BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Initially, photocopies of written letters, return registered receipts and receipts from the US Postal Service were provided to Santander Consumer USA as evidence the service contracts were canceled timely ( within the first 30 days ) of the purchase of new car from the XXXX dealership. Santander Consumer USA acknowledged [ written correspondence ] credits were not appropriately applied to car loan for service contracts and advised the credits and the accrued interest would be applied to the outstanding loan balance. As of XXXX/XXXX/2016, the credits and outstanding interest was never applied to the loan nor separate credits issued since the car loan was paid in full. Instead, Santander Consumer USA has chosen to report 60 days late payments to the XXXX credit reporting bureaus. 
I can provide sufficient evidence to support my complaint ( letter from Santander Consumer USA and payment history ). Please note : Santander payment history does not show that credits were ever applied to my car loan. Why are late payments reported to the XXXX major credit bureaus when Santander Consumer USA failed to apply the credits?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The Winn Law Group has contacted me regarding a XXXX credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: FL
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 have submitted a few disputes for unauthorized inquires on my account. I have submitted all the information requested and I have not heard back with an update. These fraudulent inquiries need to be removed per fcra act. This information is not correct nor does it belong to me. I would like to be contact and have these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-07-09
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
PNC Bank is preventing a direct connection to XXXX ( prepaid Visa ) to be able to reload funds from my checking account onto the card for Visa purchases. I do not have a debit card from PNC, therefore the only method is connecting to my bank to use the XXXX  card and now I have to wait 4 days for money to be transferred manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
On XX/XX/2020 I have made two payments on my USAA credit cards. 
The two payments were completed on XX/XX/200 and the amounts were respectively : {$960.00} payment for one USAA credit card {$960.00} payment for the second USAA credit card. 

Both payments were processed by UNFCU card ( please refer to attachment ) on XX/XX/2020 The {$960.00} payment was received and processed by USAA on XX/XX/2020. 
The {$960.00} payment was NEVER processed by USAA. 

I called USAA o Saturday XX/XX/2020 and explain the above cited concern that I have made two credit card payments on XX/XX/2020 and only one payment has been processed and the second payment was not. 
The person at USAA stated that I need to wait up to 10 business days for my payment to be processed. 
Well, it seem to me that USAA is holding the funds for no reason. 

Why the first payment was processed and the second one was not? 
Please refer to attachments. 

Now the USAA credit card payment due date is approaching on XX/XX/2020 and if USAA does nor process the payment, then I must pay the credit card one again on XX/XX/2020. 

I would appreciate receiving your assistance in contacting USAA and request them to process the payment and stop holding the funds. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
Background : I had a joint XXXX bank account for years with my partner. We both put our paychecks in the bank and made payments on various bills, some of which were in his name and some of which were in my name. My partner and I split up in XXXX XXXX. I removed myself from our joint bank account on XXXX XXXX, XXXX but the account remained active under his name ( XXXX XXXX ). 

On XXXX/XXXX/XXXX I received a phone call from my car loan lender stating that I immediately owed them approximately XXXX months of payments or the lender would repossess my car within the week. The lender told me that XXXX XXXX XXXX had pulled back all of the payments I made in XX/XX/XXXX for the car. I subsequently found out that all payments from that joint XXXX XXXX XXXX account in XX/XX/XXXX to my credit card with XXXX XXXX was also reversed as well, so I now owe the credit card companies thousands of dollars. 

I have already contacted the consumer protection finance bureau regarding XXXX XXXX XXXX but I have to do it as well now with Santander Consumer USA. In order to get these transactions reversed XXXX XXXX XXXX says I need documentation stating why the transactions were reversed from Santander Consumer USA. I contacted them, but Santander Consumer USA is stating that its payments are done through a third party and they ca n't give me a reason for the reversed transactions. They ca n't provide me with the name of the third party either and are telling me to go back to XXXX XXXX XXXX for the information. 

