BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I was going to be late on my car payments for a lease vehicle. I asked if could get a month skipped and added to the back of the ending term agreement. I was told no, and they can only change the due day out 15 days. I had the due date changed, and paid that month it was do. Unfortunately I still was out of work and could n't keep up with the payments. I asked again for possible skipping months or did I have any other options, but was told no. I was never offered any option. I was determining I could catch up with the payments but just before I got the money to catch up the leased vehicle was repossessed. I called to see if I could get the vehicle back but Honda Finance want XXXX for the full price of the vehicle not the XXXX that would have brought car current with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just got mail from Transworld to my address and wrong last name XXXX XXXX instead of XXXX XXXX XXXX collecting a debt I do not recognized as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I leased a XXXX from Hyundai. Back in XX/XX/XXXX, I was laid off from my job due to the pandemic. I called Hyundai Motor Finance ( HMF ) in the month of XX/XX/XXXX to have my payment deferred on my lease because I was uncertain of my financial situation. The person on the phone said it was ok to do since people everywhere were getting laid off. They explained that my payment will be pushed to the end of the loan. I then called back in XX/XX/XXXX and they explained the same thing regarding my XX/XX/XXXX payment being deferred. I noticed on my XX/XX/XXXX payment statement, my lease maturity date was not XX/XX/XXXX ( the original date ), but XX/XX/XXXX. Since they told me that the payments were thrown at the end of the loan, it made sense that two deferred payments extended my lease date to pay for those payments ONLY. However, on XX/XX/XXXX, when I received my last bill, it was for {$950.00}. I called HMF the same day at XXXX XXXX  CT and the agent said it was because my loan was deferred for two months, so that bill includes the two deferred payments and my last monthly payment. I told them, yes it was deferred for two months but my original lease maturity date was XXXX XXXX which is why XXXX XXXX is the new one. She was not really sure after 45 minutes of being on the call. I then called 8 more times after that and talked to other agents and supervisors and no one knew what to do or what had happened. The only common response from everyone was that I had two payments deferred, but I explained that I have already paid 39 payments for the XXXX lease for {$12000.00} which is the same amount in my contract for the lease agreement which is {$12000.00}. 

However, I was not told until yesterday, XX/XX/XXXX at XXXX CT, my lease went from 39 months to 41 months because I kept the car longer and it was explained to me, which is not true. I even asked if they had pulled up the transcript that is recorded from XX/XX/XXXX and XX/XX/XXXX conversations with the agent and they did not and will not. They failed to do their due diligence. HMF is failing to admit to its mistakes, yet they said multiple times that their system ADDED payments because it didn't know how to defer lease payments. So they are penalizing me to pay for something that their system messed up. I should not be penalized for their broken payment system. I would've never agreed to extend my lease for 2 more months, 3 years ago. That does not make any logical sense, because I knew I was going to be working again. HMF is violating my lease agreement and they don't want to be held responsible.

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 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/23 Capital One approved my card application, but refused to accept my data, denying me access to online login, leading me to believe my data was mishandled. 
Close account immediately as card never received nor activated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use the XXXX platform to work as a XXXX XXXX XXXX XXXX  as an independent XXXX. I started a brand new checking account with Square in order to have the funds of my paychecks to go directly into that account. As soon as I started getting paid by XXXX Square completely froze my account with a balance of {$1300.00} in there. That's money that I worked hard to earn. They shut down my account with nothing but a generic email saying that my account will be under review for 60 days. It's been well over 90 days and I have tried to contact Square on numerous occasions about my hard earned funds and they have told me that I can't speak to anyone and to defer back to the email. They're holding my hard earned money hostage. This is so sickening that a bank would steal money from people while the country is experiencing such high inflation and people need to pay their bills. Just sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Western Portfolio Assets
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This debt collector contacted my parents and my sister. The collector told both parties that they were attempting to serve me with papers to collect a debt. Additionally, this collector threatened me with the serving of papers and filing a wage garnishment on a debt over 6 years old and not on my credit report.

Company response to consumer: Closed
Consumer complaint received 2016-04-26
Company: College Loan Corporation
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Is it possible to get a history of my student loan consolidation that includes loan numbers, loan types, the funds that were dispersed and the names of the institutions that were paid. It has been frustrating, i have called servicers, lenders, dept of ed, XXXX, numerous times for information. No one seems to have the details. Is there any way I can find this information so I know the loans that i have paid. There are discrepancies between my records and XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Atlanticus Services Corporation
State: FL
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:
SCAM ALERT! 
Fortiva Credit Card ( https : XXXX? XXXX #! ) Phone number : XXXX ( XXXX ) XXXX Claiming I owe money on a credit card I never opened ( {$64.00}, in an account labeled XXXX, under a name that is not mine ( XXXX XXXX ). Unsolicited text messages. Ultimately a scam, do not respond or pay any amount. 

Website asks for routing number to bank accounts, account numbers, account types and credit card information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Most of my student loans are held by Navient. With Navient, I currently have {$63000.00} in student loans ( and counting, as my balance seems to get higher every year with 4 % -14 % interest rates ). I 've been paying them steadily and for the most part uninterrupted and on-time since graduating in XXXX. I have been on an income-based repayment plan for the past 3 years, as the monthly payment they were asking me to make was ridiculous. My XXXX plan expired in XXXX, and after speaking with someone at Navient, I put a temporary forbearance on the loan so I could gather my tax information from the previous year and re-apply. I reapplied, and was rejected the XXXX plan, which made my monthly payment on this student loan ( I have a handful of very small ones ) {$540.00} per month- which I can not afford. The person on the phone told me " there was nothing they could do for me '' and that I needed to budget better -- which is infuriating, as I am a very well-organized, type-A person. I called back a few times, and have been told different things each time. One time I called and was told that they no longer do XXXX plans and I just had to make the standard payments. Another time I called and was told that I could do XXXX, but they would take into account : 1 ) my income, 2 ) my husbands income, and 3 ) my mother 's income, as she co-signed my loan 11 years ago when I entered college. This is absolutely ridiculous to me. I am a grown adult, married, not living with my parents, and have no financial ties to my mother, other than she co-signed my loan in XXXX. Why on earth is Navient telling me that my mother 's income will be included as a determining factor for my monthly payment? I know many people who are on XXXX plans, and their co-signer 's income/information is not taken into account. The most frustrating part of this is that every time I call I am told different information. The bottom line is -- I ca n't afford {$540.00} a month on top of XXXX other student loans, a mortgage payment, car payment, various insurances, phone and utilities. I would have no money left for food and gas to get me to the XXXX jobs it takes to try to chip away at these student loans. Yet they continually tell me that there is nothing they can do to lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been trying to dispute this judgement with Equifax several times. Equifax is closing these disputes with out making the proper investigation. This public record does not belong to me. This belong to my father XXXX XXXX XXXX. Please communicate with XXXX XXXX XXXX XXXX at XXXX to verify information as date of birth and social security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: TX
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:
Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account, & its multiple balances and balance updates reported on XXXX XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, has 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 an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.

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 2023-04-04
Company: Uplift, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I paid off a loan with XXXX ( Loan ID XXXX ) and the account is linked to my phone number XXXX. 

I asked to have my account deleted on XX/XX/XXXX and was told " Your account can not be closed, but your loan is. '' Their privacy policy specifically states that you can close the account and have your information deleted. I wrote back further emphasizing the privacy policy and was essentially ghosted. My account and the related information is still available on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for SANTANDER CONSUMER USA to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a 20 year RV loan with Santander Consumer USA. This loan was sold to Santander when the finance company XXXX went out of business. I have now been paying on the loan for 10 years. In XXXX 2016 I decided to start the process of getting the loan paid off early by paying extra on the principle. So I have been sending in an extra payment by mail clearly marked " principle only '', but to my dismay Santander applies each extra payment automatically to interest. If I had not checked online each time none of my extra payments would be credited to principle. Just to note - my loan is paid up a month in advance. As of today, Santander has now corrected the first XXXX extra principle payments but not the third XXXX. Each time I have had to make MULITPLE calls with an " agent '' to get the payment paid to principle. Each time I have asked the " agent '' how to avoid this hassle in the future but do not get a definitive answer. 
As of today - I have made multi calls to get my third extra " principle payment '' applied to principle only - I made this payment on the XXXX of XXXX and it has still not been credited to principle only. When I called today it took multi calls to get through to an " Agent '' and the " chat person '' would not answer any questions except to direct me to call the number that I was already using. This is becoming very, very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX has 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-24
Company: EQUIFAX, INC.
State: MD
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 sent in my complaint to Equifax XX/XX/2021. Equifax signed for my complaint XX/XX/2021. By law, theyre given XXXX business days to block the fraudulent information resulting from identity theft. 

Today at XXXX I called Equifax and Ive spoke with a manager named XXXX at Equifax XXXX XXXX XXXX, located in XXXX, XXXX badge # XXXX. He informed me Equifax does not have to block fraudulent information unless they're provided XXXX pieces of information from the consumer. 
1. Social Security card 2. Drivers license 3. Proof of address 4. FTC Report 5. Statement from the consumer The law states otherwise. 15 USC 1681c2 state only numbers 2-4 is needed.

2. Drivers license 3. Proof of address 4. FTC Report 5. Statement from the consumer I asked XXXX where I can find this information in which he told me, and he stated '' the information is internal here at Equifax ''. Being as so, me as a consumer would never have access to this information being that I'm not an internal party to Equifax. I can only go off the laws set in place to protect the consumer, which Equifax seems to contradict. 

Equifax has come up with their own rules in the procedure to block information resulting from identity theft and it is contradicting the law 15 USc 1681c2. 

On top of that It has now been over 30 days, and I have not received any response form Equifax in regard to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: SYNCHRONY FINANCIAL
State: NJ
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 disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? They say that this account was purchased by another lender without providing any name, address or contact information and this account is almost 5yrs old. It looks like they are trying to reage the account which is an illegal practice.

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 2023-04-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not a tax expert, attorney, or legal counsel but rather a consumer pursuant to the Fair Debt Collection Practices Act. 
I am in receipt of a communication via implication that any individual is an attorney or that any communication is from an attorney in response to a request for validation of an alleged debt on behalf of depository institution Synchrony Bank. 
The balance in excess of {$1.00} in accordance to the Fair Credit Billing Act is a credit balance deceptively purported as The false representation of the character, amount, or legal status of any debt balance. 

Synchrony Bank confirms that the credit balance due is correct and has made no effort to refund the credit balance in full by check, cash or money order. 

As there is no deficit stated to verify a debt Synchrony Bank has illegally taken action that can not legally be taken to disgrace the consumer by communicating to any person credit information which is known or which should be known to be false. 

Please see enclosed credentials and deceptive communication enclosed alleging debt.

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 2015-04-22
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
i received a voicemail stating i needed to call Premier Recovery Group concerning a complaint regarding my social security number and if they did n't hear back from me, they were going to contact my employer.when i returned the call to XXXX a young man named XXXX answered He gave me information concerning a debt without verifying who i was other than asking my name. He stated that i needed to take care of this debt before they began legal proceeding against me. when i asked him to send me a verification of debt letter, he began calling me a liar and a thief then proceeded to hang up on me.

Company response to consumer: Closed