BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
For months I have been disputing multiple errors on my credit report and not only the creditors but also the credit bureaus have failed to delete, or even correct, the accounts in question.

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 2021-09-01
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
I am a Vitim of the consent order that was filed against Santander Consumer USA Inc. ( Santander ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). Santander has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted Santander Consumer USA IncXXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally Santander has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. Santander Consumer USA Inc. has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the XXXX XXXX, and XXXX  who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a demand for payment from a company requesting payment in the amount of {$1500.00}. I have not ever received any services from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX and after the account was cancelled they sent it over to I.C Systems. Which I then made payment directly to XXXX for the past due amount of {$240.00} on XX/XX/2021 to keep the bill from reflecting on my credit report. Which XXXX did not send that over once I paid. The collection company told me it was my responsibility to make sure they were notified that the bill was paid. But they sent an electronic request to XXXX for this matter. When they reached out to XXXX they contacted the wrong department for this account information. 
So when I received a letter stating that the bill still had not been paid, I reached out and they informed me that if was job to make sure they got information again. Which I called XXXX and after getting to the right department they said no I paid this account back on XX/XX/2021 and sent it over. But XXXX did not send the court date, and I C Systems are still telling me it's not their jobs to verify the correct information, and that I will need to wait for it to be removed my credit report or trying disputes with the credit bureaus. Which I do not feel that it is my job to go through all these hurdles when the company could make a few phone calls to resolve this issue.

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 2019-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Bank of America debit card was stolen along with my XXXX XXXX on the XX/XX/18 XXXX dollars was stolen from my checking and savings accounts.The person who stole my card and phone made purchases using my debit card and also hacking on to my online banking on my phone making XXXX dollars in transactions worth they also make XXXX dollars transactions on my debit card also. 
As soon as my card and phone were stole I canceled my debit card and filed a police report in these crime.I rang my bank and they investigated what accoured I sent them all the information they need police report pictures of the suspect giving to me by police phone records also records of all transactions used by suspect. 
The Bank of America give me back XXXX dollars of my hard working money. 
I want the rest of my money XXXXdollars. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nj 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 monetary relief
Consumer complaint received 2018-06-12
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX, New Jersey XXXX Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Federal Trade Commission CFPB XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXXFEDERAL TRADE FEDERAL TRADE XXXX XXXX XXXX, XXXX XXXX did not handle a simple broken phone issue. So we switched to XXXX because XXXX offered a contract buyout plan and {$200.00} credit card gift card. I had 60 days to do online paperwork for XXXX offer and give XXXX itemized bill for early termination fee. 
I wrote XXXX within 30 days asking for an itemized bill that shows the early termination fee so I would be able to submit to XXXX to get my offers. XXXX did not give me an itemized bill only a bill that states {$470.00} is due immediately which did not break the charges down. I went into a XXXX store to get the itemized bill, again I was given the aggregate bill charge. I wrote XXXX again with 45 days again I did not get itemized bill so I lost my offer with XXXX!!!! I was not able to submit the required information to XXXX because XXXX did not, would not or could not give me the information I requested 3 times. 
Now I get a bill collector notice. 
IRespectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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 has reported multiple 30 day late payments to transunion credit bureau that are not accurate and has reported to XXXX  that I did a settlement not a full payoff. 
In XX/XX/XXXX I took a {$20000.00} loan out with XXXX XXXX. I've paid off the loan in XX/XX/XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at XXXX XXXX that they have reported multiple 30 days late payments on my account to TransUnion. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by TransUnion that multiple 30 day late payments have been reported from a loan that I had with XXXX XXXX back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from lending point. I've left multiple messages and emailed multiple times.

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 2018-06-07
Company: AES/PHEAA
State: AL
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:
All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Navient Solutions, LLC.
State: KY
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:
My accounts were paid in full through Sallie Mae in XX/XX/XXXX by consolidation before Navient and Sallie Mae separated. Navient and the XXXX   XXXX XXXX continue to report inaccurate information. The XXXX customer service states that they do not have a record of an account that is in default, delinquent or past due in my name but continue to send default notifications in the mail. Both companies customer service has threatened arrest, used fowl language, and when I request documents regarding the account they claim I owe, I am hung up on. They refuse to provide documentation that any balance is owed or that the account reported has been previously paid in full and on time to Sallie Mae. Navient has falsely reported payments made to all three credit reporting agencies with the most recent being XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good afternoon. I am filing another complaint in regards to Suntrust Bank. Since the initial opening of the account, I had requested overdraft protection on the account, meaning : It will never result to a negative balance. After the first complaint, I had refilled the account back to positive. However, there are still continuous issues with the checking account. I do not ever seek for the account to result to a negative balance. Transactions are never declined, and it is a serious issue.

