BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
Company: Santander Consumer USA Holdings Inc.
State: VA
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 have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for Santander CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through Santander but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car. 

I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to Santander because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX. 

I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and Santander as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime! 

I am desperate to get some assistance with helping me get this item removed from my XXXX   credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a court summons on XX/XX/2018. I immediately called the law firm representing the debt collector in order to establish a payment plan for the debt. I made my first payment that very same day. 

During the phone call, I was concerned about the continuation of this lawsuit and a judgment being held against me for the debt, so I asked the representative on the phone if I should answer the lawsuit or not, and she advised me to not file an answer, since I just agreed to pay monthly. 

I offered a settlement via email to the law firm two weeks ago of roughly half the amount of the debt and it was never answered. 

I just called the court today ( XX/XX/2018 ) to confirm the lawsuit was dismissed, and the court confirmed that the law suit in fact had NOT been dismissed and I only have one business day left to submit an answer to respond to the law suit. 

I called the law firm today as well ( XX/XX/2018 ) right after and inquired about my debt, the law suit, and if they would be willing to submit a voluntary dismissal because I am making monthly payments and have agreed to pay my debt. They refused and repeatedly stated they want a judgment from the Court against me. I am unsure wether or not my monthly payments are actually going towards my debt, or if my payments are being made in vain. 

The law firm did offer a letter stating my balance of my debt. That doesn't help me and still doesn't explain or confirm what the law firm will do once my debt is paid. 

I wanted, in writing, an agreement with the law firm and their client, to dismiss the law suit in exchange for me making monthly payments, and they said they would not do that. The representative also stated that the lawsuit will remain open and that they will continue to pursue the judgment wether I make the payments or not. I don't know if they have updated my balance with the court after making my first payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No   XXXX   as the creditor account # on this collection notice from Credence and their reference no is   XXXX   I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.

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 2017-08-04
Company: Advanced Collection Bureau, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have disputed this debt on three different occasions with this company. This company is illegally reporting this account as an open balance, even though they have that it is included in my bankruptcy and nothing is owed. This is affecting the number of accounts I have in collections which is false information because there is nothing to collect on this. I have filed direct disputes with the company. This is illegal. They are reporting a debt as open that there is no way I can resolve as there is no amount of money owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in XXXX XXXX chapter XXXX does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed with the firms on these alleged debts numerous of times and each time the company has came back with alleged verifications. In the correspondence letters they sent to me I've found numerous FDCPA violations including ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.

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 2020-07-03
Company: FIRSTBANK
State: CO
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 opened a checking account with First Bank in XXXX. In XXXX I made a transaction that First Bank paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. First Bank decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from First Bank from XXXX. I have shredded all paperwork associated with First Bank since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to First Bank several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since First Bank opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt First Bank does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: VA
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 called XXXX XXXX Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by XXXX XXXX Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.

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 2019-03-05
Company: Navient Solutions, LLC.
State: ID
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:
my school loans were paid and closed in XX/XX/XXXX/XX/XX/XXXX because of my XXXX. The loans from XXXX XXXX XXXX, Navient and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020, I received my loan modification paper work, however my wife 's name was spelled incorrectly. We realized this once we went to a notary and they were not able to notarize the paper work due to my wife 's name on the paperwork not matching her Driver 's License.

Called our Mortgage Company, they said they would send a new package with updated paperwork. During this process I continued to make trial payments of {$1000.00} to the mortgage company for three months.

Once they sent me the updated loan modification papers, COVID 19 caused bank branches to close as well as all mobile notary services I called. I called my mortgage company to explain this delay. Finally setup an appointment, got my papers notarize and sent them via XXXX Overnight. 

Then received a letter of denial due to the delay in mailing papers back to LoanCare. They mentioned they I would need to do this process over again. 

I've been trying to handle this for a year now. Sending multiple applications, them denying the loss mitigation application one after another. I just received another denied letter. Filling out another application today but I feel like they aren't willing to work with me. I was already approved and showed I can make my mortgage payments moving forward. I really feel helpless and discouraged, I don't know what's going to happen to my family if we are forced to leave. Please help.

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 2018-07-12
Company: Dunlap Gardiner LLP
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:
This issue is just not sitting well with me due to the attorney 's collection tactics.My spouse and I have divorced. However, former spouse obtained marital property to include paying mortgage, taxes, insurance, and home owners association fees. Earlier this year, out of the blue I received a judgement of garnishment in the amount of XXXX that was filed XX/XX/XXXX via the county court. Of course, when I received I became worried and did not want a garnishment to go to my employer. I was advised that the home was being refinanced. I immediately got the funds together and took the funds to the attorney 's office handling the collection. Mind you, I have never received any notification that the home owners association was past due. I had not lived at the marital address in four years. However, I can receive a judgement that my wages were being garnished. Next, on XX/XX/XXXX I received another court judgement that my wages were being garnished which was filed in the county court on XXXX XXXX.Again, I had never received any notice of this debt being passed due even after the XX/XX/XXXX judgement. I requested validation and the lawyer sent me a ledger from a business called XXXX which is not the HOA organization. I went to court to argue that I never received any thing in writing and the ledger to did not look legitimate. I spoke with XXXX who represented the attorney 's office prior to meeting with the judge. I explained to her my concern and frustration of the above that your company can send me a notice to garnish my wages but can not send me any statements of the charges past due. XXXX advised that the mailings were going to the marital property since XXXX but still could not explain why I can receive a judgement to garnish my wages at the address I have been living at for the past 3 years and that I never got the chance to address the issue or try to pay the debt. XXXX suggested that I contact the office to make some arrangements to pay the debt. I called the office after leaving the courthouse and called the office. Spoke with XXXX who advised that she would send my proposal to the HOA and call me back on XX/XX/XXXX. However, she never called me back. I am appalled of this type of collection tactics of using wage garnishment for consumers who have not received and documentation or made aware of past due collections without given the consumer an opportunity to try and make restitution with the property owners association.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Fidelity National Financial, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Fidelity National Title is illegally holding on to {$4700.00} in property taxes by loan servicer paid XX/XX/2020 prior to closing on XX/XX/2020. IN additional they are illegally holding hostage an exorbitant " pad '' in the amount of {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TRANSUNION, XXXX, AND XXXX  WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013

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 2020-11-17
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/20 We received a ReliaCard issued by USBank. The card was unexpected and did not align with any accounts we own. That same day we inactivated the card, and the customer service representative noted that it was an Ohio unemployment card. We have never been to Ohio. They used a decades old phone number and likely additional old information ( however it made it to our most current address ). Clearly a fraudulent card. Note : nothing will be attached as it was a credit card issued document containing personal and sensitive information.

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 2020-12-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing stated they paid my taxes on XXXX/XXXX/2020. However, the taxes were not paid and escrow withheld {$44000.00} at sale of property on XXXX/XXXX/2020.

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 2020-11-23
Company: EQUIFAX, INC.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation