BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had purchased a car on a 72 month agreement for a XXXX car that I put XXXX down on thru a dealership. Being as I didn't have credit, I had to accept the highest intrest rate of 29 %. My payments were XXXX a month, which I paid as agreed on time for 18 months. One night I sat down and actually read thru the agreement, did the math and realized I had agreed to pay roughly XXXX for a XXXX car that I put XXXX down on, so... I made the decision to make more on my monthly pqyments by paying XXXX instead of the XXXX each month to get the principal down as quick as possible. I even made a XXXX payment one month. 18 months later, I get in a minor accident but insurance totaled my car. So they paid the balance and I received a check for XXXX. 
The loan was for XXXX. 18 months later ( XXXX ), my balance was XXXX. I then paid XXXX, XXXX, XXXX, XXXX, and XXXX before the accident at which my balance was reported as XXXX. The amount paid by the insurance to the lender XXXX. This is all sitting here in front of me on my credit report. They literally just sat on all the extra payments and did nothing ... Now I'm not sure what's more XXXX XXXX, the fact that they didn't apply the payments towards the principal or that they didnt notify me or refund my money back.They should of done something... Either way that's super sketchy business practices and I wanted to report it. If I'm misunderstanding something or if you need more information to verify the information above, please let me know. The XXXX was Santander and the dealership was XXXX  of XXXX... Both of which I will avoid in the future and would encourage others to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, 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:
I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a Home Affordable Modification from my prior servicer, XXXX XXXX   XXXX XXXX back in XXXX of XXXX. In the agreement, Recital 3 ( c ) of modification agreement, the total deferment amount of {$38000.00} would be waived in 3rd 's on each anniversary of modification XX/XX/XXXX provided that I maintain a current status. The waiver breakdown is as follows ; XXXX XXXX ( completed by XXXX ) XXXX XXXX ( completed by XXXX ) XXXX XXXX ( not completed by SLS ) I never missed a payment. My prior servicer followed through on 2 of the 3 waivers prior to the transfer to my new servicer, Specialized Loan Servicing. My last waiver should have taken place on XX/XX/XXXX in the amount of XXXX however ; my new servicer has failed to acknowledge or address my concern. I have sent another request to the customer correspondence department however has not received a response. This issue has prevented me from refinancing my home and has caused huge delays and costs.

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 2023-02-01
Company: Tate and Kirlin Assoc
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company Tate & Kirlin Associates , Inc was in charge of a charge off account that they told me that if I paid the debt not only would the collections account would be deleted off my credit reports they would also delete the original tradeline of the charge off a bank called XXXX XXXX. The collections account has been deleted but the original account has not. They now refuse to help me out and get the problem resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My business " XXXX XXXX XXXX XXXX '' has had a checking account with Chase for 16 years. They illegally changed policies that I didnt agree to when I signed up for the account and now charge my checking account {$15.00} per month to keep the account. This is not legal as I never agreed to these terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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:
Former XXXX XXXX XXXX, Captured My Employee Personnel File ; And, Applied For Credit Via -- -- -- -- -- -- -- -- -- FRAUD AND ONLINE APPLICATIONS. All 3 ( THREE ) Credit Reporting Agencies, Are Reporting Incorrect Information Upon My Credit Profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: MoneyLion Inc.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an acct with Moneylion, a banking app. I wanted to delete my account. I got nothing but run around from customer service, asked for a supervisor but the lady refused. please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX I went to a XXXX to buy a prepaid card and I brought a Netspend card when I was trying to active the card they asked me to sent them an email with a picture of my ID, my social security and a picture of something to prove my address I sent one email with 3 pictures and they told me to call back after 6 business hours so on XX/XX/XXXX I called back they told me they received the email but they only received my proof of address I explained that it was 1 email with all 3 documents they said they only received one I said okay I want a refund they asked me how much was they money I said {$240.00} they said they gon na start the refund and I should receive a check on my name on XX/XX/XXXX, 10 days. On XX/XX/XXXX I didnt receive the money I called them again complaining the person I was talking to said thats impossible they gave me a wrong date because I called on XX/XX/XXXX, I said no and explained everything she told me Im gon na have to wait till XX/XX/XXXX which was yesterday. XX/XX/XXXX I didnt receive the check I was like okay Ill give them one more day and at XXXX on XX/XX/XXXX I went to my mailbox nothing came so I called and they are asking me to wait another 5 days. This is going to far money only takes 7 business days and I agreed to the 10 days they told me to wait, then another 5 but now they are asking for another 5 money doesnt take 20 days to process.

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 2017-12-11
Company: R & B Corporation of Virginia
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried several times to have them send me a contract I signed with the company for the dates of service ( from both companies i owe ). According to the fair credit reporting act section 609, they must do this! They keep telling me that they can not send me this and will only send me an itemized bill : how do I even know this was me? How do I know the original creditor didnt send it to my insurance for fraud??? 

When I asked why the amount owed for XXXX XXXX XXXX was {$140.00} more than what my credit report shows or the last bill I received from the company, they couldnt tell me an exact reason why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 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 2020-02-07
Company: EQUIFAX, INC.
State: NC
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:
In XX/XX/XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XX/XX/XXXX and they is INCORRECT!! Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XX/XX/XXXX-XX/XX/XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX reports to credit companies before my cycling dates. My bill is due on the XXXX. They reported on the XXXX. My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX fine this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my report that are unauthorized on my report and need to be deleted immediately. 

Delete the inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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 status incorrect

Complaint:
My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late XXXX XXXX, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny XXXX mortgages and XXXX XXXX  and they are all connected to practising blockbusting and proits from XXXX to charge higher interests if anyone gets that far

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 2021-09-08
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: Information is missing that should be on the report

Complaint:
XXXX XXXX is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX and XXXX and placing my health at risk and denying me a XXXX credit card through 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 2023-02-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent the original Identity Dispute letter to XXXX and it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to Equifax and it was dated XX/XX/XXXX. It was received at Equifax on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Experian Information Solutions 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:
Hello Dear CFPB Please assist me to block FRAUD IDENTITY THEFT XXXX XXXX XXXX XXXX I send to Experian special services Valid FTC identity theft report but they refused to block by telling me i had material benefits or other bogus reason. I spoke many supervisor and representatives and could not get this account blocked. I spoke with XXXX supervisor legion special service department. 

My Experian c Report Number : 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 2023-02-24
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was apply for home loan and there should be only 1 hard inquiry. I show 2 companies only 1 where I finally used for my loan Thank you XXXX XXXX XXXX  ( Finance ) XX/XX/2022 CREDCO/XXXX XXXX  ( Bank ) XX/XX/2022 2022

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 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/2023, I received a letter from the Bank of America they temporarily credit my account the claim amount of {$3700.00} in my XXXX account. I called them after claiming that the XXXX was XXXX. I opened another case number over the phone with the fraud department. Today XX/XX/XXXX, I received a phone that the money stolen was rejected to replace. Someone opened an account with that money in my XXXX account of mine. I started another case number. I don't have any other accounts at Bank of America. How do I get this money back? 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 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation