BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Due to financial challenges over the past XXXX months, my XXXX XXXX  checking account with Wells Fargo has been overdrawn numerous times. During XX/XX/2022, I received a child support check on XX/XX/2022 for {$1400.00}. I deposited the check on XX/XX/XXXX. I received an automated email stating that the funds would be held for 10 days, as my account was consistently overdrawn over the past XXXX months. Due to the actions of Wells Fargo, I was unable to purchase food, pay bills or purchase XXXX presents for my son. It felt like my money was being held 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 2022-10-16
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I requested a refund on EdFinancial of a certain amount of money. The request was sent but I would have to wait 150 days to get it. The issue is I had a vehicle accident on XX/XX/2022 but now I have to pay the remaining hospital bills, and chiropractor bills but need the money soon sense I don't have much time left. I was given the end of this month to pay for the mean time my lawyer gets the process done sense I was the victim in the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: GA
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 maintains that a collections account with XXXX XXXX XXXX XXXX was verified as accurate. I demand to know the method of verification used to verify this account pursuant to fcra 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 2021-08-16
Company: EQUIFAX, INC.
State: CA
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:
CFPB Letter on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I also sent a letter formerly complaining about not being taken serious, and was responded with a stall letter saying I am not myself to try to give them more time to respond. they are in violation to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of now, and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Hello my name is XXXX, my husband and I have a XXXX that we financed through SANTANDER CONSUMER USA. We got this truck back in XXXX. In XXXX I became ill and had to stop working leaving all the bills on my husband. On XX/XX/XXXX the truck was repossessed. Santander gave us ten days to get it back and get it back in good standing. This past XXXX XXXX my husband and I where trying to get a house only to find out that they had charge this loan off as a bad depth after we paid to get the truck back. Since then we have nweot been able to make any major purchases because of this. The truck is still in our possession and we are still making payments. This account has been charged off for two years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to save my home by getting a loan modification so I can have payments that I can afford. Rushmore refuses to review my loan for a modification. I have sent in an appeal, and have still been denied. I have an appropriate amount of guaranteed income and I am just trying to save my home for me and my grandkids. Rushmore has told me that my income doesn't qualify but they are refusing to review my accurate information. I have yet to be able to speak with the person in charge of my file as they are always busy and will not call me back. Here is a detailed account of my interactions with Rushmore : XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on Mod, rep said that the appeal was denied as of XXXX. Said the reason for denial was that the DTI was too high. Said account DTI was 38 % and the maximum is 38 %. Requested copy of denial via fax. 

XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore to f/u on Mod, rep said that it is still in review, and there is no update. Will f/u next week. 

XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore to f/u on appeal, rep said that it is still in review. Will f/u at the end of the week. 

XX/XX/XXXX, XXXX AM NOTE [ n ] - Called Rushmore to confirm appeal was received, rep said that it was received the appeal on XX/XX/XXXX and is in review. 

XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called Rushmore to request a copy of the denial letter since we still haven't received it. Rep said she's not sure what happened since she can see my request from XXXX. She put in a new request for it to be faxed to us. Rep stated we can email XXXX with the appeal. 

XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore, mod is still pending review. Rep said there may have been a denial letter sent out since there is no new terms. Denial letter sen out XX/XX/XXXX. Income was insufficient, monthly is not enough to sustain a new payment. We can appeal the income within 14 days. 

XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called Rushmore to f/u on mod terms. Rep advised to call back tomorrow and hopefully they should be generated. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on modification, rep said that it is still in review. Said it is close to wrapping up and advised to call back on Monday. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on review, rep said that the file is in underwriting and should wrap up at the beginning of next month. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on modification, rep said it is officially in review as of XXXX and we should have decision by the first week of XXXX. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore, The account is in review and will take up to 30 days. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on RMA, rep said that the full packet has been received and has been pushed to underwriting. Will f/u in a few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After the last trouble paying these people not much has changed. I contact this company earlier this month, a representative looks up my account accepted a full payment from me and thanked me and gave me a confirmation # .the funds where payed to them from my bank. Now today my account shows the funds have been sent back to my account. This company has no intentions on working with me to pay this dept. They are a terrible run company that is preying on homeowners like myself. Any help with this Company would be appreciated.

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 2021-08-16
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mariner Finance I opened a loan account number XXXX. I was serving XXXX XXXX and still when I opened this loan. I ended up having it sent to collections. I finally got financially back on my feet and ended up sending a final payment for the full amount. Upon verbal agreement of final payment I was told my account would be removed with all negative discrepancies. After they processed my payment I was sent a letter that the account would be removed from my credit report. This is still on my account and affecting me negatively because I cant use my VA Loan because of serious negative impacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection was placed on my credit report from Radius Global Solutions with the original creditor being XXXX. - I have never opened an account with this company and have no knowledge of what this is. I believe this has been put on my credit report oe mistake or fraud. I have excellent credit and monitor it daily - This is not my account nor my debt.

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 2022-07-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-06-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 XXXX, {$290.00}, XX/XX/2020 XXXX {$100.00} I have reached out to XXXX XXXX  in reference to these accounts. These accounts are an result of identity theft which is reporting on my report inaccurate and is violating fair debt reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This company repeatedly " holds '' payments in limbo without giving consumer credit for the payments they've made, even after he company acknolwedges the receipt of the payment AND it has cleared the bank, for WEEKS. 

I have a {$5000.00} credit limit. I paid off my balance in early XXXX. Care Credit shows the payment was received by them on XX/XX/2022. The payment cleared my bank on XX/XX/2022. However, Care Credit has not given me credit for the {$1000.00} payment that cleared my bank XX/XX/2022. When I call they state that because it's a large amount, or because I made multiple payments during the billing cycle, they have to wait for it to clear my bank- it has cleared! They just refuse to give credit for it. This happens every month where it takes weeks for them to give me credit for my payments. 

I tried resolving directly with the company but the customer service reps seem unable to provide any info other than reading from a list of reasons why payments are not credited - even though there is a XXXX balance and they confirm receipt of the payment. When asking to speak to a supervisor or manager, I am transferred to a location where I am on hold for 40+ minutes without anyone ever picking up the line. 

Care Credit accepts payments from their customers, acknolwedges those payments, but repeatedly " holds '' the funds so that consumers are not able to take advantage of a XXXX balance and their full credit limit. After repeated attempts to get a supervisor on the line, I was finally able to speak with " XXXX. '' She reports that the company holds every large payment for 10 days to ensure it clears the bank. The funds have cleared. They cleared over a week ago. I believe this company is unlawfully denying consumer the benefit of their payments so that it can benefit from the funds sitting in their account while denying consumers access to the credit they've been given. In essense, holding funds in an account to accrue interest while denying customers access to their credit. 

As you can see from following attachments, as of this afternoon, XX/XX/2022, Care Credit still has not credited the payment I made on XX/XX/XXXX or XXXX, that Care Credit received on XX/XX/2022, and that cleared my bank on XX/XX/2022. 8 days after clearing my bank, I am still only given access to a credit amount less that {$1000.00} payment made 10+ days ago.

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 2022-05-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted Truist today ( XX/XX/22 ) in regards to an unknown payment of {$1700.00}, on XX/XX/22, that was showing up on my account. I had never made a payment for {$1700.00} nor was this payment reported on my XXXX XXXX bank statement. After speaking with a representative, they were not able to give me any information in regards to this payment. After sending the representative a screenshot of the payment that was showing on my Truist account, they still could not offer any information. 

I also contracted Truist in regards to a scheduled payment. On XX/XX/22, I scheduled a payment for {$1500.00} to be processed on XX/XX/22. I called to verify the scheduled payment since the website and app would not confirm the payment. In addition, I did not receive a confirmation e-mail. Although the payment was showing that it had been submitted XX/XX/22, it did not confirm that an actual schedule payment for XX/XX/22 was made. Oddly, the representative was not able to confirm that my payment was scheduled for XX/XX/22. I'm not sure how this is possible being that they have more access to my account than I do. In addition, the representative insisted I use the edit payment option in my portal ; at which time I noticed I no longer had access to this option. I may add, this same scenario happened last month, thus my current complaint to CFPB. It is odd that Truist is unable to resolve these minor customer issues which can ultimately cause financial hardship if they are not able to offer their customers the appropriate level of service in regards to fraudulent activity and misappropriated payments.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: WI
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:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX and Experian are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number xxxx - XXXX. This includes late payment ( s ) 60 days from XX/XX/2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, Experian and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, XXXX and Experian have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2023-05-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was approved for the car loan through the dealership and later called back to amend paperwork which gave me a higher payment.

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 2023-06-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was managing my XXXXXXXX XXXX account. I signed in on XX/XX/23 to realize several unauthorized XXXX XXXX  card transactions. I called and reported it as soon as I realized it and filed a claim. I know someone on the fraud team who was able to review the atm footage and showed me the image of the person who stole from the account. It was my XXXX at the time. I immediately called the police and XXXX XXXX  charges. XXXX XXXX the XXXX card from my wallet and replaced it with an XXXX  card of someone else so I wouldnt know it was missing. The bank denied my claim. I called and explained the situation and the rep refiled the claim as I work for the bank and another friend looked up the claim and advised me the first one was entered wrong. I have proof in form of texts and video that show my now XXXX admitting to stealing the money without my knowledge. The bank again without reaching out to me, denied my claim. I am working with the detective who has told me she sent the bank a subpoena for the atm footage for all the ATMs he went to. The detective is working with a XXXX  XXXX for the bank who first claimed couldnt find the account even though account number, titling, and my own name was provided, now they have found the account but are still delaying handing over the footage for some reason even after they told the detective they found the account. It is now XXXX, 3 months after I reported it and the bank still has not handed the footage to the detective so that an arrest warrant can be issued. The bank does not seem to care that this is a XXXX XXXX  situation and doesnt seem to be putting effort to stop the financial abuse I was put thru. I am working with an investigative reporter who will be doing a story on this for XXXX and all details will be made public, including how citizens refuses to help. My XXXX  also opened up phones fraudulently in my name and another credit card with a different bank that those companies were able to resolve for me. Citizens is the only bank not willing to help resolve a financial abuse situation and is doing all means to not hand over the footage to the police. They instead closed the account and never credited me for the fraud. I will be speaking with a lawyer regarding the treatment by the bank.

Company response to consumer: Closed with explanation