BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my 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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my 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 2020-12-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Today ( XX/XX/20 ) I spoke to XXXX who is a customer service rep for Synchrony Financial/Care Credit. I spoke to XXXX at XXXX XXXX  PST and informed her that due to COVID I would have to miss my XXXX payment because I have to pay my rent. I also inform XXXX that I work for the State of California and I was forced to take a 9 % pay cut due to COVID to help cut cost to the state California. XXXX told me that they no longer have deferment as an option because it ended back in XXXX. She said they stopped offering deferring payments because the economy has got better and people are now working. I informed XXXX that I am still working but I am suffering paying my bill because I was forced to take a pay cut through my employer because of COVID. XXXX said there was nothing should could do and if I miss my payment for the month of XXXX I will receive between a {$29.00} to {$40.00} late fee. My payment is due on XX/XX/XXXX and I am unable to pay it.

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 2019-02-27
Company: EQUIFAX, 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:
XXXX is a utility company that I applied for over 7 years ago. I always thought I never had this utility company 's services until it showed up on my credit report. As far as I knew they didn't approve my application because I needed to put a big deposit down to start the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Yes. My complaint is with Santander Consumer usa. Its an auto loan account that originated at {$18000.00}. The term of the loan was 72 months @ $ XXXX@ 23.16 %. The loan begin in XX/XX/XXXX. We are in now in XXXX. i have been paying on this loan for over 75 months and i still owe over {$8000.00}. I wanted to talk with someone in a higher department but i cant reach them. The staff seems like they dont care about their customers. Its seems to me all they care is about there money. I have notice this company have been sued numerous amount of times in different states ( XXXX XXXX   Santander vs Massachusetts ) including a major recent suite for over {>= $1,000,000}. Now i'm writing this because the issues that i here in these cases are the same issues i'm facing with them too. Example are You still owe them outstanding balances after you paid off the term of the loan, There's no one that can honestly give you correct information, Its seem to me you cant reach no one higher in rank to discuss you situation because of corruptness of the company. They seem to put there workers on the frontline to do their dirty work. The way things are going i will be paying right at {$50000.00} dollars for a {$18000.00} loan. This company is greedy, not caring and dishonest to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: GreenSky, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My problem is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX Having placed an order onXX/XX/XXXX {$4200.00}, it was stated that there was a 3 business day cancellation policy. On theXX/XX/XXXX ( XXXX XXXX ) I mailed a letter of cancellation to the above address, as directed in their instructions, called XXXX XXXX   ( the salesman ) and the local office ( XXXX ). At the end of XX/XX/XXXXI received a call about installation. Again I called the local office asking why they were calling me. I was told that they would check into the problem. Well in XX/XX/XXXX I received a bill from Green Sky, a loan program. Called them ( XXXX  ) and was told that only XXXX XXXX  could cancel the loan. Again, I called the local office. Then I received another call from their installers. Again I called the local number and was told that I would have to speak to the salesman. I called XXXX XXXX early in XX/XX/XXXXand he apologized for the delay and said he would take care of it. That was earlyXX/XX/XXXX. Well here it isXX/XX/XXXX, and I just received another bill from Green Sky. Please advise how I should proceed, and warn off other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft several months ago and a account is still appearing on my credit file.

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 2020-10-15
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX I contacted Shell Point Mortgage and informed them I was still stru ggling Covid 19 and my tenant moved out without my knowledge. The place was in bad shape and I asked them to pay the assessments because I could not pay them to avoid loosing the property I have been
paying on since XXXX and still owe {$75000.00} on this property nonthing has been applied towards the principal. I told them I was strugging and needed more time during this Pandemic
.

Now I received a notice that a lawsuit was filed XXXX  XXXX because they failed to inform me that they would not be advavcing the {$4500.00} and now I am going to have to file bk because I am tired of people looking for me all because I helped out the mortgage industry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Repeated attempts to get a refinance or loan modification have resulted only in a heightened level of anxiety for my family. This company, Suntrust XXXX Truist has the same pattern : I request Help They Call me at work and threaten me I get no help I even went to the police to get the calls to stop. 

Every time I request to get a loan refinance or modification, they send me to a third party company that more often then not attempts to sell me some product. 

The only product I want is called " Save Your House '', and that should be free.

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 2019-03-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following is in response to XXXX XXXX XXXX  ( XXXX ) response ( XXXX  ) dated datedXX/XX/XXXX and Beneficial 's response ( XX/XX/XXXX) dated XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable documentation of XXXX XXXX  and Beneficials fraudulent activity and misrepresentation. First, both XXXX and Beneficial assert the property address associated with the alleged note and mortgage as XXXX XXXX, XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX XXXXg, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  ; and XXXX XXXX XXXX XXXX XXXX, NY XXXX and lastly, XXXX XXXX XXXX XXXX, NY XXXX. XXXX NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX  also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX  ( XX/XX/XXXX ), XXXX  (XX/XX/XXXX) and XXXX  ( XX/XX/XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX  ( XXXX  ) consisting of approx. .25 acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX  ( XX/XX/XXXX). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation XXXX  and Beneficial continue to perpetrate. XXXX ( AKA XXXX XXXX XXXX XXXX  ), Beneficial, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has Beneficial misrepresented the facts when they sold the alleged note and mortgage to DJL, XXXX continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX  and XXXX defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payments from my escrow account for the new year of XXXX. As has become the normal business procedures of Fay servicing.

Fay has stolen another {$2900.00} to start out the fiscal year of XXXX. 

I will break down how incompetent and derelict this entity is in performing its business. 
Because of improper use of my impound funds, Fay has caused penalties and interests to be accessed to my property taxes. This has gone on since they acquired the servicing of my loan.

I have requested that my impound account be canceled, that I will handle my own Ins. And Taxes. Fay refuses. So alas, I refuse to send my impound funds for them to play with. 

Point in case. 

I paid all of the taxes for XXXX in full on XX/XX/, see attached receipts. 
First-quarter payment of XXXX taxes were due XX/XX/. Fay sent a payment on XX/XX/. This makes the payment past due 10 days with possible penalties and interest charged. This did not happen as I had paid them in full a month earlier. See attachments Second-quarter payment XXXX taxes Fay sent a payment on XX/XX/. Even after they were aware that all taxes had been paid in full for the year. See attachments I spoke to the County Treasurer and ask if they had received either of the so-called payments made to the XXXX County Treasurer . Their reply was they could find no record of receiving them. And as the taxes had been paid in full. If they had received any payments, they would have been sent back to Fay. 

Now as of this date XX/XX/2021, nothing has been refunded to my impound account. Of course, this is nothing new for Fay. They have not refunded the monies stolen in prior years. 

On XX/XX/, I spoke directly to XXXX XXXX who is supposed to be my account manager. I, ask him when they were going to refund my stolen monies. And of course, got no answer. Also questioned him about the ins payment that was coming due at the end of XXXX. Reminded him they had no need to pay it as I had already paid it in full on XX/XX/. Confirmation Number XXXX. 
I ask him about all the problems. Breach of Contract, Improper use of my impound funds, stolen impound funds. Late or non-payment of taxes, refund of penalties and interest charged me for late or non-payments, refusal, and ignoring my Attorneys outreach.

Now here we are again. Fay has removed another {$2000.00} from my impound account. 

I have filed several complaints about Fay servicing. This just adds another to the list. The replies from the other complaints were ludicrous. Cant wait to see the ridiculous reply I receive back this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$400.00} COLLECTIONS XXXX {$4900.00} XXXX XXXX {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed a FTC report in reference to the following accounts that are we reporting and have not been throughly investigated by the following credit bureaus. This continuous inaccuracy has caused me hardship and denial in extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted XXXX  XXXX XXXX in XXXX, AK when I discovered I had an old cable account from 2008 which was sent to collection. I spoke with a " XXXX '' at Cornerstone regarding this old account, which does not report on my credit report. Asked the balance, amount and where I could make payments when I am ready. 
He called my work today at XXXX from an unknown number during my work business hours to ask if was still going to pay that account. 
I did NOT give him my work number as a contact number or permission to contact me here, EVER, nor did I tell them my employers information. 
They have my current mailing address, that is sufficient. 
This is a violation of the FDCPA!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been shopping for cars for about a month and today XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however when my credit report came back, I was told that I didn't get approved at all because there were a few accounts in negative standing on my credit. I looked through my credit report and I saw two accounts on there that I never opened. The accounts are both from this company US BKPT CT CA XXXX. Neither of the accounts from that company belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts. I do not have any contract or agreement with those companies and I never gave them permission to access my credit information.

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 2022-11-16
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: OH
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/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX  and they removed these items, however, Equifax and XXXX  failed to reply at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i just knew this account on this month when i tried to applied a credicard but it was declined so i check my credit report.the credit report show the collection account was created on XX/XX/2020, but i didnt live in NC, im impossible been to the NC hospital.and i didnt received any statement bills, i dont know why this account created under my name.my brother lives in north carolina, his name is XXXX XXXX XXXX, its similar with my name XXXX XXXX XXXX, i dont have his SSN, i worked for him in north carolina couple years ago.please double check the information,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Without any approval a Doctors office charged a fee that was already paid for through my health insurance on my Citi credit card that had a XXXX balance. 
Being that I did not ever use that credit card I was unaware that there was a fee charged to the card. 
When I checked my credit score and noticed it went down significantly I discovered the issue. 
Contacted the doctor and Citibank the charge was reversed and all of the interest and late fees were reversed as well. 
While the charge was pending - Citi sent to the credit bureau a mark of serious delinquency to my credit file. 

Contacted Citi on XX/XX/2016 to reverse the notification to the credit bureau. They never removed the delinquencies on my report. 

See .pdf file for charge/fees and reversal of all Credit card remains at XXXX balance

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 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
An account was opened XX/XX/2019 with Capitol One Bank. The address attached to the account was in XXXX, Texas. I never lived in XXXX, Texas. I never opened an account with Capitol One. 
My sister recently placed me on her accounts as an authorized user and neither of us ever lived in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened the platinum checking account on XXXX in branch. The banker assured me that once the requirement completed. I will receive the {$400.00} bonus. 
Received a direct deposit of $ XXXX within 60 days of account opening. Already contacted the customer service. The {$400.00} bonus has not been posted yet.

Company response to consumer: Closed with explanation