BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I applied for and was approved for {$5100.00} a Debt consolidation loan from XXXX XXXX XXXX located in XXXX XXXX illinois, on that same day I went to My local XXXX to make a payment of {$5100.00} on My Walmart credit card. My payment was submitted to Walmart and a receipt was issued to Me from Walmart noting payment. On the XXXX of XX/XX/2019 it was discovered by Me that Walmart did not post My payment made on the XXXX of XXXX for the amount of {$5100.00}, in fact only {$19.00} of My payment was posted. Walmart refused to explain to Me where My money went nor assist Me on the matter. Upon following up with XXXX XXXX XXXX on the matter I was furnished with copies of My payment to Walmart for the amount of {$5100.00} which cleared on the XXXX of XX/XX/2019 and was not posted to My account. 
Further follow up 's with Walmart to this date have resulted in further complications and no resolution to My issues

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 2017-11-30
Company: Santander Consumer USA Holdings 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 had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to Santander Consumer, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from Santander until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between Santander and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the Santander call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to Santander on the XXXX XXXX while Gap Insurance sent the check on the XXXX. Santander failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one Santander rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling Santander several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because Santander in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Continental Finance Company, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a XXXX credit card from Continental Finance co. and because of hard times and illness could not pay it. They hired a company called XXXX XXXX XXXX XXXX. to harass me and my extended family members. They called my x-wife and grown daughter and told them they were looking for me with legal papers to serve. They have nothing to do with this. They also keep calling me with the same threat. They won't let up. I asked them to stop and send me some paperwork on this and they refused. Spoke to XXXX @ XXXX XXXX XXXX. They are clearly breaking the FDCPA law 15 u.s.c. 1692 against harassing the debtor. They call and say they standing outside my house ready to come in. This is crazy. Please help me with this situation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: LEXISNEXIS
State: GA
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: Information belongs to someone else

Complaint:
LexisNexis is reporting inaccurate information to insurance companies regarding my driving and credit history. My premiums have doubled and tripled and I am unable to obtain insurance from another insurance company due to them reporting to all of them. I can no longer pay my premiums and will lose my vehicle without insurance. I bought a truck in XX/XX/2020 and they are reporting accidents and claims in XXXX and XXXX and many others and I DID NOT EVEN OWN THE VEHICLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For 2 years, XXXX and XXXX, Wells Fargo has not correctly calculated the Escrow shortage or surplus. 

* In their report of Escrow Account History for the period XX/XX/XXXX through XX/XX/XXXX they excluded to include the month of XXXX. Their report listed XXXX then lists XXXX. They failed to include the XXXX escrow payment in their calculation of Escrow shortage or overage. 

* In their report of Escrow Account History for the period XX/XX/XXXX through XX/XX/XXXX, which they ran as of XXXX, they excluded to include the month of XXXX. Their report listed {$0.00} for XXXX but did include an estimate for XXXX. Their failure of not including at least an estimate for XXXX caused the calculation to be an Escrow shortage instead of an overage. 

I called Wells Fargo and even sent them a detailed letter. My last letter to them was in XX/XX/XXXX asking them now that XXXX is over to please recalculate the escrow shortage using actual data for XXXX. They refused.

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 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6, 7, and 8 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Can not access account online at all. Before only checks were not visible. Now no account information is accessible. We are paperless so I have no visibility to any account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Capital is not reporting my credit card history in which Im an authorized user on an account.with all credit agencies like XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company claims that I did not make my XX/XX/2019 payment of {$980.00}. The money was drafted from my credit union account on XX/XX/2019. I have repeatedly called Caliber, the mortgage company, as well as written a letter and emailed them. Nobody will take the time to listen or investigate. This has caused many sleepless nights and much follow- up time on my part. My home is very important to me, as is my credit rating. Their error is costing me both, and they answer my queries in a very superficial way, in effect labeling me confused or worse yet, dishonest. 
I have included a copy of my payment history record for the month of XXXX, 2019. This was provided by the mortgage company. In XXXX there are nine transactions for {$980.00}, the amount of my mortgage payment. 
The first transaction was on XXXX first. Because I was a little short for the payment I requested that they apply their promise program to give me a weeks grace period and they agreed. I handled this over the phone and the representative said he had rescheduled my payment for XX/XX/XXXX. 
The representative apparently rescheduled the payment but did not cancel the original withdrawal. They tried to withdraw the {$980.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both payments bounced. They processed a payment reversal on XX/XX/XXXX and again on XX/XX/XXXX. These four transactions offset. 
There were two transactions for the same {$980.00} amount to unapplied funds. One was positive one negative so they too, offset. 
On XX/XX/2019 there is a {$980.00} transaction recorded as a cash receipt. THIS IS THE PAYMENT DRAFTED FROM MY CREDIT UNION!!!! THIS IS MY XXXX MORTGAGE PAYMENT!!! However they did not record it as interest and principle, which is how they record all monthly mortgage payments. 
On XX/XX/XXXX, this amount was subtracted and listed as a {$980.00} escrow refund. In effect they increased the amount in my escrow account by the amount of my XXXX payment. I just received a letter from them saying my monthly escrow payment would be decreased due to the high balance in my escrow account. 
The end result is they took the cash they received for my XXXX mortgage payment and applied it to my escrow account. They then claim that I never made a XXXX mortgage payment, and are assessing me late fees for not making a payment. I have to be the only person in the world that forgoes paying my mortgage to make a deposit equal to my mortgage payment into my escrow account. 

I am including a copy of this payment history details provided by the mortgage company, and my credit union statement showing the payment left my account. 

I can provide my payment history from Caliber Home Loans as proof that they have messed up as well as my XXXX bank statement to reiterate that the money was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: M&T BANK CORPORATION
State: MD
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:
XX/XX/XXXX, the bank was instructed not to honor any ACH debits from XXXX XXXX. There were some issues that were eventually resolved after a complaint was filed. 
However, the problem has happened again. 
On XX/XX/XXXX the bank honored 2 ACH debits from XXXX XXXX. I called numerous times with no results : XX/XX/XXXX - Was told the would be credited within 48 hours. They were not. 
XXXX/XXXX/XXXX - XXXX stated she would research it and call me back. She did not call back. 
XX/XX/XXXX - Spoke to XXXX. She told me the ACH instructions had expired, and I would have to fill out new forms, which would be sent to me within 10 days. Once I returned the signed forms, the bank would respond within 45 days. 
The ACH did not expire, as there was subsequent ACH charges that were allowed and then credited back to my account. 
I believe i was lied to and decided to reopen the complaint.

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 2020-05-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello there, I recently applied for a suspension payment in my mortgage through wellfargo which was accepted, but now it has hot my credit score. I called the Bank to seek help but they were no able to assist me.

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 2018-04-26
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: Information belongs to someone else

Complaint:
cra violation inaccurate information sent to ftc XXXX  breach po report sent to all bureaus

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 2018-03-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I went to open a Bank account and once they ran the XXXX 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to XXXX on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter onXX/XX/XXXX requesting that they send me proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: GA
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 mailed in several letters to XXXX and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 mailed in several letters to XXXX and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.

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 2019-04-16
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage using the XXXX XXXX app on XX/XX/2019. I was told the auto pay was turned off. On XX/XX/2019 a duplicate payment went out for the same mortgage. Also on XX/XX/2019 the loan was unbeknownst to me sold to m and t bank. 
They are still sitting on a duplicate payment for XX/XX/2019 for 16 days now. 
I have talked to 4 supervisors and they say exactly the same thing each time. 
They all say something happened but they escalated it to the back office pay for next day return to my account. 
And then its back to square one going through this 4 times. They keep saying they do not have a bank document but I have emailed it and also faxed it to them ( they end up saying ti will be out today or tomorrow into my account. 
They are just sitting on it to get those 2 dollars of interest it makes sitting in their 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 monetary relief
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 SENT A DISPUTE TO TRANSUNION, XXXX AND XXXX IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE THREE ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO TRANSUNION AND XXXX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON TRANSUNION. I ONLY WANT ONE ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.

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 2019-04-16
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency Independent Recovery Resources ; IRR, Inc. 
XXXX XXXX XXXX XXXX, NY XXXX has placed a negative item on my credit report that's is NOT valid. XXXX XXXX reporting has agreed with my dispute but this collection company has not removed this item from my credit report. It's is listed as a late derogatory credit account without any documentation to back up their claim, no statement of financial obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My Loan is a simple interest loan, Santander has continue to send my payment notice to a previous address for almost 2 years, creating extra interest, exposing my credit to owners of my previous house, despite repeated attempts to have my address changed. Ironically my payment receipt comes to my new home each month.j I feel that Santander has intentionally created this issue, to embarrass me to the owners of my previous home and as a way to collect addtional interest and against my loan. My conversation with them resutled in a refund of XXXX in late charges and nothing more. I have received 2-3 calls everyday when a payment is late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Creditor is XXXX XXXX XXXX and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.

Company response to consumer: Closed with explanation