BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
On XX/XX/2020 I attempted to pay off my vehicle loan with Chrysler Capital Account # XXXX. I received a payoff quote on Chrysler Capital 's website, but when I tried to make a one-time payment, the website said that the daily limit was {$2900.00}. I tried various methods online, none of which allowed me to make the payment. I then called Chrysler Capital, and they told me that they would not accept a payment greater than {$2900.00} on their website. I was told my options were to 1 ) mail a paper check, 2 ) make 12 to 13 payments of {$2900.00} each, or 3 ) figure it out with my bank on how to pay CC, such as getting a cashier 's check. I am not about to go to my bank in the middle of a pandemic to figure out how to pay an auto finance company, and I don't use paper checks due to identity theft that has happened to me before by using paper checks. So I guess I'm stuck with making 13 payments over the next 13 days, all while CC continues to assess daily interest on my account. The call was escalated to a manager and then to the executive support team. No one could tell me why the {$2900.00} daily limit was in place, so I am left to assume that CC wants to make it hard for their customers to pay off their loans so they can accrue more interest. Shameful - I've had ~10 auto loans in my life and I have paid all of them off early, either by a simple phone call or online. Chrysler Capital 's policy is clearly UDAAP - by saying they have no prepayment penalty, they neglect to calculate the additional interest a consumer will incur by navigating their arcane payoff methods. Chrysler Capital could teach cable companies a thing or two about making it hard for customers to end their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
my mortgage company Shellpoint Services offered to defer my payments for XXXX and XXXX of 2020 due to Covid, I said ok and they stated I would only have to pay the escrow due, which I did. 
I am now attempting to refinance my loan through XXXX and have to pay off the deferred amount to finish the approval process. I called shellpoint and asked how I could do that because the portal I use for my payments does not show that I owe any deferred amounts. they told me that the only way to pay the deferred amount is to pay the entire loan off which is over {$130000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 a mailed a formal letter to EQUIFAX requesting documentation validating ( provable documents as to the accuracy, completeness, timeliness and otherwise compliance of how account is reported ) of XXXX XXXX/XXXX  Account # XXXX that is listed on my report. 

As of today, XX/XX/2020, XXXX  has yet to provide this information within the allotted 30 days. I request that Equifax delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE 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:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please update.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple accounts are reporting on my credit reports, that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX 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 2020-07-14
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection account on my credit from a company I have never heard of. It is reporting an amount of XXXX. I have no knowledge of this bill nor have I had any medical attention recently. I am afraid this is also a breach of HIPPA. I have submitted 2 disputes and both were only given 24-48 and denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am the author of this complaint and I recently checked my credit report and saw some fraudulent, inaccurate, and incomplete accounts that are being reported. Please conduct a reasonable investigation, state method of verification and DELETE all the accounts mentioned below. My driver 's license, social security card, and an identity theft report has been attached to this complaint XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
During the period of XXXX and late XXXX I went through identity theft and due to this troubling experience I got canceled by a credit card company they were aware of the situation and stil decided to close my account and now Im having this issue on my credit report

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and my 3 credit reporting agencies removed some incorrect information but not all and some were put back on my credit report after they were previously removed.

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 2023-06-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Opened fraudulently XXXX XXXX XXXX  now was handed to XXXX XXXX XXXX. 
Open fraudulently on XXXX of 2020 per the last credit report. 
XXXX XXXX checking account XXXX XXXX XXXXXXXX XXXX BB & T

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 2020-09-25
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: Account information incorrect

Complaint:
on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from XXXX, XXXX, AND EXPERIAN. So on the XXXX of XXXX, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well

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 2017-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but none of these was follow,

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 2022-12-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my husbands company gave him a check for us to get XXXX presents, my medication, and other things. I deposited the check on XX/XX/XXXX on the Wells Fargo app. It said {$400.00} would be available at that moment then the rest would deposit XX/XX/XXXX. That to me was fair. I woke up and the money wasnt there. They said it would be deposited in 7 business days which is really longer because of the weekend. Everything in our account was going to bills because I started paying bills immediately. I called spoke to managers who have in the past over rode the system so we could have funds available. We asked to reverse the check so we could go cash it at the bank that issued it. They would not let us. The manager was rude to me. Very rude. Several managers said they could help us but when calling that department they decided they didnt want to help us. They could but they didnt want to help us. They told me they use to be able to over ride these long holds but cant now. I asked why are yall moving backwards. Seems that over riding these in emergency situations especially when its a check from the same company that direct deposited in our account twice a month.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE 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:
Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$600.00}

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 non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE 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:
I submitted disputes multiple times in regards to BANKRUPTCY XXXX XXXX DISMISSED reporting on my credit report. Transunion and XXXX continue to report this Bankruptcy even after i informed them that I have never filed Bankruptcy. They claim to be verifying this information with XXXX. I have contacted XXXX and this Bankruptcy was removed from their system as being unverifiable! How does Transunion and XXXX verify information that is unverifiable with the supposed agency giving them the information? This FALSE reporting on my credit report has caused great harm to my credit. I am submitting evidence that the Transunion and XXXX continue to cause harm to my credit and evidence that XXXX has said themselves that this information is UNVERIFIABLE and has been REMOVED from their system.. TransUnion and XXXX must be held accountable for the blatant disregard of federal law pertaining to accurate credit reporting and the FCRA.

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 2020-07-14
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive made 2 previous inquiries to Freedom Mortgage via phone about removal of PMI ( Private Mortgage Insurance ) once my loan to value was under 80 % in XXXX. I was told that PMI wouldnt be  removed until the original date the loan is due to be under 80 % ( several years from now ), even if I reached this number sooner than that date. I sent an electronic message via the Freedom Mortgage website on XX/XX/XXXX. I received an electronic response that stated informed us about the " BPO Process '' and getting our house appraised in order to start the process for PMI removal. This was the first time i was notified about this process and appraisal. Whether deliberate or customer service incompetence ( or lack of knowledge ), I've overpaid PMI Fees since XX/XX/XXXX. Freedom mortgage failed to inform us about the BPO process during my previous inquiries. We were not informed of the BPO process until Freedoms Mortgage 's reply on XX/XX/XXXX. Since we've met all requirements for removal of PMI since XX/XX/XXXX. On XX/XX/XXXXWe sent a electronic message via the Freedom Mortgage website requesting that they waive the BPO fee of {$100.00}, and refund all PMI payments made following the loan balance reaching 80 % of original value. On XX/XX/XXXX we paid the mortgage in full ; we called Freedom mortgage to make sure the wired funds were received and to check on the PMI request. The representative stated that the wire was received ; however, they did not see the written request made on XX/XX/XXXX. I informed the representative about my request to refund PMI payments, and they she stated that thats not something they typically do.

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 2023-06-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I opened the car in XXXX XXXX. With a limit of around XXXX. In XX/XX/XXXX my limit was dropped to XXXX. I called and tried to get someone to fix it but they treated me horribly. I asked for a manager and the person placed me on hold and came back to the phone stating a different name saying he was the manager. When I told him I knew he wasnt he argued with me. He told me they would not review my account or credit and that they dont make mistakes. They told me that was all I could have so i instead asked for an increase with another card and was granted it so I didnt need to use this card. I just received post dated for XX/XX/XXXX saying they made and error and should not have approved me in XXXX stating my score was XXXX at that time. It was not. My score at that time was 690-700 between the three bureaus. I also did not have high balances on my cards and this letter said that I did. This is a shady business practice because this is not my information and this company needs to be investigated for credit discrepancies or inaccurate reporting. This is synchrony Ashley furniture store card.

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 2022-12-16
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I'm with Honda Financial Service, I'm talking to pay the late payments for XXXX  months, I have the money to pay and what they do is make excuses after excuses so that time continues to run to collect more than what it is. The reason I couldn't pay was that my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account name-jefferson capital system Account type-debt buye Date XXXX Status- {$950.00} is due Originally cmditor-XXXX XXXX  I called and disputed it twice and got denied, was told to file police report for record of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I havent be able to pay it in 15+ years I asked to get them both of them dismissed and I dont know how to do all this they said to keep doing a. Forbidden and I cant remember to do this all the time forever it just adds more stress in my life with all this other stuff I have to deal with like my wife who was trying to XXXX  me report number XXXX and XXXX me and give me XXXX XXXX XXXX XXXX shouldnt you want to give up after all that. I didnt I got very sick and in the hospital and to get out 2 hour late I got tee boned and brought back to the hospital life sucks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I received a phone call from XXXX XXXX and they told me that I had a debt owed to them. I informed him that I had now moved from XXXX  to XXXX and didn't have any knowledge of the debt. I then paid {$52.00} and was told that it would resolve the debt. I received no additional communication in regards to this debt until I reached out to them due to doing an inquiry of my credit score in XXXX due to looking for a home for my children to move to XXXX with me. It was only then that I noticed that XXXX XXXX XXXX had put a {$100.00} collections on my credit report. I initiated a call to them and they informed me that this was a debt that I owed to XXXX XXXX. I disputed the claim and patiently waited for the outcome knowing that this was taken care of in XXXX of XXXX. Needless to say they didn't contact me with the result and I was only made aware that the dispute was declined by calling them. So from XXXX of XXXX to XXXX of XXXX not one form of communication and when we finally speak it was already placed on my credit report. I feel that this is unfair as if they had communicated to me via phone or the by mail to my new address in XXXX it would have never got to this point. Impacting a persons credit in the middle of the Covid Pandemic with no communication to the individual has had a life changing impact on my ability to secure the things I need to make my children 's and my life better. {$100.00} = 40 point impact on my credit score with no communication is simply not fair nor business like. Simply careless on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation