BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had an fraud alert on my account that I did not place on there. It is on Equifax, Only bureau it is showing on. Called them several times to get this removed. I have sent in supporting documents to them three times by mail and as of now two times by fax. Last fax (XX/XX/XXXX ). 

Spoke with an agent ( XXXX ) who was finally able to authenticate me. She went through the process of updating my address on file and as well removing the fraud request. She gives confirmation NUMBERS of the two things being complete. During the call she mentioned that they do HAVE my documents that I had sent. Said the items last received in XX/XX/XXXX. I asked her if you guys received the information at that time why wasn't a confirmation letter sent out As you guys mentioned would happen? NO ANSWER. 

I checked my account a few days last date XXXX. Account still has an address that is not valid and also the fraud alert is still on the account. So I call again today. 

The representative somehow is not able verify my identity. Story of my life with this company except with the one rep from previous week. So the rep lets me know they are not able to ask any other questions other than the TWO that he asked, When I spoke with the rep on XXXX she asked 4 questions and was able to authenticate but you ask 2 and not. 

I proceed to mention to him that I called and got confirmation numbers from prior rep. No concern. I asked to speak with SUP. She gets on the line ask for Name and that is all. She does not try to authenticate me at all to verify my identity. I tell her I have confirmation numbers and to pull call from last week. She never once ASK for the numbers and stating the info that they have is too old ( documents from XXXX ). 

Keep in mind she has stated she cant get in my account but you just confirmed you had documents. She then continue to tell me once again what items to send in. I mention to her this will be my 5th time. Non chalant attitude. Sent over fax with documents. 

30 minutes prior to this post. Check the mailbox and what do you know a POSTCARD stating my fraud alert has been removed form account. SO how can I get this postcard and the alert is still on my account. This place is running a SHADY business and making money off of incorrect items that they decide to add to people accounts. 


Can someone please with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: IL
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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 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 2015-09-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I terminated a lease XX/XX/XXXX and the judge accepted my termination letter ; the termination was on grounds that the plaintiff was trying to charge erroneous fees and had no proof that these fees were valid, the plaintiff would not allow me to pay my rent because of these fees so they then tried to file an eviction, however they were unable to evict me because I provided the judge with my request for termination along with proof that these additional fees were not valid. The judge accepted my termination request, and issued the order containing how much was to be paid through XX/XX/XXXX. 

Once I left, the plaintiff waited months before furnishing anything to creditors and when they furnished it they inflated the total by over {$4500.00} what the judge ordered with my termination request. 

After numerous written request, Experian has refused to remove the erroneous information as well as the plaintiff who reported the erroneous amounts refuses to correct the data after numerous requests in writing, they constantly contact myself and family members harassing us demanding that we pay the false amount or they will keep harassing me and because their office is technically not in Georgia they state that they do n't have to abide by the order unless I send them the order, but they were the plaintiffs so they had the order. Additionally, they have since been purchased by another company and now this company is furnishing erroneous information and refuses to remove it because when they purchased the other company " they said that 's what I owed ''. It is a nightmare because I have a court order and judgement and they are trying to extort me because they know Experian will not remove it and it has costed me so much to try to remove this faulty information and it has prevented me from getting a new residence because it is on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Grant & Weber collection agency changed my personal debt and billed it to my employer. My account number remained the same, but they billed it under my employer 's corporate name and included a website and password to access my debt which they disguised as debt owed by the corporation itself. This not only exposed my personal debt to the company, but they also almost payed a debt that they did not possibly owe. 

I have disputed this debt for over 2 years because of incorrect billing and overcharges and this agency has refused to contact the original creditor to resolve the matter. I had stopped making payments when I reached an amount that I was willing to settle at for the incorrect billing. This credit agency made the move to bill my employer as a retaliation for not paying the full sum.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX I purchased a car through Santander Consumer. The cost of my car was {$12000.00} with an interest rate of 24.99 % I put {$3000.00} down. As of today XXXX/XXXX/XXXX, I owe {$13000.00}. I have made XXXX payments of XXXX. 
I called Santander to ask questions about my loan, I was told that My balance is my balance whether I pay off the loan early or not. XXXX XXXX the manager I spoke with could not tell me the amount of interest and the amount of Principle that defined my loan. I was told I have a simple interest loan with accruing daily interest of {$8.00}. and after 10 days a late fee is applied of XXXX. I do n't believe that this loan fair nor should it be legal to take advantage of consumers when we are not aware of all of the thin lines and loop holes. I have paid {$16000.00} on my car and I still another 4/5 years to pay it off. It is a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I am an owner of 2012 XXXX XXXX XXXX in great condition with approximately XXXX miles. The vehicle has XXXX open recalls that I have been waiting to have fixed for over 18 months. I recently sought to purchase a new vehicle and was told by XXXX separate national dealers ( XXXX and XXXX ) that my vehicle is ineligible for trade in due to the open recalls. Chrysler does not have an anticipated time frame for when the parts will be available in order to correct the problem. Meanwhile, I am unable to utilize the value of my vehicle to have it applied to the purchase of a new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
They refuse to send me my credit report online or via email. Called with no resolution, unable to obtain free annual credit report as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went through free annualcreditreport to get my experian report. it gave me some issue and that i will be sent a letter with report number to view. I got that letter with the report number but when i got online and punched in the number it gave me 30 seconds to view the report and after XXXX viewings it blocked the access completely. This is a joke! How can XXXX scan XXXX pages within 30 seconds before it times out!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to a financial hardship in XXXX I was forced to file a Chapter XXXX to keep my home. Over the last four year with the exception of one month my payments were made in a timely manner. On Monday, XXXX XXXX, XXXX I received " Notice of Motion for Relief of Stay from the United States Bankruptcy Court. The reason for the motion was that I had not made mortgage payments for XXXX XXXX through XXXX XXXX. I have cancelled checks for all months in question except for XXXX. I did mail a payment for XXXX but was told by someone from XXXX that they were instructed to " hold the check ''. I feel that I am being treated like a criminal for filing bankruptcy. At no time did my mortgage company try to assist me during my hardship. Which they were completely aware of. It is very disheartening to learn your money is being taken, not applied to your account and you are at risk of losing your home. I did not think this was legal practice in the United States. My American dream of home ownership has been a nightmare. Would someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
American Express charged me a membership fee but hid the charge on my statement rather than post it online where I check everyday and where every other charge is posted. If I had n't scoured the statement, I would not have noticed it. I do n't like paying membership fees so my plan was to call and ask them to waive it or cancel my card. When I finally noticed the charge ( 2 weeks later ), I called but they said they were not authorized to speak with me - only my husband. He called a week later ( he 's busy and works 12+ hour days ) and they said there were no issues and I was able to speak with them. So they lied to me when I called on purpose so I would n't be able to ask them to waive the fee or cancel the card. I then went away for 10 days and when I came back and called them, they said I missed the 30 day window to cancel and be refunded the fee. American Express is extremely deceptive by lying to me so that I could n't get the fee waived and cancel the account in a timely manner. They stole money from me that is rightfully mine by their lies and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: International Computer Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was notified by a rep. from First Collection Services XXXX XXXX stating I owed a debt XXXX. I disputed the validity of this debt and the rep stated the debt could be settled and would call me back with a offer at a specfic time and to have my debt card information available. I recieved a call from a four digit number XXXX at the said time. I refused the call and recieved more calls from the same number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2021 the total amount of {$100.00} was resolved and paid to Radius Global Solutions. 
RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2016-02-20
Company: ENCORE CAPITAL GROUP INC.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
They call often, at least 4 times a week, including on weekends, and ask for my name, by first, middle, and last name, and if I confirm that it is me, they tell me to hold while they transfer me. They will not identify the company they work for, who the debt is from, how much it is ... Only one time did they actually say that it was an attempt to collect a debt. NO other information was given and they put me on hold even if I ask them for more information. I waited on the line for at least 30 minutes before I hung up. 

