BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: COMMUNITY BANK SYSTEM, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan from XXXX XXXX Bank, now Community Bank in NY. It's for a usedXX/XX/XXXX. I want to pay it off. I have 23 payments left. XXXX is the monthly payment. The bank is telling me the payoff is XXXX as of XX/XX/17. That is a total of the monthly payments. I have called 3 times requesting the principal balance and I keep getting told the XXXX is what I owe to pay off the loan. I thought maybe they already got all of their interest in the way the payment was setup. That is not the case. Their website and the 3 people that I have talked to tell me the same thing. There is nowhere on the site to pay the principal. I'm being forced to pay interest on a loan I can payoff now. I know if I just make a large payment, it will be applied as if I'm just paid ahead. Not reducing the principal balance whereby reducing the amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions 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:
Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my Experian credit report. Per the advice of a Experian rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax handled the situation horribly. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for only the most dedicated users to figure out. 

I have never chosen to do business with Equifax and yet my personal data has been breached because they do business with others who I do business with. This is intolerable that data can be stolen without the knowledge of the individuals put at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my account with XXXX on XX/XX/XXXX, I paid all that was owed and received confirmation of my account being left in XXXX both for services or installment plans after my payment of {$74.00} dated XX/XX/XXXX. 

I received a collection letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating the following : Creditor : XXXX, XXXX Client Account # XXXX Convergent Account # XXXX Amount Owed : {$250.00} After receipt of letter I went to the XXXX store on XX/XX/XXXX and was contacted with costumer service XXXX XXXX EID XXXX who said he could not provide information on my account, that I needed to contact the collector for information on the amount owed. Same was told by the store clerk. 

On XX/XX/XXXX I contacted the Collector XXXX XXXX XXXX, who told me that they could not provide information on my account other than the amount owed, in addition they failed to identify themselves. 

I have sent a letter to the collector disputing their harassment and the debt. 

It is very unfortunate and illegal the manner in which this companies act. No one provides information, not only this they fail to provide anything in writing. It is as if the strategy is to force the consumer to give up and pay an unlawful debt.

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 2022-01-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The bank Santander Consumer USA, I am waiting for the payment of my refund by Gap Insurance since last year, but the bank does not want to refund the money even though XXXX resided the car and that money was paid to the bank.The bank agrees to have received the check in XX/XX/2021, but has not sent the money to my house due to an error on their part. They ask me to call week after week and they never give me an answer when they will send me my money for a value of {$710.00} that they have in their possession and they don't want to send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: DISCOVER BANK
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Discover closed my banking account on XXXX XX/XX/2022 with no other details than " due to a business decision. '' They refused to offer me further information when asked. This came after freezing my account on XX/XX/2022. This required me to stay on hold for over 14 cumulative hours to even talk to a security representative as they had no means of other contact and had high volume supposedly for " fraud attacks. '' Calls were frequently dropped on their end after being on hold for XXXX minutes at a time. My account was in good standing with a maintained balance and no overdrafts, fines, etc. I had recently made a deposit of {$16000.00} from a check that was a gift from my mother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
live in the XXXX and have rental properties in XXXX from which I take income. Years ago I setup wire transfers with Suntrust and received the alphanumeric pin and got a repeat code for international transfers to my XXXX broker. Calling their wire ops and using my codes was quick and easy. I was concerned with the effect of the merger with Truist but everything seemed smooth. Until XXXX. When I called to initiate my usual repeat wire I was redirected to the new Truist wire operations department but it appears the system has changed and I now require a new 6 digit phone wire profile and corresponding pin. This is where the 'fun ' began. Over the first week in XXXX week I called 27 times and spent a total of over 7 hours on calls in an attempt to apply for these new access codes, but their system constantly throws me out as it does not recognise my lack of SSN, ( as a non XXXX resident I do not have one just an ITIN ), tells me I'm transferring to an operator and then cuts me off. If I try the wire numbers ( retail or Treasury ) I can't get past not having a pin to speak with someone. On the rare 3 occasions I finally managed to talk to an associate they didn't know what to do either and I've been transferred around everywhere in circles. The last call was with a lovely lady in Treasury who tried and tried to find this information for 2 hours and 13 minutes before transferring me in desperation and ... ..the number was " unavailable in my location ''. I've now tried 8 separate telephone numbers in the process. I used webchat and called my XXXX branch and no one there could help at all either. I even tried to contact Corporate headquarters but again ran into an automated menu with no option to speak with anyone directly. I emailed their CEO directly, their investor relation and even their media department but all were ignored. So, XXXX XXXX I made a physical branch visit as I was in DC and spent XXXX hours with a Senior Relationship banker as he tried to assist. I left him for another XXXX hours working on it and went to lunch. On my return he informed me that Truist does not have phone wire transfer facilities for " ordinary '' retail clients only for business and hi net worth accounts. Everyone else has to go into a branch ( from XXXX!? ) He then explained he had managed to contact the department that services hi net clients and they would make an exception for me. I signed the authorisations that day and flew back to the XXXX. That was nearly 2 months ago and I STILL have had no contact from anyone in Truist to give me the required wire profile code and pin to enable me to access my funds. This is the only way I can get at my money and Truist do not care, in effect they are knowingly obstructing me access to my funds for months now.

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 2022-01-18
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I went into XXXX XXXXXXXX XXXX  XXXX XXXX XXXX to receive my Covid-19 vaccine, XXXX. I had a bad reaction XXXX 's first dose. I was told by the hospital I would not incur any medical charges due to the fact that it was a bad reaction to XXXX and they said XXXX would take care of the charges. 
However, a year later I am still getting a charge from XXXX XXXX XXXX over the bill that was related to the Covid 19 vaccine. I had tried calling XXXX, but they outsource their call center to XXXX and they are not able to fix my issue without a contact person at XXXX XXXX 's XXXX XXXX XXXX. I was on hold trying to reach a supervisor, since they are the only ones able to fix the bill. I spoke to XXXX employee number XXXX. 

I need them to fix the creditor issues and the bill since it was related to the Covid 19 vaccine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: HW Holding, Inc
State: GA
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:
XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, Hunter Warfield   contacted me. I again questioned the validity of the information. Hunter Warfield sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. I agree contacted Hunter Warfield upon which they sent the exact same incomplete  information. XX/XX/XXXX and XX/XX/XXXX Hunter Warfield sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. Recording of the agent agreeing the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a phone call on XX/XX/XXXX to mr.cooper to request the removal of PMI on my loan. I spoke to XXXX direct line- ( XXXX ) XXXX and asked me multiple questions about the property and if I had any upgrades on the property ( which I do ) which then led to him asking to run my credit which I explained to him again that I was just looking to get pmi removed not refinanced. He then stated that I would need to have the loan for 11 years in order to qualify removing pmi since it was a fha loan. The loan is from XX/XX/XXXX which would have different rules for the fha loan where the 11 year rule does not apply. 
I then called back to confirm with mr.cooper the date of my loan, I was then told I would receive a letter in the mail by XX/XX/XXXX in regards to my qualifications of removing the loan. XXXX XXXX I receive a document from mr.cooper stating my mortgage has not reached 80 % of original value, and that I have not met the conditions. My loan was XXXX and I owe only {$95000.00}, which means I do meet the conditions for removing pmi. 80 % of XXXX is XXXX. I called mr.cooper XXXX XXXX and they then tried to say it was 78 % not 80 % but I have a document stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries on my report, Where not authorized By Myself.

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 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
With the Equifax hack, there has been no way to contact the company after told I MAY have been involved in the breach. They have made no effort to contact me to tell me if I was or was not included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: CT
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:
Dept Of EdXXXX has been disputed and could not verify that the debt belongs to me therefore XXXX deleted the account. However, XXXX and Experian are still reporting this account on my consumer report. I have attached a screen shot of my current consumer report via MyFICO showing the deletion of the account. I request that XXXX and Experian update my consumer report as well immediately.

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 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX I forwarded a {$100.00} payment to Capital One along with a note to divide the payment ( XXXX ) ways in which I requested {$50.00} be applied to XX/XX/XXXX payment due, With {$25.00} being applied to XX/XX/XXXX payment due and requested the remaining {$25.00} to be applied to the XX/XX/XXXX payment due. 

Because Capital One failed to apply my payments as requested and to further the matter has failed to reverse the entire {$100.00} payment applied to the XX/XX/XXXX payment, my account is now past due,, as well as the company adding both a late charge and a finance charge. 

I forwarded the {$100.00} payment back in XX/XX/XXXX with the intent to pay ahead as I knew I would have other obligations to take care of during the months I paid ahead and did not want to affect my credit. 

I have spoken with Capital One reps at least ( XXXX ) times about this matter and all calls ar said to be recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was affected by the Equifax data breach. I, like millions of others, was not immediately notified and still can not get clear information about how I might be affected, while Equifax executives sold millions of dollars worth of their stock before the public was notified. Now I am spending my own money to put freezes on my credit scores with the " XXXX XXXX '' and am vulnerable to identity theft, potentially for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: AL
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:
Equifax and XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX should not be reporting that I am ( 60 plus ) days late on the XXXX partial account number XXXX ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is with Equifax - my data was compromised and now they wrongfully made me consent to an illegal agreement to give up my rights by forcing me to find out if my information was compromised. This practice should be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 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 2017-09-09
Company: EQUIFAX, INC.
State: TN
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:
The large Equifax hack leaked my personal financial identification data. My credit cards, XXXX, and other personal identifiable data could potentially be used to steal my identity and commit fraudulent financial acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-01-18
Company: Experian Information Solutions Inc.
State: GA
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:
TO WHOM IT MAY CONCERN : Under 15USC 1681b- permissible purpose of consumer reports ( A ) IN GENERAL- Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX NEVER gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer demanding deletion of these accounts. 

XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX & XXXX XXXX

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