BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The vehicle in question with this lien holder was involved in a hit and run accident by a stolen dump truck ( see linkXXXX XXXX XXXX ). My insurance company investigated and screwed around for almost 4 months ( 3.2 months ). The claim was settled with XXXX XXXX on XX/XX/2019 - they have screwed around and didn't issue payment for the vehicle until yesterday XX/XX/2019 - Santander whom I called a half a dozen times prior to this, even made a {$50.00} good will payment so SOMETHING had been paid, ( which they never reported or credited ) and charged off the account on XX/XX/2019 when they clearly KNEW it had been a total loss in early XXXX! They also kept me from making payments online via debit/credit for months and when I would call and try and make a payment just so SOMETHING would be paid, they kept giving me the runaround of " dept is closed '' and they won't be open until XXXX tomorrow nonsense. 


So when I see the account is charged off on my credit report NOW they tell me that if i would've made payments they would've reimbursed me? something I've never heard of, why would they reimburse me when I would still have to file a claim with the GAP coverage to cover the balance of the loan. 

I call XXXX, I have attached, not only the statement from the bank I made the {$50.00} payment from but also the entire phone conversation with them stating everything that they said plus they said I should've been told that the first time I called and nobody would inform me of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my 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 2022-10-05
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: R & B Corporation of Virginia
State: VA
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:
They contacted me and identified the debt amounting to {$1700.00} and I never received information to verify and validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: OH
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX Report with no problem. When accessing the XXXX/Equifax systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my car broken into. Wallet and phone was stolen. I was stranded and team of con men went to work. Drained the accounts of all the cards in my wallet. Credit card fraud claim was process and everything was fixed. Debit card fraud claim of {$2600.00} has been denied multiple times and Ive probably spent 25 man hours trying to get it resolved. Bank of America call center and no dedicated support is a complete nightmare. No access to fraud investigation team. Ive reopened new accounts at the same bank and have repeated my story about 50 times after submitting a police report and taking all necessary steps. Not sure why this is such a big deal when all 4 of my accounts ( credit card, savings, debit and business debit from another bank ) at the same bank were fraudulently used with identity theft within 3 hours of each other. Bank of America is not treating a 15 year customer how they should be treated.

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 2018-12-24
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is not mine. Do not have a paypal account. I want all communication to stop. Immediately.

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 2019-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My EQUIFAX report contains inquires and collections that I do not recall originating nor do I possess document copies having my signature authorization ( s ) the same that's on my Texas Diver License # XXXX. 

Demand is made for verification or deletion of the following data : INQUIRES Report Date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX ( ID ) XXXX XXXX XXXX ( ID ), XXXX XXXX XXXX # XXXX ATTN, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX COLLECTIONS Report Date : XX/XX/XXXX Date Reported XXXX, XXXX Collection Agency XXXX XXXX XXXX   XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$310.00} Amount {$93.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: National Commercial Services, Inc
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband and I did a short sale on a property over 3 years ago. I received a call from the debt collection company some months after that I owed for pmi on the loan. The company is National Comm Services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. After numerous phone calls to have documentation sent to my home address every time I call they give me the address they say they have on file which is the realtor company that handled the sale. I have NEVER received any documentation on the amount owed, what I have paid nor who they are collecting for. I just called again today and still wrong address and they say the same thing- we will update. I also asked for the name of the company in which they are collecting and I was told pmi insurance. No phone address or information provided. I feel as though my money is going into a black hole.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Loan is with Carrington Mortgage. # XXXX. 
I have owned my home for XXXX years, since XX/XX/XXXX. When it got sold to XXXX I have had nothing but horrible service. I got behind a couple months on my mortgage due to starting a new job, and going thru a divorce. My mortgage used to be : {$760.00}. 
I paid XXXX XX/XX/XXXX, not a full payment on XX/XX/XXXX ( I paid XXXX ), On XX/XX/XXXX, I paid XXXX, on XX/XX/XXXX, I paid XXXX, on On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid TWO payments of XXXX to 'get caught up ' and on XX/XX/XXXX I paid XXXX for XXXX thinking THAT CATCHES ME UP. Nope it still didn't. Oh and by the way, they raised me to XXXX from XXXX stating that it was because I needed a bigger escrow cushion due to me being late before. I paid XXXX on XX/XX/XXXX, and paid ONLINE for XXXX of {$920.00} ( to include a late fee ) and they said I 'was one number off on my acct number so they never took it ) that is not true because I don't even enter my acct. number each time I pay, its SAVED!! I didn't know the bank didn't take it either until I went to pay XXXX XXXX for XXXX and find out I am now 2 mths behind and they tell me I have incurrec {$400.00} in late fees!! This is so fraudulent on so many levels. I also got a letter from them yesterday called " intent to foreclosure. ' saying they will only take XXXX and nothing less and it has to be paid in 30 days from the date of the letter or they are taking my home. Which I know has been their intent since they bought my mortgage. XXXX of the XXXX is late fees ... I should be able to pay my XXXX but they are not allowing me to. I am beyond upset. I have about 2 mths left until my divorce is final and this is all so stressful. I can't lose my house over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Navient who was my loan XXXX. I asked Navient to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the Navient customer service rep that everything was correct. It wasn't until XX/XX/XXXX that I learned through a co-worker that my student loans had to be transferred to XXXX XXXXXXXX XXXX. I contacted XXXX XXXXXXXX in XX/XX/XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. XX/XX/XXXX I learned that I was in fact under the wrong repayment plan and none of my payments counted toward the 10 year PSLF program which meant that I made 4+ years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by XXXX XXXX XXXX and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: SYNCHRONY FINANCIAL
State: NY
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 requested a validation of the debt from collection agency XXXX XXXX XXXX, XXXX. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g. XXXX XXXX XXXX, XXXX failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with XXXX XXXX XXXX, XXXX. The collection agency is in violation of the Fair Debt Collection Practices Act.

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 2021-05-08
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
They contacted me and identified the debt amounting to {$1100.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I logged onto my account XX/XX/XXXX and notice that my credit limit has been reduced by {$5000.00} from {$15000.00} to {$10000.00}. I called 5/3 bank the same day that I noticed this and spoke to a customer service representative as well as the representative supervisor XXXX ( employee Id XXXX  ). I inquired why their was a reduction of my credit limit, but no one could provide an answer. They stated a letter was mailed out to me XX/XX/XXXX, but due to extended traveling I will not be able to access the letter. 

Additionally, since I'm in the process of purchasing a home. I have been monitoring my credit like a hawk, and my concern was that such a large drop will drastically affect my credit due by affecting my credit utilization ratios. In the call I requested is their a process to reinstate/ reexamine the credit profile. 

I had a similar incident happen two months prior with a XXXX XXXX  credit card. There process is more consumer friendly then 5/3 bank. First they gave me one month advance notice that they were reducing my credit limit ( unlike 5/3 bank ). Once I received the letter from XXXX I called them and explained to them that I'm looking for a home and that reducing my credit limit would affect my credit utilization ratio. They simply stated that they will put in a request to reinstate my initial credit limit. 

To recap the complaint : 1 ) 5/3 bank reduced my credit limit with advance warning 2 ) I have no way of knowing why they reduced my credit limit 3 ) They do not have a process that was communicated to me regarding if there is a way to appeal or reinstate the decision 4 ) The supervisor refused to provide me or transfer me to the individual who she reports to for me to express my concerns.

5 ) It seems very fishy that my credit limit was reduced shortly after making a larger payment on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: ProCollect, Inc.
State: FL
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:
They contacted me and identified the debt amounting to {$830.00} and I never received information to verify and validate the 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 2019-09-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I tried an ATM withdrawal and it said I have insufficient funds. I checked my balance and it says - {$99000.00}. I know there are funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX  XXXX {$2800.00} DEPTEDXXXX   XXXX {$3000.00} DPTED/XXXX XXXX {$5500.00} XXXX XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America has placed a Delinquency and charge off on my credit file. This is INCORRECT. The correct file entry should be " late payment ''. No balance, on the account is inconsistent with something being " charged off ''. The difference is a cascade effect it has had on my credit score and potential 7 years of visibility on my file vs 6 months for a late payment. 

The beginning of the cascade issue is XXXX reducing my credit from {$12000.00} to {$1500.00}. Once again NEVER LATE - NO BALANCE. 

Since ALL credit card companies use this file, the accuracy of the information is directly correlated to my score. 

This is unacceptable since NO HARM was done to BofA, and this action will cost me thousands for YEARS.

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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly duplicate entries of a charge-off on XXXX  partial account numbers - XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX Bank and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this 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 2019-09-13
Company: BBVA FINANCIAL CORPORATION
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 have a loan with BBVA USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BBVA USA and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX XXXX, and BBVA USA with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation