BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-06
Company: EQUIFAX, INC.
State: NV
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 have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Equifax. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
XXXX and XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable XXXX XXXX and XXXX also failed to mark this account as disputed violating CRA 623 ( a ) b ) by failing to mark this disputed account as disputed

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 2021-12-22
Company: Telsa Motors Inc
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Car leased from Tesla leasing for 2 years and lease extended by another 6 months. 
Appointment made as per instructions to return the leased car on XX/XX/2021 XXXX car, odometer reading was taken at Tesla dealer site, handed back both keys. 
Had me sign a paper but never got any confirmation copy of returned vehicle paper. 
Asked about the final paperwork confirming return and was told Tesla Lease would be touch as the place of return was just the Tesla dealer store. 

Had made the full XXXX payment from XX/XX/2021 but returned car on XX/XX/2021. 
Impossible to get anyone on the Tesla lease phone, so sent multiple emails asking about refund on excess paid. 
Was informed that since I did not upload inspection photos, they were waiting for dealer to do that. Nowhere was it mentioned I needed to upload inspection photos when appointment was made to return the leased car. Dealer could have done it at the time car was returned but nothing was done, except key taken back, odometer reading jotted down, and a form that I had to sign. 

Kept continuing to get bills to pay lease amount for XX/XX/2021 due XX/XX/2021. 

A couple of days ago received a bill from Tesla lease saying I owed alomst a {$1000.00} for wear & tear. No explanation, no breakdown of costs and why. 
Emailed asking for details. Was informed a breakdown saying a key was missing and for replacement of all tires and rims. 
Upon stating & insisting both keys were returned, they agreed to take off the {$25.00}. I have asked for copies of the photos based on which I am being charged the wear & tear... .something that should have been sent with the bill as proof! 
The photos were sent but what is the proof these are from the car I returned. 
This is the reason the inspection, photos and paperwork needed to be done while I was present when I returned the car! 

Today my account for the already returned vehicle shows it was returned XX/XX/2021 and now the balance is at {$1300.00}! Am being charged for XXXX lease payment too while the car was returned on XX/XX/2021. 

It has been an absolutely frustrating experience returning the leased vehicle, with getting someone to look at all the information and provide a resolution. 
Plus all the extra charges which had never been mentioned nor the process completed properly, so no proof for the customer. Intentional? 

Much as the experience was so smooth, easy, courteous at the time of doing the lease, it was the worst for returning a lease! Tesla lease seems to be trying to rip customers off, and especially where my vehicle mileage on return was well below the allowed limit and where the car had been kept in a good condition. 

Never again will I lease from Tesla Lease and will inform all I know to also not to do the same!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Was not offered by my loan provider ( Navient ) income-driven repayment plans and instead of that kept me to choose a forbearance instead which has hurt not only my status of my student loans but the whole idea of student loans and the process in which i barrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Bread Financial Holdings, Inc.
State: NV
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 have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and  XXXX  because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-21
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AFNI contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Green Square Company LLC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received a phone call from a company called XXXX. They called today and made a threatening phone call that I have a check from 2008 that needs to be paid. Stated that they will turn it in to my sherriff 's dept if I do not resolve it tonight. He also stated that he needs a statement from my attorney to release me?? The gentleman on the phone was no gentleman. He was very rude. Would not let me talk. I asked for detailed information. He stated he does not need to send me detailed information as it was public record. He has my bank information, my ssn, very private information. This is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car over two years ago and Santander Consumer USA financed the loan. I was not aware at the time that the interest rate was over 16 %. This high interest rate raised my car payment to well over {$640.00}. At the time of purchase I was able to make the payment but after being demoted and pay rate being decreased, I contacted Santander for help and they offered me an auto loan modification for six months which lowered my car payments to a little over {$380.00} and I was able to make the payments for that time. I decided to seek another car and attempted to trade the car they financed in for a cheaper and more affordable car payment only to find out that the pay off for this vehicle was over {$30000.00}. I was told by the dealer that I was victim of a predatory auto loan where all of my payments were only applied to interest and not principal. I am trying to find out if this type of loan is legal and is there anything I can do to get them to lower my auto payments. The dealer stated the large payoff amount is the reason why I can not get into a cheaper car and why my principal payments are not going down? I have made payments in the amount of over {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
upon request of docs, i was told i was speaking to an attorneythey also have reported the same information in duplicate as to affect my scores

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Total Card, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is in regards to BOTH a  Total Visa  account and a   XXXX   XXXX   XXXX   account.  XXXX   XXXX  ACCOUNTS!     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Unauthorized prescreening. I never applied for any credit nor have I ever tried to open an account with Santander Consumer USA XXXX date XXXX/XXXX/15. Who is this company? Why are they running my credit for anything. I did not apply for any card or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not know of this collection. This account happened in middle of  XXXX , It 's  XXXX , The negative remarks by Southwest collection company Does not speak respectfully, attacking me on the phone, I asked for verification because the  XXXX  would not give me membership unless I paid ahead of time. My car would not get fixed so I could not have a membership without a car, Roadside assistance. They report wrong, dates, wo n't be respectful, verify valid account, refuse to send me document 's, address, FAX? They keep attack me as a person on phone, were you live, phone number, question by email, were my email was hacked and fraud deleted information to USDOJ.   Stalking at the law, ID THEFT to collect individuals address, Business address, government websites,  XXXX  &  XXXX ,  Secretary of State business  entities. Abuse of power.     My fico score is damaged, denied credit, loans, etc.     They keep taunting me and I can not get the information, I asked them to mail or FAX but they refused!      SOUTHWEST CREDIT SYSTEM   XXXX   XXXX   XXXX   XXXX ,  XXXX  {$140.00} {$140.00}  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is in regards to an alleged  XXXX   XXXX  Credit Card, this has not been handled properly by Midland.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09
Company: Benuck & Rainey, Inc.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I contact the collection agency to resolve an unpaid collection account that was on my credit bureau. I was told that the account would be shown as paid in full and i would have a letter faxed that would confirm the paid in full status along with removal from my credit bureau. I was instructed to send in a letter authorizing them to release this information via fax which i did. After days of not receiving the letter i called back to get the letter sent, and i was informed by the representative i will not be getting that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: TX
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:
ftc violations XXXX  Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XXXX  XXXX, XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XXXX  XXXX, XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint against PNC Bank due to the loss of my home of 15 years. The main mortgage holder was  XXXX  and  PNC  was 2nd. I lost my job due to illness and I was in a Short sale with my home. I was owing PNC under {$10000.00} and  XXXX  Mortgage was willing to pay {$6000.00} of that money and paperwork was submitted to  PNC  over 3 times of the  XXXX  to get their approval of the {$6000.00} as I had a buyer and the home was sold and the closing date was set but anyone who had my file would not, did not return our calls. Also the title company was trying to reach them and PNC would not return their calls either. In turn, I lost my buyer and my home was acutioned off for much less then the contract price due to the negligents of PNC not co operatin g. 2 real estate agents did not get paid for their time and work, I will now need to file bankruptcy, my neighbors value of their homes have gone down and the buyer lost a lot of money in fees. PNC had  10 days to sign off on the paperwork and neglected to even return a phone call either way. I even physically went to the  XXXX  Ohio branch and spoke to someone in the short sale Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It  May Con cern, I am writing you in regards to late payments on my credit reports (  XXXX ,  XXXX , and  XXXX   ) for  my  XXXX   XXXX  account.     I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearances, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward. I recently entered into an income based repayment plan, but my credit report still shows student loans with late payment statuses.     As a courtesy, I am requesting that Navient make a goodwill adjustment and remove the late payments for the following loans ; so that  I may q ualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing.      XXXX   5  Late Payment s  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX     XXXX    5 L ate Payments   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX    XXXX   5 Late  Payment s  XX/XX/XXXX ,  XX/XX/XXXX  ,  XX/XX/XXXX , and    XX/XX/XXXX      XX/XX/XXXX   I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a Navient customer in good standing.     Thank you for your time and consideration  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I contacted Navient requesting an updated amount left on the loan and future schedule for all payments and when the loan will be fully paid off.     I received an answer on  XXXX   XXXX  at  XXXX   XXXX  : Our records confirm your balance is {$28000.00} as of the date of this email.     Because the monthly payment amount fluctuates as the variable interest rate of your loan changes, the amortization of your loan will also change, rendering the previous information inaccurate. In addition, the application of payments to principal and interest is not predetermined. This means that since interest accrues daily on the unpaid balance, the number of days between payments determines the amount applied to interest from each payment. For this reason, we do not provide amortization schedules.  ( My  interest rate has been 12.5 % for over 2 years now and it has not fluctuated up or down ).     I also asked if I could pay a lump sum of {$10000.00} toward my principle of the  Private Student Loan to possibly lower my mo nthly payment and find out what the amount would be left on the loan.     I received an answer on  XXXX   XXXX  saying : As your loan is enrolled in  Auto  Pay, your payment will not pay your loan ahead and the loan will remain due for payments each month. Your loan follows a re-disclosure schedule, and your payment will be reduced automatically during this process to a lower payment, which will pay your loan in full using the same maturity date.     Your payments follow a standard payment application, in accordance with your promissory note. Payments will usually be applied first to outstanding interest, than to outstanding fees, if necessary, and the remainder to principal. If there is a significant amount of accrued interest, from a deferment or forbearance, the majority of your payment be applied to interest each month. Unfortunately, we are unable to provide a balance left on the loan due to the application between principal and interest. ( Why ca n't they give me this information? I would reduce the principal by {$10000.00} and then they can give me an updated payment and schedule. I know they are pushing this off so the service company "  Navient  '' would make more money over the time.     Any help would be much appreciated.

Company response to consumer: Closed with explanation