BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Neighborhood Autos, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I just recently disputed something and just realized that the dispute came from my Car lot wide credit and I want to fix the problem because it just bring my credit down I didnt know it was them because of the name it said collections instead of wise credit thats why I disputed because I had no clue what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy

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 2017-05-23
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My account was transferred to another lien holder in  XXXX   2016  without any knowledge of the changes. My last payment was n't processed with my previous lien holder. My account balance is incorrect, I w as two forms of paperwork with different balances. I changed my lien holder for the third time to a bank, my pay off account is different from the amount the previous two lien holder s told me I owed. I can provide proper documents upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have 2 mortgages with PHH Mortgage on two 3-family homes. That is my life savings/retirement plan and I am XXXX years old. Due to the COVID-19 virus, most or all of my tenants have been laid off and will not be able to pay their rent, which means I won't be able to pay my mortgages. 

I called PHH and the ONLY thing they can offer is a 3 month forbearance. On the 4th month I would have to pay all 4 months of rent. This is not helpful! None of my tenants will be able make up the rents, therefore, I won't be able to pay the 4 months of mortgage payments. This is a program I can not sign onto which means I can't pay my monthly mortgage, my credit score will significantly drop and I might lose my properties. Also, I have no idea if things will be better in 3-4 months. No one does. 

On a further note, my wife and I started a new business 1 year ago last week. It was doing great! Due to the corona virus our business dropped way off and we had to lay off all of our XXXX employees, which is heartbreaking for us. In addition, we no longer have any income from this business. I'm afraid we will lose everything. 

I'd appreciate any feedback or assistance you can provide. I'm sure I'm in the same boat as millions of other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CAVALRY INVESTMENTS, LLC
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: Investigation took more than 30 days

Complaint:
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I had an XXXX XXXX " True Earnings '' card offered through Costco. As part of the XXXX XXXX and Costco " Rewards '' program, I was sent XX/XX/XXXX a " Cash Back Rebate '' to be applied towards any future Costco purchases. I lost the rebate voucher. I called XXXX XX/XX/XXXX and was assured that they would credit this towards my bill. They did not. Account balances were transferred to new acquiring company CITI Visa. They did not receive any such notice of voucher and directed me back to XXXX. XXXX refuses to discuss this, stating that as of XXXX XXXX accounts were transferred to CITI. I called back CITI. Their records revealed although yes, XXXX approved per phone call with me to approve credit, later on a supervisor declined the transfer. 
I have since made several return calls to both XXXX and CITI and each company says it is the other company 's responsibility to address this 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 monetary relief
Consumer complaint received 2016-11-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Late fee

Complaint:
Citibank Visa credit card and I assume most credit cards charge late fees and what is already an obscenely high interest rate. It 's unconscionable that both are permitted by law. If a credit issuer is permitted to stuff fees into terms and conditions, at which point does " standard '' terms become worse that loan sharks? These so called regulated industries are no better - 16 % plus in interest charges. How is it a credit card is able to charge a flat {$25.00} on late charges regardless of the balance owing? And each month add another {$25.00}? Plus able to charge interest on the outstanding balance? 

For a balance of {$110.00}, in two months I had {$3.00} in interest charges ( yes that 's about 16 % annualized, to an institution that pays currently 0 % ), and also {$62.00} in late fees, which amounts to 338 % annualized. How is it that credit cards are able to charge both late fees and interest? It 's either interest or late fees. And how is it that regardless of the balance the fees do n't change? Whether is {$110.00} or {$10000.00}? 

