BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Santander Consumer USA Holdings 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:
Chrysler Capital is destroying my credit score by reporting my lease as late to XXXX XXXX and XXXX XXXX. I made arrangements in XXXX with Chrysler to extend the lease the lease terms due to Covid related financial hardships. Chrysler assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has Chrysler been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted Chrysler 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to Chrysler on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone ; XXXX XXXX Debt collector company reach me attempt to collect a debt to First Cash File number XXXX I make a payment arrangement with them and I paid them XXXX. XXXX to charge off XXXX. I try to reach them back i never get the communication, they do not sent me the receipt the same day until I contact them and I leave a voice mail because they never answer the phone. I suppose to paid XXXX on the XXXX but I do not paid because when I try to reach this company nobody answer. I try to many time to reach them back I never get a respond. I get bad vibes, I look online I don't find this company online look by the phone and people talk about this is a scam. They call me back today XXXX because they can not process the amount of XXXX. I explain everything to XXXX that is the name of the person that call me. She gave me the website but I never find that website ; XXXX. We have a little discussion but I do not want to continue with this so I hang up. That's why im making this complain. To see if this company can check if this is true or is a scam. Also help other with my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXXXXXX XXXX XXXX is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: One Source Technology
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on my consumer report there is only 1 item and it is 30 years old iam requesting that it be removed ... charge was XX/XX/1996 22years old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx. 
XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Height : XXXX '' Weight : XXXX lbs Hair : XXXX Eyes : XXXX Alias ( es ) : XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX CASE SUMMARY Case # File Date Court Type Case Disposition Disposition Date XXXX n/a COMBINED n/a n/a Offense ( s ) Offense Date Level Offense Disposition Disposition Date XXXX XXXX XXXX XXXX XXXX XXXX n/a XXXX CONVICTED - LESSER CHARGE XX/XX/1996 CASE DETAILS Supplemental Information : Originating Agency : XXXX XXXX PD Case Notes : CAUSE NUMBER : XXXX OFFENSE - XXXX XXXX/ XXXX XXXX XXXX XXXX ( XXXX ) DEGREE : XXXX Sentence/Fine Information Sentence Date : XX/XX/1996 Note : AGENCY : XXXX Supplemental Information Statute : 38.15 ( a ) Code : XXXX  Date XXXX : XX/XX/1996 Plea : XXXX Process Information Trial : Offense : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plea : XXXX Disposition : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CITIZENS FINANCIAL GROUP, INC.
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:
This account was opened and used ( without my knowledge or permission ) on XX/XX/XXXX. My sister set up the account, using her info as contact info and my ssn and name as billing info. The balance is XXXX. On XX/XX/XXXX, I called to file a fraud claim, and it was denied on XX/XX/XXXX. The credit card could not tell me why it was denied, and the investigations unit was not available. I have lived overseas continuously since XXXX in XXXX XXXX. I have no business in the United States, and I have no authorized credit cards. None of these charges are mine. I am disputing the whole bill. I filed the claim on XX/XX/XXXX, and have submitted documents verifying the claim. 
My sister made all the purchases and opened the card. I have never seen a bill, credit card statement, a purchase, or any online access related to the card. None of the charges are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am customer of USAA and my son is a customer under my account. He just turned XXXX last XX/XX/XXXX and they send me a letter dated the XXXX of XXXX to submit some identification form for the minor and I called the bank explaining that here inXX/XX/XXXXdue to the COVID-19 issue the license place orXX/XX/XXXX is giving out appointments to get ids well over 6 to 8 months away. They without telling us or advising us at all closed the account and with held whatever funds where in both accounts checking and savings for the minor. I contacted them with my son and they didnt wanted to reopen the account after I send the papers that are very sensitive in nature cause its a lot of personal information that now its at the bank site and they tell me they dont know where the info is and they wont speak to me since my son is XXXX and the accounts are frozen unilaterally from their part. I dont understand why they are doing that since we have the account opened for over 8 years and the expected to get an ID in such a short noticed and they wont take the college Id as form and his social security card Was also submitted and they dont know their whereabouts. Thats a real breach in personal security and the people I spoke on the phone only hanged the line and wont tell us where is the photos of his personal info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: NVR INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2019, we received a loan estimate detailing how much we'd owe for down payment on a conventional loan. We decided to switch to a FHA loan after selling our condo to lock in a lower fixed interest rate and reduce cash to close. In early XXXX, we received our first FHA loan estimate stating we needed XXXX cash to close. Given this amount, we decided to finance some of this amount to get to a lower cash to close amount of XXXX. Unknowing to us, the loan officer made a mistake to the amount of the seller credit and had been showing the incorrect amount to us since early XXXX. We are scheduled to close on XX/XX/XXXX and just found out XX/XX/XXXX of the error and are being asked to bring XXXX cash to close with only 6 days notice. We feel this is completely unfair to us and had we known in advance, we could have planned differently and might have made difference decisions. 

