BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle was repossessed in XX/XX/XXXX while I was in the XXXX XXXX without warning. I was in contact with the bank the entire time during my financial crisis due to the car breaking down and requiring XXXX of dollars in repairs ( entire new motor ). 

They seemed to understand over the phone and gave no warning they would repossess my car. 

After the car was repossessed I called to ask how I could get the car back, they told me they will mail me the auction location. 

By the time the mail came it was passed the date of the auction so I had no chance to retrieve the vehicle. 

I asked how much they sold the car for and how much they took off the loan. Was never given this information. 

Over the course of 6 years this loan debt has been sold more than once like its still a car. 

The company wrote this off on their taxes years ago and are still throwing this around on my credit report. They also tried to scam me into sending them money even though they are no longer the loan holder. 

I want this account closed, as I have suffered enough over the last 6 years due to this company not communicating with me. It was unfair the way this company went about this entire situation. Not disclosing the amount I was owing after the auction and mailing how to get my car back instead of telling me over the phone. No warning when I spoke to them a week before the car was taken, even though I told them payment will be sent in a week.

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 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've always had a continuously rising credit score as I have never missed paying a debt obligation on time. Shortly after I moved it was lowered XXXX. I received the information through XXXX and they use TransUnion. So I requested a free credit report from them and found no negative information. I phoned and then filed a so-called dispute online. It 's not really a dispute, I just want to know their reason for the XXXX cuts. Their reply was to simply send me a copy of my credit report with my questions in the Customer Statement area. That was my XXXX " free '' use of the online dispute medium. I then mailed them a letter detailing the issues I was concerned with. I will attach that letter and their reply. That they avoid answering any questions may be due to ineptitude or avoidance. I tend to think that my being retired and of a certain age, and that the cuts occurred immediately after I moved to a " low income '' neighborhood, activated a discriminatory algorithm. Hope my use of this agency serves to result in a meaningful reply from TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I accessed a free copy of my credit report from freecreditreport.com, which looks to be owned by Experian. The address and current employer information is over 8 years old. Their web forms would not " accept '' my information as matching their system ( email and DOB, both are correct on the report, and a membership ID, provided by Experian ). The toll free number I was referred to ( XXXX ) only has XXXX options : obtain a copy of a free credit report and fraud prevention services/security freeze. There was no was to open a dispute other than by mail. The letter will be mailed XXXX/XXXX/16.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I cosigned a car loan for my daughter in XXXX, 2015. The first payment was due in XXXX, which my daughter paid by money order. However, the bank, Ally Bank said they never got the payment, even though my daughter sent the check certified mail, return receipt, which we have. We have sent them copies of the money order and of the certified mail receipt several times. We faxed them documents showing we had purchased a money order and that they had received it, but they refuse to acknowledge our letters. We have not missed any payments, but they say that we owe them over {$3000.00} in late fees.. I can furnish copies of canceled checks and certified mail receipts. I have retained an attorney here in XXXX, who has also sent them letters and copies of canceled checks and receipts, but as before, Ally Bank refuses to acknowledge this evidence of payment. Unfortunately, my attorney is reluctant to pursue the matter in court. Is there anything that can be done to fight Ally Bank? From what I have researched, this organization has had several judgments against them for corrupt business practices. How can they still be in business? I do n't have any documents in digital form that I can attach. I will call to get more information.

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 2021-09-30
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Due to Tropical Storm Ida, our leased car flooded and insurance declared it a total loss. We proceeded to contact Hyundai and they gave us the runaround on the payoff amount even though the insurance kept asking for it. I was able to have a three way call with them where they stated the payoff amount was around XXXX. Insurance sent them a check for over XXXX. They received said check. We were told the moment we reported the loss that we no longer had to make additional payments ( we have it recorded ). Our account has been placed on delinquent status. On top of that we have called 3 times today and each time we get a different excuse. First, oh its only been 6 days, it takes longer than that. Second, well the processing department is being slow. Third, well gap insurance needs to be filed ( makes absolutely no sense given the fact that they were paid more than what the number they gave was ). Lastly, oh insurance didn't send some paperwork we need ( however, when pressed they stated they had not contacted insurance and they sure as heck have not contacted us to let us know ). So which is it? At the end of the day, they are either trying to steal our money ( any amount higher than what they stated needs to be refunded to us ) or they are just the worst company ever. Their elusive total loss department can not be contacted. Our account is delinquent and they refuse to fix it. They refuse to fix the issues and it is having an impact on our credit which is unacceptable. We want this resolved and we want it resolved now. There is no reason why this needs to be so hard. There is no reason I should be dealing with this 10 days post partum. Hyundai Motor Finance is preying on people and they need to be investigated.

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 2021-09-30
Company: NAVY FEDERAL CREDIT UNION
State: AZ
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 AM LOOKING AT MY CREDIT REPORT AND ON XXXX AND XXXX THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I opened an account with Huntington in 2019. I made XXXX in purchases and paid them all off. I change the payment during the third month to minimum payment due. It's still processed out the full payment out of my bank account. I contacted Huntington to see if this could be reversed and I could just make the minimum payment for that month I still would owe zero interest if I did so. The representative over the phone let me know that she could reverse the payment and I had already made enough payment that month to cover the minimum and I would owe no interest. The next month I did not get charged interest but my account randomly got shut down. I called and asked why I had been closed and they gave no definitive reason. They did confirm that it was not because of the payment issue the previous month. I got a letter in the mail stating it was because of a returned payment. I contacted Huntington multiple times to try to fix the situation and clear things up. They stated that they could not reopen my old card and that I would need to reapply to open up another card. I reapplied and was declined twice despite opening other lines of credit since without issue. I closed my checking account and will not be dealing with Huntington again -- this is bad business discriminatory and disgusting in my opinion/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: POM Recoveries, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received repeated voicemails on my cell phone from a number that just showed up as XXXX and said that i had outstanding debt and needed to call XXXX XXXX at XXXX ext XXXX referencing account # XXXX and Pin # XXXX. 

I called the hospital ( XXXX XXXX in XXXX, VA ) and they said i had no outstanding payments, so i finally called XXXX and told her that. She was able to tell me the name of the doctor i saw in XXXX and said to call them to verify the supposed {$350.00} bill that was outstanding. She also had my home address and did not offer up a website to provide payment when i asked, but instead wanted me to pay online. I called the doctor 's office and they had nothing on file either so i called XXXX one more time and she then gave me the number of the hospital 's supposed billing system ( XXXX ). When i called this number, it was a menu of options with a foreign accent but otherwise official recording that mentioned free online bill pay. When i finally spoke with an agent, I did not give any information, but asked to be transferred to make an appointment ( to test the authenticity of the person ) and they were unable to transfer me. Then I said i did not believe they were who they claimed to be and they quickly hung up. 

Please take action to stop this group from frauding others! It was clearly a sophisticated scheme and they need to be stopped!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Altitude Community Law P.C.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX  a judgement was obtained against me for delinquent homeowners association fees and assorted late fees and attorney/collection fees. The company representing my homeowners association wa s Hindman Sanchez i n  XXXX , Colorado. The debt was satisfied the same year and in  XXXX  a satisfaction of judgement was filed with the court and a copy was sent to me. Approximately two weeks ago I received a letter from  Hindman Sanchez dem anding payment for the debt that was already declared satisfied, this statement showed balances, with late fees and collection fees from the time of the original delinquency,  XXXX , through  XXXX  of  XXXX , over a year after I received notice of satisfaction of debt. I also discovered they had placed a lien on my property in early  XXXX . The letter was sent to an address I have n't lived at for several years, fortunately it was forwarded to me. This is another typical tactic of theirs, sending correspondence to addresses they know are incorrect. That is part of the reason that I accrued the initial debt that was declared satisfied in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I started having issues with my City Double Cash card about a year ago where payments would bounce even when there was sufficient funds in the payment account. I would get a notice from my bank that there was an issue with the transaction and would call City to find out what was wrong and and was told on two separate occasions that there was nothing wrong with the account and that the payment had gone through. A few days later I would get a notification from Citi that the payment had bounced even after being assured that it wouldn't. In all cases I have transferred the money to another account and made the payment from there, therefore I have never been late on a payment due to this. I finally determined that it would only happen when attempting to make a payment out of my savings instead of a checking account, something that hadn't been an issue in the past, nor has it ever been an issue with any other card. On the last occasion I mistakenly selected the wrong account and again tried to make a payment out of my savings. I noticed immediately and scheduled a new payment and attempted to contact Citi to resolve the one I figured would bounce again. I tried daily to speak to an associate and was repeatedly hung up on or placed on hold for hours to then be told that the department was closed by the automated system. During this time I attempted to pay a hospital bill with the card and it was declined. I checked my account online and found that it had been closed without my request or any notification. By the time I was able to finally get an associate on the pone after over a week of daily calls, I was informed that the account was closed due to the returned payments and that there was nothing they could do to reopen the account. This has been my daily use card for years and the closure of the account has negatively impacted my credit score. I have removed the offending funding source from the payment options for what little good it dose on a closed account. I do not understand how two banks not working with each other is my issue.

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 2017-03-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying Navient XXXX dollars every month for the past 4 years. I had {$100000.00} total in student loans debt prior to start of repayment, however my current balance principle is still little over {$100000.00}. I have not deferred any payments since the beginning. I have concerns regarding how my payments are being distributed. I have paid over XXXX dollars yet my principle has only came down {$5000.00}?? Please take a look into this. I very much appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called USAA multiple times. My ex husband had a credit card debt with USAA, he paid it off about 6 months ago. He has tried with I also to have USAA update the account that has paid in full. The account has been paid and XXXX  out with a XXXX  balance. The account is still showing up with negative history and a balance of over $ XXXX I have called them and written letters to have this account removed from my credit report. I can not purchase a home with this account on my report. This account was only placed in my name as an authorized user. I have documentation stating this account is paid in full with a XXXX  balance and they also refuse to remove it from my credit report. They must remove it. This account has been paid off since XXXX of 2021. USAA as a company just gives me the run around and states that i have to contact the credit agencies to have it removed. When i contact the credit agencies they state that USAA must report to them that it has been paid in full at a XXXX  balance. They just give me the run around like always.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was late on my credit card payment ( {$60.00} ) FIRST time and for a two days only. I explained the representative that I missed the payment due not feeling well. The Representative was not willing to help me and remove the late fee ( {$25.00} ) despite frustration and pain caused by coronavirus.

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 2021-09-30
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Here 's how everything went down in order : XX/XX/2021 : A payment was made with my stolen Apple Card number, presumably from the XXXX XXXX data breach, to XXXX for an amount of {$83.00}. 

Within the month of XXXX, I received XXXX different XXXX charges of {$83.00}. Apple and Goldman Sachs agreed to give credit for the fraudulent charges, all but that one charge of the same amount as the rest. As a result, I filed a dispute with Goldman Sachs and Apple and they agreed to give me provisional credit in the meantime. 

On XX/XX/XXXX, XXXX and Goldman Sachs informed me by e-mail that XXXX has provided the sufficient amount of evidence that I willingly made the purchase, and closed the dispute. I subsequently reached out to a Goldman Sachs representative to reopen the dispute. 

Today, XX/XX/XXXX, I received an e-mail from Apple and Goldman Sachs claiming that I did not provide additional evidence. I have not received any request contrary to what they said to provide any evidence. However on the conversation from XX/XX/XXXX, I provided sufficient evidence that these charges are fraudulent. There were multiple {$83.00} charges, all but one was singled out to be legitimate. 

Attached is a screenshot of the multiple charges brought upon by this fraudulent activity to XXXX. These are all transactions of this same amount, most of these were already reviewed and resolved, some were declined due to the replaced card number ( after asking Apple to change the card number and not just the virtual one ), and the one that Apple and Goldman Sachs insisted was a legitimate charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2020 I spoke to USAA rep XXXX. REQUEST TO REMOVE XXXX   XXXX XXXX  PAYMENT INFORMATION. OFF MY PROFILE. AS I WILL * NOT BE PAYING ON THIS ID THEFT. USAA PROCESSED A PAYMENT FOR ID THEFT * STEALING MY SOCIAL SECURITY FOR NEXT THREE MONTHS * LEAVING ME WITH OVERDRAFT FEES XXXX  XXXX. ( I DEMAND USAA PROVIDE WRITTEN DOCUMENTATION THIS PAYMENT WAS AUTHORIZED BY ME FROM MY IP ADDRESS. ) I DEMAND USAAs claim BE PROVEN. ** I DID NOT AUTHORIZE THIS PAYMENT. I HAD NO FOOD OR RENT MONEY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After receiving my credit report I noticed the below account in there. My personal information has been stolen, I am submitting my ID and Identity theft report to certify this disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: TX
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:
I havent applied for a credit card and I have gotten an email stating I applied for one and I wanted to report this as fraud due to my credit score decreasing for a card I have not applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, I XXXX XXXX received a notification from XXXX XXXX  that a new collection is showing on my credit report A negative account with XXXX XXXX XXXX A collection was added to my credit report, which is damaging my credit On XXXX XXXX I contacted XXXX to get more information on this report. I was informed it was from XXXX  from XXXX  XXXX bank for a total of {$430.00}. At approximately XXXX I called XXXX XXXX XXXX explaining the information I saw on XXXX. The representative I spoke with attempted to locate my information by the following : Name, DOB, Social security and my Address and she was not able to find any information based on what Ive given her. She than spoke to her supervisor and she was also unable to locate my information. 
On XXXX XXXX at approximately XXXXhrs I contacted the debt collector once again and they do not find me in the system once again.

Company response to consumer: Closed with explanation