BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company rep. from Global Radius Solutions LLC has called every day since XX/XX/XXXX XXXX it is now XX/XX/2020. I have called and spoke to the rep. and they said its a cold calling system and it can't be avoided. have already agreed to pay {$500.00} a month due by the XXXX of each month and the payment usually gets posted a week prior to that date. every time they call no one leaves a message and I call back to see whom has called, it always a different phone number but same company. I block the number each time.

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 2020-06-18
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX XXXX XXXX, XXXX XXXX , & GM Financial Inquiries from XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: TX
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:
This conns account was originally removed in XX/XX/XXXX. It's been removed and put back numerous times which is shadowy the law. I've reported that the information being reported is incorrect. Experian keeps saying is verified. 
XXXX. The account says XXXX. Ordinal bal. Not true that last payment was XX/XX/XXXX. But reporting XX/XX/XXXX. Pay history is complete incorrect no payment reported XX/XX/XXXX which isn't true. They keep updating the bal and the status of the account. Why do you update the bal on a charged off account. What changed in the balance. This is fraud. I demand this account is removed from my consumer reports immediately. If they've written this account off for more than I owed using that against the law. They said I owed XXXX. But they wrote off over XXXX if they've been paid by the irs and the ain't is really written off then they've been paid in full and can't keep reporting paid account. If they've received a tax benefit for this account and is been paid it needs to report paid in full XXXX XXXX. That's tax fraud to write off more than the balance owed. Now if it's not been written off then it can't report as so correct? Well that goes against truth in lending reg z and is devalue my character. Will provide XXXX is the amount I financed. This company sells horrible cheap over priced products and or right lie on consumer reports. Well I'm making ag federal case it if it today. We will get to the bottom of this.

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 2022-04-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
I used my sphere credit card through Santander Bank to purchase a specialized automated indoor grow box from XXXX on XX/XX/XXXX. In order for this machine to work, you must have access to their server and their customer service. The machine arrived on XX/XX/XXXX and was up and working on XX/XX/XXXX. I was in contact with the company until XX/XX/XXXX and I never heard back from them again. On XX/XX/XXXX, the grobo was not working properly and I had to shut it down. Since I could not contact XXXX at the time, I reached out to my credit card company ( sphere through Santander bank ) on XX/XX/XXXX to dispute my charges since I couldn't contact the company. The credit card company gave me a tentative credit while they looked into the dispute. When I got word that the dispute was denied, I contacted the credit card company. I then put in a second dispute where I supplied a bankruptcy letter from XXXX. I was again denied the dispute. I called the credit card company again and spoke to a supervisor, XXXX, who was going escalate my dispute and update me the next day and I never heard from her. She also claimed they didn't use the bankruptcy letter in their decision. I got a letter denying my dispute again. When I called again, I was told I can not dispute it anymore. This product does not function if the company is unreachable. I can no longer use the machine as it is not working properly and if it did, there is no way to get supplies since the company no longer exists. I just want what I put out for it {$1900.00} plus interest back. I don't feel my credit card company is acting in my best interest as I have had another dispute before this one in which I was denied and I had to take care of it myself. They denied me a dispute to a charge from XXXX pick up from clear across the country during the pandemic.

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 2016-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card
Issue: Other

Complaint:
* I have created a new login because I am trying to dispute response from Bank of America in case number XXXX. My phone calls were never returned from XXXX XXXX at XXXX extention XXXX. Was on vacation until XXXX/XXXX/XXXX then given another extension XXXX, I left message and never received a call back. No one is returning my calls. I have notified my lawyer also with the response on this dispute. Bank of America is claiming I am still liable for this debt even though the XXXX reads " Total debt is discharged with an Indentifiable Code : XXXX " which means the debt has been canceled. I have filed that XXXX with my XXXX IRS filing and paid back taxes on that debt already. I need to know specifically what documentation they need to fix this matter. I also want this dispute forwarded to a manager/supervisor along with direct phone number and fax number to call back and get a live person and not a voice mail. My lawyer has a copy of everything I have forwarded to you and I should be hearing back from my lawyer the next few days also. My credit reports are now back showing " delinquency ". I have filed and paid taxes on this " discharged debt ''. This account once again should be closed, a charge off canceled debt with {$0.00} balance.

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 2020-06-18
Company: Navient Solutions, LLC.
State: DC
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:
In reviewing my credit report I noticed a couple of discrepancies. Subsequently, I reached out to Navient and inquired about the status of my loan during the time that the delinquencies were reported ( XXXX XXXX & XXXX XXXX ). Their correspondence to me confirmed my initial thoughts which were that my account was in forbearance beginning in XXXX of that year until XXXX of the same year, XXXX. After receiving their correspondence I wrote to have the two delinquencies retracted from my credit history. Their response was that they would not remove the inaccuracies because the delinquencies occurred before the forbearance start date. However, as indicated in their previous correspondence my forbearance spanned from XXXX till XXXX and the inaccurate reporting occurred in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Have not received a monthly statement in the mail since XX/XX/XXXX. Talked with customer service on XX/XX/XXXX was told to send a e-mail to them requesting statements sent on a monthly bases. This I did. Called them again today XX/XX/XXXX to make sure they were going to send me statements. Person I talked with told me that my e-mail request was never given to whoever handles this, she told me quote " e-mail was left on desk, not delivered " and that " they are not required to send monthly statements in the mail ". Due to the lateness my account was charged a late fee and recorded with the credit bureau. I do not have this account registered on line, need a monthly statement to keep proof of my 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 2015-07-02
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I traded my XX/XX/XXXX KIA OPTIMA LEASE for a new XX/XX/XXXX HYBRID OPTIMAon XX/XX/XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-11-28
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan with this company called Loanme and every month, right after 1 day of delinquency, they start calling my cell phone incessantly from spoofed or fake numbers. They are located in XXXX XXXX, but they call from fake numbers from all over the state. Their main number is XXXX XXXX, but they call from various fake numbers including the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Account ending in XXXX and XXXX. Please Investigate Dispute {$840.00} ( An unaccounted Amount ) Error Charged to My account ) and the over the limit, late charges and fees as a result of fraudulent in XXXX XXXX. I Have XXXX. I am XXXX. Please Help Me and Solve This Problem. 
My statement for XXXX XXXX was {$1100.00}. Some one in XXXX made fraudulent charges. These charges were never removed successfully. After the fraudulent charges were removed, you still have me owing XXXX on the XXXX, XXXX statement and {$1800.00} on the XXXX XXXX statement. How is this possible when no additional purchases have been made to this account and the amount before this incident occurred in XXXX XXXX, I only owed {$1100.00}? Some one in your operation fraudulently charged this amount to my account. I should owe no more than {$1000.00}. 

My Request 1.Remove the more than {$800.00} in unaccounted for fees that appear on my XXXX and XXXX XXXX statement as requested above. 
2. XXXX XXXX Statement Stop charging me late fees and over the limit fees. One of your agents caused the over limit fee when those erroneous charges were allowed in XXXX XXXX Do n't charge me for your mistake. Also my account balance should be no more than {$1000.00} when you remove the hidden charges ( {$800.00} + )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a Bank Of America customer. 
On XX/XX/XXXX in the morning I discovered that XXXX large amounts had been charged from my card overnight. I immediately contacted the bank by phone and e-mail to report the fact of illegal use of my card. The bank told me that an investigation had begun and that I would receive the result in 10 days. Exactly 10 days have passed and in the evening ( last minute job ), I've got the result and the result was negative with the following explanation : The charge was authorized by you or made by someone who has permission to use the card or account. 
I did not make these transactions. At the time, I had been in the country for about a month, and was actively working on the basic paperwork for living in the US what's visible by the nature of my spending. It is obvious that the card was compromised and that the purchases made with it are of a different nature than mine. In order to authorize a purchase, customer should have XXXX from the very beginning so I did not therefore someone who copied my cards ' details did it other way. 
The bank did not provide sufficient protection mechanisms, which led to the theft of the customer 's money. The bank failed in its primary function of preserving the customer 's funds. 
The investigation of my complaint was done unprofessional and needs to be re-examined. 

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 monetary relief
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX XXXX has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2022-04-20
Company: Paypal Holdings, Inc
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
Pay pay sent tect they charged me over {$27.00} for a purchases i dont know about and ask me to call about it. I think its fraud activity so i did not communicate with them see attached screen shot of text

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Fifth Third bank received a check via XXXX addressed to me and deposited it in my account without verifying it with me! I had no knowledge of this check until after they deposited it and overdrew my account {$500000.00} because they said it was fraudulent! Now they are closing my account after 20 years for something I had no part of!! They are withholding my federally protected pension and social security. Treating me like a criminal and I did nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Alpha Recovery Corp
State: OK
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX 2015 I received a settlement offer letter from XXXX XXXX in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from XXXX XXXX acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by XXXX XXXX showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that XXXX XXXX sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from XXXX to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called XXXX XXXX to clear this up. The rep with XXXX did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to XXXX XXXX about my account and they still had not heard back from XXXX I then called XXXX again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this Third Party collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how XXXX has not abided under the Fair Debt Collection Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: MoneyLion Inc.
State: PA
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:
My information was used to open up an account with Money Lion, I never heard of MoneyLion and never have done any business with them. There is a {$500.00} MoneyLion account on my credit report. 

I am a victim of Identity theft and would like to have this removed from my account right now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried over and over to let Equifax know that the information on my credit file meaning my date of birth which on file they have XX/XX/XXXX which is my mothers date of birth. I faxed over a copy of my ID and my social which they states they didnt receive. They only received the cover letter. I am now sending my ID and social through here so that yall can send it to them because this seems like my last option to actually get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: TX
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:
id theft victim sent po report inaccurate information sent all the violation to XXXX, experian, 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 explanation