At this point, NVR Mortgage/XXXX XXXX is recommending a 5/1 ARM FHA loan to return the amount of money we were paying to lock in the interest rate. Of course this comes with a {$40.00} increase in payment per month because of the interest rate differences and we'd still have to come up with roughly XXXX more than what was on the estimate. This is definitely better than XXXX but the company doesn't appear to be assisting in an error they created and we are being asked to pay for their mistakes by taking a higher interest rate, paying more money cash to close, losing a fixed interest rate, definitely needing to refinance, etc. 

The other option is to stay with the same fixed rate and they reduce the loan amount ( points ) we pay in half from XXXX to XXXX. This will save us XXXX but we are still looking at paying roughly XXXX more than what was on the estimate. I understand that estimates are not perfect but you dont expect them to be XXXX off and we feel completely blindsided by this. I even shared with the loan officer that something similar happened to me before and he assured me that his estimates are never off this much yet I find myself in the same position. Its not so much about the money than it is about doing what's ethical. If you make a mistake, you should do what you can to resolve the problem and I dont feel NVR Mortgage/XXXX XXXX cares to do that at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX  is dismissed and no longer active. Report is reporting incorrectly that case is still active. Needs to be immediately updated.

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 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
cra violation inaccurate information they put formation that is not mine of no knowledge of

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 2018-07-06
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called at least 10 times since XX/XX/XXXX and I have two unresolved problems : ( 1 ) escrow payments being added to my loan without reason and ( 2 ) an insurance policy that should have been refunded, but has not been refunded. ( 1 ) Escrow - I have been charged {$69.00} per month on my loan for escrow that should not be on my loan. I have been charged monthly for the past six months ( XX/XX/XXXX-XX/XX/XXXX ). I would like the escrow to stop and be refunded the balance ( {$460.00} ). ( 2 ) Insurance - an insurance policy was put on my loan that should not have been there ( policy put in force in XX/XX/XXXX and ended in XX/XX/XXXX ). The insurance policy was canceled by the company, but I was not refunded the full amount of the insurance policy ( roughly {$60.00} still needs to be refunded ). I have proof of my own insurance policy that was in force.

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 2019-05-28
Company: Larry H. Miller Group of Companies
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
For nearly 7 years I have had a truck loan with Rally Motor Credit at XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone # XXXX. It has always reported correctly until XX/XX/2019 and now the loan shows removed from my credit report. This is seriously a problem that it has been removed as I only owe apx   : {$1300.00} left on the loan. I have reached out to the company let my rep know of the issue then about 3 weeks later I had a woman XXXX XXXX send me an email asking for a copy of the information on my credit report showing the account had been removed she was very rude in her email and threatened me stating that I had a certain amount of time to respond or she would close the dispute. I screen shotted my credit report with the requested info showing that the account for Rally Motor Credit had been removed from my credit report the same day and sent it to her. I was not very nice about the fact that she had threatened me when this is their mistake. I sent this info on XX/XX/2019. I have not heard back from her at all in 2 weeks. Today I reached out telling them that they have still not gotten back to me and that the account is still not showing on my credit report. I only got a response from my account rep XXXX XXXX stating that I need to contact the credit reporting agencies and deal with the problem with them. I have a huge issue with this due to the fact that it is not the credit reporting agencies mistake it is the companies mistake and they should be the ones to correct this as I have already spent so much of my valuable time to try to get this fixed. I still have not heard back from XXXX. This is fraud and should have been dealt with in a professional manner by Rally Motor Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother had a mortgage. She passed away. I sold the home in XXXX and have been waiting for the escrow refund of XXXX $ ever since. I have been on the phone with this company over 30 times. They have sent checks in the wrong name, the wrong address, given me completion dates of checks that never send. The latest letter I got said they will no longer issue a paper check and it needs to be submitted electronically. I was given completion dates that have come and gone. Supervisors we're supposed to call back and no one has. They keep making notes and sending it to other departments. I have asked for someone to be in charge of my account and help me get this completed and " that's not how they do things ''. The agents numbers I have most recently spoke to are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All I want is the escrow money refunded to me, it has been nearly FIVE MONTHS since the property was sold.

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 2017-11-12
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called ERC, also know as ENHANCED RECOVERY CORP is contacting me about a bill for {$810.00} that does not belong to me. I have no knowledge of ERC. I have never spoken with this company. I do not have a contract with them. I have already contact the BBB about them and they are continuing to post information on my credit report. I have already asked them to remove it and they refuse. I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I called bank of America and was told they could only refund 1 overdraft fee. In the past if I wanted any of the fees refunded they would comply.

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 2020-05-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was in a motor vehicle accident on XX/XX/XXXX Part of the ambulance bill ( XXXX ) was not covered by insurance and was sent to collection prior to me being notified that there was a balance due. 
Wakefield & Associates sent me a bill dated XX/XX/XXXX for {$500.00} Payment was made in full on XX/XX/XXXX which was processed on my spouses credit card and shows as paid. 
In XXXX I noticed the collection on my credit report when my credit score dropped. 
I contacted W & A on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX all of which I was notified that they are going to escalate the matter to a supervisor which has not happened. I have offered to send all my documentation showing that the debt was paid in XXXX and that my credit score is dropping due to this mistake. The company has made no effort to correct their error which is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In the past 2 months my family and I have been heavily impacted by hurricane XXXX. XXXX XXXX is the only bank not acknowledging that we are part of a declared natural disaster area per XXXX. XXXX is not willing to work with me in any way and will not even give us one month to recuperate and get back on our feet. XXXX has reported me 30 days late and according to XXXX XXXX XXXX XXXX Id # XXXX ) ) they will not be deleting any 30 day negative credit reporting.. Not only was this manager so condescending and not at all compassionate, one of the representatives from the collections department ( ID # XXXX ) threatened that the car would be repossessed and hung up the phone on me after acknowledging I wanted to be transferred to customer service. XXXX has shown no consideration, no compassion, no support or concern during this difficult time. Other lenders have proactively reached out to us to assist, postponed payments, and suspended negative credit reporting since XXXX has declared our area a natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ran my credit for the first time and realized someone has been using my identity. I have not gave no one permission to use my social to apply for no credit card.below are the accounts that don't belong to me : XXXX XXXX- Opened XX/XX/XXXX - Amount {$330.00} XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - Amount {$1000.00} 3 ) XXXX   XXXX / XXXX XXXX Opened XXXX Amount {$0.00} 4 ) XXXX- Opened XXXX Amount {$0.00} 5 ) XXXX XXXX- Opened XXXX Amount {$0.00} 6 ) XXXX  XXXX XXXX- Opened XXXX Amount {$0.00} 7 ) XXXX XXXX XXXX- Opened XX/XX/XXXX - Amount {$900.00} 8 ) XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX - Amount {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: AL
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 was told that there is noting thati can do once i let one company check my credit they an use as many companys as they want to and i filed bk they should remove some of the creditor that i apply for

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 2019-05-28
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: Account information incorrect

Complaint:
I have a few accounts that are unverified on my credit report. I contacted XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX this the third time I have disputed the above accounts with no response from the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX XXXX Police Report # 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