BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've tried contacting Checkr through phone and email. Their phone is useless since it doesn't take calls. Their email just sends the user to automated response. This company is reporting false information about me. They need to take responsibility for their actions and fix this. I'm appalled that any business would use this company to gather information. What a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was having difficultly making my monthly payment. I call customer service at Santander Consumer USA whom Finance my car loan. I ask them if they would work with me in keeping my payment at the {$210.00} instead of raising my payment back to {$360.00} which I can't afford, in the perceivable future I need to have my payment to stay at {$210.00}. I can comfortably afford this payment. I tried to negotiate with them about leaving my payment the same. I am in a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: ALLY FINANCIAL 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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ALLY FINANCIAL on XX/XX/2016 which l have no idea about it at all.

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 2021-02-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX I decided to take advantage of Citi 's promotional offer of cash back by opening an account ( I actually opened 2 hoping to get 2 different offers one for checking and and one for savings. the savings cash bonus was through their website and the checking promo was mailed and has promo code on mailer. After opening and depositing the needed XXXX in both accounts, I noticed there was no confirmation about this promo. I inquired about this more than 10 times over the last 60 days to find out last night after hours of chatting with support and numerous phone calls that there is no promotion tied to either account and not only did I waste my time opening the account ( which was an unneeded struggle, but a whole other story ) but more importantly I was mislead to believe my money in these accounts would be beneficial to receive the cash bonus. Now I want to use the money in my investment portfolio and close accounts. My checking account is locked and wont let me transfer money out of, my saving will only let me wire transfer to external account by paying a fee. I just want my money in the safest way and accounts closed. I would love to get what was promised, aka the cash bonus. I feel I was scammed my Citi and I don't feel comfortable doing business with them. I am a heavy city card double cash card user and though it would be great to bank with them, I figured they wanted a customer that spent XXXX for personal use via credit card annually. I am disgusted with how they treated me and continuously hung up on my last night as I wanted answers to their XX/XX/XXXX up. I spent about 4 and half hours from about XXXX to XXXX XXXX  last night screaming until i was blue in the face. Something illegal was done on their end, in my opinion. they got me to open an account under false pretense and then hold my funds when I want them back. The only thing they could do is close my accounts and send me my XXXX grand via standard mail with no tracking info. which sounds like the most unsecure way to give a client their funds back. I don't understand why I can transfer into an account to open with out difficulty but changing the flow away from Citi became my worse nightmare last night. Not to mention it took time away from my busy schedule ( actually interrupted my expensive training session. I will gladly give more details if needed to conclude this case. I will probably stop using their credit card as well, spark has the same cash back reward so their is nothing special about CITI

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 monetary relief
Consumer complaint received 2019-04-30
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I purchased a new XXXX XXXX XXXX XX/XX/XXXX with the original loan balance being XXXX. The interest rate was 16.78 percent with a payment of XXXX monthly for 6 years. The total interest paid was to be a little over XXXX over the course of the loan. As of yesterday we have paid XXXX with XXXX going towards interest and only XXXX being applied towards the principal. About a week ago they repossessed the car and are refusing to reinstate the loan so I went on to see what the balance owed was so we could redeem the vehicle that we certainly have over payed for and that's when I realized how little of our money has been applied correctly. I have printed my entire payment history and there were roughly 3 years worth of payments that very little ( less than XXXX ) was applied towards principal. I'll admit there have been some late payments but after reviewing the paperwork it doesn't seem logical that late payments and completely unexplained fees would extend the life of the loan by what would certainly been another 3 years at this pace. All I'm looking to accomplish is have them adjust the balance to what it should be so I can pay the balance off and get the car back that we've already paid almost XXXX towards what should've been a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
None of the options related to my situation but it is an illegal communication tactic that I wish to report. 
I am reporting an abusive, deceptive, and unfair debt collection tactic practiced by XXXX XXXX. According to what I have read and understand under The Fair Debt Collection Practices Act Debt Collectors can not contact you through your work email. On XX/XX/2018 this is what I received in my Real Estate work email. See below. I feel this to be deceptive and harassment.