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 2019-09-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with TD bank and did an external transfer from my XXXX account to fund my TD bank account in the amount of {$4900.00}. I closed my XXXX account after the funds were collected. The funds were locked in my TD account and they stated I had to provide proof of ownership. I came to the branch and provided a bank statement and they said the funds would be available the following day. The funds were not available the next day. I went to the branch and TD informed me that they sent the funds back to XXXX. I contacted XXXX and they informed me that they cant receive funds back to a closed account and that the money would be returned to TD. I waited two days because I know from doing external transfers it takes about 3 days for the funds to settle in an account. I called TD over the phone and spoke to a supervisor who started a trace on the funds and provided me a case number of XXXX. She advised me the case would take 3-5 business days and I could call back or go in the branch. After 5 business days I called back and they advised me that they located the money but I would have to go to the branch because they needed to send an email to deposit operations to redirect the money to my account. I went to the branch and spoke with XXXX XXXX who sent an email to deposit operations. She advised me the money would be in my account in three business days. The money was not in my account in three business days. I sent this transfer on XX/XX/2019 todays date XX/XX/2019 and the money is still not in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-22
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I lost my home in the Camp Fire in XXXX, CA. After it was determined by the Insurance Co ( XXXX  ) that my home was a total loss, they requested I get a payoff letter from my mortgage company so they could send me a check to pay off the mortgage. I requested that letter from Pacific Union Financial and they sent it to me. It was dated XX/XX/XXXX with the payoff good until XX/XX/XXXX for the amount of {$170000.00}. The Insurance company sent me the check made out to me and the mortgage company. I signed the check and overnighted it to the address I was given on XX/XX/XXXX. 

Since that time, I continue to get calls stating I am behind on my payments and they have just last week mentioned to me that I am at risk of foreclosure on my home. They have acknowledge that they have the check sitting in some kind of escrow account. I have sent them everything they have asked of me. Everytime I get someone new to talk to they ask for something different. 

Not only have I had to deal with the trauma of losing everything I own and XXXX   years of life and memories, I am having to deal with these people. It is now the end of XX/XX/XXXX and we are not any closer to having this issue resolved. This has caused my credit rating to drop 71 points because of them. I am already having XXXX  XXXX  due to the stress of the fire and this is just making it much worse. 

Any help you can give me will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were in the process of selling our home and needed a payoff from XXXX to gear if it was feasible to be able to sell our home. I contacted XXXX in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted XXXX for additional information. XXXX was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and XXXX never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to XXXX and the modification was no longer disclosed by XXXX in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by XXXX and there complete lack of service. XXXX responded and put the blame on XXXX. Now we are going back and forth who is responsible for servicing, and how do I know if this loan was paid off. The account that you are referring to within the complaint was not serviced by XXXX but was a Subordinate Note ( Partial Claim ) that originated on XX/XX/XXXX, with your prior loan servicer ( XXXX XXXX XXXX  ) in the amount of {$18000.00} ( see enclosed copy ). The documentation identifies that Housing and Urban Development ( HUD ) was the lender and payment shall be made to HUD or any such place the lender may designate, which was not XXXX. Our records reflect that the account XXXX is servicing was originated on XX/XX/XXXX, with XXXX XXXX XXXX in the amount of {$260000.00}. XXXX does not have any documentation that a payoff was requested in XX/XX/XXXX as asserted within the complaint. On XX/XX/XXXX, XXXX received your request for a payoff on the above referenced account. XXXX provided you a payoff on XX/XX/XXXX, for the loan were servicing, identifying {$220000.00} was due to satisfy the loan. As XXXX was not servicing the Subordinate Note we would not be the entity that would provide you directions to pay it off. On XX/XX/XXXX, XXXX received the payoff on the account we serviced and on XX/XX/XXXX a notice that the account was paid in full was sent to you. If you have any further questions, you may contact XXXX Customer Service Department toll-free at XXXX, Monday - Friday XXXX XXXX to XXXX XXXX., and Saturday XXXX XXXX to XXXX XXXX. CT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Note : The selections for my type of complaint were not exactly what has occurred so I chose the closest. 

I am trying to pay off debt but can not get Transworld Systems Inc ( TSI ) to send me a current statement. TSI is the debt collector for XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any statements from TSI since XX/XX/XXXX. I received a letter from the US Department of the Treasury ( dtd XX/XX/XXXX ) indicating my tax refund ( {$420.00} ) was applied to my debt. 

I contacted TSI ( XXXX ) XXXX by phone 4 times in XX/XX/XXXX : 1 ) XX/XX/XXXX/XX/XX/XXXX - I did not document date and person I spoke. I requested a statement be sent to me. I believed they would send me a statement so I could payoff the debt. A statement was not sent to me. 

2 ) XX/XX/XXXX, XXXX XXXX PST. Spoke with XXXX. I told XXXX that I had previously called requesting a statement be sent to me. She was able to see in their system that I had previously called. She indicated that statements had been sent to me and she didn't know why I had not received them. 
She said another statement would be sent to me. A statement was not sent to me. 

3 ) XX/XX/XXXX XXXX XXXX PST. Spoke with XXXX. I explained to XXXX that I had called two times before requesting a statement be sent to me. XXXX indicated that a form had to be submitted by customer service rep and that the prior reps had not submitted the form. XXXX said he would submit the form so a statement could be sent to me. 
A statement was not sent to me. 

4 ) XX/XX/XXXX. Spoke to XXXX. I explained to XXXX that I have called 3 times before requesting a statement and that I have not received one. I  requested to speak with a supervisor but XXXX said a supervisor was not available. XXXX indicated that statements have been sent to me but asked if I had opened all the mail I receive because their statement look like junk mail. I asked if there was a way they could email me a statement or if there is a way that I can pay online and was told no. XXXX promised I would have a statement within 2 weeks. A statement was not sent to me. 

I still have not received a statement. I don't understand why TSI will not  send me a statement. It seems as if they want interest and penalties to accumulate and then just take additional money from my tax refund. 

My intent is to resolve this debt as soon as they send me a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been a consumer of 53rd bank for my auto loan. When I was impacted due to Hurricane Irma, they provided me with a deferment until XX/XX/XXXX which I am appreciative of. Starting in XX/XX/XXXX, I made consistent payments up until XX/XX/XXXX, because I had a XXXX in XX/XX/XXXX and was out on XXXX XXXX, so I did not have any income at the time. I spoke with them XX/XX/XXXX requesting a temporary deferment until XX/XX/XXXX payment as I would be returning to work starting XX/XX/XXXX. They stated that they could not do that because I did not have 90 days of consistent payments, which was false. 

Since the past due payment from XX/XX/XXXX, they have called me every single day. I spoke with two different reps and advised them of my situation. Today I spoke with a gentleman who stated that I owe XXXX, which is also false. He was clearly bullying me in to paying more than what was actually owed. I was only behind one payment of XXXX, but he was adding XX/XX/XXXX payment in to that total which is unfair. He also stated that he had the ability to call me 4 times a day, which is clearly harrasment. As a woman who just had a baby, they had absolutely no regard for any potential post partum issues I could be experiencing. I have never missed a payment with them before ever, and after one missed payment, I am harassed? 

I then spoke with a woman named XXXX, when talking to her I asked her to review my history for XX/XX/XXXX and XX/XX/XXXX and she said " that's not what I am here to do '' she refused to help me and was more concerned about arguing with me. I requested to speak with her supervisor XXXX and he would not get on the line either. 

I was simply asking for a deferment for XX/XX/XXXX or XX/XX/XXXX just to help and I was spoken to disrespectfully, I was harassed, and still provided with no resolve despite my consistency with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Navient Solutions, LLC.
State: OH
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 got a report from XXXX XXXX my school loan increased {$800.00}. I have auto payments. I pay $ XXXX  monthly. Got a report it increase {$800.00}. No notification why.

Company response to consumer: Closed with explanation