BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX  I contacted Santander via telephone to let them know that I could not make the full loan payment and I asked them to turn off the auto pay function and remove my bank account information. They refused to make any agreement with me to pay less than the full payment amount and gave me a phone number for collections. At that time the laon was current. They told me that they turned off the auto pay function and removed my bank account information. I called the collection company and they told me that they could not help because the loan was current. 

On XXXX  I logged into my Santander account and tried to make a partial payment and I added my personal bank account information back in. The website would not allow me to make a payment at that time as it stated it had to verify my personal checking account. On XXXX  I checked my personal bank account and Santander had auto debited my account for the {$480.00}. This was without my permission. I called Santander and they apologized but told me that there was nothing I could do. I know that what they did is a violation. I went to my personal Bank and they filed a dispute and got the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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 status incorrect

Complaint:
I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as XXXX XXXX stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in XXXX I live in XXXX. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for XXXX, trans union and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting 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:
I XXXX XXXX, have noticed unauthorized transactions listed on my consumer report. I would like to have these inquires removed because they are inaccurate reporting and are affecting me and my personal reputation. Here are a list of companies and dates of unauthorized hard inquiries that are on my consumer report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/19 I made what was deemed a purchase to an online company called XXXX XXXX XXXX, XXXX XXXX   XXXX with my XXXX XXXX XXXX Mastercard for XXXX. On the website it stated a XXXX fee was to be charged. 
As I do very month when my statement was posted online I paid my balance in full. I later saw that interest and a XXXX were being charged on my account as well. I called Barclay 's bank and was told that was due to my cash advance with XXXX XXXX. I told them I didn't authorize a cash advance, was never informed that this charge was one and hadn't done so in 35 years. 
I told Barclays I wished to dispute this charge, I was put on hold during which time I attempted to contact the merchant several times to no avail. A simple XXXX search listed numerous complaints of predatory practices against this company. 
When the customer rep returned they stated to contact the merchant and they wouldn't be disputing the charge and I should refer to the terms of my credit card user agreement. After speaking to several barclay reps I'm still getting charged interest thus far of XXXX, despite paying my balance off again in full again and paying extra on my card. When Ive called Barclay 's several times each customer rep also continues to gives me different information of how to pay off the unauthorized cash advance balance.

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 2021-01-14
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originally handled with XXXX XXXX XXXX with the first payment due by us on XX/XX/XXXX XX/XX/XXXX Payment for {$2700.00} using XXXX account number XX/XX/XXXX I received an AmeriHome statement that they had not received payment. I immediately realized that I needed to use the AmeriHome account # and that my bank had returned my XX/XX/XXXX payment XX/XX/XXXX I sent 2 payments for {$2700.00} each for XXXX and XXXX. I also called AmeriHome ( XXXX # XXXX ) to let them know of the situation. She told me to wait until the end of the week to see if the payments posted. 
XX/XX/XXXX Both payments cleared XXXX ( proof of payment from XXXX attached ) XX/XX/XXXX Payments still not posted on my AmeriHome account. Was told to send proof to XXXX. I did and received an email back that I would need to communicate via their secure website. ( Both emails are attached ) XX/XX/XXXX Sent proof through their secure website as instructed which was confirmed by them on XX/XX/XXXX ( Communications are attached ) XX/XX/XXXX @ XXXX called AmeriHome and spoke to XXXX she transferred me to finance to check the encrypted communications and gave me their number XXXX in case we were disconnected. Spoke to XXXX who confirmed receipt of my correspondence. We confirmed the proper account number was noted. She did not see the payments posted. We discussed me calling XXXX to again confirm and verify payments. The call was dropped and I did not have time to call at that time. 
XX/XX/XXXX I called XXXX XXXX spoke to XXXX who confirmed that payments had cleared. She explained that meant it was in AmeriHomes system now. We confirmed account numbers. She also offered to set up a direct call with AmeriHome. 
XX/XX/XXXX called AmeriHome XXXX Spoke to XXXX ref # XXXX. He stated that they had not received any payments from us and that there was no communications from us and that our mortgage was in default. I asked for his supervisor after waiting another 30 minutes he told me that no one was available. He also reiterated that they had no correspondence from me. I asked him to look back at my call from XXXX on the XXXX and he said she had wrote the same thing. I told him I was looking at the confirmation on his website and he just repeated they had nothing from us. 
XX/XX/XXXX Called XXXX XXXX spoke to XXXX case # XXXX. She respectfully listened made notes and gave me suggestions on how to proceed and that they

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: NCC Business Services, 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 information incorrect

Complaint:
I rented an apartment with XXXX  on XXXX in XXXX XXXX XXXX, TX. At the time I think it was managed by XXXX. My lease was to end in XX/XX/XXXX. Around XX/XX/XXXX I was late on my rent and notified the office. They agreed to the arrangement. When I went into the office to pay on the assigned day the office notified me that they would not bring accepting my payment so an eviction was filed. We went to court around XX/XX/XXXX and everything was explained to the judge but to no avail the judge sided with the landlord. I was evicted. My problem is after move out the 3rd party collection agency is reporting that I owed the landlord XXXX which is impossible. This apartment complex is a total ripoff which have been through 3 or more management agencies in the last 3 years. They prey on ruining tenants rental history. The 3rd party collection company is NCC BUSINESS SERVICES. I am requesting that both companies be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: LA
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 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 purpose.

15 usc 1681 complete and accurate information Creditor reports that account is past due XXXX by two payment and its not the balance reflects XXXX when its XXXX also attach the account information I see upon my account with the 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 2023-07-05
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Despite sending in Form 50-285 Lessees Affidavit Motor Vehicle Use Other Than Production of Income, which Honda admitted they did not process timely, Honda charged me property taxes on my vehicle in violation of Texas State Law. 

Under Texas State Law, anyone to be charged property tax, MUST : - be notified of the amount of tax to be charged and the appraisal value of the property ; - be given the opportunity to protest the taxes ; - be given to appeal an unsuccessful protest. 

Honda did not do any of the above. Additionally, I did not waive those rights in my lease agreement with Honda. This is a clear violation of Texas State Law. Honda can not charge me property taxes because of this.

Honda was informed on this on a recorded phone line multiple times and by letter sent be certified mail. Despite my many attempts to resolve this, Honda continues to operate in bad faith and sent a debt collection agency to collect the debt. The debt collection agency consequently violated the FCRA twice.

This must stop. Honda must immediately cease collection of this debt unless they can provide clear proof that I waived my rights to be notified/protest/appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MI
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:
I have filed numerous disputes with Experian. Every time Ive called or checked on their website about a dispute, Im always told that the creditor says the information they reported is accurate. That tells me Experian didnt investigate at all. A creditor is suppose to provide documentation to verify their claim and usually the consumer gets something in writing in regards to the dispute. Ive disputed the same items with XXXX and XXXX and the creditors take action. Ive asked a few creditors why didnt they update my Experian report and was told they never received any kind of dispute from Experian. Experian is in clear violation of FCRA by not making my creditors verify the debt, check payment history for accuracy and actual debt owed

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 2021-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I never gave Portfolio Recovery Associates ( PRA ) my personal and private information. It is apparent that they purchased an alleged debt from XXXX XXXX ( based on the derogatory information listed on my credit report ). While XXXX is permitted to purchase debts from an alleged creditor, they are not permitted, without the permission of the consumer, to purchase the consumer 's personal information, including but not limited to, the consumer 's social security number and other personal and private information. Not only did PRA violate my right to privacy but they also violated 15 USC 1692d - Harassment or abuse. Additionally, being that I never had a contract with PRA and never gave them permission to communicate with me, they violated 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt There are several other violations that PRA is guilty of, including but not limited to 15 USC 1692f - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX OF XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

XXXX Account # : XXXX. 

15 U.S.C 1681 section 602 A. States 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 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 in
accurate.

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 2023-05-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Navy Federal Credit Union unilaterally imposed impound account for property taxes in violation of mortgage agreement. 
Tax analyst at NFCU told me that the issue was resolved in my favor. 

NFCU sent Notice of default, and reported to credit reporting agencies, dropping my credit score from XXXX to XXXX. 

Communicate with NFCU for 4 months has failed to find resolution. All principal and interest payments are current. 

I suspect this a fraudulent attempt by NFCU to escape this loan because it was originated at 2.3 % Request intervention asap by CFPB XXXX. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint against XXXX, XXXX, & EXPERIAN, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, XXXX, AND EXPERIAN, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, XXXX, AND EXPERIAN I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, anxiety, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, including credit reports, correspondence with, and evidence of the impact on my family 's mental health. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.

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: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In the beginning of XXXX up until now I was charged XXXX overdraft fees I went into the bank I told them I was unable to get into my online app it kept saying wrong password the update was supposed to happen through XXXXXXXX XXXX I couldn't update because I still couldn't get into it and for the whole month every time I deposit an a check there was a overdraft on every single item I would buy and everything I would deposit would go right to the other overdrafts so it was XXXX overdrafts totaling XXXX it took Comerica Bank 4 days in order for the worker there to get the go ahead from his supervisor and they only took off four overdrafts that they believe was their fault so I'm in the process of closing the account

Company response to consumer: Closed with monetary relief