BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
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:
My name is XXXX XXXX. My customer number is XXXX. I have attempted to speak to a XXXX   regarding my request to reduced my payoff amount since XX/XX/2012. Each time I have called the rep that took my call has stated/offered one of the following response .... 

1. " We do not reduce settlement offers '' 2. " I will transfer you ''.

3. The call is mysteriously ended.

4. Placed on hold indefinitely.

5. " We will get back to you '' I have left several messages with managers without a returned phone call. I have not yet been able to speak to an AVP. This is unacceptable treatment. They have ruined my credit. It shows a charge off and delinquent payments. I am an XXXX  and this has caused me to be denied for business loans, personal loans, credit cards and mortgages. I had to get another vehicle with a high interest rate because of their actions. 

During this time I was in negotiations with State Wide ( the third party insurance company ) attempting to increase the amount they have offered for my totaled vehicle. 
On XX/XX/2012 I received a letter from Santander stating they have accepted an offer that is over {$4000.00} LESS then my payoff amount. I am confident I would have been able to get Statewide  to increase the amount offered as they had not included over {$4000.00} in extra accessories which I have receipts for. 

Now that the your total loss department has prematurely accepted and offer, all negotiations has ceased. 

I am requesting that Santander close out my account in good standing with a {$0.00} balance. 

I can be reached @ XXXX XXXX XXXX I am requesting a response within 24 hours or further action will be taken. 
Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am not able to have a freeze on my credit report permanently removed. I am in the process of applying for a new mortgage and need to allow prop spectate lender to have access to my credit report. The transunion employees I have gotten are very hard to understand and I am hard of hearing. I may have answered a question regarding my credit report but sometimes the questions were a little confusing or I was not able to understand them. I need to have the freeze on my credit report removed, immediately.

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 2021-02-04
Company: Fidelity National Financial, Inc
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Does Chicago Title have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX  YES or NO If Chicago Title does have a Title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please send me a copy of the title policy via the CFPB website so we can conclude our involvement with the CFPB and move on. 

If Chicago Title does not have a title policy for my property located at XXXX XXXX XXXX XXXX, N.J. XXXX Please let me know so I can take corrective measures. 

The matter will be resolved once I receive a copy of the aforementioned title policy until I receive a copy of the title policy or get advised that there never was a title policy the matter will remain open. I have had more than enough and now need to escalate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
1. I am not receiving interest charged by XXXX XXXX  master card from merchant-initiated refunds in the amounts of {$100.00} and {$490.00}. ( explanations for refunds explained in complaint ) 2. My second concern is that my interest remains the same albeit that I am paying double the monthly payment! 
Both above listed refunds were refunded due to charge errors to my credit card from merchants. I reached out to XXXX XXXX  XX/XX/XXXX and was informed that I was not entitled to an " interest refund '' whether the refund was from a charge or return error. I made a complaint against this company XX/XX/XXXX due to its failure to recover funds from an illegal and unauthorized transaction. For this reason, I decided to work with XXXX and XXXX to recover funds that were posted to my account in error. XXXX account has two cards on file and the debit card that I used did not go through because the system used my delivery addresss zip code. I caught it immediately and corrected the error with the agent but not until the system charged the XXXX  XXXX  credit card thus, I had to wait for a refund. XXXX  XXXX  did not have authorization to charge my card and it took me to make a complaint with XXXX XXXX to get my funds back! 

My second concern is that my interest charges do not seem to change. I inquired about my interests amount and was given a rate 3.35 % ; Variable 21.99 % and XXXX I guess it means APR. I asked the agent several times to slow down and explain what was going on, uncertain if she knew. I inquired again if I could have my interest rate lowered and was told there were no promotions at this time. I went on to question How can the company feign to provide COVID-19 relief payment assistance and not offer the means to lower interest rates for the customer to continue to make payments? It appears to be ALL A RUSE! 

Attached you will see that the interest rates charged monthly do not change. On my XX/XX/XXXX statement the available credit was listed as {$570.00} and the payment due was {$170.00}. XX/XX/XXXX reflects a credit in the amount of {$490.00}, INCREASING THE AVAILABLE CREDIT TO {$1000.00} and yet the payment amount does not change! You can also see this in the increased payment amounts ( agent will excuse the cut and paste attachment for this card company has not provided online earlier statements for several years ) for example a payment of {$450.00} posted on XX/XX/XXXX reflected an interest difference from a {$200.00} made the prior month of {$0.00}! 
I have been with this company since the early XXXX and the number amount of monies applied have always affected the payment amount due to change from either higher to lower! It is as if no one is monitoring the system!

