BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am making a complaint about the account CARMAX AUTO FINANCE reporting onto my credit. This account is fraudulent and was not opened by me. I did not authorize or give consent for this account to be opened. I believe this account was opened by a family member of mine using my personal information without permission. I am requesting to have this account taken off of my report as this is a fraudulent account. I have filed an identity theft report and can provide that as well as any documents needed. Have made several disputes with the credit bureaus to no avail, XXXX what to do, and need help proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: FIRST HORIZON BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive had a bank account at this bank for 3 almost four years. They converted my act to another bank. Then charged me overdraft fees after refunds took longer than usual to be credited due to the conversion. Then refunded the fees and turned off the debit card so I couldnt deposit funds to make the -10 dollars positive again. 
I just want to close this account. I do not like first horizon and the way they handle their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CL Holdings 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:
I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson Capital Systems , LLC. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I did not file for student loans and bankruptcy as opposed to what is stated in 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 explanation
Consumer complaint received 2021-04-26
Company: LEXISNEXIS
State: WI
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've contacted LexisNexis daily since my dispute was filed as we're waiting on my credit report to be updated so we can get a home loan. I made sure my public record was updated ( the satisfaction of judgement paperwork was not initially submitted to the court ) and sent a copy to LexisNexis along with the satisfaction of judgement paperwork and copy of the check I sent. We're now at day 34 and the " investigation team '' has not once replied to a request from the contact center. I'm beyond frustrated as their investigation should've taken less than 5 minutes yet they haven't even bothered to provide one update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bank of American Loan # XXXX he received a 60 day late notice {$1800.00} past due Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Never received statements or notice of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had my car loan with Santander consumer for 5 years. After researching my car loan, i realized that my balance didnt change from XX/XX/XXXX to XX/XX/XXXX. All of my payments were only going to interest. I still owe {$15000.00} on my car loan 5 years later when I only owed {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Stellar Recovery, Inc.
State: AZ
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:
I noticed that there was a new collection account on my credit report and when I went through the information I noticed this was not actually a new collection account but an account that was transferred to a new collection company. The company is Stellar Recovery and the original creditor is   XXXX   XXXX  . The amount is {$460.00}. This debt had previously been reported by   XXXX   XXXX   starting in  XX/XX/XXXX . Stellar Recovery is reporting this as a new collection. I contacted Stellar on Monday  XX/XX/XXXX  in order to have them fix this information and they said because they just received this account it is a new collection. I contacted   XXXX   and  XXXX  on  XX/XX/XXXX to have them look into this information and they told me they could not help me. On  XX/XX/XXXX  I contacted the CFPB and they told me to file a complaint. I feel that this is an attempt to reage this account as the account numbers were also changed and it is being reflected on my credit report as a new account even though this debt had been previously reported on my credit report through another company. I need help with this and having this information corrected as my credit report dropped  XXXX  points for this account and wrong information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Investigation took more than 30 days

Complaint:
On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in 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 2020-10-22
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: Investigation took more than 30 days

Complaint:
On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in 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 2020-05-22
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I attempted to validate the debt by Raegan, Robinson and Young via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, I opened a auto loan with Santander Consumer. In XXXX, XXXX I called Santander telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called Santander and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX  over this 30 day late payment. I received a call from a Santander representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called Santander and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. Santander took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

Santandars response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems - XXXX- is reporting and attempting to collection a debt that I do not owe - For one I have always had insurance and I shouldn't have any medical debts ... Also this debt is showing way past the statute of limitations as well. This is erroneous and 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 explanation
Consumer complaint received 2020-09-02
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is currently with Specialized Loan Servicing ( SLS ). When COVID forbearance options became available, we requested a forbearance on our mortgage, but quickly realized we didn't need those benefits and requested to have the forbearance removed. They removed the forbearance promptly and all seemed well. This occurred XXXX 2020. 

Some time around XXXX, our account began a review for mortgage assistance, although that was never requested by me or my husband. I spoke with a representative on the phone who confirmed this review started with no specific request from the account holders. This mortgage assistance review caused a slew of issues. Our normal monthly payments and escrow only payments were disrupted and were not applied appropriately without having to contact the company by phone ( which is very difficult to do ) to get the account situated. 

The main reason for my complaint today is the valuation report that occurred as a result of the mortgage assistance review/request. We were charged an {$85.00} fee for this valuation report that, again, we never requested. I spoke on the phone with SLS requesting for the fee to be waived two different times and sent a written letter requesting the same. We received a letter from the company saying they received the request and were reviewing it around the beginning of XXXX and have not received a response. 

We never requested mortgage assistance. We were paying our mortgage each month and was never late or behind. We never requested a valuation report that we were charged for. I really wish we could switch mortgage companies, but all I am requesting today is reimbursement of the {$85.00} fee for the valuation report we never requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Company was gracious and understanding, in the beginning. Called to inquire about payment deferment due to COVID-19. They claimed they extended my time by a month, which was really two weeks, from the previous payment date. When I called in to see if they would extend deferment because the Governor of Ohio extended the mandatory closure of the state by 30 days, they were not willing to help at all. They implemented no policy for COVID-19 and used their standard deferment policy, which is after one deferment is given, 6 months is required before you can have another one, all while still reporting to the credit bureau. Yet they have a propaganda campaign of " We're Here To Help '' posted all over their website. The business practices of this company are beyond questionable, the ethics are non-existent. I would not recommend this company to anybody due to their lack of empathy with the ongoing pandemic, and lack of effort to do anything to help the consumer. I will be refinancing my loan through another lender and cancelling any contracts with anybody affiliated with this company, ( i.e. 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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Jim Bottin Enterprises, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX of XXXX, IN in conjunction with ABC Financial Services their third party collection service continue to bill me for services when I properly terminated my services in writing with a 30 day notice on XXXX XXXX over the loss of my job due to COVID-19. I had to put a stop payment with my credit union to get them to stop illegally continuing to draft money from my checking account. I've contacted XXXX XXXX in writing and by phone to discontinue my membership and have spoken by phone to ABC Financial Services to ask that they discontinue sending me billing notices or I would be forced to file a complaint. So here we are as yet another billing showed up today XX/XX/2020. I'm also including proof of their reply email to my XX/XX/2020 so there is no question that they received my email to them title " Membership Cancellation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got scammed out of around XXXX dollars, I filed a police report and everything so they wouldnt close my account, but they closed it anyways. They said they have protections from issues like this, but didnt offer any help what so ever. I do want this off of my credit report so I can build back up my credit, but I would like to not have to pay this debt because i called them three times in advance to ask their advice and every time they said go ahead. I really want this off my credit report but I would love to not have to pay this, because they are supposed to have protection for scams like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely 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 2020-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by XXXX XXXX XXXX in regards to an outstanding credit card debt. After trying to reach a resolution with the company that I felt was fair. They were unwilling to work with me on what I had to offer. 
I then told them that I was placing them on notice, not to contact myself, family members or businesses associated with my person, and to cease and desist all collection efforts on the account. The phone calls had stopped until recently when I received an additional phone call from XXXX XXXX XXXX and a collector ( I don't remember their name ) when I told them that they were violating a cease and desist notice they then told me that they had the right to contact me again after 60 days. I know for a fact that that is not true. This company and operations manager XXXX XXXX should be held accountable for the violations that they are committing against everyday consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One has locked my account several times over the course of this year and I have spent hours with them on the phone confirming my identity. 
In XXXX and XXXX, I made payments from this account that were rejected - and I was not contacted that my account had been put on 'hold '. When I learned this, they assured me my account was re-opened. Again in XXXX, I tried to use my ATM card - and it was rejected so I called and my account was on hold again. I called and spent over an hour waiting for a " fraud specialist '' where the re-confirmed the same prior issue that I had already been told was completed. They assured me this was lifted and I again tried to use my card at an ATM and was rejected. After this, I called to close my account - where I then spent 3 hours on XX/XX/XXXX in the phone circle loop. I finally was able to close my account on XX/XX/XXXX - after spending 4 hours on the phone in constant loops and hang ups. Once I started seriously raising my level of irritation, they finally escalated my call. I was then interrogated about my account and harassed - until finally receiving the agreement to close this checking account and two linked savings accounts. I received two checks from my account. When I logged in to check, Capital One is still holding my money in one account. I have now called several times and been in yet another loop to try and close out the closed account. This is a trap.

Company response to consumer: Closed with explanation