BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
I entered a loan with Santander Consumer USA in XX/XX/XXXX. In XX/XX/XXXX, I was in a car accident that resulted in the car being deemed a total loss by my insurance agency. I was told by Santander that after XXXX paid, my Gap insurance would cover everything else. So I purchased a new vehicle, being that I am a student living away from home. Following my vehicle purchase, I was called by Santander stating I still have a residual balance I am responsible for and failure to do so will result in my credit being impacted. My insurance company paid {$5200.00} and my GAP insurance with Santander ( XXXX XXXX XXXX ) paid {$1500.00}. I was told by XXXX that they do not cover late or missing payment or interest fees. So I paid my loan with Santander and my loan for my new car monthly. In XX/XX/XXXX, my credit report stated that my account with Santander was closed and paid in full as of XX/XX/XXXX. I called Santander on XX/XX/XXXX inquiring about the report because my online account still displayed a balance. I was told that the reporting was incorrect and the account is open and past due 53 days. I made a payment to Santander on XX/XX/XXXX that they misplaced. I faxed over my bank statement showing the payment processed ( XX/XX/XXXX ) and received verbal confirmation that the payment was found and will be applied to the account. Following this conversation, I was told on XX/XX/XXXX that I was 59 days past due and if I failed to make a payment it would be reported to the bureau, even though I continued to tell them the account is reported as closed and paid in full on my report. I made a payment on XX/XX/XXXX to avoid a negative report. On XX/XX/XXXX Santander listed my account as closed and adjusted the balance to reflect {$0.00} not including the misplaced payment from XX/XX/XXXX and XX/XX/XXXX. I was never contacted, so I called to inquire. I was transferred to the executive office who mentioned that the the credit dispute office stated they were advised to list the account as closed and paid in full as of XX/XX/XXXX. I followed up by asking what balance have I been paying on for 14 months, I was told they would speak with accounting and let me know. I have called every day for the past 2 weeks trying to resolve this issue. They mentioned they have been working with the CFPB in regards to my account. So I asked if my account was one of the accounts related to the settlement that took place in XX/XX/XXXX. I was told that I would receive a letter that was issued by an automated system on XX/XX/XXXX explaining in full detail what is wrong with my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: FL
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 noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019.

*XXXX XXXX XXXX- never applied for credit *XXXX XXXX XXXX XXXX -never applied for credit *Certified Credit RPDT- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit *XXXX XXXX-never applied for credit * XXXX XXXX-never applied for credit *XXXX XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit

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 2019-06-20
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2019 I paid First Federal Credit Control {$720.00} to pay in full 7 medical bills that were placed with them for collection. As of my XX/XX/2019 all 7 derogatory entries are still on my bureau. 

Spoke to FFCC several times and they show that I paid accounts in full and claim to have sent this information to all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.

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 2020-06-29
Company: LOAN TO LEARN
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I am the co-signer to the loan in question, my daughter XXXX XXXX was the recipient. 
Loan to Learn/EDUCAP locked us out of our account more than ten years ago, and I no longer have any record of my trying to contact them back then. Sent them another certified letter on XX/XX/20, and do not expect a response. 
Would like to get the loan resolved and off our credit histories, and if you folks could help, that would be great. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
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:
This firm persists in collection of a debt not owed to them. I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. This has not been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells fargo is reporting a credit card on my credit report that Inhave been trying to dispute. They have yet to provide proper validation of the debt. The account was opened before I was even 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 2020-04-29
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would like to link my personal PNC checking account to the XXXX XXXX Savings program and apparently PNC doesn't allow that. Currently the interest rate with them is .56 APY and I want to jump before this goes away. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: PHH Mortgage Services Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is set for property foreclosure XX/XX/2019. I recently faxed to my mortgage servicer request for mortgage assistance. I have attempted to acquire the mortgage company assistance several times for the last year and a half. They have been unwilling to assist me with saving my home. The notice I received from the foreclosure attorney was not received 30 prior to the sale date being set.

Tennessee Las state the property owner is to receive 30 business days notice prior to property foreclosure sale.

See Attachment Please Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have several issues on my credit report that need attention dealing with my current address and my actual name. 
XXXX XXXX  XXXX is my only name please remove any other spelling. 
My DOB is XXXX My SS is XXXX I have not XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. Dep ed/XXXX, dept of ed, and XXXX. Please have these removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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 have disputed several time with XXXX, equifax, and XXXX that the accounts XXXX XXXX in the amount of XXXX and XXXX XXXX XXXX XXXX  in the amount of XXXX are not my accounts and to remove them. I experienced identity theft and there has been several bank accounts opened in my name and this credit card and loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a credit card from milestone for {$300.00}, which I wasn't using anymore. I checked my credit report and there was a collection for {$580.00} for the card. I called Trident Asset Management and advised them I was not using the card nor did I authorize anyone to use the card. They Told me to prove it. I offered to pay the Credit Limit, she said " we can not accept {$300.00}. I asked how can they keep a collection on money I never spent. She stated " ill place it in dispute '' and than hung up the phone on me. Now what?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, at around XXXX XXXX, I was going through my bank of America app on  my phone and noticed my checking balance seemed to be missing funds. While I went through my transactions I noticed 2 transactions one on XX/XX/XXXX at XXXX XXXX  for {$1000.00} and another one on XX/XX/XXXX at around XXXX XXXX  for {$1000.00}. Both transactions were via XXXX XXXX  saying I sent somebody that money. I tried to contact XXXX XXXX, but they had no number, and, I could not find a XXXX XXXX email. I quickly notified my bank ( Bank of America ) and put the dispute in. Usually when I have transactions like this my bank n notifies me and makes me verify these transactions. However, I was never asked about these transactions until I saw them. They told this can take up to 90 days. I only have about 1,000 dollars remaining and I have bills and rent that I need to pay. I just want my money back which is rightfully owed to me.

