BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX Santander Bank issued me a late payment fee for my Line of Credit Account which I owed to the bank a minimum of {$3000.00} I has paid the bank in principal to pay them off after our banking relationship had been terminated in XXXX. Santander said the regular payment was due a sum of {$49.00} and on top of that late fee {$20.00} on top of that {$69.00} I paid over {$220.00} and up till XX/XX/XXXX of XXXX when it closed I demand Santander to reimburse me the {$200.00} and the {$69.00} for the late payment in XX/XX/XXXX Santander paid me a refund of XXXX cent yes XXXX cents its in their data banks.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, 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:
I am building a home and needed my credit ran for a pre-approval. They are saying Experian is the only one not showing a credit score. What is going on?

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 2022-10-29
Company: EQUIFAX, INC.
State: HI
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was working with a XXXX XXXX from XXXX. I was sending payments each month with a promise of a reinstatement of my loan. I paid over {$7000.00} to the company and my home was still foreclosed on. The bank took possession of the property XX/XX/XXXX and this company still took payments from me XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX stated they have deleted my file and he has since changed his phone number. Last week XXXX XXXX stated he not longer works for me and to stop calling him. My mortgage company did not receive any of the payments I made to XXXX XXXX. I had paid fromXX/XX/XXXXhe email we were communicating also no longer works.

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 2020-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian still has not shown me any evidence that this account is mine. They have provided no proof of address or any other information linking my SSC or info to this account. Also, it was first reported in XXXX it is now almost XXXX. I am asking again to show me documentation that has my signature, SSC or current address linking me to this extremely old account. 

Verify the " address identification number '' associated with this account and please stop telling me the company states this info to be correct and " please '' submit to me the proof that I am " humbly '' asking for you to provide. 

On the statement you keep sending there is absolutely no proof that this account belongs to me. As a XXXX vet I am trying to obtain a home and this type of incorrect info on my credit report is not helping me obtain a home.

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 2022-04-20
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I started working on my credit my few years ago and I noticed my score was really low. Due to student loans from the DeptEd. I have not attended any School to accumulate student loans. There are also XXXX  diffferent Loan Amounts associated with the account that started XX/XX/2012. The Accounts XXXX reporting are [ DeptEdNelNet, Account number : XXXX, Amounts : XXXX / XXXX / XXXX / XXXX ] [ XXXX, Account number : XXXX, Amount : XXXX ]. the inaccurate and incomplete are hurting my livelihood and causing me not to be able to get funding or Job. I request that these accounts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC Bank purchased BBVA Compass and the conversion of the bank accounts from BBVA to PNC has been a disaster. Once the conversion took place, I no longer had access to my BBVA online accounts, all my bank account numbers were switched, and I still do not have access to our BBVA bank statements prior to the conversion. Also, all my " Bill Pay '' payments scheduled to be sent by BBVA were no longer sent out by PNC. This caused payments to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove closed accounts off my credit report you have 14 days XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've payed my mortgage by phone for the year XXXX, after each payment processed through their automated system, a confirmation number is given. On XX/XX/XXXX I made my normal required mortgage payment and received my confirmation number. On XX/XX/XXXX while attempting to make my payment, I was informed that XXXXXXXX XXXX was late because they had not received XXXXXXXX XXXX payment. At this point, I requested through their automated system to speak to a live processing XXXX XXXX rep from XXXX named XXXX explained and confirmed that my XXXX payment was received on time and that all late fees had been reversed, the company admitted, it was their fault due to a new system they had implemented and all of the kinks had not been straighten out. She asked if I wanted to make my XXXX & XXXX payment on the phone with her, and was I prepared to pay for both months? I said yes, XXXX processed XXXXXXXX XXXX  payment once again, along with XXXXXXXX XXXX payment. After processing both payments, I was given a confirmation number. Fast forward to XX/XX/XXXX, I received a letter from Mr Cooper informing me that my mortgage is now XXXX XXXX past due and my loan is currently in default. This mortgage company needs to be investigated, as an XXXX XXXX XXXXXXXX XXXX I'm stressed and very confused regarding this matter, so any help your agency can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Frontline Asset Strategies, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It started with calls every day to collect a debt with a XXXX mobile. It was linked to the last 4 of my SSN and the call center could not give me any info without an account number. I have never had an account with them or any other affiliated company. The debt people keep calling every day and telling me to get in touch with the XXXX fraud department XXXX So I called the XXXX customer service line and talked to a gal who told me to go into a corporate store and show my ID and they would be able to help me. The store manager lady said there was nothing they could do and gave me a paper with an email to the " Fraud Department ''. They asked me if there was anything XXXX  mobile on my credit report and there was not on any of the 3. Before this, there was never even an inquiry from XXXX mobile on my credit report. Once I sent in the information to the fraud department all of the sudden it hit my credit report. Now I have been tied to fraudulent accounts. I have been to the XXXX mobile stores they can't do anything but give an email to a department that the call center has no clue about. The fraud department keeps sending emails wanting a police report but the police we got a hold of just gave us a number and a letter XXXX  # XXXX, the phone number for this case is XXXX. I am XXXX and have a hard time with all this computer stuff. I just got off the phone with the call center who told me the police will take care of it all. I am so confused and just want this matter resolved! I feel hopeless I worked so hard for my credit score for a company that clearly doesn't check an ID or require a card on file to mess it up. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Their investigation did not fix an error on your report

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX Charge-off {$5900.00} XXXX XXXX Repossessions {$10000.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

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 2023-01-14
Company: WELLS FARGO & COMPANY
State: AE
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:
Unauthorized credit inquiry on my credit reports

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 2022-04-20
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a {$200.00} XXXX gift card from my employer in XX/XX/XXXX, which they purchased from giftcards.com, that sat unused until I recently rediscovered it in XXXX XXXX. The expiration on the card is listed as XX/XX/XXXX, and I was therefore unable to use the card. After contacting the company, they offered to replace the gift card less a {$15.00} expiration fee. 

However, as I understand it, gift cards are not allowed to expire within 5 years of issuance, and it has not been anywhere near that long. Further, in Florida ( where both I and my employer are located ), inactivity fees can not be applied in this period either. 

When I brought this up with representatives of giftcards.com, they dismissed it as applying only to " gift cards '' and referred to this prepaid XXXX card as a " reward card '' instead. They failed to offer any practical difference between the two when prompted, and I do not believe one exists. 

So now, 4 months after expiration, I'm stuck paying to reinstate a card that should never have expired in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used XXXX to transfer money directly in my account and the account shows the balance however it wont update the availability of the balance so I can use my money, my money has already left my XXXX and already in my usaa checking account but usaa isnt giving me access to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : 08 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Discover NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE DISCOVER. 

REQUEST= MAKE XXXX XXXX TRANSUNION AND XXXX REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: IL
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 sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my report.

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 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I was charged the late fee and the interest in XXXX by Bank of America, I called them to waive that for my first-time violation, but they refused. I feel very sorry and innocent for that, because I had a very good credit record before. 

I think that The Bank of America also had responsibility for that because I used to receive the bank statement in the mail before, so I could read and remind myself to return, but I haven't received that for some times, I am not sure if BOA switched from a paper statement to electronic statement in order to save the cost. 

Normally, the bank will give people at least one chance to recovery, this is my first time of late, I don't know why they refuse to waive the charge. 

Please help me to communicate with the bank to compensate for the loss. 

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 monetary relief
Consumer complaint received 2021-05-10
Company: Duvera Billing Services, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX  because I was concerned after pulling consumer credit report and disappointed my payments not being reported to credit bureaus. " Account manager '' gave me misleading information lied about reporting my payments to credit bureau every month. I followed up with credit bureaus opened dispute because they have NOT received any reporting from XXXX  since XXXX..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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 status incorrect

Complaint:
XXXXXX/XX/XXXX XXXX XXXX should not be reporting to XX/XX/XXXX ; Experian and XX/XX/XXXXinquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached XXXX 2 ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contactedXX/XX/XXXX as well as the bureaus to have these inquires removed however, I have not been successful.

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 2023-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XXXX XXXX and XX/XX/2023 Carrington mortgage returned two principal only payment and monthly loan payments to my bank account. No explanation or reason why the loan payments have been returned. After calling the company multiple times I was told by Carrington that my bank account did not have sufficient funds in account. I would now have to go to XXXX XXXX for the next six months to make mortgage payments. After speaking with my financial intuition I was able to find out that with no notification to my self the consumer the Carrington no longer accepts EFT bill pay from any financial intuition. I also inquired as to why my principle only payments are only applied to the principle at the first of the month and was given a reason that unless someone manual process the payment the funds will not be applied to the first of each month. So for the last two years all of my principle only payments sit in limbo until the next month to apply to the principle after the interest has been applied. This company is very unnautical and I was disconnected multiple times and had to spend most of the day waiting for response from the company. I still don't even know if my mortgage has been paid this month. Even though I have paid thousands extra each month to what I though was principle.

Company response to consumer: Closed with explanation