However, now that I 'm no longer on the XXXX XXXX XXXX account, XXXX XXXX XXXX is refusing to provide that documentation as well. I need Santander Consumer USA to release this information or at least the name of the third party so that I can get written documentation as to why these payments were reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The account was deleted by Equifax And XXXX because is from 2006 And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2016 I completed a balance transfer from XXXX XXXX XXXX Credit Card to XXXX XXXX. On XXXX XXXX, 2016 I received a statement that stated I had a remaining balance of {$220.00} and the due date for that balance was XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told I needed to call back on Monday because the office I needed to speak to was closed. I called on Monday and paid the balance of {$220.00}, and was told that my account was paid in full and XXXX XXXX would alert the credit agencies that it was paid in full. I then got an alert saying that I had a charge off by XXXX XXXX for XX/XX/XXXX, even though I paid the amount in full. I have attempted to dispute this 3 times through Experian and have been denied, Currently XXXX XXXX is reporting that my account was charge off in XX/XX/XXXX and XX/XX/XXXX. I have never had a late payment with XXXX XXXX, in fact my credit report shows every month was paid on time, and then I have a charge off in XX/XX/XXXX and XX/XX/XXXX. The first problem being, I paid it in full, the second how can they even put a charge off when I have never been late, and how are they putting XX/XX/XXXX and XX/XX/XXXX as a charge off. I have all the paper work to show that I have paid my account in full and on time. When I have tried to speak with XXXX XXXX the were very rude, and so I also took all of their employee numbers.

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 2017-01-18
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
have an auto loan with Santander Consumer usa. got behind in payments. example : say missed XXXX XXXX and XXXX XXXX payments. on XXXX XXXX when i make the XXXX XXXX payment, they do not apply the payment to principle and interest as if the payment were ontime. it is my understanding, if i only pay enough to cover the payment ( not enough to cover and late fees or extra interest that may have accrued ) the payment has to be principle and interest as if on time ... only if monies above the total of payments late can be applied to late fees and or additional interest accrued. one such payment i made, when there were XXXX full payments of {$450.00} each overdue, a payment of {$590.00} was completely applied to interest. i believe this to be in violation of the truth in lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer USA is the most predatory, self- serving establishment ever. They give no regard to their clients. I have a XXXX vehicle financed through Santander. For the past 2 years I have paid on time and have never been delinquent. XXXX XXXX I get a call that they never received my XXXX payment and to make a partial payment immediately. According to my bank statement the check that was mailed to their XXXX TX office, cleared on XXXX XXXX. When I call, I am treated like a criminal and a thief, I explained that I am trying to send my proof to them that the payment has cleared my bank. To make an extremely long story short, they only provide XXXX fax number to reach their accounting dept. They do not allow emails. I have faxed my documentation 7 times in the past week, every time I call, the XXXX individuals continually tell me, there is something with your fax maam ' we do not have your documentation, now make another payment. I have spoken to XXXX managers in the past week, they robotically repeat the same info to me, just fax your info again and check back in 24 hours. I have my fax confirmations, but nothing matters to them but protecting their own company. Tonight I am going to my local XXXX office to XXXX my documentation. The manager I spoke to insisted that I XXXX to their XXXX XXXX XXXX People do n't normally XXXX to a XXXX XXXX XXXX When I insisted on a physical address, the manager said, XXXX XXXX is the only place you can XXXX to. I found their physical address online and will XXXX to a physical address. I fear this will never get resolved and they will report me as late to the credit bureaus. They 100 % of the time, when I call to discuss this matter, remind me I am late on my payment and to please make another payment asap. Some of the rep 's have even cut me off from speaking to remind me of my " delinquent '' payment and how many days I am " past due '' ; which is infuriating when all I want is someone in this mysterious accounting dept to get on the phone with me and help me resolve this issue. As of today XXXX/XXXX/XXXX, the issue is still NOT solved. If you XXXX search Santander complaints, the web is riddled with them. How can they stay in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
Dear Sir/Madam, Good afternoon! My name is XXXX. I opened a XXXX credit card on XX/XX/2016 and spent more than {$3000.00} in next three month. Although I got the reward points, they are locked by Amex somehow when I intend to transfer my points to airline with excuse " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Could you please ask Amex remove the lock so that I can book ticket with my points? 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX I received an invoice from PayPal from whom the business customer uses their invoice services to receive money, due to high call volume they were advising to message the reps on an issue that I could not do myself, So on XX/XX/XXXX I sent a message stating that I have a problem with a service that was not rendered and I am not able to dispute the transaction, matter was looked into and then I had to link the card that I used to pay upon doing this a rep by the name of XXXX stated I was protected under the buyer payback protection as long as it was within 180 days, ok so upon looking at the day I purchased I was within the timeframe because I reached out on XXXX and followed up today XXXX purchase was done XX/XX/XXXX, so she comes back to say that PayPal can not go no further back on transactions before XX/XX/XXXX, she would not escalate the situation as I asked her to, her last response was she respect my decision, so I am asking PayPal to refund my XXXX because their business customer has not fulfilled a service that I paid for I was well within the 180 mark as she stated was your policy, the whole conversation is within my message inbox

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2020-06-08
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS SHOWED UP ON MY CREDIT REPORT I NEVER KNEW ABOUT THESE ACCOUNTS THEY ARE NOT MY ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Four Directions Lending LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. 
The date was XX/XX/2022 for the amount of {$640.00}. More than 60 days after I requested that West Side Lending stops debiting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax 's online credit report disputing service does not work ( www.investigate.equifax.com ). If you try to use it, it just runs you in circles between XXXX web pages. Credit reports are supposed to be accessible and the ability to dispute inaccuracies are supposed to be easy and available. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Advertising and marketing

Complaint:
on or about thursday, XX/XX/2017, upon logging onto my American Express premiere rewards gold card account, an offer was presented to upgrade to Platinum card with a XXXX Membership Reward bonus for a {$5000.00} minimum spend within 90 days. I clicked on the button ( link ) that said apply for upgrade, and was immediately approved. A few days later, i inquired about some charges and mentioned that offer, and was told that bonus offer was not attached to my upgrade. no one knows why, and everyone refutes such offer exsists, yet i have a screen shot of the offer, and was even on the phone with a rep about the offer at the time of the upgrade. i met my requirements within one day, and American Express needs to fulfill their side of the offer, and not dispute the fact that they even offered that to me to begin with, as they have been doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i never did business with this company, i was a victim of identy theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I inquired about an alleged judgment or lawsuit filed by American Express back in XXXX. Rather than clearing-up the problem, American Express sent a response on XXXX XXXX, XXXX which XXXX then interpreted as a NEW judgment or lawsuit, which IS NOT ACCURATE, and it has gone onto my XXXX report and damaged my credit. I NEED TIS FIXED ASAP AND CONFIRMED AS FIXED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I believe the company failed to properly notify me of the terms and conditions of the debt such as the amount owed and payment due dates. The company stated because they have not received a payment in over over 30 days that they forwarded the account to the state of California tax franchise board for collection. I have not received any communication from AllianceOne prior to    XX/XX/XXXX  .  The terms of the payment agreement was NEVER outlined nor was there a payment agreement. Therefore, to send my account to another company is unjust and unfair legal practices. Secondly, the company charges a {$10.00} fee to make payments by credit card online and {$0.00} to mail a payment. I believe to charge such a ridiculous amount is also unfair to an consumer who is trying to settle their debt and are forced to pay {$10.00} as a " convenience fee '' when payment by mail are easily lost. AllianceOne is a terrible company that needs better business practices. There was never a payment schedule identified so it is unfair to suddenly send a threatening to suspend my driver 's license and forward it to the Calfornia Franchise Tax Board. AllianceOne mailed a lette r dated  XX/XX/XXXX  and on   XX/XX/XXXX   t  hey forwarded the account to another collection agency without giving me an opportunity to respond the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not dispute that I owe the debt. My complaint is that the agency calls multiple times/day and several days/week which constitutes harassment. They will call XXXX times within 2 or 3 minutes. They call, hang up with no message and call right back and will do this multiple times/day. I have also requested that they not contact my employer and they have done that after my request.

Company response to consumer: Closed with explanation