BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-07
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I currently have a lease with Chrysler Capital. I decided to pay off the loan early and received payoff amount and sent the check in. It cleared the bank on XX/XX/2020. My automated payment also came out on that date for {$360.00}. I then received notice that I had a {$0.00} payment amount. They continued to take my auto payment out for XXXX and XXXX each for {$360.00}. They now have 3 payment owed to me. I placed a stop payment on my bank account for future payments. I contacted them and they agreed that they owed me the 3 payments totaling {$1100.00}. I then received a debit card refund for one payment with a balance of {$360.00}. I called them a second time and they agreed that they still owed me 2 payments and would put in for the refund. I received nothing. I then contacted them weeks later and the employee said he did not see overpayment and I would need to send bank statements and payment information. I copied all statements involved and faxed them to Chrysler. I have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Seven checks were forged on my account. Two were cashed and then the funds returned for insufficient funds. Three more were returned for insufficient funds and I was charged for bounced checks. Two more were cashed and I have not been able to recover the funds. The total amount stolen from me was {$17000.00}. Of that {$11000.00} was returned because of the insufficient funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: CrossCountry Mortgage LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Not sure if this is the place to inquire about this process - I applied for a convention loan during a recent home purchase, but was told by the mortgage broker ( XXXX XXXX - Cross Country Mortgage ) that i didnt qualify for a conventional mortgage - although my credit score at the time was 720+ and we put down ~10 % towards the loan. 

I was put into an FHA loan with FHA insurance, and i am wondering if i shouldv'e received more information relative to a conventional loan denial other than just being told by the lender. I didnt receive any formal paperwork or documentation of that. 

I have also recently found out that the mortgage broker whom i was directed to, works closely with the builder and real estate broker, so i am not sure if i was given the best rates and options for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions 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 am contacting you regarding several items on my Experian Credit Report that are not accurate. Please be advised that my Social Security Number is XXXX, and my date of birth is XX/XX/XXXX. 

My report has a record from XXXX XXXX XXXX XXXX. I do not recognize this account, and I am not responsible for it. Please remove this account from my report immediately. 

Additionally, I do not recognize several hard-inquiries on my report. Please remove these hard inquiries as well : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Additionally, my name is not XXXX XXXX XXXX. Please remove this name from my report. 

I sent a complaint about this to Experian via USPS Priority Mail ( Tracking ID XXXX XXXX XXXX XXXX XXXX XXXX ), which was delivered to them over 30 days ago. Experian failed to respond to my request within the allowed 30-day time-frame, and therefore Experian is now in breach of the law.

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 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have two credit card accounts that are open and current with XXXX XXXX XXXX.

On one of the cards, I am the primary account holder. On the other, I am the authorized user.

Neither of these two credit card accounts are being reported to the 4 major credit bureaus as open and current. They are both are missing from my credit reports. 

I have contacted XXXX, XXXX, XXXX, and XXXX and none of them have admitted the problem or attempted to fix it. 

This is severely hurting my credit score, because these accounts are both open a long time, and our in good standing. 

I have also contacted XXXX XXXX XXXX, to have them fix it, but alas, nothing has been accomplished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: M&T BANK CORPORATION
State: IN
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:
This is my 4th attempt at trying to get this company to remove information that does not belong on my credit report.

Per USC 15 6802. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also this item was charged off with 1099-C which means it is a certificate of indebtedness and has been claimed as income. It is against the law to be reporting on my credit report with a balance or at all anymore. 

Also consider the privacy act of 1974.

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 2023-08-04
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was provided the 10 day payoff amount and paid in full on XX/XX/2023 in the amount of {$6400.00} and cleared my bank account on XX/XX/2023. Now they are trying to get another day of interest of out me and not reporting my account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have attempted to reach AES regarding loan name change. I feel like I'm being forced to submit documents of an updated name changes as if I had legally changed my name in the past. AES continues to request for me to provide my social security, Driver Licenses or etc. I am refusing to do so because that it's an admission that at some point I did go by that name XXXX or XXXX . I have not. I feel as though my rights continue to be violated because they accepted a predatory loan from XXXX XXXX. AES has yet to provide me any documentation where I provided XXXX XXXX with a legal name change. The only documentation I have been given is a promissory note that indicates XXXX . XXXX or XXXX was never my legal name from XXXX XXXX XXXX . As I've stated before it is the legal duty for the lender to ensure that proper documentation is given regarding the correct name. I believed I have been misinformed to obtain pricier repayment terms and misleading me about federal loan forgiveness programs. However, I can not participate in loan forgiveness program because my name does not match. Nor, can I create a online account because my name does not match. The lenders had a legal and ethical obligation to disclose all information about a loan to me and informed me that having a unauthorize last name on my account will prevent me from being able to participate in some forgiveness program and inability to access my account. I find that the lender and AES was reluctant to provide me with a full loan disclosure, consider that I sign with my legal name only birth name. AES then used unscrupulous methods against me with hard credit check and false reporting me to credit bureaus, although I was making on time payments and was never late. Their actions were abusive. If it was not for a worker ( Supervisor XXXX ) stating it was not the US Postal Services that provided AES with the fake address, but XXXX ( skip traces credit system ) Never heard of this credit company until XXXX. This information was revealed on XXXX XXXX disclosing the measure they used against me after numerous calls, I would have believed that I was a victim of identity thief. I even took off work and was ready to make a police report until this action was revealed. What was even more alarming was AES alter my account without my knowledge before they even received returned mailed and did not inform me, they were altering my account without my permission or knowledge. AES did the updating independently because they wanted to do so. After, numerous cascading letters and emails only to update my address back to what it was. No American should experience such aggressive, abusive, tactics and not understand the full score why such retaliatory actions being taking place against them. Now I have to fight to restore my credit after the hard credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: LA
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 follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Delete the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX LA XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 at XXXX XXXX  call from XXXX XXXX XXXX XXXX for a North Carolina turnpike toll in the amount of {$45.00} with the acct # XXXX. They didnt have the date, time nor road number to validate the bill. Ive never been on a toll road in North Carolina. I told them my phone number is on the do not call.gov list.

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 2020-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
One of our savings account was arbitrarily closed by Bank of America for no apparent reason last XXXX XXXX, 2020, without informing us. My wife & I strongly feel that we were discriminated & treated unfairly. We just received a letter by mail from the bank on XX/XX/XXXX informing us of the closure 4 days after we discovered it on line. We have been loyal clients of the bank for 24 years and it is the only bank where we have maintained several personal & checking accounts as well as our home mortgage, home equity line of credit & business checking accounts. We are on the highest customer tier of the bank as Preferred Rewards Platinum Honors & have excellent credit scores. We have been in very good standing with the bank until this troubling incident. The savings account had a remaining balance of {$1900.00} which was an active account. When we inquired about it, Bank of America said it was a " business decision '' & that they had the right to close an account without informing the client based on the terms & conditions signed when the account was opened many years ago. 
Numerous attempts were made by us through calls & emails to top management to clarify & know the reason why it was closed. Our calls were filtered for the most part. To make matters worse, the Bank has prohibited us from opening a new account despite the fact that we have our other accounts with them. It gave us the impression that we have committed fraud or a crime. Our concern was just totally ignored by the bank 's top management. 
On XXXX XXXX, XXXX XXXX, Supervisor of Bank of America Customer Relations called us just to inform us of this unprofessionally handled business decision & that our concern can not be elevated anymore to top management. My wife & I really find the bank 's action very discriminating, unacceptable, insulting & offensive. 
We are submitting the emails / letters ( as attachments ) we sent to XXXX XXXX XXXX, Chief Client Care Executive & XXXX XXXX XXXX, CEO of Bank of America detailing our concern for your review.

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 2021-10-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.

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 2020-07-21
Company: Experian Information Solutions 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:
To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my XXXX, XXXX  and experian reports. Also I have a derogatory mark from enchanced on behalf of sprint which shouldn't be on there as that was settled at sprint store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.

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 2023-06-03
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: Information belongs to someone else

Complaint:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX # XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: STATE FARM BANK, FSB
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My IRA CD matured and State Farm Bank tried to charge me a {$7000.00} late fee on and then relented when I resisted. My complaint is that the amount or rate, whatever it is, was not revealed in any previous information from them. I told them I feel they owe me {$7000.00} for being abusive. They refute that. Given that the CD paid 2 % APY it seems to me that the amount which is 2 1/2 years interest at that rate, an amount more than double the maximum penalty for early termination is usury. They refused me yesterday, XX/XX/2018. I am writing primarily to bring this policy and behavior to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have asked XXXX and XXXX and Equifax to remove all of these inquiries from my credit report. I did not apply for the 61 inquiries within a six month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowner 's insurance was cancelled as of XX/XX/2023. I contacted my insurance agent ( XXXX XXXX XXXX XXXX, FL ), and they issued a new policy from XXXX XXXX XXXX company on XX/XX/2023. Rocket Mortgage customer service contacted me stating that they had no proof that new insurance has been obtained. On XX/XX/2023 at XXXX XXXX, I faxed a copy of the XXXXXXXX XXXX policy declaration page to Rocket Mortgage. I have a copy of a fax delivery report proving that it was delivered to them. On XX/XX/XXXX, I received a letter from Rocket Mortgage that they will be purchasing a third party insurance policy for my home. The letter stated that this was their final attempt to contact me, and that my current policy had lapsed. 

I believe that the personnel working the Rocket Mortgage office must be living under a rock. The tremendous insurance calamities and issues in Florida have been publicized for a long time. I am opening this claim to stop the harassment from this company, and the threats to purchase third party insurance. I have provided ample evidence to them that my homeowner 's insurance policy is active and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my XXXX, Equifax and XXXX  reports. Also I have a derogatory mark from enchanced on behalf of XXXX  which shouldn't be on there as that was settled at XXXX  store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.

Company response to consumer: Closed with explanation