BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/2016 {$1900.00} different higher loan amount from original agreement

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 2020-11-06
Company: Santander Consumer USA Holdings Inc.
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, Chrysler Capital received a check from myself to pay off the lease-buyout. I included the pdf of the pay off amount and that it was good through XX/XX/XXXX. On XX/XX/XXXX, said check was cashed, but my account showed that I was past due on my payment. I previously put a stop payment on my checking account through XXXX to prevent a Chrysler Capital from debiting my account. When I called, a customer service representative stated to, Give it 48 hours max to close the account. I called Monday and it is now Friday and my account is showing past due payment. My account does not show the pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is charging customers an extra 10 days of interest on loans being paid ELECTRONICALLY over the phone. The only time Navient states to collect extra interest fees is if payment is MAILED.  After payments are processed and updated retroactively to DATE paid over the phone, Navient is NOT returning the entire 10 days of extra interest paid on SEVERAL loans. It is fraud, deception, and corruption! 

Also, once a loan is paid in full, a customer is UNABLE to retrieve any history of the loans online. The customer service reps will repeat the same over the phone. I want a COMPLETE history of ALL of my loans with Navient and all information transferred over from Sallie Mae. I was not granted the request of all history from origination dates. Navient is corrupt and makes things very muddy and customers are NOT afforded honest transparency. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Iconic Mortgage Corp.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received both mail solicitation and telephone solicitation from Iconic Mortgage, Inc, a mortgage broker firm in XXXX Florida. They claimed to be calling me about a " new VA loan program '', a XXXX Hybrid loan. This is not a new loan program. 

After discussing further, the loan representative state this program would allow for a 2.375 % rate in the first 3 years and that in year 4, the highest the rate could go up would be 3.375 %. At this point, I would be able to lock in the 3.375 % rate as long as I had no 30day late payments. She reiterated that I would be able to lock in the 3.375 % rate in year 4 and that this loan would save thousands of dollars. 

I found many misleading statements that would have cost me thousands of dollars in additional debt. Here is a summary of the misleading items I identified after reviewing the documents they sent a notary out to my house to sign : The figures provided by the loan rep summarizing the loan were incorrect and misleading. Principal payment with the 2.375 % 3/1 Hybrid is XXXX/mo but I was told via email it would be $ XXXX/mo with over {$53000.00} in principal payment by year 4. 

After 4 years, my loan balance would have actually be HIGHER with this refinance by almost {$10000.00}. At this point, I would have been subjected to an adjustable rate when interest rates would almost certainly higher than current rates. My payment would have gone up and I would have paid less into principal. 

I was told this loan allowed for me to lock in a 3.375 % interest rate in year 4. I asked for documentation proving this. In fact, everything I was given stated I would be able to lock at MARKET RATES, which will almost certainly be higher than 3.375 % and my current 3.875 % fixed rate. 

The Lender Certification within the packet sent to me stated I would recoup my loan costs in 8 months because they used monthly savings that were my FULL Principal and Interest payment on the loan, not savings from my current loan. This is, at best, an egregious error and, at worst, intentionally misleading and possible fraud. 

Finally, the closing costs were outrageous. They were charging 0.25 % in points for the interest rate, which was never disclosed to me in our conversations or emails. They also had an origination charge of 1 % along with a {$590.00} " underwriting fee '', MUCH higher than costs charged by almost any VA lender. 

I believe Iconic Mortgage, Inc uses false and misleading statements and advertisements to lure veterans into a costly refinance where the mortgage broker, their company and the lender make money at the veteran 's expense. Other veterans without the experience and knowledge to identify these items would lose tens of THOUSANDS of dollars with a refinance like this. That cost would almost certainly go up over the life of the loan if and when interest rates rise above current rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Infiniti Financial Services XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Acct : XXXX XXXX XXXX Vehicle XXXX XXXX XXXX XXXX Lease amount : {$390.00} Infiniti Financial incorrectly reported that I was 30 day late with my XX/XX/XXXX payment. On XX/XX/XXXX, I called Infiniti financial to make a payment over the telephone and to request to extend my lease to XX/XX/XXXX. When I called I tried to make a payment over the phone, but the representative told me the system was not working to accept the payment. The representative advised me to call later or to make the payment online. 

