BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX XXXX from GM Financial made all payments on time and return truck on maturity date, Due to pandemic I had to purchase vehicle from out of state and dealership i purchased from drove new vehicle to my place of employment and drove my lease return back on XX/XX/XXXX. Approx. 2 months after lease I began to receive harassing phone calls from GM Financial stating i owned money for damage to vehicle that was not on vehicle when dealership picked up and inspected. When returned vehicle there was now damage anywhere and I had just installed 4 brand new tires and had vehicle detailed to ensure there would not be a problem. I asked them repeatedly to send me copy of report as I had pictures to show vehicle condition when dropped off. I also asked them why it took months for them to inspect and sell vehicle and what was price of sale of vehicle at auction as I am certain it was over residual value. GM never send bill but continued to rob call me at my employers number even though asked not to be contacted on that number on at least 5 occasions. Now I just received an alert on my credit that GM has submitted account to collections without sending me documents requested as I was disputing charges as they were fraudulently or may have occurred in the two months it took them to inspect vehicle in dealers possession. Their was also mileage charges that were approx. XXXX miles higher than when dealership took my lease back so evidentially either dealership or GM drove the vehicle somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was issued this loan in XXXX as I was starting prerequisite classes for XXXX. The school informed me that I was not able to apply for a federal loan and would need to pay up front or get a private loan. In order to register for the next semesters classes I chose to apply for a loan at on of the nearest banks, Wells Fargo. 
In XXXX I chose to use my XXXX knowledge on a volunteer trip to XXXX for XXXX XXXX months. While attempting to defer payments during my time out of the country I was told that my loan could be deferred for a maximum of 3 months, but that I had to make that request at no earlier than the first of the month that I would like to start the deferment ... ... a time in which I would be outside of the country. I ultimately choose to defer payments for the next 3 months that I would be allowed and had a family member make the remaining payments as I did not have internet access during my trip. 
As I gathered information for my taxes this year I came to the realization that I had only paid {$190.00} of my principal on this loan that I have been paying on since XXXX. After further research, I discovered that I have paid {$4000.00} more then the principal balance in interest to date. 
As a kid taking out the loan, I was aware that a 9.5 % interest rate was excessive ( even in XXXX ), however Wells Fargo took advantage of my naivet and desperation. This bank counted on the fact that a young student would be overwhelmed by the variety of challenges ( living independently, completing XXXX, working full time ) to the point of ignoring the complex financial details of their predatory student loan. Negative amortization is when a lender sets monthly loan payment at a level too small to cover even the interest. This practice has left me with essentially the same debt despite over {$16000.00} in payments.

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 2015-07-14
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the victim of a financial fraud/scam. The perpetrator is now in prison. However, I am having issues, trying to resolve the financial fallout, with my bank ( Wells Fargo ) and Title Insurance Company ( XXXX XXXX ). I purchased an investment property that has a clouded title, but my title insurance company will not provide me with full coverage ( full legal defense ). In addition, Wells Fargo appears unwilling to work with me to unravel the financial damage of this fraud/scam I was a victim of. Please let me know if there is anything you can do to help me work through these issues with the bank and the title insurance company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Great American Finance Co
State: WI
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
Checking credit report, found credit inquiry from Great American Finance. Call them, identified myself with ss #. 

They tell me they have no record of running my credit. Called XXXX and was told the only way they can do anything is with a deletion letter. 

So I guess XXXX has no authority or remedies here when there 's potential fraud, seems a bit short sighted to not have some built in protection or authority required by credit agencies. Then again, they 're here to sell us that protection, way to go on that one, someone 's always looking for a way to take our money. 

Since they have no authority, let 's use up your time and some of our tax dollars. Since we 're paying for you to do this job, you might as well do the credit reporting that the bureaus do. 

I need to find out what 's going on here and have this removed, thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Advance America, Cash Advance Centers, Inc.
State: RI
Product: Payday loan
Issue: Can't contact lender

Complaint:
I took out a XXXX advance in 2009 to advance america.I get a threatning call today saying I need to pay them XXXX this month or thell take out of my pay.they said the tried to attempt to send court papers to my old adress and it went unanswered.this isnt fair.this happened to me few months ago with someone else and they took XXXX mo iut of my pay.can I file bankrupcy to avoid this? I never got a chance to give court my answer

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for the XXXX XXXX XXXX XXXX XXXX XXXX card from US Bank in XXXX 2015. One of the main reasons I signed up for the card was for the Bonus Award Nights program, which was prominently featured in the advertising on their website at the time, and which I felt justified the {$75.00} annual fee on the card. Shortly after applying for and receiving the card, US Bank informed me that the Bonus Award Night benefit was going away at the end of XXXX 2015, less than one month after they charged me the annual fee and less than two months after I signed up for the card based on the availability of this benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Transaction issue

