BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made a request in the prior complaint for Santander Bank to stop sending me bills and other communications about this account as well as having the nerve to send me promotional materials for a new account. The loan in question was discharged in bankruptcy in XXXX and Santander provided information to the credit bureaus on this account being delinquent up to XX/XX/XXXX. I have even received a letter from their attorney affirming the bankruptcy discharge. Although I sent copies of the pages on my credit report in question ( as per their initial request ) they now want me to send them a full copy of each of my credit reports as proof of an administrative error Santander clearly should be able to resolve on their end without me sending these documents. 

As of this date Santander is STILL sending me letters and have even gone as far as sending me a communication suggesting that I am due a " refund '' for an inspection done on the property in XX/XX/XXXX  four years after the property was discharged in bankruptcy and likely at least a year after it was purchased from the bank by a new buyer. I view this " refund '' as a tactic to rope me back in to being indebted to Santander once they realize that the refund was an error. I have already made it known to Santander that I am not interested in receiving any money from them unless it is ordered by a judge.

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 2018-11-17
Company: Rent Recover, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RENT RECOVER LLC AND XXXX HAVE AN UNSPOKEN AGREEMNET TO COMMIT COLLECTION FRAUD, BY ALLOWING THEM TO REPORT DUPLICATED COLLECTION ACCOUNT.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I typically pay this store credit card off each month ( Home Depot ). This last month I've had a cash flow issue with my business. I paid what I thought was the minimum but it was {$26.00} short. My balance is only a few XXXX dollars and I am fully aware I need to make another payment and intend on paying as soon as I am able to collect from my clients. Citibank has been calling my business line at least twice a day for over a week straight. This is excessive, unacceptable, disruptive and aggressive. NONE of my other accounts harass this aggressively over a minimum balance due, especially one so small. I do not have a history of evading payments or anything else that world warrant blowing up my phone with calls and voice mail messages.

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 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over the past couple of months Bank of America has let my account be hacked 4 times. Now they are holding {$400.00} of mine that was stolen from a fraudulent transaction and now I cant pay my bills until they give it back. At first they told me Id be refunded in 24-48 hours and its well past that time frame. Now say they will not give it back until XX/XX/XXXX. This is putting me in a tough position and my phone is going to be shut off unless I get the money. Why do you let these people run over the little people like this? {$400.00} is nothing to them but its causing many problems for me.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent Experian a letter on a XX/XX/ To provide me original contract with signature to verify the account was mine. Experian never produced contract. Still they are reporting on my credit report in error needs to be deleted immediately by federal law

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 2023-11-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX has not given me an updated score for over 2 months now.

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 2023-12-11
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
At the age of maturity and in good faith I brought value and consideration for a home. I put my application in with this person hoping to receive the same consideration back, but they discriminated against me, After that we lost contact. 

I sent correspondence to this person explaining to them that Im the beneficial equitable title holder & that I would like my credit/original application returned to me They responded with abusive language ( 15 usc 1692 d2 ), by calling me a borrower. I was not the borrower in this transaction. & with no mention of my returning me my application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Good afternoon, I am contacting the Consumer FInancianl Protection Bureau for an HELOC for {$60000.00} which I took from countrywide on XX/XX/XXXX. However, Countrywide went out of business and Bank of America took over, servicing or bought the account. In XXXX Bank of America extended an HELOC for {$80000.00} for the purchase of a business on the same property. However, Bank of America sent me a forgiveness letter on XX/XX/XXXX forgiving that {$80000.00} HELOC I took out on my house from BOA, but it did not record a satisfaction nor did it send me a forgiveness letter reg

arding the first {$60000.00} from the HELOC originated from Countrywide. However, Public record shows the HELOC from countrywide was satisfied on the same date as BOA recorded its mortgage satisfaction for the {$80000.00} it forgave, but there is no document on the clerk 's website showing a satisfaction that was recorded by BOA for the {$60000.00} HELOC issued by Countrywide and took over by Bank of America. Now there is new servicer that is trying to collect on the same old {$60000.00} HELOC issued by countrywide. Its name is XXXX XXXX XXXX, XXXX. XXXX indicated that that HEL

OC was a second mortgage, which was not because it was an HELOC I took after I owned the property well over two years. I believe they disguised it as second mortgage to evade the settlement for preditory lending by Countrywide. I am requesting assistance to look into that whether BOA failed to take steps to record
a satisfaction for that HELOC issued by countrywide and forgive that loan under the term of the settlement agreement with the Department of Justice and the State Attorney General I am attaching a copy of the forgiveness letter and copy of the document that showed the {$60000.00} was satisfied.

I look forward to hearing from you.

Best regards,

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 2018-11-16
Company: TD BANK US HOLDING COMPANY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX  : XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, USA I have been trying to resolve the balance on my account for several months. I live in XXXX  and acquired the account to use when I visit the U.S. The problem originated by received billing ( no online payment option for XXXX  ), very close ( or at the due date ). Even if remittance was paid the same day, it did not seem to be applied to the account on time, by the due date. I consulted with my bank ( XXXX XXXX XXXX XXXX ), and was informed the best option to remit payments was to send a money order in U.S. Funds by XXXX, or other same day service. I did so not once, but twice to eliminate the balance owing. This method has not resulted in credits being applied to my account in a timely manner. As an example : I sent a money orderXX/XX/XXXX by priority mail same day service, and it was not applied to my account until XX/XX/XXXX, after the due date for the next statement cycle. The charges on my account are not for purchases but for interest, and arrears. I no longer use the account. On the last payment I noted final payment - account closed, but I am still receiving bills and the charges keep accumulating. It is a vicious circle. I even visited a XXXX  in the U.S.last summer to pay the amount in full but was told since there were penalties on the account, I could not pay in the store. I have also called XXXX  and explained the situation on numerous occasions but to no avail. I contacted the Government of XXXX Ombudsman and they directed me to your Office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: Affirm Holdings, Inc
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
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 AFFIRM, has violated my rights.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 a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX I opened a credit card with the XXXX  XXXX XXXX and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for 5 years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the XXXX  XXXX XXXX send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that. 

Thank you!

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 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute late payments listed on my credit report that is reported in XX/XX/. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments attached in document. 
I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. XXXX XXXX XXXX  has not provided documents or documentation supporting their investigations despite repeated requests for the information on how and why they allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX and XXXX of 2019 without alerting me or flagging the accounts. XXXX XXXX XXXX  reporting negative on my credit reports. despite XXXX XXXX XXXX XXXX. XXXX  XXXX report XXXX XXXX investigations that XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges. XXXX XXXX XXXX  and XXXX immediately accepted responsibility for the illegal unauthorized fraudulent transactions and charges.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-06
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with UAC/CARHOP with account number : XXXX. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: AC AutoPay LLC, Denver, CO Branch
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received a letter in the about refinancing my XXXX XXXX truck, purchased in XXXX. The company was Autopay, I applied on line XX/XX/XXXX, on XX/XX/XXXX I was denied. My credit scores were in the XXXX. On XX/XX/XXXX I received an email to reapply, I did and was approved on XX/XX/XXXX. I filled out paperwork on line, I had papers noterized and sent XXXX. I was given all the information on a new loan rate, company and dates for new payment. They continue to have me send documents, some duplicate, last being more check stub copies and W2 form on XX/XX/XXXX. Since I've emailed, texted and called the company. They stated my loan was approved and someone would call but nothing since XX/XX/XXXX the. My loan XXXX was XXXX XXXX. The XXXX who was supposed to contact me, was XXXX not sure of that name. I last contacted them XXXX. I have all the emails and texts sent

Company response to consumer: Untimely response
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
HAVE MADE NUMEROUS ATTEMPTS TO CONTACT EXPERIAN - THERE IS ABSOLUTELY NO WAY TO SPEAK TO A LIVE AGENT, IMPOSSIBLE TO GET PAST AI. I NEED UP UNFREEZE MY CREDIT REPORT AND UPDATE MY EXPERIAN ACCOUNT INFORMATION

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 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited a check it was verified by bank & it was cleared so funds were used then days later I'm told the check was no good so there was an investigation done & they told me check was fake well if bank cleared it obviously isn't wasn't fake & even if it was how am I suppose to know that. if it fooled the banker then it's obvious I had no idea but I still waited til the check fully cleared & all the money was released so I told them I can give them the original check that was sent to me to prove that it was a legit check also the company that sent it to me hacked into my account & took my money over drafting my account causing bank to take more money from me then I paid a rental car company with my debt card but reserved it with my credit card so when I returned the car XXXX person harged the rental fee with my debt card & another associate charged to my credit card so I disputed XXXX of the charges & had documents to prove that I was charged twice & they was payed twice & I had the original receipts before the rental car changed paper work & bank refused to look at them so now I'm XXXX of dollars neg in my account after my XXXX check was fraudulently taken then the bank took my XXXX causing me not to be able to pay rent so I was evicted after XXXX of paying my rent without XXXX late payment so I have the proof to show them but they refused to look at so now I'm a XXXX XXXX age female XXXX & out on the street when I went there with my documents they told me there was Noone there that handles anything like that I asked where do I go I got no XXXX & ; was asked to 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 monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX {$610.00} {$600.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX {$540.00} I requesting these account to be removed from all of the Credit Report agencies. XXXX XXXX is not my legal name. The accounts are listed and reports different amounts due and the number of times being late.

Company response to consumer: In progress