BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Synovus Bank
State: TX
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:
Payment for the credit card was sent via bank pill pay on XX/XX/2023, for payment due XX/XX/2023. After checking account, they charged a late fee on XX/XX/2023, but processed the payment on the following day. Contact was made to First Progress on the following dates : XX/XX/2023 ( no response ), XX/XX/2023 ( spoke to representative about a late payment fee that was put into my account. Another in which had been applied, totally {$60.00}. I requested that both be excused due to late processing from them and perfect payment history. ) XX/XX/2023, I received a letter stating that they could not process my request at the time. 
I called again XX/XX/2023, and spoke with XXXX. He suggested that I write a letter and fax it to correspondence, in which it stated all personal grievances. The fax was sent the same day. There was no response to fax. 
Contact was made again on XX/XX/2023. The representative said the matter had not been reviewed and I needed to further wait. The representative also suggested that I send another fax requesting a Goodwill Deletion for the late remarks and a credit for fees. The fax was sent again. 
There was no response for the next following weeks. I called again on XX/XX/2023. The representative said that there were no updates on the account. She suggested that I just pay the late fees, in which I declined. I requested for someone to contact me. 
No letters were received by me nor was there any calls. 
I called again on XX/XX/2023. By this time the account had reached {$110.00} in late fees and had been reported to the credit bureaus as a delinquent account. The represented suggested that I pay the fees and that they might reimburse me after a solution has been made. I declined once again, due to the uncertainty that a solution will be made as well as the possibility of being reimbursed. He suggested that I send another fax to request a Goodwill Deletion for the reports to my profile as well as state my complaints. I sent the fax XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Affirm Holdings, Inc
State: IN
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:
I received mail from Affirm in XX/XX/XXXX for XXXX collection accounts from XX/XX/XXXX. I called the company and disputed the charges because I have never had an account with Affirm. They said they would look into it and get back with me, they also sent me a letter stating the same. I did not hear from them again. 

The three collection accounts then showed up on my XXXX credit report. I disputed them individually on XXXX on XX/XX/XXXX and the company notified XXXX they belong to me ( they are not mine ). I disputed them again on XXXX, said they are not mine and asked them to provide proof. They again told XXXX they are mine and did NOT provide proof. 

I called Affirm again and disputed the accounts. I was told they would research and call me back within XXXX days. Ive not heard anything from by phone or mail. 

These accounts are still showing on my XXXX report. I want them removed from my credit report and I also want Affirm to remove these XXXX debts from me because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I checked my Credit Bureau Scores and discovered that an alleged debt was " Parked '' on my credit reports without any notification beforehand. I do not recognize this debt or debtor. I have contacted XXXX and will be contacting the other credit reporting agencies to asked them to remove this from my consumer account as it has damaged me already by lowering my credit score XXXX points across all three reporting agencies. 