The calls always come from XXXX and it is always someone with a heavy, unintelligible foreign accent. I am beginning to think they are a scam and not a true debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving intimidating collection notices after I filed a cease and desist letter by certified mail. In where they threaten to reopen some old resolved debts as a negative mark on all XXXX credit bureaus. These were old debts that I settled with the original companies as product of identity theft many years ago. these debts are old so they know they because of the age of the debt can not hold legal action against me, so instead I receive these letters and harrasing calls. After I submitted a cease and desist letter they have responded threatening to reopen on my credit report as unpaid and undisputed when it was settled long ago. Actually I received XXXX additional letters after cease amd desist letter as to some unknown debts that are also noted as old debts which are not mine. Here is a copy of the cease and desist letter that was mailed as certified mail and a response sheet was sent back. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Midland Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Re : XXXX Dear Debt Collector : I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. This account is closed and settled. It was You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the XXXX Attorney General 's office. Civil and criminal claims will be pursued. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: GVA Holdings, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XXXX 2016 I applied for a personal online loan from Northern Plains Funding. Everything was done online and I was not giving a copy of the contract after it was signed. I was given an user I.D . and password that only seem to work to sign the documents but after that it did not allow me to log back in to print out my payment schedule. My payment was to be {$87.00} per month for 27weeks or pay the full principle of the loan which was {$700.00}. However, they are now withdrawing {$210.00} every two wEEKS FROM MY CHECKING ACCOUNT. This needs to stop. I did not agree to this. I 've called to complain and asked for copies of my contract which they have not provided. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: FC HoldCo LLC
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a load with a company called navigator and they went out of business. then a company called flagship bought the account. I had some late payments in the past. I got back on track and made my payments on time. Now that I come to the end of the loan I asked how much I owed then I was told and was sent out that the total amount do is {$670.00} and my payments or current. Then I was told I owe XXXX the paper work shows that I had XXXX left as of XXXX/XXXX/2016 then reported me late to the credit burial. All I have left is XXXX payment.

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 2015-03-20
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On the evening of Friday, XXXX XXXX, 2015 a retirement check deposit of {$600.00} was made at a XXXX, NY, 1st Niagara Bank ATM into my bank checking account. Before this deposit, my 1st Niagara Bank balance was approximately {$25.00}. Later in the evening, I authorized an over the telephone bill payment of {$41.00} from this account. Again XXXX transactions occurred on Friday XXXX XXXX, 2015. & Yes, before the deposit I did not have enough to cover the bill payment. First Niagara Bank XXXX XXXX, New York, on Tuesday, XXXX XXXX, 2015, then credited the check deposited the prior Friday, but obviously put thru the check as of XXXX XXXX, 2015, rejected the check payment request due to insufficient funds & then charged my account {$37.00} due to insufficient funds. I did not learn of this event until over a week after it occurred. I then went to the XXXX XXXX & spoke to XXXX XXXX. He informed me that the bill request went thru on XXXX XXXX, 2015 & the deposit went through on XXXX XXXX, 2015 because it was made at an ATM. The ATM receipt did not inform me of this. I questioned why I would be charged {$37.00} if the bank did not in fact pay the check. Of course I did not get a response. He did however waive {$7.00} of the charge stating this was all the computer would allow him to do. I also asked why the ATM would take a check deposit if it could not be processed. Again no response. He only stated that since it was an out of state check there was also a clearing time of 2 business days. But of course the bank did not wait 2 business days before taking {$37.00} out of my account. I also informed XXXX XXXX that other banks in the area charge much less for insufficient funds on checks they do not honor with money already sitting in someone 's account waiting to clear. Since I have already incurred nonpayment & return check fees from the company that did not receive my payment, again with funds sitting in my account. I would like the {$30.00} charge returned back to me. I could totally understand this charge if the bill had been paid or if there were no funds in this account at all to cover the check. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX, I sent XXXX certified letters to Portfolio Recovery at XXXX different addresses requesting Debt Validation for a debt they are trying to collect from me. I specifically asked for " Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. '' I did not receive anything but another letter from PRA stating my name - last XXXX of my soc - and the amount they say I owe. Due to the way PRA has treated people in the past, I do not trust them to tell me the truth and not try to take me for a ride.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
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 XXXX Huntington bank reversed a provisional credit amount of XXXX The amount was part of a disputed charge from XXXX who committed fraud when they debited my account without authorization. Huntington back then reversed the credit they gave me saying that I had a contract with XXXX to be able to debit my account for any past due balance. Well you have to have a contract with XXXX to have their service but as I explained to Huntington Bank that does not give them the authority to debit my account whenever they feel like it for whatever they want. This was an unauthorized charge from XXXX and Huntington Bank allowed them to commit fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am XXXX, a fraudulent charge for over {$2700.00} was made to my account and not made by me. I disputed this with Capital One 360 and I received a notice they were deducting the funds from my account on XX/XX/2017. They took the funds on XX/XX/2017 even though I have submitted an affidavit that the funds were not authprized

Company response to consumer: Closed with explanation