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 2019-05-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
American Express has issued me new card changed the account number, than 2 weeks later they stopped me from using the credit card. They spoke to me on the phone telling me that I will have to fill out a form, notarized and fax it back to AMEX. I did that XX/XX/XXXX, and they told me that there is going to be an investigation with the card from there " Global Fraud Protection Serveries dept ". This person has my identity and using it to change my name on cell phones, and then closing the accounts. In XXXX of XXXX, this person has applied for Medicaid, for me which I was denied. I called many phone numbers to find out where the application came from, and that was a waste of 3 hours.In XXXX I had Social Security fraud until I went up the 8th time to SS office and they took me off computer privileges. He is also, following my charges on accounts. On line banking he was listening to my conversation and kicking my password out so couldn't us the on line banking. I've had Amex for 35 years never did I encounter these problems, before this situation started. 
I must of had in 4 years 200 cell phones, with he changing the name, and then closing the service. Not a good feeling that this person can do anything with my name and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX RE : CBE Group Churning Consumers Credit Reports This is regarding an issue with CBE Group and what appears to be a deceptive tactic of churning consumers credit reporting while ignoring requests to provide backup or even original invoices of their claim. 

It appears that there is a systemic tactic CBE Group engages in through the following experience : 1. The noted collection company issues a claim that shows on my credit report in XXXX. 
2. I believe most consumers pay the trivial amount chalking it up to an oversight, however, in my case the claim was over {$1700.00} so I disputed the claim, requested backup details from the collection company, requested backup details from the creditor. 
4. I receive no response as expected since there were no dealings with the creditor for literally years further believing the claim is suspect. 
5. However, I am somewhat satisfied when the claim subsequently dropped from the my credit report in XXXX. 
6. Approximately 90 days later, in the spring of XXXX a new claim appears with the suspect date of the previous month. It is with the same creditor as in XXXX and is presented by CBE Group with an original date less than 30 days prior to their posting on my credit report. The amount appears to be slightly different than the one addressed 90 days prior. 
7. I disputed this claim as I did the first one, requested backup details from the collection company, and requested backup details from the creditor. 
8. Again, I receive no response as expected since there were no dealings with the creditor within the previous year. 
9. Again, I am somewhat satisfied when the claim subsequently dropped from my credit report in spring XXXX. 
10. CBE Group has deployed this process on me personally now for the third time this year as recently as XXXX, XXXX showing a new claim on my credit report while Ive disputed this since the fall of XXXX. 
11. The tactic shortcuts their having to provide any details or backup information on the debt and by refreshing the claim dates they are churning my credit report which likely takes much less effort. 

This process for me is approaching 2 years while they are presenting it as a last month occurrence. 

This could be explained away as an oversight or clerical error. However, the fact that theyve deployed this process three times this year shows its more than a one off occurrence and more of a systemic tactic deployed to deceive the credit reporting agencies at the expense of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In my previous complaints, both here and on the phone, starting on XXXX the XXXX or so, I had asked Fay servicing to provide an escrow analysis justifying the payment amount that was imposed XXXX  days before the XXXX payment was due. It was changed from XXXX ( from the XX/XX/XXXX escrow analysis ) to XXXX ( Current payment amount ). Now Fay servicing completes a new escrow analysis and provides a XXXX NEW PAYMENT AMOUNT ( From XX/XX/22 Escrow Analysis ) IN A XXXX  MONTH SPAN in the amount of XXXX. So far Fay servicing has not given me proper justification for the 2nd payment amount, and by giving me a 3rd new payment amount has also admitted that the 2nd payment amount was incorrect. NOTHING about this mortgage has changed since XXXX when Fay servicing took over. This level of incompetence is obscene. I would be ashamed to work for Fay servicing and would question why the people in charge of this are still employed. This is basic math. Fay servicing does not have the ability to use basic math. Please provide an explanation why the 2nd mortgage payment differs from the third even though NOTHING has changed. Please explain the calculation ( mortgage balance and applicable % ) you are using to arrive at the monthly XXXX  payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: NC
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 disputed items and closed accounts on my credit report with Equifax and XXXX for many months. Not only have they not removed the closed accounts, which would hopefully raise my credit score, they put old accounts that haven't been on my history for years, back on to my credit history. If an account is closed, why won't they remove it from my credit history?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Credit Wise Recovery Solution LLC
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: Account information incorrect

Complaint:
I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted XXXX, XXXX and XXXX XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you

Company response to consumer: Untimely response
Consumer complaint received 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent 3 letters dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting removal of inquiries from my credit reports that I did not make. I have previously disputed with Capital One and the CFPB and the inquiries remain without any proof that these were legitimately made by me. The inquiries were dated XX/XX/XXXX and XX/XX/XXXX. 

Please remove these as these requests for credit were not done by me, if you feel otherwise, provide a copy of the application that includes my signature.

Company response to consumer: Closed with explanation