I have sent certified mail demanding verification of this debt as I am exercising my rights as a consumer to have a 100 % accurate credit report. 15 U.S.C 1692 ( g ) prohibits parking debt on my consumer report without first providing validation and/or verification of this alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX I obtained a car loan from Exeter Finance by the beginning of the year XXXX my car loan was paid off without a late payment throughout the entirety of the life of the loan.Through the life of the loan I obtained a few deferred payments in which it was explained to me by representatives working for Exeter Finance that I would pay these off once my original loan was over. They explained that once my original loan was paid I would continue making my monthly payments of XXXX every month until the deferred payments were paid off. XX/XX/XXXX Exeter Finance contacted me explaining if I did not pay the balance in full of the deferred payments they would report to the credit bureau each month XXXX days etc until paid in its totality. I explained to them what the representatives of their company had previously told me about the deferred payments their reply was Im sorry they told you that but they were wrong. I responded well I went along with the deferred payments based off of what they told me if I knew I would have had to come up with a lump sum of money at one time I would have went another route.I continued to make my monthly payments on time every month even extra payments to try everything in power to pay these deferred payments off I feel this was a situation where predication of consumer was at hand. I take my credit so seriously thats why I never had a late payment throughout the entire life of the loan but this entire ordeal with this company is ridiculously on so many levels. My entire credit report is very good and my score to with the exception of this blemish this company has left a dark cloud over my credit. If you take a look at my account with Exeter Finance over the XXXX or XXXX years it is flawless then at the very end you will notice something odd and strange looks like this account has took a turn for the worst not normal. Any help that can be given in this matter to resolve my situation and to not let Exeter Finance prey on anymore consumers in the future would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX of the Hudson Valley to set up a payment payment arrangement to pay off my debt of XXXX. The woman I spoke to did not offer me any type of negotiation for the payment arrangement. I offered to make a payment of half, XXXX on XX/XX/XXXX and the remaning half the following week. She stated she would put in a request to post date the payments for XX/XX/XXXX and XXXX. NOT what I had asked for, but I agreed. I also asked for some type of documentation stating I was agreeing to make these payments or an update to the credit bureau and she said that they do not send out docs or update until the payment is made in full.XXXX  My family is now sick with XXXX so I had to take off a few days of work, so I was not able to make the payment for XX/XX/XXXX. I contacted CBHV XX/XX/XXXX and the man i spoke with earlier told me that I was confusing him when I informed him that I needed to cancel the payment for XX/XX/XXXX and set up a different and smaller payment arrangement. He at first said that I could do a {$XXXX} payment and gave me the dates that we could start that. The dates that we had agreed on was {$XXXX} on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX and I would have agreed to {$XXXX} XXXX and I agreed and then as soon as I agreed he changed it up and said " Ok, so I'm going to put in that you'll pay XXXX XX/XX/XXXX and then again on XXXX ''. That is NOT what I said and when I confronted him about the change, he said that I initially spoke WITH him and he was insistent that I spoke WITH him on XX/XX/XXXX and why couldnt I agree with XXXX, because thats what we agreed upon when I spoke with you last friday. I took your money, I KNOW I spoke to you. XXXX not allowed to make a payment less than {$XXXX} so thats why you need to make the XXXX payment and you cant spread these payments out for longer than what it needs to. He also insisted that no communication will be sent out for the payment agreement or anything other paperwork stating I am in an agreement. He said that I would receive paperwork before the payment I set up ( i dont remember what date now ) within XXXX weeks and then was insistent on telling me today was Saturday and that I would receive the payment agreement paperowrk by the end of XX/XX/XXXX. He also stated that my credit report wouldnt be updated until the payment was made in full, not even a paid/ontime payment notice would be sent to the bureau. and the bureaus will be contacted in XXXX XXXX so now we're talking XXXX before my credit states this is paid off. XXXX are quick to add this to my credit report though.. I was honestly shocked that he would lie and change up the terms he had given me! I also heard another woman XXXX  at a customer in the background!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had many over draft charges by wells fargo.for over 12 yrs.maiden name 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 explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: NC
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 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 explanation
Consumer complaint received 2023-02-20
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been trying to get my hardship application approved through PenFed, but they keep saying theyre behind and it will take three weeks. Ive been battling XXXX since XXXX ( reinfected ) and have had reduced pay until I can test negative. PenFed said they were behind three weeks back in XXXX. Its almost XXXX, I need relief. 

I had the title of the vehicle sent by certified mail in XXXX. They received the tracking number and a photo of the receipt from USPS. Im still being called by them daily to inquire about it. It was sent to them last month, they should have it. 

My tags were registered in the wrong state. I requested that the dealership ( XXXX XXXX XXXX ) do Virginia tags, but they gave me Maryland in stead. They told me I have to go through the lender to correct it. I spoke with someone at PenFed who said the titling department will handle it, but have they need the title first. 

Ive done all I could by sending what was requested with no results.

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 2023-08-04
Company: SANTANDER HOLDINGS USA, INC.
State: IA
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:
Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence usedin Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in 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 2023-01-20
Company: EQUIFAX, INC.
State: KS
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:
My credit reports generated by XXXX, XXXX and Equifax on XXXX display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of last activity, balance and close date which is inaccurate. Therefore, this item must be deleted as per section XXXX FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity ( XXXX XXXX XXXX  Balance $ XXXX $ XXXX XXXX Close Date XXXX  - - Credit reports of the

three bureaus are enclosed. My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Added {$100.00} to pay bill. With Venmo money was withdrawn and later on was messaged by Venmo saying I owed {$100.00} I had the XXXX that was withdrawn

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
I would like to as help to lift the limitation on my account. 

please I need to change my cards and banks, but it is still my own bank account but on Monday I sent two transfers to my bank account. and denied both. 

Last XX/XX/, 2023 Withdrew Funds to a Bank Account it is in XXXX EUR but, i forgot and not aware that should I should convert it? 

the same time the amount in USD I also tried to withdraw to send it to my bank account {$190.00} USD But paypal denied my withdrawal because of the actions from my account that i change bank account that time, Please help me restore my account,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt has been paid off as a charge off but is still showing up on my credit & I will like it removed. Since I paid it off

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 2023-04-25
Company: EQUIFAX, INC.
State: MO
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:
I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$270.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$200.00} XXXX XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$130.00} XXXXXXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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:
In XX/XX/2022 my account is reported to credit bureaus XXXX, experian and XXXX  it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also inXX/XX/XXXX90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.

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 2023-03-13
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Repossession of my vehicle. Now they harassing me now that they sold my vehicle and saying I owe so much money

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was having a hard time with Mortgage due to medical reasons. I tried to do loan modification and was denied. So stressful and disappointing especially while dealing w health issues. I had to file for bankruptcy in order not to lose my property.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Between the years of XXXX sells fargo continuously held my checks frozen for multiple business days without any explanation.

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