BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Santander repossessed a vehicle in XXXX XXXX and the last correspondence with them was to find out where vehicle was to take possession of personal property left in the vehicle. Have not received any correspondence in regards to if vehicle was sold at an auction or if there was still debt owed. Through looking at my credit reports I found there to be a total due. I disputed that $ amount and it was then reporting {$0.00} owed and sold or transferred. XXXX XXXX, XXXX I mailed certified letters asking for validation of debt and any information about the repossessed vehicle. I have n't heard or seen a reply back from either Santander, XXXX XXXX or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Hampton & Hampton Collections LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received letter on XXXXstating i owed {$15000.00} in violations, starting from XXXX ( no " violations '' XXXX to XXXX ) .never heard of this before. I have asked 6 times for ALL documents, they say they do not have any, nothing in " my file '' and " what documents? '' after I requested waiver of ALL fines, they sent me letter : they took off {$14000.00} in fines now I " owe '' {$1000.00}, it must be paid by XXXX XXXX OR they will put back the {$14000.00} in fines.and if I have " repeated violations '' of previous infractions will result in the full amount of the fines being reinstated. 
This is complete blackmail and extortion. i do not know what so called " violations '' they are referring too, they sent me two different bills, with different dates and different amounts, when i email questions, they never answer. i have asked 6 times for information and documents. if " they '' deem a repeated violation they will charge me {$14000.00} again, which i do not owe. this is completely illegal. 
they have violated 8 prohibited practices for collection agencies XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-01-28
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : Caliber Home Loans erroneously paid my property taxes even though I dont have an escrow account. Caliber then bumped my payment from {$640.00} to {$1500.00} to cover their mistake. Please see the upload escrow breakdown. They failed to property calculate taxes and force-placed escrows to cover their mistake. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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: Information belongs to someone else

Complaint:
This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with EQUIFAX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after EQUIFAX supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address EQUIFAX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to EQUIFAX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was notified by XXXX XXXX today that my XXXX and trans union accounts were negatively effected by a report by XXXX XXXXXXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX  shows it is.

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 2019-05-14
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: Account status incorrect

Complaint:
I have contacted Equifax several times regarding incorrect information. My accounts are showing closed when they are active. One account is showing a XXXX  balance but in collections. My name is wrong. I was told to file a dispute only to have my score drop over 30 points. Called regarding it again and they said all I can do is dispute and there is nothing they can do about the score dropping with each dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: Conduent Incorporated
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have tried to transfer money from my card to my account many times but I keep getting this message cash credit client adjustment and they wont sent my money where I want it and Im tired of this for more than 2 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was behind on my credit card payments and couldn't make any payments of any kind. I was told by and gotten written letters from my other credit card companies they must by law do a charge off after 6 months this is the only card that didn't, and they kept charging me interest and late fees for over a year without charging this account off but instead kept it open to pile on the fees now they sold this off to another company for the higher amount then I owe. And I can't get into my account on the website to get statements of any kind they took it off. I even have a check from the credit card company I never cashed in the amount {$53.00} that should have gone towards my balance since I never got to cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: TX
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:
I have contacted XXXX  and Experian on numerous occasions in regards to the duplicate Bankruptcy that is on my credit for XXXX please see below as this doesn't belong to me. I provided the document to confirm that the one for XXXX is the only BK I submitted. See the attachment jts not for this below. 

Type Chapter XXXX bankruptcy dismissed Case number XXXX Date filed XX/XX/XXXX Status date XX/XX/XXXX Date reported XX/XX/XXXX Date paid XX/XX/XXXX Account Designator Co-maker

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 2019-05-14
Company: ATG Credit, LLC
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: Information belongs to someone else

Complaint:
This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX  supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address XXXX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called from local number XXXX-XXXX-XXXX and threatened to come to place of work for a signature, requiring a supervisor or HR rep from my company present as a witness. Left callback number of XXXX-XXXX-XXXX. Message was a recording, exact wording as such : I'm a private carrier contacting you in regards to a sealed document that requires a signature from you they are scheduled to be delivered and presented to you at a place of employment or residence within the next 48 hours between XXXX XXXX and XXXX XXXX please make sure to have two forms of valid ID and A witness to sign off on the document if you happen to be at a place of employment you will need a supervisor or HR representative to sign off as a witness if you have any questions or would like to place a stop on the service please contact the filing party immediately at XXXX-XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.

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 2021-03-10
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
SchoolsFirst FCU CHARGED MY ACCOUNT {$320.00} for a XXXX XXXX vacuum that was RETURNED. XXXX sent an email to me verifying the return. XXXX lied & claimed it wasnt the same vacuum. When I demanded proof, they did not reply and KEPT my money and CLOSED my XXXX account after my having this account for over 10 years. I disputed the charge with SchoolsFirst FCU but they did believe XXXX. I demanded PROOF from XXXX that the return was damaged or not the same. Absolutely NOTHING was sent! XXXX NEVER sent back anything ; never sent proof but they KEPT THE RETURN and KEPT MY MONEY! 

Schools First Supervisor XXXX AGREED with XXXX in spite of the evidence to the contrary and she charged back my account {$320.00} causing my account to go into the negative on XX/XX/2021. 


XXXX & XXXX at XXXXchoolsFirst FCU have demanded that I should have kept and paid for defective items and that I should have had continuously allow XXXX employees to fraudulently use and steal my debit card to make fraudulent purchases on my behalf. 

SchoolsFirst FCU AND XXXX continuously tell me that there is NO ONE who will refund me or who I can talk to or that someone will call you back. No one does but steals my money instead and keeps my account in the negative : /.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EVERBANK, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home mortgage loan was transferred from XXXX XXXX XXXX , XXXX to TIAA BANK, effective XX/XX/19. 

I set up a user name and password to access my account and was successful in doing so. I visited my account several times after the initial establishment of online access, but one day I could no longer log in to my account. I contacted customer service and I was told the reason for this problem : TIAA BANK can only be accessed with XXXX XXXX and my XXXX XXXX browser was incompatible, but their I.T. Dept. was " working on it ''. I was told if I wanted to gain access to my account, I should download XXXX XXXX. 

What gives?? I've NEVER heard of this from any company I do business with. It appears that TIAA is trying to steer me to use XXXX XXXX This sounds ludicrous, dishonest and possibly illegal. I don't want to download XXXX XXXX or anything else. I contacted TIAA through social media today again, after I tried to login to my account with no success. A CSR contacted me after a few hours, only to apologize for the situation and that their I.T. Dept. was still working on this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: JPMORGAN CHASE & CO.
State: MD
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:
I opened my Chase account XX/XX/2017, I have been making the payment on time since 2017. Last year, I had a minor XXXX and I was unemployed for six months, it kept me so behind on my bills since I didn't have a job. I explained this situation to many chase reps and asked them to help me with my financial crisis. I also asked them to waive the late fees and also reduce the interest charges because it's too hard to pay off with my situation. They refused to waive the late fees which is {$37.00} and also refused to waive the interest charges. Now, my balance is {$9100.00} and I started my card with {$8300.00} limit. My minimum payment is {$1800.00} and it keeps showing on my credit report as a delinquent account. I spoke with many people and they all are helpless. They do not help at all on the other hand, XXXX XXXX really helped me out when I was in a same situation. 

I can not pay such a high amount because I don't make much and I am also an XXXX XXXX so it's super hard to pay off the whole balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been a customer of XXXX for many years. I've never been late on one payment. They failed to process my annual income certification for IBR, which created a cascade of problems. Most recently, the company has reported my account as " Payment Deferred. '' I never once have requested a deferment or forbearance. As a result, my credit score has decreased. The company is so bad at addressing problems that itself has caused. I've had no less than 10 separate calls to customer service reps who have never been able to fix or address any issues - and in fact just create more problems. Now, my credit is damaged because of something the company did without my consent or request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid the XXXX XXXX XXXX XXXX people to negotiate with my lender for my loan modification ... .... and theyve ask me to pay {$16000.00} dollars up front, they say this will served as a bond and would be refundable after the loan modification is done. This was way back in XXXX. And then last year if Im not mistaken XX/XX/XXXX, theyve ask me to pay another {$6500.00} dollars for their legal team to handle my loan modification. Then sometime in XXXX of the same year, they send me a confirmation letter that the said modification was already been approved and theyve asked me to pay in advanced the 3 months probationary period so that according to them they can be able to negotiate for a lower monthly payment, which I did.I paid them more or less another {$7000.00} dollars.Then after 3 months I called XXXX XXXX, XXXX aka XXXX XXXX and a certain XXXX XXXX XXXX, that the probationary period already ended and how come I havent received any regular billing statement from the lender. Theyve told me that I was lucky because the lender doesnt ask me to pay anything yet and maybe theyre still evaluating my monthly payment and they assured me that nothing to worry about cause my case are well being taken cared off. I went spoke to them last XXXX of this year, I even told them that one of this days I might receive a foreclosure notice from the lender, and they assured me that thats not going to happen. Then after a month, sometime in XXXX the thing that Im worrying about happened.I received a writ of ejection notice from the lawyers of the bank. And I tried to call this people but can not reach them, I think they de-activated their phones. So I still try calling their office and to my success I was able to speak with XXXX XXXX XXXX, Ive ask him why I couldnt reach XXXX XXXX, he informed that shes in XXXX cause the in law is dying, I told him that what I know she was divorced from the previous marriage and he told me that was the boyfriends mother.Ived told XXXX that I feel like Im getting scammed, he told me theyre doing everything and will update me.Ived waited for their update but it doesnt happens.So I decided to call them again but to my dismay the only thing I got when I dialed their number that it was temporary out of service. Now to hold the foreclosure proceedings for the meantime, I filed a chapter XXXX bankruptcy.Tomorrow XX/XX/XXXX, Ill be attending the said hearing at around XXXX XXXX Hawaii time. With this problem that Im facing right now, I wish that your good office can help me negotiate with Mr. Cooper ( XXXX ) to be able to secure the loan modification that Im trying to for the past 3 years. Hoping that you could help me save my property from foreclosure. Looking forward for your help. Thank you very much in advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: GA
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:
In an attempt to collect an invalidated debt, XXXX, XXXX. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, XXXX XXXX threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by XXXX to collect something that has not been validated and that I do not owe. I am fearful that XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX, XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX, XXXX for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -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