I made my XXXX XXXX payment online, on XX/XX/XXXX. I was not more than 30 days late. Payment was made XX/XX/XXXX, but Infiniti payment system did not properly process the payment on time. I should not be punished, and suffered the consequences of having a 30 day late payment history on my credit report for 7 years, for Infiniti 's own mistake. It is not fair. 

I called and tried to explained this to Infiniti. Instead, I was mocked by the representative, who told me I was lying and that the company couldn't do anything. 

I should not bear this negative information, just because the company 's own failure to correct its system. I need you're help in reversing this incorrect, 30 days late payment on credit report. 

Another issue, is that even though I paid, XX/XX/XXXX and now XX/XX/XXXX 's payment. Infiniti reports on my credit, that I owe, XX/XX/XXXX and XX/XX/XXXX 's payment. When I asked why, I was explained that they charge in advance and this is why my credit reflects two payments instead of one. This inaccurate information negatively impacts my credit, because it seems that I two payments behind, when I am not. 

Third, I have requested more than 2 months ago, proof that Infiniti paid 2 parking tickets, I already paid. I called the company numerous time. Every time, I called I get the same answer : " We have requested the information from the Accounting Department. It takes 2 weeks to get it. Once  available, we will mail it to you. '' It's been more than 2 months and I have not yet received anything. 

I appreciate any help in solving these issues. I have tried to talk to Infiniti, without any success. The company is not willing to help. Since XXXX, when I took this lease, I have made payments on time. I have 3 years of on time payment history. I was not late on my XXXX XXXX payment. I should not bear the cost of 7 years of negative, incorrect information, when the company is at fault. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SYNCHRONY FINANCIAL
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I proactively called Paypal Credit about a private party transaction before the purchase of a bicycle to make sure it qualified as a special financing transaction subject to a 0 % interest rate if paid in full within 6 months. Purchase protection was even purchased from Paypal during the transaction. When purchased, the coding was done incorrectly and the transaction was treated as a simple cash advance. When trying to rectify the situation both parties directed me to each other to fix the issue. Synchrony 's representative blamed its policy for not being willing to modify the loan even though their partner made an error. Paypal representative said it was beyond his authority and forwarded me to Synchrony. The consumer is now the one who has to either pay a large sum of money ( unexpectedly ) or pay a very high interest rate because of an error neither company is willing to rectify. I am very disappointed in both of these companies.

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 2023-03-10
Company: Applied Data Finance, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I'm renting a home with another person. I received text from my roommate saying that XXXX XXXX XXXX XXXX has called her multiple times asking for me and my location. I contacted them and told the representative that it was inappropriate and it violates confidentially agreement. I also have the voicemail & text messages to prove this incident. 

The company 's information is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cabinet installer overcharged me and he had to give me a refund of {$500.00}. Since his work was far we both agreed to use XXXX on Bank of America mobile transfer since it's advertised as it's quick, easy and secure. So he sent {$500.00} via XXXX, I got a text message that the cabinet installer sent me {$500.00}. so I checked my account on Bank of America, but the money never come in. He showed me the transaction was completed, he put the correct phone number, there was no mistake to send to the right recipient which is me. We both called Bank of America, they said they will fix the problem but after filing 2 disputes and 2 claims against the error that Bank of America has occurred, they clearly lost the money, 3 of the bank 's representatives said and admitted that they are not supposed to tell customers not to use XXXX to send or receive money because it is not the most secure way to make money transfer. After waiting for their decision and the bank is now saying only thing we can do is filing a legal action against Bank of America. Please let the bank stop giving misleading advertisement with 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 2021-09-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX of 2021, I mailed a letter demanding for all 3 credit companies to update my correct name and home address. I also sent a copy of my social security card and driver 's license with correct information. I demanded them to remove all incorrect address and name. Which they file to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: GA
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 advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX NA 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 2018-07-16
Company: CL Holdings LLC
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is the current creditor for a XXXX XXXX account. The total amount of the debt was {$1000.00}. On XX/XX/2018 I called XXXX XXXX and spoke with a supervisor named XXXX XXXX. He told me more than once we were on a recorded line. We agreed to a settlement in full amount of {$520.00}. I asked him to email me this information before I agree to it. He explained he couldn't for security reasons. He went on to say I would receive this agreement via the US mail system and another notice saying it was settled in full once the {$520.00} was paid. I haven't received either one. He also said my credit report would say settled in full. Again he said I had nothing to worry about as we were on a recorded line. I agreed to the {$520.00} which was paid on XX/XX/2018 as agreed settled in full. My XXXX credit report shows my payment but still shows I have a balance due of {$520.00}. This balance due needs to be removed and show settled in full and I need to receive the notice my debt is settled. I filed a dispute with XXXX with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX calling about a debt i do not owe and better stop calling or i will sue them!

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 2022-03-30
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC, for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from LVNC Funding LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I have not validated any alleged debt with LVNV Funding LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving LVNV Funding LLC any right to collect on this alleged debt. 
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a used car in 2015 and received a 24 % interest rate due to my low credit score. Now my credit score has increased about 100 points and the loan company will not work with me to lower my interest rate. They suggested I refinance with another company because they do n't do refinances. Well, other companies wo n't refinance me due to how much I 'm upside down on the car due to the high interest rate. With this current interest rate I 've not made any progress towards the balance. I have had some payment deferrals and understand those effect my balance too, but if I had a reasonable interest rate I could make more progress and get this car paid off. They refuse to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my 11th complaint that I am filing against EQUIFAX. There were two [ 2 ] deleted inquiries from my EQUIFAX credit report after my disputes and now EQUIFAX is liable to compensate me with monetary remedy. 

The two inquiries deleted were : XXXX XXXX XXXX XXXX XXXX XXXX By deleting the inquiries off my report, EQUIFAX is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EQUIFAX rightfully deleted the inquires. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a " consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. " Pursuant to 15 U.S. Code 1681o, EQUIFAX is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. I have been going at this case for over 100 days now and I will not stop until I get compensated as EQUIFAX is liable by law to pay my invoice. I will attach Exhibits to this complaint that prove the deletion of the inquiries following my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I checked my credit report to find that a company named Commonwealth Financial had added an account to my credit file claiming that I owe them {$940.00} on XX/XX/2018. I have never had an account with this company and I am very upset that these people can just added a debt to someone's credit files unknowingly! I have never received anything from this company and do not know anything about them. It should be illegal for someone to just add an account to someone to get money that you don't owe them!!! My score has dropped almost 70 points because of this company!! I am in the process of making a major purchase soon and these people have caused my score to drop like this when I don't owe them a dime!! This is ridiculous and is just another way to keep a person from ever having good credit! I had nothing negative in my credit files until these people added this fraudulent account! Can you please help me with this??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XXXX my account was overdrawn {$31.00} at end of daily transactions. I was charged two {$34.00} insufficient funds fee. I had enough in my account cover all but one item. I should have been charged only one fee. The withdraws were sequences so they could charge me two fees. I was charge {$34.00} for a {$20.00} item and {$34.00} for a {$25.00} item. Page 2 reflects several withdraws with amount greater than {$31.00}. They paid highest amt to lowest amt which results in Chase being able to collect more fee.
I spoke to XXXX XXXX ( supervisor ). She said she could only refund me back {$14.00} of the {$68.00} they charged me because I had been refunded fees in the past.
My complaint is had they not sequenced the way they did I would have only had one {$34.00} fee not two.

Company response to consumer: Closed with monetary relief