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 2020-07-06
Company: AMERICAN HONDA FINANCE CORP
State: NV
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:
The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later Honda contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. Honda never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, Honda has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked Honda to fix this and filed disputes with the credit agencies to no avail. All Honda does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my husband an I opened two checking accounts and a savings account with Suntrust Bank and I was told I could not have accounts with them and now they will NOT return our money!! This bank will not even give me a reason as to why, verbally or in writing ...

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 2021-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX is my second language. I have a friend entering this information for me. 

I cosigned two student loans with Citizens Bank in XX/XX/XXXX. I cosigned one loan in the amount of {$2900.00} for my sister XXXX XXXX and cosigned another loan in the amount of {$11000.00} for my sister XXXX XXXX. XXXX is a XXXX XXXX XXXX for fall & spring semester. My understanding was that both loans had no payment due. 
In XXXX I got a call from Citizens Bank stating I would soon be 90 days past due on the account for XXXX. I never received any bills, calls or notices for this student loan being due. 
I called XXXX on XX/XX/XXXX with help from a friend, XXXX XXXX - we spoke with XXXX at XXXX XXXX XXXX about why that loan was in repayment. We were told that when we filled out the loan paperwork at Citizens Bank - a box was checked stating I wanted to make payments right away on XXXX 's loan and a box was checked to defer on XXXX 's loan. Also XXXX XXXX stated that email communication was checked on the application therefore all payment notices were sent to student 's email even if the loan was co-signed for. The Citizen Representative filled out these forms for us and this was an obvious mistake. 
This was new information to me. XXXX is a XXXX XXXX XXXX beginning a 4 year program. She was in school full time from XX/XX/XXXX and is enrolled full time for the spring semester XXXX. 
We called back again to XXXX XXXX and spoke with a XXXX. We described what we had learned and he said we needed to fill out a School Verification form proving that she had been full time, then take it to the school XXXX XXXX XXXX and they would complete it, then forward it to XXXX XXXX proving she was a XXXX XXXX XXXX. Once that was completed they would reverse the late charge reporting. 
XXXX sent us the form XX/XX/XXXX and it was filled out by the school on XX/XX/XXXX and sent to XXXX XXXX. 
Today XXXX we checked with XXXX to see if the lates charges were removed. They were not removed. We called XXXX XXXX today and spoke with XXXX. He said they had received the school verification form from XXXX BUT he stated very clearly that the reporting can not be reversed even though a mistake was made at the Citizen 's branch. 
My credit score with these two late payments has dropped my credit score 90 points and I am trying to reduce my housing payment by {$300.00} through a refinance and now can not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Security Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In violation of 15 U.S. Code 1692g, this stated company without Validation and Without any type of Notice, Contract or otherwise, placed two collections on my credit report. I do not know who they are. They claimed on the credit report that these accounts were opened on XX/XX/2018. No account was opened with them on XX/XX/2018!!! This derogatory and unfounded information has been filed with ALL the credit reporting agencies. It is illegal to place unvalidated information on a person 's report therefore, I want these accounts removed in its entirety. Also, a fraud alert is on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 at XXXX XXXX  my account was drained of all the money I had which was {$400.00}. The account was presumably hacked or I believe Chime had something to do with it. Usually I login with my Face ID and it unlocks the app right away however the app had logged me out of my account which was very odd and to see that there was a transfer of {$400.00} to a XXXX XXXX I was very sad and hurt to see this because I need to pay bills and use this money for food. I just wish that Chime does properly investigate my case and return my money because this was definitely a transaction that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had unauthorized charges of {$1000.00} on Venmo. I contacted the company the day the charges appeared ( XX/XX/XXXX ). The company then said I owed for the charges ( XX/XX/XXXX ), but I explained that the unauthorized charges {$1000.00} are not my responsibility. Those charges are the responsibility of VENMO. U.S. Electronic Funds Transfer ( Regulation E ) provides protection from consumers like me who provided timely notice of the unauthorized transaction. Reg. E. states " If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution. '' On XX/XX/XXXX, I was contacted by VENMO Collections and told that I owed {$1000.00}. I told them that I did not owe the amount. I stated that I had contacted VENMO immediately after the unauthorized transactions and that I am not liable for any amount greater than {$50.00}. I further warned VENMO that it is in violation of Regulation E by reporting this item to " Collections. '' I asked them correct this matter by the end of day on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Possible Financial 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: Account information incorrect

