BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My XXXX payment, XXXX payment were not posted until XXXX even though they were mailed on time. Due to snow storm in Texas. My XXXX, XXXX, XXXX payments all went to interest nothing to principal Making my credit look like I missed payments. I have been trying to deal with Santander Consumer USA since XXXX to straighten this matter out. I have gotten the same run around. XXXX  XXXX referred me to you. I am also complaining about the 25 % interest rate. 36 states are suing them for their illegal practices. I want my account set straight. I've already paid them what I borrowed for this loan. I borrowed {$11000.00} and they want me to pay them {$32000.00}. That's outrageous and then they want to pull this kind of stuff. You can't take advantage of people because it snows and you don't work. My payments were consistently paid from the beginning of my loan the same time with no changes until the mess up of missing payments during the snow storm. You can see that from my attached spreadsheet with every money order number date and statement date and date they posted it from the beginning of my loan. You will see where they have taken payments that have been made and days later reversed the payments and made them again. I'm also attaching a letter explaining their letter and a copy of the first page of their letter. So you can see the confusing and messed up stuff they try to use to explain what they've done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: NATIONSTAR MORTGAGE LLC
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:
I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX/Nationstar since XX/XX/XXXX. The checks clearly show the payment made, cashed date by XXXX/Nationstar where they used XXXX XXXX XXXX. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX/Nationstar since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: MD
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:
XXXX  XXXX hard inquiry on XX/XX/2021 without my permission or knowledge of this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I originally applied for a Sam 's Club Synchrony bank credit card online through a link from www.samsclub.com to Synchrony bank on XX/XX/2021. I received an email with a link to an explanation of my credit request. When putting in my SSN and zip code, I got the pop up information return that my information was incorrect. I ended up calling Synchrony for Sam 's Club credit on the phone and they told me that they could not release any information of my credit denial over the phone, but could mail me the information to my home. I requested the information. When I received the letter the letter informed me " Your credit request was denied for the following reason ( s ) : Credit bureau reports that the applicant is deceased ''. The letter further informed me that if I questioned the credit bureau 's determination, then to call the credit bureau XXXX. When I called them, they could not explain the determination and that I should call Synchrony for further detail. When I called XXXX, their resolution was to reapply for a credit card for Sam 's Club. I have a XXXX XXXX score, I am not deceased and can not determine why I was denied. I decided to physically go to my local Sam 's Club and apply. I got a friendly customer service representative ( on XX/XX/2021 ), that admitted I was not deceased, but did want to see my photo drivers license. After she entered the detail, my credit card was still not approved so she called Synchrony Bank. They requested that I get on the phone and recite my name, address and last 4 of my SSN. They also asked for my phone number and if that was my only immediate contact for that instance. They then put me on hold and said to please be patient. I waited and the Synchrony Bank representative came back on and said she was going to recite me a url web access. I was to write the address down and go to the web site and video 5 minutes of my displaying verification of my identity. It sounded like holding up my pictured license to the camera and maybe a passport. I was flabbergasted to say the least and said " you want me to go to a website and video tape myself? ". I explained to her that I did not need the Credit Card that bad and would not be preforming for any audience and she could have a good day. I have never heard of anyone being requested to go to a website and video themselves. Is that legal? Thank you for your time. Respectfully, embarrassed.

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 2021-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Had received a direct deposit from a friend of mine they closed my account after some one stole my card and deposit some checks that bounced the whole time my direct deposit was in saving and checking account when account was closed they sent a check to prior address I was not living there so check was returned so when I came back from XXXX I called chase Bank and was told I could not have another check sent out and that I would need my friend who is now back in XXXX to come in and verify some thing I don't know why if check was sent out once and after 1yr plus there have been no criminal or friend fraud with that deposit and they have already attempted to send the check to me once already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download XXXX and Transunion app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called Transunion and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like 20 addresses. It even shows that I have an address in Colorado and I never even been to Colorado. 

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines. 

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new one too. I don't know if that has anything to do with this.

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 2018-02-13
Company: NATIONSTAR MORTGAGE LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested a reduction in my mortgage interest rate about two years ago as I was paying and still paying 6.875 %. My mortgage was initially with XXXX XXXX XXXX in XX/XX/XXXX. 
The mortgage was switched to Nationstar around XX/XX/XXXX. This was done without my agreement. I have tried on several occasions to re finance my mortgage to a lower rate. In addition I have been invited by Nationstar to contact them regarding refinancing. On each occasion my request was rejected on the grounds that I did not possess a SSN. In addition I was prevented from gaining access to my account as I did not have a SSN. I reported the problem to a number of SSN on line managers and on each occasion I was told that new restrictions in the law prevented them from assisting me. I have tried to get accesss to their senior management and to no avail. I understand this company is a debt collector and as I have never faltered on my payments to XXXX initially nor to Nationstar as I have sufficient earnings to pay my monthly sum. I am at a loss as to why I do not have a right to gaining a lower rate. My credit ration is excellent and I have sufficient liquidity in the mortgaged condo to ensure I offer no risk to my creditors. In addition Please can you assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of Portfolio Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$400.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Portfolio Recovery Solutions & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed & faxed a letter on XX/XX/2023 demanding verification and validation. This was a demand for proof of contract to substantiate Portfolio Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored ( although given 30 + days per the FCRPA ) and Portfolio Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Portfolio Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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

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 2023-06-22
Company: CITIBANK, N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Opened a 0 % balance transfer CITI card to pay on a line of credit at our bank, XXXX in Washington, PA on XXXX. The amount to be transferred, {$11000.00} was Never received at XXXX. I have talked to, XXXX people at CITI XXXX each XXXX, me having to start from day XXXX explaining the problem. I was given a TRACE ID # which I took to my bank, XXXX, & nothing was found. I made the mistake of not putting the full account # in when applying for the transfer money, but, did supply them with my bank name. Several CITI reps took my bank phone # & even the name of the banks manager to talk with her, after I gave permission to do so, & no one has ever made a call. Im told with each phone call to CITI, Its under investigation, call back in XXXX days!! I have made XXXX, healthy payments on this money that I do not have! Now, I read at CITI the XXXX will jump from XXXX XXXX % if the transfer isnt completed within 4 months from opening. Im at my wits end trying to find this money & CITI isnt doing a thing. THANKS! XXXX XXXX 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 2021-10-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Chase Business XXXX XXXX  card. On XX/XX/XXXX, two charges from XXXX showed up on my credit card in the amounts of {$250.00}. The two charges were for identical amounts and on the same date. I had not booked any flights with XXXX so I called Chase to dispute the charges. I also informed XXXX that I did not book any flights. XXXX did not issue a refund. Chase, however, reversed the charges on my XXXX statement and I received credits for those amounts and I thought I no longer would have to be liable for these charges, since I did not book these flights. Unfortunately, on my XXXX statement, they added the charges back to my credit card. I called again on XX/XX/XXXX to dispute the charges and ask why the charges were put back on my credit card. The agent on the phone asked me to send a screenshot of the flights I took with XXXX. I told her that the last flight I took or booked on XXXX was from XX/XX/XXXX. I sent a screenshot of this and sent it as proof to XXXX on XX/XX/XXXX at XXXX XXXX  XXXX. On XX/XX/XXXX, Chase sent me a letter stating that they still will not reverse these charges, despite the fact that I provided proof that I did not take any flights with XXXX after XX/XX/XXXX, which is when the charges appeared on my Chase card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi I found some new information regarding my home and foreclosure process. In the XXXX County Recorders Office I noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on XX/XX/XXXX Book XXXX Page XXXX. I dont know how Mr. is trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of Default but put the property on sale without Notice of Default? 
I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for XX/XX/XXXX after checking some online auction sites they say my sale is active foreclosure. Im worried that Mr. Cooper my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners Bill of Rights Act. 
I see they dont want to work with me and offer me absurd and unrealistic options which I can not afford and will force me to pay even more than I used to in the beginning. I can not do this. Im trying to get a loan modification, Im trying to keep my home, Im trying g to work with Mr. Cooper and the investors, Im trying to do and give them everything needed to succeed and seems like all they want to do is get rid of me and sell my home, take it away and move my family out. I want to pay my mortgage and be a good borrower but the recession has brought me to a point with my loan that fees alone have accumulated over the years with different servicers that its hard to keep up. Please hear me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Due to the data breach with XXXX and XXXX some time ago, victims of the breach were granted access to credit monitoring through Credit Karma. I was one of these victims.

Recently I began receiving emails from Credit Karma with alerts stating that my " credit limit has decreased '' and they referenced a line of credit I carry ( XXXX ) I contacted XXXX and was assured that my credit limit had not changed - this repeated three times : Credit Karma emails me with an alarming email explaining how decreased credit limits can harm your credit health, how will this negatively impact me, how to contest the change, etc., I contact XXXX to confirm nothing changed, I email Credit Karma, get ignored ... process repeats.

I've contacted Credit Karma dozens of times and they refuse to put me in contact with a supervisor, but the rep who replied explained that these " credit limit decrease '' emails are marketing emails and to ignore them- which is unacceptable. 

I explained that this deceptive and predatory behavior and that I no longer give them permission to send me those types of communication ... .at this time they began to refuse to even reply to my emails, stating that my email addresses didn't match their records and for security reasons they could no longer communicate with me ( this was blatantly untrue ). 

At this point, I want to lodge a formal complaint because these are extremely alarming emails to receive and they reference real lines of credit I carry and give false information in some ridiculous attempt to get money by scaring poor people who've already had their lives disrupted and their financial futures negatively impacted by our very own credit reporting agencies. 

It's all unacceptable and their lack of willingness to even communicate with me about fixing the issue and stopping these marketing attempts is not ok. 

Thank you for taking this time to review. I appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX does not keep up to date accurate records for accounts serviced. I sent XXXX a letter to exercise quite verify balance and accounting information. I requested the original contract with signatures and they had 30 days to reply. I have not received any documents from the services with original contract. The amount that is being reported to the credit bureaus in inaccurate and larger than the original loan. Also they are reporting multiple late payments that are inaccurate. Please assist in remedying the situation. Per fcra the information reported should be accurate or deleted.

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