Complaint:
I was contacted by, Capital One, by telephone, about suspicious activity on my a credit card in XXXX 2016. There were XXXX charges for {$110.00}, at different locations, on XXXX XXXX, 2016. I had destroyed the credit card months earlier as I was planning on cancelling the account after all automatic charges transferred to another Capital One card. The card had not been used online for nearly a year. In XXXX an annual magazine subscription was charged for {$49.00} on XXXX XXXX, 2016, which is valid and I paid for that. Shortly after that, XXXX XXXX, 2016, is when the fraudulent charges of {$110.00}, XXXX times, occurred. I was told by Capital One that I would not be responsible for fraudulent charges. When I telehoned them afterwards, more than a few times, I was told that I would not be responsible for the charges. On XXXX/XXXX/16, I received a notice that I had been reported to XXXX for failure to pay. I have left three phone messages to the fraud agent, XXXX, with no return call. I did receive a letter dated XXXX/XXXX/2016, but received sometime later than that from the fraud department saying that the investigation was resolved. But the fraudulent charges, and now late charges and interest are accumulating on the fraudulent charges. I have a second Capital One credit card that I have been using since I stopped using the credit card that has the fraudulent charges on that I always pay off each month. It appears, to me, that someone got the credit card number from the magazine subscription charge for {$49.00} in XXXX and either sold the number or used it online to make the XXXX purchases for {$110.00}, on the same day, at three different locations. I 've done everything I can, including sending a letter to the fraud department of Capital One. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 consumer XXXX XXXX have submitted documentation over 5 months to the three credit bureaus. All of them have repeating ignore my documentation and fail to verify this account with the name of XXXX/XXXX. I have provided the promissory note that have no correct signature on it. This is a fraudulent account and they are refusing to update and blocked this account from my Credit report. As a consumer these bureaus are violating my rights the are defaming my character which is violation according to 15 USC 1692d. The are continuously keeping this misleading account on my credit report which is a vioaltion according to 15 USC 1692e. They are using abusive practices according to 15 usc 1692a. The credit bureaus fail to validate this debt repeatedly and its been over 5 monnths which is a violation according to 15 USC 1692g. I have attached documentation that XXXX  AND XXXX  have sent me. I have sent all of these to you all. I have attached a copy of my License and SSC.

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 2022-04-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX has violated my rights XXXX XXXX  Account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a
consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 

SANTANDER XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested a credit report from LCI in the month of XX/XX/2022 via mail, as well as made a CFPB COMPLAINT ON XX/XX/2022. 

LCI is a credit reporting company which reports information without my written consent to to other credit bureaus. 

I have attempted to freeze the credit report with them which has been unsuccessful and they have not provided the credit information they are reporting to me in writing or online. 

After 41 days and counting They have not responded to my previous CFPB complaint either.

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 2017-11-05
Company: Paypal Holdings, Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For last year I tried many times to get XXXX to my account information for previous years ( 2005 and up ), I have XXXX only for last two years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In the past I have written to XXXX XXXX, XXXX XXXX, Department of Education, and the XXXX XXXX XXXX. In all my efforts to obtain resolution I have failed. I borrowed roughly {$10000.00} in XXXX loans from XXXX. I did rehabilitate my loans and have been paying for 28 years now. I have paid already more than {$28000.00}. I am almost finished. Yet, I am not finished with the fight. I was an incarcerated individual for a period exceeding 10 years. During that time I was sent many many bills from Sallie Mae which is now Navient. Though I was pushed into forbearance and financial hardship conditions, never was I told that I couldve applied for public service loan forgiveness as I was incarcerated and working the entire time. It would have been an impossibility to make payments and continue correspondence with the company. During incarceration there a long stretches where an individual makes anywhere from $ XXXX {$.00} an hour. It would take months just to buy a book of stamps. Though my life has completely changed and I have achieved a successful status Im still facing debt with the embattled Navient company. On the Internet I found terms that state, from federal student loan.org-the government will write off loans if the borrower is to be incarcerated for a period exceeding 10 years and the debts can be reinstated when the individual is released. I was never informed of this condition and my loans were sold from company to company before landing with Navient. I watched the interest to get capitalized and fees accrue while I remained helpless. I am confident there is more than just me that face this. And, it is an incredible burden to be faced with as soon as you step out of a long-term incarceration. I should like to see this group of people get some resolution where college debt is concerned. Currently, there is much talk about loan forgiveness and pause in payments, but no one talks about those who have paid the price and changed their lives. It has been personally, as if I am being punished forever and I dont think thats fair. Im confident that I am not alone. And I am also confident that no one has yet addressed this group of indebted folks. Please, take the time to look into this kind of situation and if you need any of my records I have saved everything. Feel free to contact me. Thank you for your time. I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: First Credit Services Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
About a year ago I had a gym membership. I had switched cards and failed to update my information, which is on me. I understand. However after calling through the gym, another company and finally to a company called First Credit Services, I was on the line with an individual who was very vague and seemed to only respond to very fixed statements and out who I was, the gym i went to and a fairly outrageous dollar amount I had to pay. 
After some time and agreeing to a payment plan from them I got off the phone and looked them up very quickly because I immediately had no trust in them. I found out it was a scam and quickly cancelled my card. It 's one thing to try and pay a debt but when I receive no information and am routed to a " comoany '' that was very intent on me making a payment that day for a high dollar amount sent me off to file this complaint. I am not going to help out a scammer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a medical collection that was placed on my credit by XXXX XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX  account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

XXXX5 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX ( Account # XXXX ), XXXX XXXX Account # XXXX ), XXXX XXXX  ( Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX  XXXX Account # XXXX ), XXXX XXXX XXXX  XXXX Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) has violated my rights.

15 U.S.C 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-06-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
after research and tracking down information discovered the credit bureaus and companies have reported false accounts that are a result of identity theft on my credit report i am including copies of my credit report passport ss card and police report with the fraudulent accounts that are reporting and need to be removed

Company response to consumer: Closed with explanation