BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: SANTANDER HOLDINGS USA, INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've already filed a complaint about erroneus amounts that this company has taken for interest. Last months payment they took the full {$900.00} I paid for interest. My rate is already incredibly high at 18.13 % I make multiple payments a month and before the payment is due. Even if I didn't pay the XXXX until the due date. The daily interest would have been {$19.00} per day, times that by 30 days in a month, the interest for the whole month should have only been around {$570.00}. I contacted them multiple times before filing complaint and still have not been contacted, and just being told accounting is aware and " looking in to it ''. 
I at least do biweekly payments. I just paid {$450.00} of my {$890.00} payment due on XX/XX/18. It's only been 10 days since my last payment of {$450.00}, ( which, as I already they applied that and 2 other payments, totalling {$900.00} for interest ) {$290.00} was taken for interest. Since they kept my whole monthly payment last month my total principle was still XXXX. So where did they come up with that number it would still have been a daily interest of {$19.00} 10 days since last payment. Would only be {$190.00}. I have know clue how they come up with the numbers they do, and they don't even contact back to offer some type of explanation. I contacted them again on the XXXX and told them I've already filed one complaint and that I will be contacting a lawyer if I did not hear from them. Its been over a month since I initially contacted them about the previous situation! Still nothing not even a reply besides the automated email saying they recieved my complaint message. I'm a single mom with a mortgage and other bills, i have XXXX jobs and work XXXX a week to cover them. I'm pretty decent with math and the only payments that are correct if you break down the calculations where the first 2. It's very frustrating feeling that my hard earned money is just being taken and not understanding where it is going. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Sir/Madam, I am writing to you to file a complaint about false information being reported on my credit report. As a responsible borrower, I am very concerned about the accuracy of my credit report and the impact it can have on my financial well-being. 

Upon reviewing my credit report, I have noticed that there are many items that are inaccurate and do not reflect my true credit history. These inaccuracies include late payments, delinquent and inquiries that wasnt approved or authorized by me, or accounts that do not belong to me I have attempted to dispute these inaccuracies with the creditors directly, but have not been successful in having them corrected or removed from my credit report. I believe that these errors are damaging my credit score and ability to obtain credit. 

I request that you investigate these inaccuracies and correct them as soon as possible. I also request that you inform me in writing of the results of your investigation and the actions taken to correct the errors. Due to law 15 usc 1681 You are required to do what I am asking regarding these inaccurate reports and transactions within 3-5 days of receipts .I am looking forward your respond Thank you for your attention to this matter. 

Sincerely, [ 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 2020-07-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr cooper is not accepting any calls to service loan. I have called their service number XXXX over 10 times to talk to a live person at XXXX XXXX east coast pressing every number to get though and the company says to call the number I just called XXXX. All I need is to talk to client relations to fix my payment and i have tried every way even calling though their mortgage dept. XXXX. Can you help me talk to Mr Cooper?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is inaccurately reporting my credit score data. They are essentially throttling my score ( dropping over XXXX points ) in order to lower my credibility and ability to get a mortgage. My revolving debt has not increased past the 50 % mark, and I fully pay off my credit card every month. I am a veteran and a student and so I sometimes have to use my credit card. I have also paid off my car lease and other loans last year. They are claiming that I have to have an age length of 25 years to be credit worthy. Excuse me, but before I started using Experian my score was just fine. 

Also, my fellow comrades can vouch as they already have mortgages themselves using the VA Loan program. With my payment history I should be at least XXXX right now. I'm not sure who is behind this, but they are trying to slow me down big time. There's no way my score should be dropping that low within a span of 15 days, keep in mind this is 30 % utilization. It is a spike, but the drop should be miniscule, they are trying to ruin me. 


Living in XXXX is already hard, now imagine after all my hard work and learning that I can't get a mortgage once I start working because of a system put in place to slow down " certain '' users. I repeat again, I have many fellow veterans that have taken out a mortgage. Everyone 's financial situation is different, but my point is this is overkill. I'm not going to pay rent for the rest of my life sorry not sorry, especially after serving my country.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX  - LAST XXXX SS # XXXX XXXX XXXX - LAST XXXX SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Sir/Madam, I am writing to you to file a complaint about false information being reported on my credit report. As a responsible borrower, I am very concerned about the accuracy of my credit report and the impact it can have on my financial well-being. 

Upon reviewing my credit report, I have noticed that there are many items that are inaccurate and do not reflect my true credit history. These inaccuracies include late payments, delinquent and inquiries that wasnt approved or authorized by me, or accounts that do not belong to me I have attempted to dispute these inaccuracies with the creditors directly, but have not been successful in having them corrected or removed from my credit report. I believe that these errors are damaging my credit score and ability to obtain credit. 

I request that you investigate these inaccuracies and correct them as soon as possible. I also request that you inform me in writing of the results of your investigation and the actions taken to correct the errors. Due to law 15 usc 1681 You are required to do what I am asking regarding these inaccurate reports and transactions within 3-5 days of receipts .I am looking forward your respond Thank you for your attention to this matter. 

Sincerely, [ 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 2023-08-27
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYST Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
It is absolutely frustrating and painful that after two and a half years of constant request of a work out plan, I get no resolution to benefit my family.

Just to familiarize you with my hardship : I am a single parent with XXXX children. It all began when in XXXX I requested a work out plan from Shell point.

I had lost my business after losing two major contracts and due to a fall disable for several months. This has been a horrific experience.

I immediately reach out to Shell Point servicing and explained my situation. It was then that I was told to prepare loan modification package and explain my hardship. I have provided over six packages to Shell point services and XXXX and XXXX attorneys for Shell point. I attended all settlement conferences in court. On XX/XX/XXXX at my conference appearance Shell point requested I provide a P & L. On XX/XX/XXXX I was advice of another conference scheduled for XX/XX/XXXX. 
All documents then were submitted. 
On XX/XX/XXXX I called XXXX XXXX XXXX 's office and confirmed documents were received.. 
It was on XX/XX/XXXX that I found out that Mr. XXXX XXXX was my point of contact .. Mr .XXXX was contacted again on XX/XX/XXXX requested the same documents. This went on and on. I have evidence that and feel that I was given the run around. I FEEL THEY NEVER ACTED IN GOOD FAITH. I HAVE NOW OBTAIN AN ATTORNEY IMMEDIATELY AFTER FOUND OUT MY HOME WS SOLD TO TH E BANK .I WAS IN THE MIDDLE OF A LOAN MODIFICATION PROVIDING UP DATED PAPER WORK, I AM PLEADING THAT THEY ALLOW ME TO KEEP MY HOME. I WANT MY HOME BACK PLEASE. I AM CONFIDENT that I am able to afford my home now. 
My monthly average income is {$50000.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I stopped by XXXX in XXXX of XX/XX/2023 and purchases a shirt with a XXXX $ amount, the cashier person was too insist to issuing me a credit card with no annual fees, I did reject XXXX times by that time he request my ID to see if I am eligible for the credit when I knew that the Id is for this process I request my ID back and refused of any kind for such activity, after that date I start receiving a " pre-approval '' mails to my mailbox every XXXX week and when I open the mail it says " you have pre approved for the credit card and register now if you want and if you don't just ignore this mail you have till XXXX XXXX '' which I did reject the mail and not signed up or didn't do any actions. At the end of XX/XX/XXXX I received a notification that I am using all the credit on the card, I was shocked I did reach out to my bank to the police department stations near me and I did explain everything and the card issuer stooped the card. The issuing company for the card told me that the thief purchases with XXXX $ was buying a furniture! 

How can I received a credit card I didn't request and how can someone received the card on my behalf and open the mail.? 
I did not receive the card and I did not receive any notifications or email or anything! 

How can someone use a credit card under my name and verify it and use it! 

The company called the furniture shop that the thief purchase from and they did reply '' we don't use any CCTV ''.!!! 

How can Marshals group hire some cashier that is not capable of and provide a false information and lied to the customer. 

Fortunately I have my receipt with XXXX $ and the paper from the cashier that she did signed it with her hands and she was asking me for a good survey and her name also.

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 2022-11-11
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My complaint is in regards to my Discover credit card. Ive had this Discover credit card account since 1988, but have not used it in many years. Earlier this year I received a bill for $???. I looked at the charges and they are ALL fraudulent. I disputed the charges with Discover and asked them to close the account. They took some of the charges off my bill but then opened up a new account without my permission and transferred some {$400.00} in charges to the new account, and insist that the remaining balance is valid. 
They are charging me interest and late fees on it. I refuse to pay for someone elses purchases, and therefore need your assistance in resolving this matter. 
I can not communicate on the phone because of a XXXX, which makes handling such matters so much more difficult. 
Please help me resolve this because Discover refuses to acknowledge my complaint and wants to take the easy way out by making me pay for something I did not charge on this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The XXXX is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Provide documentation that the XXXX has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}

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 2022-11-11
Company: EQUIFAX, INC.
State: ME
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:
New complaint. Equifax refuses to remove the XXXXXXXX XXXX account. And also the XXXX - XXXX XXXX account from my credit report. They are both beyond the 7 years rule of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-07-11
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2019. Comenity Bank Called me 7 times on an unknown number leaving a automated voicemail. I am working with an attorney for bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Upgrade, 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: Account status incorrect

Complaint:
On XX/XX/2020 I XXXX XXXX called Upgrade, Inc. to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me 30 days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
XXXX XXXX

Company response to consumer: Closed with explanation