From : XXXX XXXX XXXX Email : XXXX Home Phone : XXXX-XXXX-XXXX BuyerSeller Just Looking Doesn't want mortgage pre-approval Not working with an agent About This Contact Interested In : All Types 0 bd, 0 baths Contact Profile : BuyerSeller Just Looking Doesn't need mortgage pre-approval Not working with an agent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
They did it again. They fixed prior errors reporting me late, but I paid the mortgages off, so they had to do it again. Specialized Loan Servicing reported To XXXX : 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages To XXXX  : 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages. 

They keep defaming me & wrecking my credit again. This has been since XX/XX/XXXX. I respectfully DEMAND retractions from Specialized Loan Servicing for this abuse and deliberate harassment. I am a senior citizen & my husband is a veteran. 

Again : I have my receipts & their receipts, so what's their purpose. 

THEY NEED THEIR LICENSE REVOKED AND TO BE PUT OUT OF BUSINESS. 

They gave me an ulcer from all of this & cost us substantially financially just so they could keep charging extra fees ( stealing ; criminial conduct ) and trying to prevent us from refinancing. 

I have more supporting documents but your website would not allow me enough space. I will file a separate complaint with those docs

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 2021-06-29
Company: EQUIFAX, INC.
State: FL
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received a Notice Of Serving Transfer from my bank XXXX XXXX XXXX. My mortgage was being transferred to Fifth Third Bank. This transfer was to be in effect by XX/XX/XXXX. As of XX/XX/XXXX I have not received any correspondence from Fifth Third Bank about my mortgage. My payment is always due on the XXXX of every month, so I've sent my monthly payment to the original mortgage holder, XXXX XXXX XXXX. They will determine if the payment will be returned to me or forwarded to Firth Third Bank. Fifth Third Bank is in violation by not contacting me with any notice about the transfer before the XX/XX/XXXX Transfer date. Fifth Third is claiming today XX/XX/XXXX that they just got the Transfer Notice from XXXX XXXX XXXX XX/XX/XXXX and are in the process of sending out a Welcome Package. They also claim that they are not responsible for sending out a notice before the transfer occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in review forever with Chase. My mom passed away and I have provided everything to the lender trying to save the house and assume the loan. 

They now have placed a sale date on my house and I am afraid I am going to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a 30 fixed mortgage serviced through Roundpoint Mortgage Servicing Corporation located at XXXX XXXX XXXX, XXXX, NC XXXX. The loan number was XXXX. They transferred my loan to XXXX XXXX XXXX on XX/XX/XXXX. I had been paying two months in advance, and my loan was up to date as of XX/XX/XXXX. I contacted Roundpoint at ( XXXX ) XXXX on XX/XX/XXXX asnd they confirned that I was paid up to XX/XX/XXXX. I received my welcome package from XXXX, and they said that I was showing that was paid to XX/XX/XXXX, and that I had to send in my Payment for XX/XX/XXXX. I contacted Roundpoint and spoke to XXXX in their XXXX service center on XX/XX/XXXX and he said that they would do an investigation and send my a payment history that would take about a week to get to me in the mail. It is XX/XX/XXXX and I have not received it. I would like to know what happend to my two month of advance payments that were just over {$990.00} each.

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 2019-04-30
Company: Credit Protection Association, L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX. is reporting on my credit file that I owe a balance of XXXX to them for XXXX XXXX. This was paid in 2017. I have tried to talk to them and they refuse to delete it. I have even sent a letter from XXXX XXXX showing that the debt is paid in full. The CRA 's will not remove it even with proof of the letter.

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 2021-02-20
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Mr. Cooper seven times, talking to multiple people, spending hours on the phone and each time my request is escalated to a department that would ultimately handle my concern. Rinse and repeat each time because my concern does not get handled and I never hear back from anyone. 

Mr. Cooper shows that I have an arrearage amount owed and all I need to know is what the arrearage is made up of. Its not missed mortgage payments or escrow balances because my payment records reconcile with Mr. Cooper payment records ; yet no one can tell me what the arrearage is regarding. Seems simple enough but good luck trying to get an answer. As of today, I have mailed a letter to the CEO and SVP of Mr. Cooper regarding my concerns. Here are the dates, times, and names of people I have talked with. 

