BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I called XXXX ( XXXX ) to stop my service that I had for over 16 years. The constant " phantom '' charges, deceptive practices, and most recently from the imposed data limit and unrealistic data overage charges. The customer service representative I spoke to on XX/XX/XXXX communicated to me that my bills were paid and I did not owe any additional money to XXXX. 

Months went by. I received a collection notice from Credit Collection Services inXX/XX/XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ; ( XXXX ) XXXX ) Stating that I still owed XXXX {$220.00}. I called XXXX and told them that I did not owe them any money since I stopped my service and had not incurred any additional fees since my cutoff date. 

They said that I still owed them money. I told them that the XXXX customer service rep stated I was completely paid up. I told them to go look up the call on the XX/XX/XXXX ( since they record them ) and that they would find out that I was telling the truth. They said that didn't have access to the call information. Apparently they had been billing me over the last few months but I never received any statements since I was on paperless billing. In addition I was no longer a XXXX customer I did not have any reason to check my XXXX email address where the bills were getting sent. I could not reason with them. 

A few more months went by and I applied for a loan and the unpaid debt whihc was sent to collection severely ruined my credit score. I called the Credit Collection Services company and spoke to several people. I wanted to pay the debt but not before getting the collection account removed from my credit account. They said they could not do that. 

I called XXXX again and spoke to several people and finally got to a woman named XXXX. She told my that XXXX could not remove the collection from my account. I knew that to be untrue so I asked to speak to someone else. She said there was no one else in the office and that I would receive a call back. Of course I never did. 

I finally called XXXX and took care of the debt. They said they could not remove the collection from my account but that I can start a dispute claim with the credit reporting companies. I hope to do that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Company Name : Planet Home Lending This company recently purchased our mortgage loan after a refinance we did during the fall of XXXX, and since the purchase, the following has occurred : 1. They held more than $ XXXX  in escrow without our consent and it took months to get them to acknowledge the issue. As they were unwilling to do anything to assist, I asked for the funds to be returned. They only returned the funds after numerous calls and micromanagement on my part.

2. They lost an extra principal payment during the transfer and after numerous calls and more than 4-5 hours collectively wasted on the phone, they finally acknowledged and claimed to be doing something about it, but nothing happened.

For this issue, I had to call the previous lender and request the necessary proof to include the tracking number as they wouldn't assist with helping, and even after gathering the proof, they have shown little to no interest in posting the payment.

Additionally, they are unwilling to post the payment and back date it to when it was actually paid, thus changing the interest charged at that time. To date, nothing has occurred. The payment was made during XX/XX/XXXX. 

3. I have asked for a complete payment history and they will not send it to me.

4. Currently, they are attempting to force place an additional insurance policy on our property when we have the additional coverage through our XXXX XXXX XXXX Policy. Previous to the loan refinance we did during the Fall of XXXX, our previous lender for more than 3 years never asked for an additional policy as we provided the XXXX XXXX XXXX, and it satisfied their requirements. 

Furthermore, I had our commercial insurance agent write a letter to the new mortgage lender explaining that this additional insurance policy is unnecessary, but their stance is to want to enforce unnecessary insurance to be purchased for our property. 

In summary, I have made many attempts to speak with a Director or VP level type management person for this mortgage company and they have made zero efforts to assist with putting me in touch with anyone that can look into these allegations without wasting hour ( s ) on the phone. 

Respectfully request your assistance to mediate these issues and to ensure other customers do not experience the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan was paid off in full with an additional overpayment of {$490.00}. Santander bank, who was the lender, uses a third party to issue refund. XXXX is the 3rd party. They issued a prepaid card. When received i called and requested check be sent. XX/XX/XXXX first call. Had not received by XX/XX/XXXX. Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and today XX/XX/XXXX. They said check was issued twice, never received, called back and told them i want deposit to account. On XXXX was told money would be back on card on XXXX and i could transfer on line to my acct. Money not available on card on XXXX and called and was told it takes 5 business days to get back on card. Told the reason was due to refund program of their system. I requested check due to restrictions and spending requirements with using card. This bank should have never allowed a refund to be sent thru XXXX party much less restrict how i might chose to spend MY money. Santander should have refunded to the acct on record or mailed check to address on file. There should be absolute repercussions for any business treating customers this way. Just horrible business practice and would never advise doing business with santander bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XX/XX/XXXX I was alerted via text message from Synchrony Bank asking me to verify purchases on a XXXXSynchrony Bank credit card. Three purchases were attempted for {$20.00} on XX/XX/XXXX, {$4100.00} on XX/XX/XXXX, and another attempt for {$4100.00} on XX/XX/XXXX. The charges were attempted through the XXXX XXXX XXXX XXXXnd the store number was XXXX. 

On XX/XX/XXXX I replied to the test alert to confirm that these were not valid charges and then later in the morning I received a call from Synchrony Bank to initiate a fraud investigation. 

On XX/XX/XXXX I received a notice of address change from my XXXX account and upon investigation learned that someone attempted to add an address to my credit file or had applied for an account with the address of XXXX XXXX XXXX, XXXX Michigan, XXXX. I contacted all three credit agencies and place a credit freeze on my information and started a fraud claim with XXXX regarding the address.

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 2017-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, 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 non-monetary relief
Consumer complaint received 2017-11-05
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:
XXXX/XXXX/XXXX Transunion has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. Transunion also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. 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 2022-04-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Suntrust with the new XXXX stating that they were closing accounts on XX/XX/2022 but these accounts square for people who have a CD account or a retirement account I dont have either I have a regular checking account and a regular savings account so I contacted my local branch and I asked the branch manager about it he ask for my personal information I gave it to him and he told me that my account was not effective I can disregard that letter well I went today I tried making a purchase online and when I contacted customer service she told me that my car XXXX was blocked and that she couldnt unblock it she told me to go to a local branch picking initiation me another car while when I contacted the local branch he tells me that my account has been closed on XX/XX/XXXX my account is still open in active but my car is not but I just use my car on this past Saturday was with XX/XX/XXXX to pull money out of the ATM machine I think thats very unfair and ethical because people have money go onto their accounts and then give a reason why my account has been closed I dont care that they tell us being close it was how it was been done and I believe BB & T needs to be investigated

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 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
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 XXXX Account # XXXX, has violated my rights. 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 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 non-monetary relief
Consumer complaint received 2017-11-02
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
on XXXX XXXX I purchase a XXXX XXXX from XXXX XXXX in XXXX, NJ. On XXXX XXXX, XXXX I paid the loan off in full. As of this date I have not received the original title or letter stating that the loan was satisfied.l The loan was at the Valley National Bank XXXX XXXX XXXX XXXX, NJ XXXX. On XXXX XXXX I called XXXX XXXX and was told title was mailed on XXXX XXXX XXXX and I told them I never received it. I called on XXXX XXXX and spoke with a XXXX and he said title was never sent but a XXXX party was involved my title support XXXX and I spoke with XXXX she said they ca n't help it was the bank that had the title. Called back and spoke with a with a XXXX XXXX XXXX and she was going to look into it because the depart was closed but she said that the title was probably sent out. On XXXX I spoke with a XXXX XXXX XXXX and she was going top look into it but call XXXX party they could help. Called XXXX at XXXX and said for a fee he would send me a letter to get title from XXXX XXXX. Called XXXX back spoke with a XXXX XXXX XXXX and said they do not have title other company has it not in system yet to call back

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I leased a XXXX XXXX XXXX through Chase Auto Finance. I was nearing the end of my lease and decided to purchase the vehicle. Through hours and hours of hold music and unhelpful representatives I was finally given my pay off amount of XXXX and the date of XX/XX/XXXX to submit my payment. I XXXXXXXX XXXX  my check for that amount along with all the required information ( Vin #, Odometer Statement, etc. ). I received a confirmation email from the shipping facility I used that the check was received on XX/XX/XXXX. 

I heard nothing for weeks and noticed the amount had not been withdrawn from my bank account. I struggled through the sludgy muck of another all day hold affair with their so called " Customer support ' number and when I finally reached a representative they assured me that they had the check and it would be deposited on or before XX/XX/XXXX. He went on to say that it would be back dated from the day it was received and I would not be penalized with fees or a credit inquiry. 

Today, XX/XX/XXXX, I received a letter from Chase Auto stating I was delinquent on my account and that my car could be repossessed after ten days of the date of the letter which was XX/XX/XXXX. I am beyond upset, flabbergasted, and bewildered that I am being penalized and threatened after following the rules dutifully. I work XXXX hour days and am now once again battling their customer service for answer with the auto lease grim reeper brandishing it's sickle over my life. I am desperate for help and pray that this situation can be deescalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since Suntrust turned into Truist I have had a problem accessing my account and with fees because of it. I went into the branch and they told me they had to stay on hold just like me and told me to call back when I went home because he couldnt stay in hold and had other customers. I have made numerous calls and attempts to no avail. I think they just want to charge fees. We had no problems with access until Truist took over.

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 2021-10-20
Company: EQUIFAX, INC.
State: VA
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 personal information was exposed in the XXXX breach and since then fraudulent accounts and inquiries have been showing up on my credit report. 

Pursuant to 15 U.S. Code 1681a definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; MY CONSUMER REPORT CAN NOT INCLUDE TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND ANY PERSON, WITHOUT MY WRITTEN INSTRUCTIONS. MY CONSUMER REPORT ALSO CAN NOT INCLUDE AUTHORIZATION OR APPROVAL OF CREDIT DIRECTLY OR INDIRECTLY. BLOCK AND REMOVE ALL ACCOUNTS AND INQUIRIES MENTIONED IN MY FTC IDENTITY THEFT REPORT. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

ANY ACCOUNT/INQUIRY THAT HAS BEEN PREVIOUSLY INVESTIGATED OR DISPUTED ON MY CONSUMER REPORT AS IT RELATES TO MY CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING WAS NOT OBTAINED THROUGH INTERVIEWS WITH MY NEIGHBORS, FRIENDS, OR ASSOCIATES OF MINE, THE CONSUMER. NO FACTUAL INFFORMATION FROM A CREDITOR SHALL BE INCLUDED ON MY CONSUMER REPORT WHATSOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: NY
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 HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Receivables Performance Management, LLC
State: AL
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:
Years ago, I had a XXXX account. For one reason or another, I closed the account. In XXXX, I received correspondence from a collection company - Receivables Performance Management - in regards to an outstanding balance of {$1500.00} ( ref # 309948372 ).  I told the representative that I acknowledged the debt, but that I believe that what I owed was half of that. We settled on {$800.00}, split into two payments of {$400.00}. 
I made the first payment on XX/XX/XXXX and the second payment was made on XX/XX/XXXX ( I have receipts of both transactions ). 
The derogatory remark was removed from my credit report after the last payment was made. 
In XXXX, it showed back up under a different company - XXXX XXXX. I reached out to them on XX/XX/XXXX in writing, asking for an explanation. I also disputed it via XXXX XXXX ( to no avail ). 
A year later, I am still dealing with this outstanding debt that has been paid over 3 years ago. I contacted XXXX ( account number XXXX ) today, via phone, and spoke with a lady who was so rushed that I couldn't even catch her name. I explained the issue. She told me that I could sent the receipts to her via scanned email. When I asked what the follow up protocol is, she told me that it could be 30-90 days before I hear anything in regards to the issue. I think this is absolutely ridiculous and I told the lady so. She, then, told me that they have to reach out to XXXX and wait to hear back from them. I am confused, as the account is no longer with XXXX. It did not even come to XXXX from XXXX. It came from XXXX. I told her that I was thoroughly disappointed in both XXXX and XXXX. XXXX, the account is delinquent due to my original negligence, but I resolve this situation ( or so I thought ) 3 years ago, and now I am being told that it could be another 90 days before I know whether it's been resolved, or not. And, if it isn't resolved, what are the next steps?!

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