BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2017, my daughter XXXX 's boyfriend at the time bought her a new car so that she would have transportation to find a decent job. Because he was very young and never had credit he was told that a good way to establish credit was to sign on with Santander bank because that was the only bank who would finance the car. XXXX XXXX then told them that once they made the payments on time for a year, XXXX XXXX would get the initial payments lowered to a more manageable level. The initial payments were set at {$570.00} per month for a XXXX   XXXX priced at {$20000.00} approximately. My daughter agreed to make all the payments and did, on time, for the year. They went back to XXXX XXXX expecting them to honor their word. They didn't. She contacted Santander representatives to see if she could get the payments lowered ... they said no. Meanwhile XXXX is working hard to make these payments on time only to find out that most of the payment was going to interest and not principle. I did some research on Santander bank and found that they had numerous complaints against them, bad reviews, and law suits against them for essentially operating as loan sharks. They need to be stopped so that they don't trap anymore consumers who are desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: MI
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:
n accordance with the Fair Credit Reporting, XXXX XXXX XXXX Account number XXXX has violated my right. 

15 U.S.C 1681 SECTION 602 states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While I was out of the country, my identity was stolen, including SSN, my home address, e.t.c., and based on the stolen information somebody applied and obtained credit card on my name, then got cash advance, transfer this money to someone's bank account, and withdraw cash in amount of {$6500.00}. When I returned to US and got credit card statement, I immediately notified Bank of America. Also I wanted to report to police but they refused to accept my complain without Bank of America affidavit. After several phone calls to the bank fraud department and 6 weeks of waiting I finally received from them the fraud statement form, filled it out and sent it to the address listed on the statement along with required paperwork. Today I received an answer from the Bank of America fraud department that my claim is not honored because they can not verify unauthorized money withdrawal. It is totally outrageous!

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 2017-06-17
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to a  XXXX   XXXX  in Hawaii and paid the {$30.00} copay under my plan. They billed me for an additional {$20.00} after the insurance company paid. This ended up being an error on the part of  XXXX  and they 've sent the outstanding balance to a collection agency  - Transworld Systems ,  Inc.  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , PA  XXXX  -  XXXX . I spoke with my benefits department and they called  XXXX   XXXX  and  XXXX   XXXX  who confirmed it was billed incorrectly. I am concerned this is going to show up on my credit report as a bad debt when  one w as never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Nelson, Cooper & Ortiz, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had our bank return a series of multiple fraudulent checks that we did not issue. Subsequently, we received letters from XXXX XXXX XXXX XXXX XXXX requesting that we pay them for the fraudulent checks they cashed. We contacted XXXX XXXX XXXX twice to let them know that the checks were fraudulent and were not issued by us. We then received a letter from Nelson, Cooper & Ortiz demanding payment for these fraudulent checks. Initially we thought Nelson, Cooper & Ortiz was a law firm based on the look and tone of the letter. The letter demanded payment in full for the checks and stated that failure to pay creates a presumption of committing an offense and this matter may be referred for criminal prosecution, that they checks will be submitted to the Justice of Peace for processing criminal charges and a warrant will be issued for your arrest. The letter also incorrectly stated that the checks were returned due to insufficient funds. Upon receipt of this letter, we sent an email to XXXX XXXX, the contact provided on the letter, informing that the checks were returned as they were not issued by us and that we were not responsible for the fraudulent checks cashed by their client. We received a short email response back stating they will update the case and will reach out if they have further questions. We then received a second letter from Nelson, Cooper & Ortiz labeled Notice of Investigation that threatened to make an onsite visit, record images of the facilities, contact banking institutions, creditors and vendors. It also threatened to seek reimbursement for all costs incurred, file liens on any property associated with the debt, file Writs of Execution upon judgement through the XXXX. Upon receiving this second letter, we looked up the company and found that they are actually a debt collection company as opposed to a XXXX XXXX. 
I have attached a copy of all the communication referenced above

Company response to consumer: Untimely response
Consumer complaint received 2022-08-30
Company: Upgrade, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Called Upgrade on XX/XX/22 to request a breakdown of my payments, what is going towards principle and interest. I was informed ( rep also spoke to the XXXX ) that they don't provide that and I would have to create my own amortization schedule in XXXX to get that. Problem is this is not a regular loan where it's set. I make payments and purchases and the amount changes. This information should be clearly disclosed on my monthly statements or given upon request. I have made several large payments to them and have no idea if they took everything towards interest or what. This is information that should be available to any consumer and should be a right to know, not hidden. I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX XXXX raised my interest rate on a credit card after the XXXX financial collapse and causes me to lose my good credit score rating which was unfair to me. Navy Federal Credit Union now is using what XXXX did to me to justify raising my interest rates also. I tried in good faith to get Navy Federal Credit Union to lower my rate with no luck, now Im requesting Navy Federal to follow the Credit CARD Act of XXXX : If a credit card issuer increases your annual percentage rate based on factors such as your credit risk as a borrower or market conditions, the creditor shall consider changes in those factors when determining whether to reduce your annual percentage rate. Every six months ( at minimum ), issuers must review accounts on which they raised the interest rate sinceXX/XX/XXXX to assess whether the facts they used to raise the interest rate have changed. If so, they must lower your rate. 
I respectfully request to have a review showing I have not improved in my credit rating not reflecting the XXXX XXXX credit card. Navy Federal has no reason to deny me my request for lowering my interest rate?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous requests to the credit reporting agencies regarding errors and inaccuracies on my credit report on XXXX, XXXX and XXXX and have not receieved any correspondence from anyone in regards to my requests and the inaccurrate reporting amongst the bureaus are still present.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Receivables Performance Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following company RPM, with provided address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX with listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX XXXX. Even though I have sent a registered letter to RPM during the 30 days of the original notification requesting a detailed statement with the charged expenses, RPM has submitted an adverse filing to all credit bureaus. RPM has  violated my rights by the adverse filing of unvalidated debt with the credit reporting agencies. I am providing all the supporting documents for review, including validation letter request and the registered email receipt, post office notification of delivery and original RPM 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 2022-08-30
Company: Experian Information Solutions Inc.
State: GA
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 Report Act XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Report Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Report Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Report Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-06-17
Company: CITIBANK, N.A.
State: WA
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:
Today I went to check my credit score on XXXX XXXX and there 's an account to called XXXX/Cbna and  Internet said it 's best buy I called and they have no record of me on there. On credit XXXX says limit of XXXX and XXXX is used and account ends in XXXX. I do n't know what this is because I have no card of a limit of XXXX. Can someone please help me understand this and is this fraud?

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 2022-08-30
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported.

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 2017-06-16
Company: ENOVA INTERNATIONAL, INC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I spoke with a  XXXX  on  XXXX   XXXX   XXXX  and I advised that I would like to reduce interest rate to 6 % covered under the SCRA guidelines. I emailed a copy of my   XXXX   XXXX   XXXX   XXXX   XXXX   which has an effective date of  XX/XX/XXXX  through  XX/XX/XXXX , however I am converting to   XXXX   XXXX   XXXX   effective  XX/XX/XXXX  through  XX/XX/XXXX  because I will be deploying overseas. I received an email from the company stating that I did n't qualify under the SCRA guidelines because I obtained the loan on  XX/XX/XXXX . I explained to them I 'm covered under the act because I will be   XXXX   XXXX   XXXX   XXXX   XXXX   effective  XX/XX/XXXX . I spoke with a resprentative today and she said she would re-open the request however she stated that they did acknowledge my   XXXX    XXXX  dates and still stated I did n't qualify. Upon further review of my contract they have me paying 93.22 % per year on a {$6400.00} loan. I have been paying {$480.00} a month. I originally obtained this loan because of the financial difficulties I was dealing with after my separation from my spouse. According to the ridiculous contract I will pay off this loan on  XXXX   XXXX   XXXX  paying them a total of {$22000.00}. That just is n't right and they even said in the email that I was not covered under The  Military Lending Act as  well. I 'm getting ready for my  XX/XX/XXXX  XXXX  XX/XX/XXXX and this loan is  XX/XX/XXXX me out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: CHS, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SCA Credit Services, is trying to collect the PPO discount amount from medical bills that were paid in full. We have repeatedly sent Explanations of Benefits with the claim numbers showing that the claims were paid according to the agreed upon discount between the provider and the insurance company. 

SCA Credit Services, XXXX XXXX XXXX XXXX, XXXX, VA XXXX In regards to : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In looking through the documents I'm finding several different account numbers. Maybe this is adding to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: IL
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:
Once again I have spoken to SEVERAL representatives and they will not help me .... there are inquiries that were deleted BACK ON MY REPORT .... as well as a   XXXX   XXXX     XXXX  account that was deleted HAS BEEN REINSERTED ON MY CREDIT REPORT ... ... my good credit card accounts were irroneously deleted as well as some are reporting WRONG INFORMATION ... I would like ALL THE INQUIRIES  XXXX   XXXX  ACCOUNT DELETED as I told the representative that IT IS AGAINST MY RIGHTS AND THE FAIR CREDIT REPORTING ACT TO REINSERT DELETED INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past several months, I have had to regularly contact mr. cooper to fix their mistakes. mr. cooper claimed to send me correspondence that I never received and threatened to convert me to an escrow on two different occasions. mr cooper failed to get proper documentation from my previous loan servicer and made me provide additional information. I understand incompetence but it felt like a ploy to extract more money from me that I did not owe. 

Approximately a month later, mr cooper threatened to convert me to an escrow account again because I allegedly didn't pay a tax. My title insurance came back clean but mr cooper gave me short notice to resolve a rather complex issue. Multiple employees told me I should just pay the money that I did not owe, which feels shady and underhanded. After doing all the leg work and provided the documentation, I was told I would receive a call that everything was okay. I had to call them again. 

Finally, mr cooper regularly sends out marketing materials that state " Final Notice '' and make me feel on edge. This also feels dubious at best as they are trying to trick consumers into optional coverages and features, again in an attempt to extract more money that they are not owed. Additionally, I have allegedly opted out of their shady marketing campaigns and still receive them. 

I just feel like this is an underhanded company that is intentionally misleading and does NOT have the consumer 's best interest at heart. This is coming from someone who has never been late on a payment and always pays on the first of the month with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Resurgent Capital Services L.P.
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:
I did not open this account. The information is wrong and my name is missed spelled and I DID NOT OPEN OR AUTHORIZE my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the pandemic in XXXX I was layoff from work and had trouble paying my mortgage so I got on the forbearance plan in XXXX of XXXX, In XXXX I started a new career and started the process to end my forbearance plan. I completed a mitigation application and followed many step to end it, they said they would give me a loan modification. That would have really helped me get back on track. Instead I had to call them almost on a weekly basis to try and see what was the status. In mid XX/XX/XXXX I received a notice that I was approved for a deferment, which they had not discussed with me. So now my payment was due and was late. Frustrated, but I do not want to lose my home, so I start to make the payments again. I did not understand why they said they would give me a loan modification but instead gave me a deferment which left me with a 4.25 % interest rate loan, which I now can not refinance because I would need to first pay my deferred balance, in addition they say that escrow/taxes behind so my payment is increased by another {$500.00} per month. Now I have paid my XXXX, XXXX and XXXX payments, but it is really too high of a payment and I should be able to refinance and lower my rates but I feel I can not. My new career is not paying much yet and I really need some help. They also reported my deferment to the credit bureaus and my credit score went from exceptional ( XXXX ) to good ( XXXX ). Can you help me to find a way to lower my mortgage payments please?

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 2022-08-30
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported and threaten for attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan on which I created an auto pay account within my personal bank. So the payment will be donde monthly prior to the due date. The payment history with the bank that has the car loan is excellent never missed a payment and the amount sent every month was over the regular amount. All of the sudden my bank stop sending the payment and the account was behind for nearly two months. They report to the Credit Bureau a delinquency on my account. I never recieved a phone call from the XXXX XXXX.

I contact the bank and they verify my excellent payment history with them, including my amount of the payment been more than the regular. An electronic payment was sent to cover the balance due, which by the way was less than an actual monthly car payment.

Since the lender procced to report my " delinquency '', my credit score is affected. I want to dispute the report and get it removed from my credit report. So my credit will be as good as it was.

Company response to consumer: Closed with explanation