BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle via Santander which was stolen in XX/XX/2017 after only a few months of ownership. I contacted my auto lender and Gap immediately and now after the vehicle XXXX was paid off at {$20000.00} less the deductible of {$1000.00} and Gap paid off {$4000.00} I am shocked to see that Santander is reporting the account as being in a derogatory status and that I am owing a balance of {$4000.00} with a high balance of {$25000.00}. I have attempted to divulge from this company where the balance derives from as I am not aware that I owe a balance after the payoff. I have subsequently been advised by Santander that the balance relates to interest and fees. Santander has offered me a settlement amount of {$1800.00} to pay off this so-called debt but failed to answer how these fees have been calculated? I have not yet received a response from Santander and this inaccurate entry still reports on my credit files causing hardship and is damaging my credit. As per The Federal FCRA section 623 ( a ) ( 2 ) of the FCRA 15, U.S.C 1681et seq. : including sections 615 to 629 I demand proof pertaining to these fees and require legal evidence that the balance that is reported is owed. Please provide me with this information immediately as I am not prepared to wait any longer for you to remove this inaccurate information and be aware that I am keeping precise records of this event and that I will seek legal recourse from the courts in the form of a small court claim against your company for damages relating to ( 2 ) years of inaccurate reporting against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: ID Analytics, Inc.
State: NY
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 bought a car and took out a loan in XX/XX/2018. I received a letter from XXXX XXXX today, XX/XX/2018, stating that my XXXX credit score was about 200 points lower than my XXXX  credit score. I was rejected for a loan because of this, and my credit score from a more reputable source ( XXXX ) took a XXXX point hit. XXXX did not provide a reason for the discrepancy, and contacting them would require me to send copies of personal documents, like my social security card and my driver 's license, through the mail. To the best of my knowledge I haven't had any delinquencies or late payments. There are many others who have had the same experience, and I do not trust this company enough to send them any documents. The score they gave me is extremely inaccurate, and I worry about future credit problems.

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 2018-08-21
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 information incorrect

Complaint:
XXXX XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

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 2019-03-17
Company: Patriot Finance, LLC
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:
I have a personal loan from Patriot finance. They are incorrectly reporting that my loan is a derogatory status and showing as many days late. We have a payment agreement and I am paying as agreed and my account does not reflect this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Midwest Recovery Systems
State: VA
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 received notification that there is a collection reported on my credit reports for a debt that is not mine.I disputed this as not my debt and requested debt validation and received none. On XX/XX/XXXX there was a debt from creditor listed as cashnetusa for XXXX ( upon researching this company it is an online loan company that deposits to your checking account which I did not even have a checking account ) then again this year on XX/XX/XXXX it is reported this time with a different creditor being listed as XXXX XXXX XXXX  for the same amount of XXXX of which this company is not even in my state of Virginia this was reported both times by Midwest Recovery Systems and is fraudulent. I have never been contacted by Midwest Recovery, it was removed last year in XX/XX/XXXX placed again this year on my report but stating a different creditor. I did not have a checking account to have anything deposited to from XXXX and XXXX XXXX XXXX is not even in my state. This is fraud and I request it be removed from my credit report ASAP. Midwest Recovery Systems has been suspended from being accredited from the BBB even though on their website they say they are. with so many complaints similar to mine this looks like another scam by Midwest Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My payment was late about 8 days or so and I have receive repeated calls from them. On Friday, XX/XX/, 2019, I received 4 calls from HSBC Bank Credit Card. On Saturday, XX/XX/2019, I received 5 calls from HSBC. On Sunday, I have received 1 call already. But, its XXXX EST, so I expect to receive additional calls. These calls are for ONE late payment. I have already scheduled the payment online and I am still receiving harassing calls from them. This is ridiculous and absurd. I am reporting HSBCs abuse tactics because their actions rise to a level of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My mother was contacted, my work was contacted and i was contacted from a company that claimed to be a place that served papers! They said they were serving me at work and my home or i could settle this debt today outside of court! They put me on hold several times to supposedly look up the information for the case! The number they gave was connected to a law office in ny and i live in florida! Then they told me about a old debt not even on my credit report anymore! I chose to settle so i could stay out of court but they did not send any paperwork or reciept as they claimed they would! I reported to my credit card company so i can dispute the charge! XXXX XXXXXXXX XXXX XXXXXXXX is the company but it shows up as only XXXX on the charge! I feel i was scammed and my family and myself were harrassed illegally! 
XXXX XXXX

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 2018-08-21
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX, I Reported : XXXX. XXXX, 2018 {$11000.00} This item has been removed by XXXX ; it has been removed by Equifax two or three times only to be reinserted ; which is against F.C.R.A. law because I was not notified of the reinsertion within 5 days in writing ... I have proof that it was deleted and reinserted also, and plan to pursue litigation if it isn't permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received two credit report monitoring alerts. 
XXXX : XX/XX/XXXX Hunter Warfield - XXXX XXXX XXXX ( Collections ) in the amount of {$430.00}. 
XXXX : XX/XX/XXXX Hunter Warfield - Unpaid in the amount of {$430.00} I am an XXXX XXXX service member and this is not a valid debt. 

I have a perfect credit report with no late or missing payments. I also do not have any obligations in this amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took a loan out with Cash Net USA for the amount of XXXX I have been paying on this loan for over a year now so far I have paid more than my loan because of the interest rate. I am seeking counseling because I am at the point where I just want to XXXX XXXX because this is just to much of a hardship for me, I am a single mother of XXXX my youngest was just diagnosed with a XXXX XXXX  and with those medical bills and with paying for daycare and other utilities that I need in order for my children to survive. It's really taking a toll on me, I tried contacting CashNet back in XXXX to try to set up payment arrangement and the representative was very rude and all she said was " well I am sorry you are going through a hardship, but you took out a loan and that loan has to be paid no matter your situation '' They are shark loans, take advantage of people in need. I am hoping I can have something resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
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:
experian your own report states this account was in collections not payments made meaning that it can not be re aged it also state that status update XX/XX/XXXX you did not investigate anything just reported the same thing you had on record. this was a fraudeulent account i did not pay and XXXX is fradulently reporting that payments were made .I contact them by phone they can not show any type of evidence of how payments were made but re aged this over 7 1/2 years old account remove this account at once report  numberXXXX date XXXX XXXX enclosed as factual evidence of what i am stating REMOVE AT Once

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 2019-05-18
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
During the month of XX/XX/XXXX, I approached my lender about not receiving my car title. After several days I was told that I had a balance. But as far as I'm concerned I don't. 

Prior to my bankruptcy discharge those with a secured interest were sent notice whereby they could advise if I had a balance and this company did not.object. I followed up and sent Exeter a certified return receipt correspondence on XX/XX/XXXX and still no reply. 

Return receipt number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After being told that my number was being taken out of the system at XXXX on XX/XX/2019 I got another phone call that no one talked on the message for minutes and I was told last week that I would not be getting any more calls after being hit by a drunk driver and this is the way Bayview operates. They continue with the harssment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
At the beginning of this month, I attempted to use my paypal credit account, which I ve had for years, to make a purchase of about {$400.00} at XXXX The transaction was denied wth the response " a problem occured with paypal ''. 
I called paypal and was passed to their " security '' dept. I was then told, that " paypal was in the process of changing banks ''. And this would take a few weeks to complete. I was told to try again later ''. 
I asked for a detailed explanation since their assertion seemed contrived, for I did not think they had suspended their business in the mean time. I said to them that their denial of my transaction, was in effect denial of credit, and since my credit score is above XXXX, and have not had any problems with them, no previous payment issues, I was entitled to an explanation. They refused. 
2 days later, I called and asked that my paypal credit account be closed since I could not use it. I was then told that, in fact, it had been previously closed! Obviously they had in their previous explanations lied to me. 
To date there has been no explanation, and I think their dishonest conduct, in the total absence of any issues on my part, is completely discriminatory, unfair, and unwarranted.

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 2019-10-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have filed fraud reports with identitytheft.gov as well as police reports about two auto loan accounts on my credit report with equifax which has not been resolved. I recently purchased a home and didn't know that the accounts were on my credit report all other major bureaus was successful except equifax. 

XXXX XXXX XXXX from XX/XX/XXXX stated that I have a balance of {$8900.00} which I disputed and they said it was a joint account but never said who the joint person was. 

XXXX XXXX XXXX from XX/XX/XXXX shows a balance of {$20000.00} which I disputed because I have no clue of this account as well. I have never purchased a new car and I always buy cars cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Seattle Service Bureau, Inc
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from the XXXX XXXX XXXX about a claim debt that was paid by XXXX XXXX insurance who filed a claim on my behalf for an accident that happen on XX/XX/17. Nevertheless, XXXX XXXX is disputing they are responsible for the claim. However, payment was issued for property damage. I submitted a complaint dealing this previously. However, I have seen that this issue has been escalated. Now, XXXX sent me the same balance that XXXX XXXX is responsible for my claim. I am not responsible for this balance because payment was made to XXXX from subrogation of XXXX XXXX. The damages handle between the two parties was based of the information submitted by me to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Revenue Enterprises, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Revenue Enterprises {$1000.00} Origin was for the XXXX XXXX Colorado it was in XX/XX/2014. This Bill was for the XXXX XXXX back in 2014 I was XXXX Years old at the time and my mom took me to the hospital so I am unaware of what type of insurance I had. I have not received notice of this collection, I am young and I did not know about credit scores or how any of it worked. I have recently started to look into my credit and want to get back on track and fix my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This alleged debt this company says I owe has already been paid. It was paid in the form of ACH payment. Not only do I have the receipt shown payment was RECEIVED, but my receipt also shows payment was APPROVED. I took care of this debt on XX/XX/XXXX. I sent all 3 credit agencies proof that this debt was not only received but also APPROVED! This proof was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The amount that was approved as paid was {$990.00}. I have my receipt saying to print this page for my records. My receipt shows the amount paid, invoice number, Ref number, and Auth Code. There has not been any correspondence between XX/XX/XXXX until present that stated payment was not approved or came back. I would like this removed from my credit report immediately. The company 's name is Kimball Tirey & St John and I forwarded my proof to all 3 credit bureaus. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello and thank you for your service ( s )! 

I TOO.. Want to help YOU and consumers connect with financial companies to understand issues, fix errors, and get direct responses about problems. 

I WISH I DID NOT HAVE TO COMPLAIN TO A 3RD PARTY. : ( It is semi-comforting to know that Submitting my complaint WITH YOU helps OTHERS TOO and plays a role in everything YOU do, helping YOU to identify problems and prioritize YOUR work AND turn MY complaint into action to improve the marketplace. This is VERY important to me! 

Here is my ordeal in brief. 

NO ONE @ BMO Harris has adequately explined to me " EXACTLY '' why my " electronic deposits '' were not acceptable! 

I opened my BMO Harris accout in early XX/XX/2017 with an promotional incentive coupon from the bank itself stating in fine print I need to have " direct deposit OR ANY other electronic deposit '' of {$300.00} or more for 2 consecutive months ( which I actually did for 4 months, see image screen shot ) and " AUTOMATICALLY '' receive {$200.00}. 

The banker that accepted the coupon XXXX XXXX at the XXXX Wisconsin BMO Harris Branch 1st FAILED to inform me promptly that this may not be acceptable while trying to acuse me of being hostile. I was not in any way hostile and was appologized to by another member of the bank for her behaviour. I was VERY disappointed in her lack of timely concern for my {$200.00} incentive, she merely opened the account, DID NOT CARE and/or forgot about the incentive altogether there-after! She sure DID NOT  forget to sales pitch me for a mortgage though!!! 

I NEVER RECEIVED THAT {$200.00} bucks, it has not been a year yet so this is my final attempt to get my {$200.00} bucks before possible court/legal action. 

Heres your coupon! Promo Code XXXX Swing by a nearby BMO Harris branch with your promo code or open your account online now. Well automatically apply the {$200.00} cash bonus promo code when you apply online. Youll get {$200.00} after you open an eligible checking account with qualifying direct deposits. 

I would like BMO Harris executives to credit {$400.00} for my having to wait a year for it now. 


{ END OF MESSAGE TEXT } - ERROR ATTACHING FILES/IMAGES

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 2019-06-11
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a bunch of inquiries I've never authorized. 
1. XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All of these are on XXXX, XXXX, and Transunion and I didn't authorize them.

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