BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/21 i was making a deposit thru the atm upon me depositing check atm powered off the atm keep my debit card and didnt make the deposit but kept the check I went inside branch to summit claim # XXXX i was told i was going to get a provisional credit in the amount of XXXX the following business day. on XX/XX/21 i made another deposit for a check endorse over to me for XXXX now my account froze 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 explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

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 explanation
Consumer complaint received 2018-09-13
Company: Santander Consumer USA Holdings Inc.
State: PA
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 been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: CO
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:
After sending information to verify myself with my disputes, including their internal file number ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 72 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXXXXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX not mine XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} not mine XXXX XXXX XXXX XXXXXXXX XXXX. XXXX {$810.00} not mine XXXX XXXX XXXX   XXXX XXXX XXXX XXXX {$830.00} not mine XXXX   XXXX XXXX {$6800.00} not mine

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 2018-07-17
Company: PNC Bank N.A.
State: DE
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : PNC BANK Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had called about a loan deferral on XX/XX/XXXX. I was current in XXXX and was requesting a 2 month deferral. That would be XXXX and XXXX being deferred. The deferral was rejected when I paid XXXX mortgage. This is unfair as the customer service representative on a prior dispute admitted we were discussing a 2 month deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC Systems is reporting on my credit report. I have never received any notification from them, nor an opportunity to validate the alleged debt. 

Furthermore, I never gave them my social security number or name so Im not sure where/how they got this information. 

They are holding up my home buying process illegally by attempting to extort money from people without providing any 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 2018-07-17
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, I could not access my account at XXXX XXXX to make a payment. I contacted Customer Service ( CS ) and reported inability to access account and they informed me that a payment had been made leaving my account in a credit balance. I informed them that I had not made that payment and close the account immediately. Gave them my information and was told fraud investigation was being initiated. I later found out that XXXX XXXX accepted the payment which cleared and they opened another account and crooks had access to my account. After many calls, I was finally given a password in XXXX by CS who was sensitive to my aggravation. After that I was in contact with Mrs. XXXX who told me she was sorry and I told her I had not been able to access my account and I was receiving correspondence via email of the changes on my account and they ghad been sending my cards to persons in Fla. No one bothered to close the accounbt in XXXX. Crooks had access to my account, got credit increases and the whole personality of my account changed as I later found out via Mrs. XXXX butr XXXX XXXX kept changing cards and mailing them to everyone but me. My initial credit card was in my possession during these times. XXXX XXXX cleared off some interest and charges but told me I was responsible for XXXX. They accepted the funds received from crooks and yet they were charging me. They got over like a fat rat and I am not paying. I filed a police report on XXXX XXXX after speaking with XXXX XXXX. Report # XXXX XXXX, Ohio police dept. This is a hot mess and I am XXXX years old and now theyt charged off account and gave to collection agency. I told collection agency take me to court and I got all the info for the judge and I am not paying a XXXX dime - ever!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian charged me a monthly fee for over 8 months ( {$21.00} ) for a service I didn't request. They claim that I gave them authorization to charge my credit card monthly, after signing up for a {$1.00} promotion on XX/XX/2017. If I didn't cancel the promotion within 7 days they started charging me the full monthly amount. I never received updates via email letting me know how my credit was doing so I wasn't aware I was being charged. Yesterday, XX/XX/XXXX, I looked at my credit card statement and noticed a pending charge of {$21.00} from Experian. I went back to see how long this charge has been hitting my account. I saw monthly charges starting in XX/XX/2017, and realized that they'd been charging me monthly since then- that's over 8 months! I did not authorize these payments - the only charge I authorized was for {$1.00} back on XX/XX/2017. 
When I finally got through to an Experian customer service rep, they said they could only refund the current month 's charges - XX/XX/2017.  They said that by authorizing the {$1.00} promotion, if not canceled within 7 days, they would continue a monthly charge of {$21.00} to my credit card. 
I'm disturbed by this practice, along with the fact that to cancel the membership I had to input my social security number on the telephone, instead of asking for an account number as a reference. I feel taken advantage of financially, and am angry about their lack of transparency and communication. It just felt sneaky and predatory.

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 2018-03-23
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We began the loan modification waterfall process in XX/XX/XXXX. Since this is an FHA file, we were aware that we would need to go through loan mod before moving into short sale. We placed the property on the market and began the process while searching for a buyer. In early XX/XX/XXXX, we were told that the loan mod had been declined and we were moving into short sale. The same day, I initiated the file in XXXX. An appraiser contacted my office for access and said he was sent there by Mr. Cooper. I mentioned this to our representative and she denied that the appraiser was sent and said that the FHA was taking " 15+ days for a response. '' It has now been 42 days since she sent the file to HUD and I am concerned if anyone is actually working this file. The client also regularly logs in to his Mr. Cooper account and says his account still has no information regarding the short sale. There has been no real movement on this file and I would hate to lose such a patient buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CHASE CLOSE MY XXXX VISA SIGNATURE CREDIT CARD THIS ACCOUNT ENDING IN # XXXX ON XX/XX/XXXX TH AFTER I WAS TOLD TO CALL BACK WHEN I GOT A LETTER FROM CHASE CREDIT CARD SERVICES TO SEE IF MY ACCOUNT WOULD REOPEN OR STAY CLOSED. MY ACCOUNT FOR THIS CREDIT CARD IS NEVER LATE ON PAYMENTS SINCE ITS BEEN OPEN ABOUT 6 MONTHS NOW. THIS ACCOUNT HAS NEVER BEEN LATE. WHY WOULD CHASE TARGET MY ACCOUNT FOR CLOSURE?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
we have some fraudulent activity years ago, These companies said they would be deleting these accounts XXXX XXXX did their job. all clear XXXX  and XXXX  needs to remove XXXX  account XXXX XXXX  account XXXX XXXX XXXX XXXX bank of america 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 explanation
Consumer complaint received 2018-03-10
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we signed our loan modification with nationstar Mortgage now Mr. Cooper under the Making home affordable program, since this loan modification was signed we never missed a payment neither make a late payment. 
On the loan modification agreement that we signed section XXXX. stated that we ( nationstar mortgage ) will defer XXXX of our outstanding principal. Provided we are not in default on the new payments such that the equivalent of three full months. 
The deferred will be on installments basis on each of the first, second and third anniversaries of XX/XX/XXXX, equal one third of XXXX which is XXXX e : g ( XX/XX/XXXX XX/XX/XXXX = XXXX should be defer. XX/XX/XXXX XXXX = XXXX should be defer. XX/XX/XXXX XX/XX/XXXX = XXXX and again we have never missed a payment. 
Last year they defer XXXX for the period of XX/XX/XXXX XX/XX/XXXX and at the end of the year they send us a XXXX ( cancellation of debt ) which we use to filed our taxes. 
This year meaning for period XX/XX/XXXX XX/XX/XXXX nation mortgage refused to send out the XXXX up till now I have not receive it yet I have called and called they keep given me different story and this is the only proof that we can get that this debt has been canceled as is stated on the agreements and we need this documents to do our taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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:
XXXX XXXX, ACCOUNT NO. XXXX CORRECTLY HAS A DATE OF FIRST DELINQUENCY OF XX/XX/2015. 
XXXX ACCOUNT WAS 30 DAYS LATE ON XX/XX/2015. 
60 DAYS LATE ON XX/XX/2015 90 DAYS LATE ON XX/XX/2015 120 DAYS LATE ON XX/XX/2015 150 DAYS LATE ON XX/XX/2015. 
CHARGED OFF IN XX/XX/2015. 
ANY OTHER DEPICTION ON ANY CREDIT REPORT IS ERRONEOUS, FRAUDULENT, SYMPTOMATIC OF ILLEGAL RE-AGING, A VIOLATION OF THE FCRA AND DODD-FRANK, THE LAW OF THE LAND. 
ACCORDING TO THE FCRA EACH FALSE VERIFICATION, BY A BUREAU CARRIES {$100.00} TO {$1000.00} PENALTIES TO BE PAID THE INJURED CONSUMER REGARDLESS OF INTENT OR NEGLIGENCE. 
ALL VERIFICATIONS BY XXXX  AND EXPERIAN HAVE BEEN ILLEGALLY ERRONEOUS FOR THE ABOVE FACTS REGARDING ACCURATE PAYMENT HISTORY. 
THE ACTION OF THE BUREAUS FROM THIS COMPLAINT MUST ABIDE BY THE ACTIONS DICTATED BY THE FCRA OR FACE LEGAL CONSEQUENCES OF INACTION REPRESENTED BY PAST PATTERNS AND PRACTICE OF DISPUTE RESOLUTIONS.

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 2023-06-09
Company: EQUIFAX, INC.
State: OH
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 just received a notice about a credit inquiry I did not authorize : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 

INFORMATION FOUND Lender : XXXX Inquiry date : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: IN
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 filed a dispute with all 3 credit bureaus they failed re remove the accounts affected by identity theft within 4 days per FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ALL REQUIRED PAPERWORK SENT CERTIFIED MAIL USPS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a modification on my home loan from Nationstar/Mr. Cooper sinceXX/XX/XXXX. Each time I call to see if the documentation has been received I am told to send it in again, that they have not received it. I have attached with this complaint, the last four letters received from Mr. Cooper. The requested information on the letter datedXX/XX/XXXX which is the current lease agreements for the two apartments I rent in my building, plus the mortgage statement for the other rental property at another address. All I am trying to do is get a modification on the building I have lived in for over 13 years now. The original loan documents as well as the papers where servicing of my loan has been transferred on several occasions, to different servicing companies has still not been provided to me as requested years/months ago. I have also included with this complaint each email I have sent in, that included the documents requested from the loan modification department, since XX/XX/XXXX, along with a Comparative Market Analysis of my area as well. I just want a fair modification on my loan, as I have been paying the high mortgage payment amount each month. The documentation I am uploading on their website along with the emails I have continuously sent in, as well as the packages I have mailed in seem to keep disappearing or not getting to the company. I have also provided the two receipts from the post office indicating I did send documentation to Mr. Cooper as well, on at lease two separate occasions. So I have no choice but to sentd this complaint to the XXXX, CFPB, as well as Mr. Coopers corporate office, complaint office and the loan modification department to receive some assistance with this matter. All I want is a fair modification on this loan and acknowledgment that I have been sending in the requested documents for months. Thanking you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: LendingPoint Holdings LLC
State: FL
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an XXXX XXXX XXXX Credit Card. I receive paperless notification from XXXX. On XX/XX/XXXX XXXX sent me an electronic letter stating " Your new account has additional information that needs to be verified in order to maintain your account. '' Granite this notification came 8 months after I had opened my account. I received an additional notification on XX/XX/XXXX, will attach letters for reference. On XX/XX/XXXX I received my XXXX Credit Report stating that my XXXX XXXX account was closed. I didn't check my XXXX Account until XX/XX/XXXX and saw the letters. I then proceeded to call XXXX XXXX and inquire why they closed my XXXX XXXX XXXX XXXX Account. They said because I did not respond and verify my address. I have never had to do this with any credit card before. My home address had not changed since I opened my XXXX 's account on XX/XX/XXXX. I know this for a fact because I signed papers on my townhouse XX/XX/XXXX and moved in XX/XX/XXXX. On that Monday XX/XX/XXXX I went to XXXX to find bathroom essential for my new 3 bathrooms. To save money I opened up a XXXX XXXX XXXX XXXX Credit Card. Also, I had a wedding registry at XXXX 's with my townhouse address linked to my registry. Several packages had been shipped to my townhouse. For these reasons, I believe that XXXX 's is well aware of my current address and should not of closed my XXXX credit card. XXXX is aware that they have lost a customer for life due to this. 

By XXXX 's closing my credit card, my credit score decreased. I would like the closed account to be removed from my credit score.

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 2021-06-09
Company: EQUIFAX, INC.
State: IN
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:
These XXXX time payment accounts need to be deleted for inaccuracy because the date of last activity is different on each bureau, payment history is incorrect, I was never late and I disputed this information over 30 days ago and it still doesnt show disputed by consumer!!!!!

Company response to consumer: Closed with explanation