Complaint:
This complaint is by me XXXX XXXX for the record being that Ive disputed this account with XXXX  and it came back as them thinking its from a third party which its not. I will attach documents showing to prove it is myself along with a picture of me. Again i am disputed this account fir the inaccuracies and violations which I would like for it to be removed. Below will be my reasonings As Ive previously stated before this was thought to be a third part Ive looked over my personal credit report and possible finance is reporting inconsistent and inaccurate reportings which is in violation for reporting wrong information on my credit report which is greatly affecting my score. Attached to this claim will be the proof showing that the inconsistent reporting to the 3 credit bureaus with the high balance being different on all 3 bureaus, inconsistent last payment, account status, and date reported. The date of last activity for example on experian shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. This is ILLEGAL and a violation with the FCRA by all the account has been re aged which is a Violation of {$1000.00} per violation which possible is in 4 violations by all information being submitted to the credit bureaus must be 100 % accurate. If all 3 credit bureaus are getting their information from the same creditor how is it that theyre all reporting different information? This account also is in violation with the FCRA by reporting late payment when the collection account is closed. It can not be late unlike open ended accounts. As listed with experian and XXXX  by reporting the Account 120 days late but at the same time as charge off which is another {$1000.00} fine. I plan on collecting my funds due to multiple violations if not settle d. The attachment will show the violations circle in highlight

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Account information incorrect

Complaint:
I disputed all the the following incorrect information below with the following credit bureaus : TransUnion, XXXX and XXXX. All three have not responded or corrected the errors on my credit report. Its been over 90 days including follow up letters with no response. 

TransUnion 1 ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX 3 ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXX XXXX XXXX  VA XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 6. XXXX XXXX XXXX XXXX XXXX, FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXXXXXX, two late payments 2. XXXX XXXX XXXX XXXX, one late payment 3. XXXX XXXX  4. XXXX XXXX XXXX 3 ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) 1. XXXX 2. XXXX 3. XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX Inquiries 1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX - XXXX XXXX 4. XXXX, XXXX 5. XXXX - XXXX XXXX XXXX 1 ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX 3 ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) 1. XXXX 2. XXXX 3. XXXX 4. XXXXXXXX XXXX XXXX XXXX Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX ( three inquiries ) 3. XXXX ( two inquiries ) 4. XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX  7 . 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 2019-11-16
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: Account information incorrect

Complaint:
I contacted the debtor on XXXX XXXX, 2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. 
This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I have not been notified or updated regarding my investigation results.

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 2021-05-20
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation request to Enhanced Resource Center and they never responded and added a collections to my report without answering my debt validation letter. I have also paid this with the original creditor XXXX for {$1400.00} in full. they refuse to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Green Square Company LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/2018 - Left message on my cell phone and work phone stating that this is pre-legal notification of a civil grievance with the deliberate deception of a financial institution. I will exhibit severe financial discomfort and there will be future proceeding including documentation sent to my employer for signature if I don't call back. I am supposed to call back with ID number XXXX. 

XX/XX/2018 - Left message on my cell phone at XXXX XXXX stating that this is pre-legal notification of a civil grievance with the deliberate deception of a financial institution. I will exhibit severe financial discomfort and there will be future proceeding including documentation sent to my employer for signature if I don't call back. I am supposed to call back with ID number XXXX. 

Left the same message on my husband 's cell phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: AFNI INC.
State: IL
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 A CABLE BILL WAS OPENED UP IN MY NAME WITHOUT MY CONSENT. THE BILL IS {$980.00} DOLLARS. ORIGINAL BILL IS XXXX BUT NOW THIS COMPANY IS TRYING TO SAY ITS MINE.

Company response to consumer: Closed with explanation