BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received my most recent statement from Chrysler Capital Friday XXXX XXXX. I made a payment using bill payer from my bank, which I use for all my payments with Chrysler Capital. Reviewing the statement I had questions about the balance on my loan. 

I contacted Chrysler Capital and discussed the issue with their rep. I confirmed that the original loan was for {XXXX}. I asked the rep to confirm how payments I had made. At one point it was XXXX, another then XXXX, and then XXXX. He had no idea which number was correct. Reviewing the statement it stated I had made XXXX payments of {XXXX} each. He confirmed the amounts of the payments. I asked why if I had made XXXX {$XXXX} payments why my payoff showed a total of {XXXX}. I asked why it was that high since XXXX X XXXX is {XXXX}. Subtracting the {XXXX} from {$XXXX} leaves a balance of {XXXX}. Why was the payoff {XXXX} more on the statement? 

He checked various records but could not come up with any explanation and promised to have someone or hi boss call me before the end of the day. No one called. 

I have no confidence that Chrysler Capital has any idea of what is going on with my account and do not trust them. Why ca n't they find records that can explain what happened to my payments and the discrepancy between my calculations of what the payoff balance should based on their record on my statement reporting I had made XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: FinCo Services Inc DBA Current
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I noticed money transfers on my acct i received to phone calls from someone stating my acct was red flagged which i believe was the person doing the fraud well they hacked my bank acct and fradulenty sent XXXX in a money transfer to a XXXX XXXX but made it look as I sent it i received emails stating my acct was accessed from a XXXX XXXX which i do not own nor to i know any one in XXXX florida whome which i pay rent to upon contacted my bank Current bank in which i was unsuccessful in my dispute they claimed they were able to recover XXXX from this acct and wanted to offer a courtesy XXXX which is wrong i work hard for my money im a widowed mother of XXXX on a fixed income i have given all supporting documents and there is no resolution to my issue please help me get what is mine. Also so this does not happen to another innocent person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
State: MO
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:
My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.

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 2019-04-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Saturday, XX/XX/XXXX I received notification via mail from " PayPal Credit/Synchrony Bank c/o XXXX XXXX XXXX, XXXX '' of changes to my account terms. 
I am a regular Pay Pal user but have never had any credit account with Pay Pal. I called to inquire about this notice and was informed I had an open Pay Pal Credit account with a {$15000.00} ( XXXX XXXX ) credit limit that was opened on XX/XX/XXXX. This " virtual '' ( their description ) account has standard credit account fees including late payment, APR 's, cash advances, etc., and as of the date on the notice ( XX/XX/XXXX ) is managed by Synchrony Bank. It also should be noted while this account has been open since XX/XX/XXXX, this is the first communication I have ever received. 
I immediately had the account closed and subsequently has a conversation with " XXXX '' in customer service at Pay Pal Credit about how an account was opened in my name without my authorization. She informed my Pay Pal had all the necessary information including my SSN to open a line of credit but they do not keep records of signature authorization as they are a " virtual company ''. XXXX also informed me concerns about the potential impact this could have on my overall credit rating was null as Pay Pal does not report to the credit bureaus. While that may be true, Synchrony Bank services Pay Pal Credit accounts and they do. 
I initiated a fraud investigation with Pay Pal Credit over my concerns Pay Pal is opening lines of credit for their users without proper authorization. ( Of note, my mother-in-law received the same notice via e-mail about her Pay Pal Credit account which she never opened. She is in her XXXX 's and wouldn't even know how to do this. ) I did not authorize Pay Pal Credit to discuss my account with law enforcement without my participation in the conversation.

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 2021-12-20
Company: Recovco Mortgage Management, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been under contract to purchase since XX/XX/21. The Lender, Sprout Mortgage, has delayed the transaction multiple times. After receiving the contract, the loan was never disclosed. I have never received a Loan Estimate. It took weeks for the initial appraisal to be ordered. Now I have been charged for 4 different appraisals, none of which have been completed. I still have not received an actual appraisal report. Now they want to charge for a 5th appraisal, having only refunded 2 of the previous 4 charges. I have asked repeatedly for management to reach out to me and have not received a single follow up. I have emailed their info desk, asked my LO, as well as the account executive for managerial follow up and nothing. I have lost out on my earnest money, {$1000.00}, and am still waiting for the 2nd ( {$1200.00} ) and 3rd ( {$760.00} ) appraisal fees to be refunded. Sometimes the LO, XXXX XXXX, and processor, XXXX XXXX, will go days without replying to me. This really has been the worst mortgage experience ever. I hope no one ever has to be played with and defrauded like I have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX {$110.00} to XXXX XX/XX/XXXX {$120.00} to XXXX XXXX refuses to give me my money back for these transaction that were fraudelant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Reason : Identity theft Please remove it from my Credit Report. 


Account Name : NAVY FCU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Reason : Identity theft Please remove it from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately.  They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called to ask for pay for delete letter for the $XXXX debt that I had with Portfolio Recovery before I paid it. They said that they couldn't send one before but when they got the payment in full, that they would delete the account from all credit reporting agencies within 30 to 45 days. When I called about a month after it as paid the rep told me they couldn't delete and that they would send me a paid in full letter. They claim the calls are monitored and recorded, so I would like for them to go over my conversation with the rep who told me the account would be deleted from all credit reporting agencies and delete this account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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:
My name isXXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
My name isXXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-10-03
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt from this company is 4 years old which was previously taken care of back in XX/XX/XXXX with my insurance, and now they've decided to place it on my credit in XX/XX/XXXX, which was outdated and never reported within the time frame of 60 days after the debt occurred. In fact according to the FDCPA is too old to collect on, being that interest is added to an old debt that should have been reported back in XX/XX/XXXX not 4 years later. I called and spoke with a rude representative who threatened that this would continue report to my credit even after I advised that this matter is incorrect. I am in the process of buying a home and this is hindering me from moving forward and it's causing emotional and physical stress. I am in the process of filing a lawsuit if we can't get this matter resolved correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: OK
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 Credit Reporting Agency permanent deletion of XXXX XXXX XXXX account number XXXX. 

XXXX XXXX XXXX Deletion previously placed in Experian credit file Deletion date : XXXX XX/XX/2019 Experian Report Number : XXXX XXXX XXXX XXXX XXXX Experian has not permanently deleted said account. 

Experian has not updated my credit score to reflect said deletion of XXXX XXXX XXXX closed/written off/disputed account.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX {XXXX} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.

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 2020-12-22
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Some collection agency named IQ Data International is reporting that I have a {$5400.00} collection account on my credit report for some kind of debt in the past. You can hardly get in contact with this collection agency, but when I have, I have expressed my doubt that I have any outstanding debts of that size. Therefore, I have repeatedly requested that IQ Data International send me a complete breakdown of the {$5400.00} they claim I owe from the creditor that they represent, along with an itemized detail of the charges that constitute the supposed {$5400.00} debt. But unfortunately, my requests for information to verify this debt have gone ignored for months. This collection agency refuses to verify this debt, but continues to report it on my credit report despite my objections. This puts this collection agency in direct defiance of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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:
XXXX XXXX  had a representative from the SECURITY DEPARTMENT contact me. She called from the number, ( XXXX ) XXXX. She asked me to verify my identity, I gave her the last 4 of my social and address I have lived at for the past 20 years. She responded by saying, that is not the address I have for these accounts. I then told her she probably has the fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. She stated, correct. I explained that she had a fraudulent address that was outlined in my police report and FTC report. She then told me that the XXXX XXXX address was mine and a valid HOME address. I told the lady she was incorrect. I said I had gone to the actual address to see what it was and it was a store called The Mail 's Inn, filled with nothing but po box es. She told me that was incorrect and the XXXX Bank accounts with my name were valid. I then explained to the woman from XXXX XXXX XXXX XXXX DEPARTMENT that it was impossible for me to have opened and used said XXXX Bank accounts, as my personal information had been compromised for over XXXX years and there were several accounts and loans opened in my name that were fraudulent. I asked her to produce information that shows ME, the person working in the XXXX, as the same person in the XXXX using these accounts. She could not provide any proof. She then said she didn't know I worked in Entertainment in the XXXX. I asked her to not contact me again and to remove my name from these XXXX Bank accounts because of identity theft and fraud. It escalated into a screaming match where I hung up the phone. I ask for your help to have XXXX Bank remove my name from these fraudulent accounts and NEVER contact me or make idle threats towards me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an alert from XXXX that my credit score dropped XXXX points, from XXXX to XXXX, when I looked at my report I find that XXXX has reported the wrong balance to XXXX, they reported {$1300.00} when in fact my current balance on XXXX was {$370.00}, this increased my credit utilization by 5 % and thus lowered my score. When I called customer service they claim that Goldman/Marcus is not yet reporting anything to the credit agencies but my report clearly shows its Goldman and XXXX is marked paid on XXXX which is accurate. 

GOLDMAN SACHS AND CO Exceptional payment history {$1300.00} Balance updated XXXX XXXX, XXXX  > looks like they reported the wrong year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi bank are a bunch of crooks! They stole approximately XXXX $ rollers and will not return it. They said there was fraud on my account. There was bo fraud. They said they would return my money in 60 days but these poss have not returned a XXXX of my hard earned money. I got a direct deposit from my job so how the XXXX can you XXXX not see I am the rightful owner of that money. I hope your bank goes out of business you low down 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 2022-04-07
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 60 days later has not been rectified. I feel like I am being take advantage of at this point being the original creditor and my disputes not being recognized by consumer laws. Section 611 ( a ), it is plainly stated that a failure to investigate these items within thirty days so they should be deleted promptly. I demand the referenced accounts be deleted from my consumer report immediately or I will file for litigation due to the stress that has been caused. My information has also been impacted by the major credit bureaus and may have gotten into the hands of the wrong person. 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 explanation
Consumer complaint received 2017-09-13
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2015 {$180.00} Currently disputing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Financial Credit Network has purchase fraudulent identity theft accounts which were previously closed, re-opened the accounts and is trying to collect off of them.COLLECTIONSFin Cr NetwkOpened XX/XX/XXXX-$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation