BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collection Bureau of Hudson Valley keeps calling my house seeking someone we do not know. Rather than find the correct debtor, they continuously call us. The most recent call was on XX/XX/19 at approximately XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XXXX, I was made aware an Attorney General Multi-State Settlement against Santander USA. I have reached out to them multiple times with regard to my auto loan and the settlement but they are unable to provide additional information. I believe my case should be included in the settlement due to subprime lending activities and failure to appropriate apply payments to my account. 

XX/XX/XXXX, I purchased a XXXX XXXX XXXX with financing through Santander USA. The purchase price was {$17000.00} with total payments of {$30000.00} and an APR of 19.55 %. Recently I noticed that many of the payments I made were going entirely to interest or varying amounts that do not increase. In order to understand these occurrences I reached out to Santander several different times. During one call the representive was unable to explain  the interest only payments despite the fact the on time payments. He advised me to make the payments ONLY on the due date and that the disperencies were due to my simple interest loan. During another conversation with a executive representative she suggested I make the payments before to avoid the entire payment being applied to interest. At the current monthly payment and APR the vehicle would not be payed off at the end of the contract. After 24 months of payments, only {$2000.00} has been applied to the principle. Several months I have payed more than the payment amount and still the entire payment has gone to interest only. I have made the payments on time and in full.

I allege that I, like many others were given subprime loans and outrageous APRs. I have attempted to reach an agreement with Santander USA but have not been successful. In addition I believe that I should be eligible for relief under the Multi-State Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted two complaints and they were improperly closed. I have no resolution and the response to the CFPB is completely different to what I was told on the phone.

" We are responding to you and the CFPB explaining we understand you feel you did not request the short term payment assistance however based on review we confirmed you did request the forbearance and we are providing correspondence we sent confirming the short term payment assistance. '' This is a blatant lie. I never requested short term payment assistance. I requested information. The person on the phone today advised me today that there was an error in their system that put people illegally into forbearance and they fixed it and I never requested forbearance. " We also confirmed that the request to correct account credit reporting was updated to remove the comment code of account in forbearance
''. I don't want a confirmation of a request send. I want confirmation this was done.

" We recognize your claim that we did not follow Fair Credit Reporting Act procedures, and due to this, your request for restitution, that we have reviewed the request, and respectfully decline that request because we have no evidence to support errors that caused a negative effect to your FICO score. '' What is this. You admit you broke the law, and it caused my credit report to drop. But you won't do anything about it. What are you now reporting to the credit bureau the  week of XX/XX/XXXX. The prior complaint escalation contact would not tell me.

Why did the person on the phone advise me that Wells Fargo never sent me a letter on XX/XX/2020. I have the letter but according to him Wells Fargo never sent it. They told me on the phone it doesn't exist. I am attaching it this time.

This previous resolution is full of lies. All Wells Fargo does it lie and they deserve to be shut down and sued.

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 2018-10-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Seems that 2 months ago Navient committed two illegal acts : -WITHOUT MY REQUEST OR CONSENT changed my accounts arbitrarily to be in deferment status until XX/XX/XXXX or so of this year -INCREASED interest rates from 6.79 % to 8.25 % - I sent several additional payments made directly FOR PRINCIPAL ONLY. and they are not been applied accordingly to reduce the primary debt I never applied for any kind of deferment nor requested any kind of changes. This is a repeat problems as about 18 months ago they did the same. Why are these rats allowed to do this? They have been sued repeatedly across the nation for such misconduct and yet the government still allows them to continue to do this. 

I demand a full investigation and removal of all financial charges created by this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, Equifax, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A while ago I was on maternity leave and fell back on payments. I received two letters for both accounts about ways to catch up on payments. I made both payments but some how it was only credited to one account. I called several times requested supervisors and etc. They were able to see the one payment but explained some how the computer only followed through on one account and not the other. Although payment was received and the offer was for one account. I have been told several times that a supervisor up until this day that a supervisor would contact me back. I finally received a settlement offer. However after thinking about it and that I have been reaching out about this account for over a year and my other account has been in good standing I feel that somethin else should have been acceptable. I offered a pay for deletion due to the problem and I was told that was not offered and they had nothing to offer but the settlement and that I should contact a credit agency. However the credit agency said this is offered when capital one sends it to a collection agency. This matter should be looked into closer and I'm not understanding since i remain a customer and have been making contact for over a year. Why should I deal with a outside agency vs Capital one since the account is still with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed when I was in California about a job offer and a company needed to use my bank account to send transfers over. After I realized I was most likely being scammed I tried to stop it but was threatened to send the money. I sent {$5000.00} through cash app and now my bank is holding me accountable for it. I tried contacting the people who scammed me to just send it back and itll be over and they threatened to show up at my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI refuses to send me the loan payoff that was used to payoff this mortgage. I want to insure that they sent the correct escrow refund. I have called emailed and called twice over the past 3 weeks. On XX/XX/2020 when I called they kept me on hold for 30 minutes then an automated message said they have so many calls that they can't answer and to leave my phone number and they will call back. That was 29 hours ago and they haven ' called back. I refinanced this mortgage so we would no longer have to deal with this loan servicing company and this is the last thing I want from them. Also, they do not have a real-time system so if something changes on your account you can't verify it without calling them and their wait times are unacceptable long. This was before COVID-19 so they can't use that as an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2020-10-20
Company: LAND HOME FINANCIAL SERVICES
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This year I have tried to fix my credit and tried to refinance but unfortunate I couldnt because my credit showed I had like 8 missed payments on my mortgage. I tried calling land home and financial to see why I had so many payments that were late and they said they werent. All my payments were made between the 30 days thats why I asked why their showing 30 days late. Right now Im on furlough and Im trying to refinance my house to get a smaller payment but Im having a lot of trouble just because of the missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: UT
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 XXXX  is misreporting on my credit. They have reported a Home Equity Line of Credit as a " charge off. '' This loan was paid off in full. I have supporting documentation that it was paid off. I have worked with XXXX XXXX XXXX  for three years to get this resolved and they refuse to change it. In that time I have paid more in interest on various loans because of this affecting my credit score. My local credit union ( XXXX XXXX XXXX XXXX ) requested a payoff from XXXX XXXX XXXX  on XX/XX/16. XXXX XXXX XXXX  did not respond. A second request was sent on XX/XX/16 so that Utah XXXX XXXX XXXX could pay it off and assume the HELOC. Rather than responding, XXXX XXXX XXXX reported the loan as a " charge off '' on XX/XX/16. After again making contact, XXXX sent XXXX XXXX XXXX a Cashier 's Check ( # XXXX ) in the amount of {$34000.00}. That check was dated XX/XX/16 and cleared XXXX XXXX XXXX on XX/XX/16. I have made phone calls, submitted disputes through annualcreditreport.com, hired a company to assist me in the matter, and still it remains unresolved. XXXX XXXX XXXX  is negligent in their practices and this needs to be resolved immediately. I have spent countless hours attempting to rectify their mistake.

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 2018-08-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is not reporting 2 open credit cards on my account which is causing my score to be lowered and they are : XXXX credit limit XXXX XXXX XXXX credit limit XXXX And the Bankruptcy from 8.8 yrs ago shouldn't be affecting my score by 150 points.

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 2020-12-04
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: Account information incorrect

Complaint:
On XX/XX/2020, I spoke with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} XXXX, she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.

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 2018-02-03
Company: Seattle Service Bureau, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX. 
Date XX/XX/XXXX loss XXXX XXXX claim # XXXX Subgrgation calim amount XXXX Threatening to take license and vehicle tags. I was never involved in a auto accident! Nor with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding some unknown and innacurate things on my credit report. Over 60 days later I have not recieved a response yet. I feel like I am being ignored and taken advantage of. In section 611 ( a ) it states that Failure to investigate these items within 30 days gives a reason to immediately remove this from my credit report. IT has been 60 days and these items should be removed from my report. I have suffered so much from these innacurate items. My family is also being caused massive stress. I demand these items be deleted or I will have to file for litigation because of the stress you have caused. I have been included in the XXXX  Data Breach and I fear this might expose my info to wrong hands.

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 2018-10-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: IN
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:
I called The credit bureaus on XX/XX/XXXX after noticing some inquiries on my report that do not belong to me regarding mortgage lending. I asked for them to be removed as according to the FCRA, legally these unverified and unauthorized items must be removed.

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 2018-10-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Discover It credit card and it was initially declined, but after providing additional documents it was approved and a card was sent to me. After receiving it and trying to activate Discover stated I had to send them my tax returns before I can activate it. I refused to send them my tax returns since I already sent them enough information for a low end credit card. Even though I couldn't activate the card, they reported my account opened to the credit bureaus. If I wasn't qualified for the card they should have never approved me. 

Here are the dates : XX/XX/XXXX : Applied for card XXXX : Asked to upload bank statements, SSN Card, and confirm address, which I did and called in and they stated I was approved. 
XXXX : Started getting emails from XXXX to sign an IRS consent form 4506-T 9/9 : Received an email saying I was approved XX/XX/XXXX : Received the card and tried to activate it and was told I couldn't unless I provided my tax returns, Discover stated my account was opened and they will close it if I don't provided my tax returns. 
XX/XX/XXXX : I started getting notices from the credit bureaus that Discover opened the account. 
XX/XX/XXXX : Received an email from Discover saying my account was closed. 

If I didn't qualify for the account Discover should have never opened the account. It's horrible practice to open an account and even before I can activate it demand more information. This hurts my credit since it shows as a short term account. 

I would like Discover to activate the card or remove the account from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: IL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief