BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A credit card was fraudulently opened in my name w ith USAA. A USAA rep resentative stated this card would be closed due to fraud. The card is still open and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: American Credit Acceptance, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A payment coupon was accepted by the company and never returned, proof of acceptance of the payment on credit report, the amount was for the whole amount of the car, the car was stolen and no original documents was returned. After another payment coupons was sent back as a copy as the original was probably used again. a notice of dispute was sent by affidavit under code 15 USC 1692 asking the name of original creditor address by way of securitization analysis report only and respond only by affidavit, no affidavit was received no notice to repossession was mailed and a cease to collect the debt did not happen as they stole the car from an apartment complex without permission from the owner of gated community in violation of non consensual tow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/21, I was approved by a lender ( Santander ) and I accepted the approval and sent in my {$500.00} deposit. Days had passed and I finally got the contract via email and signed the same day on XX/XX/21. On XX/XX/21, I received the paper contract and returned on XX/XX/21 with my {$1500.00} deposit wire. I received an email on XX/XX/21 saying the purchase was complete and the vehicle was on the way and should be to me by XX/XX/21. 

I received the vehicle early, surprisingly, on XX/XX/21, and headed out of town. On XX/XX/21, I got an email and call saying the finance application was denied because they ( XXXX ) did not get the paperwork to the lender in time. They then wanted to add 4 points to the interest rate or take the vehicle back. 

I did my study and contacted an attorney plus the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, and was told by each of them that once the contract is signed by both parties, legally, XXXX must abide by those rules, and the vehicle is mine. 

I also had a trade-in on the deal, but my trade in vehicle is still sitting in my lot and I still have to pay insurance on it etc. 

Since then, I have heard NOTHING from XXXX. I also have not received my registration or permanent tags, and have not received any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CL Holdings LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued and the debt is on my credit report and negatively affecting my credit. 

The company is Jefferson Capital Systems Amount : XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan was successfully rehabbed and I have made  2  payments to the new owner of the loan,   XXXX   XXXX   XXXX  . As part of the rehab, I was told that the  XXXX  credit bureaus would be advised of my completion of the program, and the late or missed payments that took place during the rehab would be deleted from my credit report. Section  XXXX  states ( after loan rehab ), that the prior holder of the loan must : " request that any consumer reporting agency to which the default was reported remove the record of default from the borrower 's credit history '', and " the prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency, request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrowr 's credit history. To date, all  XXXX  credit bureaus still have negative information about my Navient account. It is aggravating that I have to follow up on this at all but I do n't feel that it should rest upon my shoulders to contact each bureau and dispute the status. Therefore, I am asking Navient to stand by the original terms of the rehab agreement and update all  XXXX  credit bureaus. I also respectfully ask that because the late payments before the rehab agreement corresponded with my diagnosis and treatment for  XXXX   XXXX   XXXX   XXXX , that those late payments also be deleted from my history. I understand it 's not required, but I am requesting that an exception be made given the circumstances. Than you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Bull City Financial Solutions, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification that on XX/XX/21 that an account went into collections that was attached to my ssn. I contacted the company directly and told them, Im not connected to address listed where debt originated. I filed a police report for identity theft nothing happened or the police didnt think it was important. I contacted the debtor again and they still wont remove the bill, Ive tried multiple times reporting it as identity theft to transunion with no results. The next step is suing the debtor to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was never late and is a duplicate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Prosper Marketplace, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today, XX/XX/2022, I received a new credit card from Bank of America. The company which claimed I opened the card with is XXXX. I never heard of this company before. The total credit line is for {$7500.00} and they charged me {$59.00} on the card for the privilege of opening the account. I did not open this account. My name is spelled incorrectly on the card. Bank of America told me they will close the account and reverse the {$59.00} charge. Through research, I found I should also report this incident on this site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: Paypal Holdings, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter XX/XX/2021 from XXXX XXXX XXXX XXXX claiming I owe {$500.00} to PayPal and they are willing to take a settlement payment of {$370.00}. I contacted PayPal immediately and they confirmed I do not owe them any money, my account is in good standing and that this collection agency is attempting to collect a debt that is obviously not mine. I went to the website of this collection agency and did not feel comfortable calling the customer service phone number and I believe this is a scam and or someone trying to commit fraud. I contacted an attorney already as well as XXXX  and made them aware of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PAYPAL CREDIT/SYNCHRONY BANK ALLOWS SCAMMERS TO GET AWAY WITH CRIMINAL ACTS!! I purchased a pair of boots on XX/XX/XXXX in the amount of {$490.00} using Paypal Credit. Seller stops responding same day after receiving payment. Case opened, payment refunded to my account XX/XX/XXXX. Seller provided fake XXXX tracking number XXXX showing item delivered only to my city and zip code, not MY actual address. My name or full address wasn't even listed on the invoice provided. Despite invoice showing major inconsistencies of the item being delivered in an envelope that weighed 0.5 pounds, NO REAL PROOF it was actually delivered to my home and SIGNED FOR BY A RECEPTIONIST, not me, Paypal Credit ruled in favor of the scam seller and added the funds back to my account for payment XX/XX/XXXX. I reopened dispute immediately XX/XX/XXXX as I never received any boots and seller is not responsive. I sent proof of not receiving my item and pointed out all inconsistencies by secured message on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including endless phone calls TO NO AVAIL. ALL THE SCAMMER HAS TO DO IS PROVIDE A TRACKING NUMBER THAT SHOWS DELIVERED AND IT GET 'S RULED IN THEIR FAVOR. BE AWARE! I open a case with XXXX regarding tracking number provided. XXXX CASE XXXX. THANK GOD XXXX was nice enough to provide me with ALL proof needed SHOWING the item was NEVER DELIVERED TO MY HOME. THE PROOF SHOWS all seller information AND RECEIVER 'S FULL NAME, ADDRESS and PHONE NUMBER CLEARLY SHOWING IT WAS NOT ME OR MY ADDRESS!! Actually it was a letter mailed to a bank!!! Not XXXX Boots I ordered! I SENT THIS VALID proof by secured message XX/XX/XXXX and XX/XX/XXXX thinking this would be the end to this nightmare. I also faxed over and mailed with return receipt XX/XX/XXXX for added measure. I was SO proud to have the glaring proof I needed to close this dispute. XXXX invoice showing the inconsistent weight and shipped in envelope. Plus another invoice showing the envelope was signed for by a receptionist by the name of XXXX XXXX which is clearly not my name nor do I have a receptionist at my home. Lastly, the XXXX invoice showing MY NAME PLUS ADDRESS ARE BLANK AND MISSING. How can an item be delivered to my home if this information is missing? XX/XX/XXXX They ruled in favor of the seller again as he provided the same scam tracking number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment has been scheduled for auto-payment for years. On XX/XX/2019 I logged into my mortgage account at Flagstar Bank , FSB and discovered that auto-payment had been terminated without notice, resulting in late fees and a hit on my credit report. I investigated the issue and discovered that auto-payment was terminated because Flagstar attempted to withdraw funds one day earlier than normal resulting in NSF fees and cancellation of auto-withdrawal, but Flagstar failed to notify me about the cancellation. 

I contacted Flagstar to remedy the issue and they agreed to refund a late-payment fee and re-instate automatic withdrawals. However, on XX/XX/2019 I logged into my Flagstar Mortgage Account and discovered another late mortgage payment and additional late fees. I investigated the issue and discovered that auto-payment was in fact terminated, and despite Flagstar 's previous representations, auto-pay could not be re-instated at that time. Flagstar has refused to refund the additional late payment fee. This sequence of events would not have occurred if Flagstar simply notified its customers of auto-payment cancellation in the first instance. 

I suspect that Flagstar has adopted a practice of cancelling automatic withdrawals without notice to its customers to generate revenue through late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Nissan Motor Acceptance Corporation ( NMAC ) - it was a 5 year, 0 % interest rate loan, started in XX/XX/XXXX. I've had an automatic payment as well as paperless statements set up from the beginning of the loan to ensure I never have a late or missed payment. For some reason, NMAC stopped processing my automatic payments in XX/XX/XXXX ( with 2 monthly payments remaining on my balance ) and I ended up being late on my final 2 payments. The only reason I noticed they had stopped deducting my payments automatically, was I got my credit score as an alert from a monitoring service and it had dropped 100 points as a result of this. Once I noticed I was late, I immediately made my final 2 payments and closed out my loan on XX/XX/XXXX. 

Upon finally calling their customer service ( on XX/XX/XXXX ), they told me they changed their system and had sent me notices asking me to switch to another system. I did not receive any of these notifications digitally. The rep mentioned they should be available to view online under my account and upon review, there were no notifications there either under the messages section. 

Upon asking for them to remove the late payment record as a result of their process change, they refused stating it was my responsibility to make the payments, and they had no responsibility to let me know that automatic payments have been stopped by them. I would not have missed any of the payments if they hadn't turned my payments off and am now stuck with a late payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Home Depot mailed me an offer of credit, which arrived in the mail on X/XX/17. The offer indicates that my personal credit report was used to make the offer. The credit offer is underwritten by Citibank. Home Depot is aware that Citibank and I have previously agreed to have no further contact, and that Citibank is not to send me offers of credit or access my personal credit report. Citibank 's attorney has repeatedly told me that these offers will stop.
Despite that agreement, Home Depot accessed my personal credit report and mailed me the offer of credit they knew would not be honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that aren't mine listed on my credit report that need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXXXXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX  XXXX card XXXX XXXX XXXX XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX XX/XX/XXXX along with Experian which I believe to be accurate. However, XXXX is reporting two more inquiries that would not have been me three times to the same place in a matter of days and XXXX reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief