BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
Company: Santander Consumer USA Holdings Inc.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a XXXX XXXX XXXX from XXXX and financed through Santander Consumer USA ( XXXX ) in XX/XX/XXXX. I have been paying my car since then but, in XXXX i fell behind due to my husbands XXXX and subsequent medical expenses that resulted from the XXXX. I attempted to fix things with them several times and they said well you are past due and we submitted for repossession of the vehicle but, if you pay the past due today we will cancel it and you will avoid any repossession or issues as a result of that. I would just have to pay and continue making my payment. We paid the amount that they required and then i discovered that on my credit report my car was reported as Charge off. I contacted them and they said oh that 's what we do when we reinstate a loan. I was never ever notified in writing or on the phone that they would be doing that. I am paying on a vehicle that shows as thought it was repossessed on my credit reports. I have tried to refinance the vehicle and I was informed by several banks that I ca n't refinance something I do n't have ( which clearly i do have ) The bank is destroying my credit I can not get a home or anything because of that loan. They have charged it off but constantly update the loan charge off date to seem closer and closer so it always appears that I just lost the car. The vehicle balance never changes and they never report that i am making payments it looks like i occassionally give money to a debt not a loan! they charged me over 10 dollars to make a payment for years and my payoff amount is still {$16000.00} on a vehicle that started with a balance of {$18000.00} 4 years ago. I think they are cheating me and stealing money from me because thus far i have paid XXXX and at the rate of charges i will pay XXXX XXXX dollars for the vehicle was never valued anywhere near that amount to top it off they said i still have three more years to pay because my vehicle is charged off and will always earn interest. They I believe broke the law by not informing me of what they would do to my account, me and my credit. They never once in writing or verbally told me they would report my car as charged off/ repossessed. This is a very predatory way to run a business and this is not the case with every loan i have talked to several people who are financed through santander consumer usa and two of them had their car in repo status paid and were never reported as a charged off loan or any other negative information other than being past due and current. This implies that they selective on who they take advantage of maybe they prefer people who are in their XXXX like me who should just go along with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I never received my  XXXX  form 1099-INT from Santander for either my checking or savings accounts that I opened on XX/XX/XXXX  and closed on  XX/XX/XXXX . I contacted them by phone in  XX/XX/XXXX  to check why I had not received the form ; the customer support agent told me that they would re-send the form to my mailing address. I have not received it yet, and at the time the agent refused to provide a digital copy, so I do n't have an alternative way to access that 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 explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Park Hill Holdings
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 is missing that should be on the report

Complaint:
On XX/XX/28 I was denied for my old milestone credit card ( which Ive made payment on in a settlement agreement ) XXXX XXXX housing property XXXX said it was listed on my credit report as a landlord tenant. The system XXXX XXXX Renewal Uses is Safe rent solutions and they provided me with a copy of the report and told me in their system it is shown as a credit card but XXXX XXXX denied me and listed as tenant/landlord. That is NOT a tenant/landlord is is a Credit Card and XXXX XXXX XXXX XXXX their system identifies it as a credit card and they dont know why XXXX XXXX put it as landlord lord tenant and they couldnt call XXXX XXXX to tell them I would have to. 

So XXXX XXXX denied me incorrectly. I called to speak to a XXXX to rectify this ( see screenshot of phone call ) and the representative told me there wasnt XXXX available.

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 2022-10-13
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted several loan modifications to Shellpoint and have been denied because we " have equity in your home '' We do not have equity. The BPOs done on the property are XXXX` drive bys '' We invited our mortgage company inside to see that the entire top floor ceilings are covered with mold due to our neighbor 's tree falling on it. They did not respond. We were recently denied again on XX/XX/XXXX, Shellpoin claimed to have mailed the denial letter on XX/XX/XXXX. but we have yet to receive it in the mail. It was finally sent via email and we see that there are many errors of the XXXX inputs. There was no option on any of the pages stating that we could appeal the denial, which we did anyway & sent to them via fax and email on XX/XX/XXXX. We sent Shellpoint requests for information on XX/XX/XXXX, no response yet. My daughter and I have been in this home for almost 40years and have enough income between us to pay a modified mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I had an auto loan with Wells Fargo Dealer Services. My payments were never applied correctly I got behind and made proper arrangements to secure the loan made the payment and the car was repossessed. I wasnt given any information to get the car back. I was never refunded for GAP insurance or the fee they tacked on. To make things worst their towing company stole valuable things that was in my car that were also sentimental from my deceased father that had recently passed during that time. I contacted Wells Fargo they sent me a cashiers check in the amounts of {$8.00} and {$27.00} those amounts are extremely wrong. Just the refund on the GAP insurance would have been more than that. I had expensive things in my trunk because I was traveling the following day prior to the repossession. I want to be compensated for everything I lost.

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 2023-02-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address 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 2023-02-22
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
THIS IS A COMPLAINT AGAINST THE BB & T BANK, BECAUSE I DID NOT RECEIVE THE CORRECT HELP WHEN I MAKE THE REQUEST VIA TELEPHONE CONTACT WHEN I MAKE THE CLAIM THAT IN MY BANK ACCOUNT I HAVE GIVEN MONEY SINCE XX/XX/XXXX DO UNTIL TODAY, EXPLAIN THAT I WAS TRAVEL AND THAT WHEN I RETURN, MY SURPRISE IS THERE WAS NO DOLLAR IN MY ACCOUNT. YOUR ANSWER IS GO TO THE BANK AND MAKE YOUR CLAIM XXXX, THAT WAY SO XXXX AND EVIL TASTE, DESCRIMINATIVE. THIS BANK HAS POLICIES THAT ARE NOT GOOD FOR ITS CUSTOMERS, AS THAT WILL SAY THAT IT CAN NOT TAKE MY CLAIM BY TELEPHONE BECAUSE IT HAS TO BE IN PERSON, THAT PASSES YOU, LACK OF RESPECT, THAT XX/XX/XXXX SAY THAT EVERYTHING IS LIE, I AM VICTIM OF ROBO AND SHE SENDS ME TO DO ALL THIS PROCEDURE? NO BANK IN THIS COUNTRY DOES THAT, EVERYONE TAKES ITS CLAIMS BY PHONE. THAT KNOWS IT IN WHAT STATE I MEET TO HAVE TO GO TO THE BANK. MY QUESTION IS TO THIS BANK? IT IS FOR YOU TO HAVE A DEPARTMENT OF FRAUD AND CLAIMS IF YOU DO NOT DO ANYTHING BY TELEPHONE ARE IT DOES NOT WORK.

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 2017-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' column it states that some unknown company named : " XXXX ; XXXX XXXX XXXX ; XXXX, MD ; XXXX ; Phone ( XXXX ) XXXX '' made an unlawful access to my " Equifax '' credit file on " XXXX/XXXX/2016 '' which is unlawfully noted on my " Equifax '' credit file. I have NOT applied for a credit card, etc. in over 3 years. This is NOT mine. I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted Equifax numerous times about a fraudulent account on my credit report. The account was 5-6 years old and not opened by me. Several Equifax supervisors stated to me that they would be able to remove the item after receiving a FTC report and a Police Report. They stated this would be removed within 48 hours. Two weeks later, I have not received a call back and the information is still on my report. I 'm frustrated because they promised to follow up with me and have not, I 've spent approximately 2-3 hours a day trying to resolve this issue for the past 2 weeks. The other credit reporting agencies have already removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX This account was paid off in full.

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 2023-02-23
Company: EQUIFAX, INC.
State: TN
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX XXXX  ACCT : XXXX XXXX BALANCE : {$190.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 2. XXXX XXXX XXXX ACCT : XXXX XXXXXXXX BALANCE : {$370.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 3. XXXX XXXX XXXX XXXX XXXX  BALANCE : {$450.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: ROC Asset Solutions, LLC
State: TX
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
This company API Recovery Solutions, XXXX are repeatedly, myself included, contacting people who have or have not taken out payday loans. They do not send debt validations as requested. Additionally, when they are trying to contact people they are also calling possible relatives they find on a people locator and telling them that they need to speak to this person because there is an issue they need cleared up regarding a financial loan. They are contacting people from years past, ex-inlaws, ex-spouses, etc. There are many complaints on them. They are scamming people out of money when this person has not taken out payday loans. PLEASE STOP THEM. I have people I knew 25 years ago trying to contact me about them calling them. www.APIRecoverySolutions.com. I do n't know where they are based out of, website does not indicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
In a letter dated XX/XX/XXXX  Flagstar Bank indicated that a loss mitigation application was complete. I did not submit the application. I have been working with my state on Homeowners Assistance Funding. At the request of the State of Texas I contacted XXXX, however at no time did i indicated to XXXX XXXX XXXX Flagstar, my intent to enter into loss, mitigation. My preference is to wait for a decision from the state before entering into loss mitigation..

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 2023-05-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XXXX of XX/XX/2023, I was paid by my job and I went to the post office to buy a money order to pay my rent and the next day in the morning on XX/XX/2023 when I woke up to get ready for work my money was gone, I got an alert that my account was declined and I hadnt used my card. There were 5 transactions, one for {$200.00}, {$100.00}, {$50.00}, {$25.00} and {$12.00}. These were XXXX XXXX transactions which I dont use or have XXXX XXXX and the names showing up on my account show XXXX XXXX and XXXX XXXX which I have no relationship with or know these people. I called my bank right away and filed a claim and waited and on XX/XX/XXXX I was told my claim was declined to contact XXXX XXXX and file a claim so I did and XXXX XXXX couldnt help me because I dont have an account with them. I want my money back its not fair that I live check bu check and I rely on every dollar to pay my rent and my bank wont do anything, this makes me emotional and sad and stressed and scared that Ill have more money stolen. I need that money back its not a lot to some people but for me its money I need for food and rent and water.

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 2022-05-05
Company: Nelnet, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 2020-04-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
CFPB Staff, Truist Bank has left my daughter  and myself in a dire situation! 

On XX/XX/XXXX I filed a dispute with Truist Bank for {$440.00} concerning a package not received from XXXX XXXX. 

Truist Bank 's staff informed me that I WOULD receive a credit within 2-5 days! 

I was repeated this information by Truist 's Phone Staff twice on Friday XX/XX/XXXX, and on Monday XX/XX/XXXX. 

Because of this guarantee from Truist Bank we budgeted our funds to pay our rent after receiving said promised credit by Trusit Bank. 


However, today XX/XX/XXXX a supervisor named XXXX at XXXX and a Supervisor named XXXX at XXXX stated this had been a lie and that NO funds will be credited for up to 130 Days! 

Truist Bank has left us unable to PAY OUR RENT in this dire situation! 

This is fraud and anti-consumer by Truist Bank and has left my daughter and myself in a dangerous situation!

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 2023-08-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act Wells Fargo Card Services account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to deposit a check from a brokerage account ( XXXX XXXX ) into a Savings account at Citizens Bank and the check was placed on a hold for 2 weeks. 3 days later I attempted to transfer funds from 2 of my Savings accounts at this bank to a Checking account and the transfer was rejected and my accounts were frozen. The customer service has been unresponsive. Meanwhile I will be unable to pay my credit card bill due to inability to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CL Holdings LLC
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 is missing that should be on the report

Complaint:
On XX/XX/28 I was denied for my XXXX XXXX credit card ( which Ive made payment on in a settlement agreement ) XXXX XXXX housing property manager said it was listed on my credit report as a landlord tenant. The system XXXX XXXX Renewal Uses is Safe rent solutions and they provided me with a copy of the report and told me in their system it is shown as a credit card but XXXX XXXX denied me and listed as tenant/landlord. That is NOT a tenant/landlord is is a Credit Card and XXXX XXXX XXXX says their system identifies it as a credit card and they dont know why XXXX XXXX put it as landlord lord tenant and they couldnt call XXXX XXXX to tell them I would have to. 

So XXXX XXXX denied me incorrectly. I called to speak to a manager to rectify this ( see screenshot of phone call ) and the representative told me there wasnt one available.

Company response to consumer: Closed with explanation