BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I started with Santander everything seemed fine until they started sending payments being sent back for random reasons. They would then wait to give me a courtesy call then charge me more for " interest ' and " late payment '' reasons. I then proceeded to let my parents know and we made the last payment with a different card and Santander tried it with them too. we have bank statements and receipts that show the payment was made but they continue with this. I called and warned them about it once before and they quickly dropped the price but have started their antics once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NY
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, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX we applied for and received a governmentmodification through our mortgage company XXXX. 
In XXXX of XXXX our mortgage transferred to NationstarMortgage. During this time we paid our mortgage ontime each month for the amount listed on our statement. 
In XXXX of XXXX I was informed by Nationstar that ourmortgage would be going up very significantly becauseour previous mortgage company XXXX had been lettingour escrow account go into a negative state of over XXXX said we would need to repay all the money and wantedus to repay in a short period of time with extremely largepayments. I told them I could not pay that amount andwould end up losing my house. After several phone callsand begging they agreed to let us stretch out the repayment. 
Our mortgage is now over {$600.00} more per month. 
I asked for an explanation on how something like this couldhappen and asked several times to speak to a supervisorand was never able to. I even sent a certified letter toNationstar and never received an answer. I asked for ourPMI to be removed to help lower our payment but becauseof the negative escrow amount they said they consider ourloan to be delinquent and until it is all paid back we will notbe able to get rid of our PMI. I said to them our paymenthistory should be considered and that it was n't my fault thatthe previous mortgage company let this happened. I askedwhy it took so long for them to figure it out as I had made 9months of payments to them at the lower amount. They saidthey had done an escrow review and discovered the issue. 
I learned of the increase by calling to pay my mortgage theynever even sent me a letter to explain or show whathappened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Nationstar from XXXX XX/XX/XXXX. This is a loan modification that was in effect since XX/XX/XXXX, with never a late or missed payment and no issues XXXX. Since XXXX has had this loan there have been multiple problems. In XXXX my payment was increased due to an increase in the required amount for my escrow impound account. That was n't the problem - I only became aware of the increase when I received a letter in late XXXX from Nationstar stating that my XXXX payment had not been made. My credit union statement showed that it had been made on time. Because Nationstar had not received the full amount ( the new amount ) they suspended the payment - again with no notification. When I was finally able to find out what had happened to the payment I made, I paid the difference with the XXXX payment.They reported this to all XXXX credit bureaus as a late payment and in the case XXXX, continue to report that there have been no payments in XXXX, XXXX or XXXX. I have not missed or been late making payments on this loan and all payments are current. They are also reporting to all XXXX credit bureaus that my delinquent balance owed is {$63000.00}. This amount is part of my loan modification terms and is a deferred balance that does not incur interest or require payment. They have destroyed my credit that I have worked diligently to repair and I fear they are trying to dismantle the loan modification that I worked so hard to get. I have filed disputes with all XXXX of the major credit bureaus, but in the meantime my credit is a disaster. Please help.

Company response to consumer: Closed
Consumer complaint received 2023-06-21
Company: Synerprise Consulting Services, Inc.
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:
In accordance with the Fair Credit Reporting act. the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX and XXXX to reinvestigate this account : Account name : XXXX -- - Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I requested proof of documents to this account and they could not provide any proof. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Email : XXXX XXXX : XXXX XXXX Denied case number : There's no case number, but a screenshot is provided. 
- Merchant name : " Not Available '' - Transaction Date : XX/XX/2023 - Transaction Amount : {$1600.00} - Reason for dispute : Unauthorized Charge during off-site physical therapy. 

- Date you submitted the dispute to us : XX/XX/2023 ( No response ) & XX/XX/2023 After requesting documents of how Cash App came to the conclusion to deny my unauthorized claim I simply received a screenshot of the charge. Yes, I am serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a text alert from the credit bureau 's that someone had recently filed a collection on my credit file under a name other than mine. It was dated XX/XX/2018 from a collection company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL for {$770.00} for XXXX XXXX which I have NEVER subscribed to or ever had. The credit bureau said a new name was added to my credit file and the collection agency filed the collection under that new name. I've read numerous posts that this company is known for this type of criminal behavior, many whom are suing this company for its illegal practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We have health exam that arrange by my family doctor, that doctor said our insurance covered, after 6 months, we received a bill from XXXX XXXX, if some blood test not covered by our insurance, the lab should notice me. we should be have a right to rejected? 
we tried to contact XXXX  XXXX customer service never contacted, always waiting on line for over 30mins, no one answered the phone and email, we are working, can not waiting on phone during the work. 
XXXX XXXX sell debts to Radius Global Solutions LLC. 
They provided disputes electronically at XXXX I email them about the issue. And contact about solutions, they said they didnt receive my email. I did sent to them 7 times. 
How can you Help me for this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CADENCE BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My ex and I recently refinanced a home. I was to sign a quit claim deed removing myself from title prior to closing. The loan officer refused to send me a copy of the closing disclosure even though I wasnt removed from title at the time of closing. 

I brought this to the attention of the closing agent, XXXX XXXX XXXX in XXXX, Alabama. The closing agent wouldnt help me and actually let them proceed with the closing without me even signing the quit claim deed. 

I was given a copy of the closing disclosure after my ex insisted that his loan officer, XXXX XXXX at Bancorpsouth, send me a copy. 

I worked in mortgage for years and I know that all parties on title are to receive a copy of the closing disclosure at least three days prior to closing. I am writing to complain because I dont understand how they were allowed to close before I even signed the quit claim deed or received a copy of the disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Capital One Spark Business credit card since early XXXX and accumulate over XXXX miles on the account. But since the pandemic our business slowed down and I have not been using the account and haven't received account statements regularly since last year. Then they billed me a annual membership fee of {$99.00} XX/XX/XXXX or XX/XX/XXXX but with the USPS service being unreliable, I didn't received the statements, e mail notice or text message notifying me about the account being delinquent or past due. Then I received a statement closing on XX/XX/XXXX ( XXXX XXXX XXXX ) saying that I have a balance of {$180.00} ( with late fees and interest to double the amount of the annual fee ) and I have until XX/XX/XXXX to pay the amount. When I got the statement on XX/XX/XXXX, I log onto my account online and called Capital One bank immediately and noticed they have credited all my account balance on XX/XX/XXXX and closed my account and told me that all my 310000+ miles are forfeited with the closing of the account. I felt like they did not stand by their statement to give me a chance to pay off the account and closed my account even before I received my statement was mainly wanting to cheat me of all my miles accumulated which is absolutely unfair to me as a consumer. They made money from what I have spent over the years over {$200000.00} then intentionally closed my account and made me forfeited all my miles. I tried to request the reopening of my account, but they refused and just engulfed and forfeited my benefits that I have earned over the years. Plus they didn't stand by their statement to let me pay off the balance before the due date, at which time I have over 20 days to pay them off, a blatant abusive act of cancelling and cheating me of my miles. That's why I have to file this complaint and if possible I will take legal action in small claim court, hope your bureau can help me to get my benefit back. This also hurt my credit score for a few months which was unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: Prosper Marketplace, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a approved for a credit card through Prosper Marketplace - I ran it up, and do admit to owing what I had charged. Somehow I missed a payment and the charges added were what they were ( honestly don't remember )- I received several phone calls from them requesting payment - when I finally answered them it was the day before the next payment was due - the woman told me what I needed to pay in order for me to be brought current ( it was around {$170.00} ) - for which I immediately made payment online. I was under the impression this would bring me current to include the payment that was due ( the next day )- well, I learned a month later after missing another payment that there was another hefty payment due - my issue is, they won't work with you. They are hard to understand on the phone many times- they call and call and call you, alot of times on piggy back phone numbers ( spam - other caller id 's ) and I got frustrated with them and stopped answering as what they were doing to me is very close to the definition of harrassment - THEY JUST KEPT ADDING FEES - At this point I refuse to deal with them unless there is another party involved- I believe CFPB is their regulator thus why I am reporting - believe me, they already reported this on my credit which of course have sent ripples to my credit scores.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: GA
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 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 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 XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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.

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am a victim of identity theft and fraud. I have notified alleged creditors that the items on my report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule the requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loan, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and /or score. My social security number information was breached and alleged creditors have used my social security number and are in violation of the privacy act of 1974etc. unless they can prove a written contract exists.

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 2022-10-21
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
UNRESOLVED FRAUD ISSUE ON MY CHECKING ACCOUNT I mailed a check for {$50.00} to XXXX XXXX XXXX in XXXX. I received my bank statement in XXXX. The check had been altered to XXXX XXXX for {$7000.00}. 
I notified the bank and the police of the fraud. I completed multiple forms for the bank and a statement for the police. The paperwork included an affidavit of unauthorized paper debit. I have contacted the bank multiple times with no success. I am looking for help moving this forward and resolving this issue. 

Every time I talk to the bank they request more of the same thing. Each time they push the resolution time later for a month more. As of this week they have pushed the time back to XX/XX/XXXX. This is going onto five months of delay. I need assistance getting my {$7000.00} back.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX and XX/XX/2023. I reached out to all major credit bureaus asking to correct these inaccurate account. After multiple attempts I have yet to hear back. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( secton 6 0 4 in section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructons. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of fraud I have disputed this directly with this creditor numerous times its on record and I have sent them all of the necessary documents they said that they needed from me to properly investigate this fraud. they claim the account was open in personal on XX/XX/XXXX of XXXX in Ohio, which is impossible for me to do so because I was currently at New York at the time and the proof is also in my bank-statement for the date of XX/XX/XXXX which shows I had a physically withdrew and deposited money in the XXXX, New York XXXX I have sent them proof of my bank statement as requested from the months of XXXX and XXXX as requested which is when they claim this fraudulent account was open and had monthly payment activity. I have also disputed this with the credit bureau and you guys stated it was valid and verified which is impossible because I have never opened this account .I need this fraudulent account removed from my credit report. This is preventing me from applying for a mortgage at the moment and so many other things. I also attach and sent them an affidavit that was signed and notarized, this is truly affecting my life. I am a victim of identity theft and I have exhausted all my resources and kept documents of all the calls and disputes I've made in an attempt to have this resolved with this company. if this is not removed and cleared from my name and my Experian credit report ASAP, I would be contacting a lawyer to seek litigation for damages.

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