XX/XX/XXXX - spoke with XXXX from Arizona at Mr. Cooper. She shows that we are current and up to date and only owing XXXX mortgage payment. She will resend info to escalation team. 
XX/XX/XXXX - spoke with XXXX from Mr. Cooper and states that only balanced owed is current month, XXXX mortgage payment. I asked to be transferred to the escalation team and spoke with XXXX ( sp? ), she said she does not know why we are being asked about this past due balance because she shows that payments made to Mr. Cooper took care of that past due balance. She will send info to research team and get back with me. 
XX/XX/XXXX - spoke with XXXX from Arizona at Mr. Cooper and states that only balance owed is current month, XX/XX/2021 and could not assist. She transferred me to an escalation team and she transferred me to XXXX  ( sp? ) who said the same thing and would send my info to a research team. 
XX/XX/XXXX - spoke with XXXX from Arizona. Reviewed my information, could not figure it out and ended up transferring me again to an escalation team. Transferred me to XXXX who could not figure it out either and would send my request to a research team again for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, 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 XX/XX/XXXX I disputed a collections item on my Equifax credit report. This dispute still shows its status as pending as of XX/XX/XXXX. I called Equifax today to try to figure out why this dispute is still pending, and after much difficulty it seems that Equifax may have mishandled or misfiled my dispute as a " dispute of an inquiry or factual record ''. Then when clarifying what the dispute was, they claim " they have no record of the dispute ''. 

All communication from Equifax concerning status of dispute ceased on XX/XX/XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Information belongs to someone else

Complaint:
Bayview is reporting derogatory information based on a loan modification that was not fully executed. Therefore no modification was lawfully recorded and therefore the credit information being reported is greater than 11 years old in violation of the FCRA. 

I have spoken with Bayview and they are aware the modification was not lawfully executed. They continue to willfully and negligently report credit information to their benefit. 

I demand immediate removal from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: TN
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:
Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on 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 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
This account was opened XXXX XXXX 2007 and was in my spouses name. I was never on this account to my knowledge. Now it shows opened and a balance of XXXX dollars. This also only shows on XXXX  and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: NJ
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:
Four fraud and inaccurate accounts are reporting under euqifax credit reporting agency, these accounts are fraud and inaccurate accounts reporting under equifax, i had provided equifax with my police report that I at some point i had been a victim of ID theft, but they have not been helpful at all, as a consumer i demand that this inaccuracies get removed from my credit file. please find attached my police report and have them to remove these inaccuracies thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: First Credit Services Inc.
State: MS
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: Their investigation did not fix an error on your report

Complaint:
XXXX  is reporting this account on my credit report. They have re-aged the date of last activity and is reporting the date of last activity as XX/XX/2021. under FCRA 605 ( C ) running of the period it is a consumer protection under the FCRA VIOLATION to try and re-ag an account by updating the date of last activity on my credit repot in hopes of keeping negative information on my account longer. this violation is sueable by XXXX in fines. 


i have uploaded my credit report for XXXX, XXXX and XXXX. in all three reports they have constantly re-aged the date of last update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The best service co. didn't want to provide proof that I owed this debt. I asked for validation of debt and they refused to provide. They told me they were going to sue me. A year or so later they put a levy on my bank account without my knowledge. I don't believe I owe this debt since I had lost my purse with all my credit card, bank cards etc.. in it. I believe the best service co sued me through the XXXX court.

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 2021-06-02
Company: EQUIFAX, 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 belongs to someone else

Complaint:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Furnishing, XXXX and XXXX  ). The identity theft accounts are : XXXX XXXX XXXX ( 4 accounts ), XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX. The unknown collection accounts are : XXXX XXXX XXXX ( twice ) and XXXX XXXX XXXX XXXX XXXX XXXX WOW. These collection creditors have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Pathfinder Credit Services
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been called by creditors from pathfinder credit services about paying a debt in the amount of $ XXXX.After asking for  a copy of a signed agreement with my signature, i did not receive a response.I do not own the account i am being told to pay for.

Company response to consumer: Closed with explanation