Clearly these are predatory fees and serve no purpose other than to gouge the lower income, lower balance consumers. I would like to launch a credit card service which charges low interest rates, maximum balance and no fees, how would I do that? Not easily because the regulatory frameworks protect large financial institutions from competition, and in this example are clearly not protecting consumers from predatory practices.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXXXXXX XXXX  Account # 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 2020-03-23
Company: Paypal Holdings, Inc
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:
The Merchant is attempting to charge me for an item I have not received. Paypal is debiting my account and not allowing me to submit proof I have not received the item. Paypal is not accepting responsibility for making sure transactions they process are not fraudulent. Paypal is ignoring fraud activities that are occurring on a regular basis for XXXX transactions. Merchants are using a loophole in XXXX policy to ship purchased items to unknown shipping addresses in order to hold purchasers reponsible for paying for products or services they never receive. As underwriter to these transactions PayPal has an obligation yo insure Merchants that post transactions through them are not committing fraud. Instead, Paypal ignores any attempt to report fraud and pulls money out of my account without giving me an opportunity to dispute. I have reported suspicious PayPal and XXXX activities to the U.S. Federal Bureau of Investigation ( FBI ). Paypal needs to take responsibility and address fraudulent transactions from Merchants they have vetting and approved to use their payment gateway. They do not take responsibility. I have attached documentation for a case where a Merchant is using an XXXX loophole to charge me for an item I did not receive. Also, the merchant issued a fraudulent insurance claim to collect payment twice. Paypal refuses to discuss the fraudulent activity with me and chooses to just withdraw money from my account without reviewing any documents from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX , 60 days  XXXX  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Car purchased XX/XX/XXXX. The car was stolen XX/XX/XXXX and was reported to XXXX XXXX XXXX Police Department and my insurance company. 
The vehicle was paid in full by my insurance carrier on or about XX/XX/XXXX. 
Santander is reporting the vehicle as a charged off account with a balance of {$11000.00} as XX/XX/XXXX. 
This account has been paid and close.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, 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:
On XXXX XXXX, 2017 @ XXXX XXXX I called Equifax in regards to my credit file. I asked about two collection accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX to disputed both previously was told by XXXX that they were no longer showing on my credit file. Then I inquired about the hard inquiries on my report she states that they at Equifax  can not remove unless I have documents from creditors. I explained that I mailed out follow suit letters stating removal of same inquiries from XXXX and XXXX. She then placed me on hold returns to call and says " she 's seeing where a police report was sent to XXXX but not seeing it at Equifax. '' Which is totally false because I 've sent no such document. Then I mention the BREACH at Equifax and she then says " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and etc. were around the time of the BREACH. '' My response why are these still showing then? I then ask for another Rep. After being on hold for an hour, at around XXXX I 'm speaking with XXXX. I repeated what occurred previously. She says " no the two collection accounts listed above were still showing on my credit file and that inquiries can not be removed from credit bureaus unless creditors send something electronically to bureaus. '' Contacted creditors they state they do n't have records after 30 days, or they have no account to reference. I tell her what XXXX the previous rep said and XXXX says she does n't know why she said those things. Placed me on hold comes back on call and says " I see where there was a fraud alert placed with XXXX  and XXXX  so one was placed with Equifax also '' But she just told me that Equifax could n't see what the other credit bureaus show. THEN SAYS THANKS FOR CALLING GOODBYE! I 'm baffled and angry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received 3 missed calls from Chase bank ( I have a personal checking & savings with them ). A male representative indicated there was a pending XXXX charge/transaction going out that night. They asked me if it was mine or something I authorized. I responded no. I was driving home when I found this out, so I stated I needed to pull over at a gas station & call them back. They literally called me back less than a minute of me calling them. I had just gotten paid the night before, so the only charges authorized totaled {$40.00} XXXX. He said the transaction could be stopped. Said to go into XXXX section of my chase mobile app. I thought it was weird but didnt think much of it since he was called from my pre-saved XXXX # from Chase. He said to add myself as the receipient, request that the {$1200.00} " fee '' be returned to me & that's it. Said to wait until the weekend & XXXX XXXX was over to see the pending transaction reversed. I waited until XX/XX/XXXX to report no such credit or reversal happened. 

The person in the fraud dept I spoke with XX/XX/XXXX had no record of my previous call history regarding the above. He did enter a dispute for the transaction itself, stating to wait XXXX business days for a response. They gave me a temporary credit of {$1200.00}. I received an emailed letter from Chase stating after the investigation, I was responsible for the {$1200.00} XXXX transaction and that the temporary credit will be taken out of my checking account on or after XX/XX/XXXX. 

I called the XXXX # on that letter to dispute which is the Fraud dept at Chase. I explained my story as indicated above, told them the # this male called me on ( XXXX ). The fraud rep confirmed it was a valid customer service # for Chase. He then stated that since the XXXX charge was initiated/completed on my cell phone device then this makes it mine. He said that the male that called me on XX/XX/XXXX was an imposter or impersonating someone that works for Chase. 

I submitted a lengthy investigation of my own to Chase. I provided my cell phone call detail showing the XXXX calling me & me calling it. The case was denied. 

I called the online claims dept XXXX option XXXX to discuss my case further. Spoke to a XXXX. She said the case was denied & closed as of XX/XX/XXXX. Said there was no proof of where the XXXX transaction went. She said if Chase can't prove where the money went, they can't recover their own funds. Meaning I'm out {$1200.00} I DO have 2 emails of where my money went. Email dated XX/XX/XXXX XXXX states to " Dear XXXX, please verify your email address so you can send money with XXXX XXXX. This email was from XXXX Bank. The XXXX code provided in the email was XXXX. The 2nd email was a repeat of the 1st email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I purchased gas in the amount of XXXX on my American Express Serve card. They put an additional hold of XXXX to verify my balance. I felt that this was an extreme amount of money. When I called to complain, they first told me that it would be 8 days before the money would be returned to my card. When I asked for a supervisor, that person told me that they would need to transfer me to Technical support to see about getting the hold removed. I was on hold for 1 hour and 41 minutes, and then the call dropped. I have since tried to call back and had no luck. This has caused my account to be in the negative by XXXX. They have taken all of my money for the week and I will not be paid again until XX/XX/XXXX. I have a screenshot of the on hold time with this company. They have offered me no type of resolution to my issue. I even verified that they had my number on file in case we were disconnected, which they assured me they did, and I have yet to receive a call back from them. I have used the card for gas plenty of times, and never had a hold like that. I purchased from the same XXXX a week ago and no hold was placed. This is just them keeping extra of my money for a week and it 's unjust and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander Consumer USA Holdings Inc ( SC.N ), an affiliate of the XXXX   XXXX  XXXX, allowed borrowers to make interest-only monthly payments without explaining that doing so would increase the total cost of the loan. 

I have been harassed by this company they offered interest only payments. I was told I could refinance but XXXX in 6 months here I am 6 years total balance has hardly decreased. 

Ive begged if pleaded to help they dont want to help. Long wait times that end no where. 
I have been paying {$420.00} for 5+Years and the balance doesnt go down. I see there are many lawsuits I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In XXXX of 2016, my American Express card was hacked. I called and asked that myself and my family members be issued new cards. The person with whom I was dealing with on the phone was very difficult to understand. The American Express representative apparently changed the terms of my credit card WITHOUT MY CONSENT. The company made some of my charges " billed over time '' and changed the terms of my payment to " minimum balance '' causing me to rack-up INTEREST! If I want a credit card with interest as a component, I would obtain a low interest Visa card, not some random American Express interest. I have called every month since discovering this in XXXX. I have patiently explained that I do not WANT to pay interest. My account is on auto pay, and they are to draft the complete amount I owe each month. Each month the interest has been waived, I 've been assured it wo n't happen again, and it does. The last supervisor assured me the interest was waived and could not understand what I was upset about. When I asked if the actual settings were changed and this no longer would continue, she left me on hold and never returned. I remained on hold for an extended period of time. The issue does not seem to be resolved. They continue to charge me interest. I continue to call and they waive the interest. This feels like a XXXX XXXX situation where the company has put pressure on their employees to change the terms of the customer 's accounts for a bonus. Is that true? Why not investigate? I 'm sure there are many other customers on auto pay who do n't even know they ' re being charged interest by American Express. I think this warrants further digging by the CFPB. In a way they have issued me a new kind of interest generating credit card that I NEVER ASKED FOR!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Calvary SPV 1, LLC has taken an action they are not legally entitled to take violating Title 15 U.S.C. 1692 ( e ) ( 2 ) ( a ), ( 5 ), ( 8 ), ( 9 ), ( 10 ), ( 12 ), ( 13, ( 14 ). They Are Suing Me on a Debt they Allegedly Purchased. 
They are unjustly enriching themselves by Lying and saying they Represent the Creditor after admitting to the Court they Bought the Debt alleged. 
They Have Failed to provide original Documents for inspection and copying as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no knowledge of these collection debts on my consumer profile! This is a violation of my consumer rights and a violation against the Fair Debt Collections Practices Act! I would like these items removed IMMEDIATELY! 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Collections : XXXX  XXXX XXXX Collections : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation