BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: Sequium Asset Solutions, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recently I have learned about my consumer rights and realized a correspondence from Sequium Asset Solutions LLC received on XX/XX/2020 threatened to damage my consumer report in which they did by dropping my score by XXXX points as you can see in the attachment. I have recently sent a cease and desist along with a debt validation to Sequium Assets Solutions, LLC and have yet to receive any correspondence. I am asking for Sequium Asset Solutions , LLC to stop destroying my credit and stop violating my right to dispute the validity of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2018 I got a letter from XXXX XXXX saying that I needed to update my personal information in my XXXX XXXX XXXX account. 
I promptly went into my online profile and made sure all my addresses and phone numbers were updated. Yesterday XX/XX/2018 I received a final letter stating they had closed my account! My XXXX XXXX XXXX acct through XXXX was closed because I had my XXXX XXXX listed on the acct and they wanted a physical address. The letters from XXXX where not clear or specific in what they needed so i thought i had properly updated my profile. I didn't know they were demanding me to add my physical address to the acct. That is what the XXXX  agent told me on the phone. She also said my acct is in great standing, 10+ years in good standing! I pay early & more than due each month. They say they are protected by the patriot act but I think it's a bogus excuse to close accounts. Something needs to be done! Class action lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail.

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 2020-08-03
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has been on my credit since XX/XX/19. I have made repeated attempts to get this account off of my credit, but the company keeps stating the account meets FCRA requirements when in fact I have never had dealings with this company and the account is a result of identity theft!!! PLEASE REMOVE FROM MY CREDIT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My complaint is with Santander Bank. I purchased my vehicle at the XXXX dealership in XX/XX/2016, new, at roughly {$20000.00}. I have never missed a payment, and have always paid more than the minimum amount required. I have paid over {$23000.00} but yet still owe {$15000.00} on the vehicle. My interest rate is 24 %!! I was told by the lender as long as my payments were met on time, the interest would drop. I have tried to refinance at other banks to get a lower interest rate but no one will touch the loan because the loan is considered " upside down ''. Basically the car is now worth about {$12000.00} and my loan is more than that. I checked my payments to find only about {$110.00} of my {$600.00} payments was being applied to my principal, even after requesting them to apply the extra payments directly to my principal balance. I contacted Santander to see if, due to my excellent payment history, would they refinance me and they told me no, they don't offer refinance. I discussed returning the vehicle and was told they would make sure it stayed on my credit for up to 7-10 years and it would prevent me from financing other vehicles, or even a house. I've been a perfect customer to this company, I've paid them well over what my car was worth and what my loan was for. They have been rude every time I have reached out to them and have offered no help nor logic reason as to why I still owe them {$15000.00}. They are predator lenders and take advantage of good people just trying to make a living and have a reliable vehicle. I wish to be refunded the extra money i paid over what my original loan was for and to be considered as PAID. I wish for someone to look into them and request them to lower their interest rates, and at least give good customers the option to refinance at a lower cost after establishing a good payment history. My credit is better now than it was when i purchased my vehicle, but due to the large balance with Santander it throws off my debt to income ratio so I don't qualify for buying a house or another vehicle. I just want to be done with them so I can move on and begin the home buying process for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is an excessive amount of money in my escrow account. I currently have a supplemental property tax bill due. One installment was due XX/XX/2020 and the next one is due XX/XX/2020. In XX/XX/2020 I called NewRez and asked if some of the excess escrow funds could be used to pay the supplemental bill. I was instructed to send an email with my request and the tax department would review my request and reply to my email. After one month, they had not replied. I contacted NewRez again and was informed that my email had been received and a reply should arrive shortly. No reply came so I paid the first installment. In XXXX I sent another email asking that New Rez terminate my escrow account. When I purchased the loan the escrow account was optional since my down payment was over 20 % loan to value. I received no reply to that request either. I called New Rez again in XXXX and they decided to escalate my case. I was told I would receive a reply within 2 weeks. Today is XX/XX/2020 and have yet to receive a reply to the XXXX or XXXX emails I sent as well as the phone calls. 

I hope you can help.

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 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank Of America Acct # XXXX In XXXX of XXXX I did an EFT from my savings acct at XXXX to my mortgage loan at Bank Of America. The representative for BOA credited my mortgage loan XXXX but did not debit my account at XXXX {$120000.00}. In XXXX, I then received a payoff in the mail from BOA in the amount of {$150000.00}, on XX/XX/XXXX I made that payoff of {$150000.00} and received A CONGRATULATORY LETTER and my note stamped PAID IN FULL. 
In XXXX of XXXX, I got a nasty letter from BOA demanding {$120000.00} within 48 hours or my loan would be reinstated. I was unable to come up with {$12000.00}. Shortly thereafter, I received another letter from BOA stating my loan had be reinstated and the new balance was {$130000.00} with an interest payment of {$430.00} and principle payment of {$1100.00}. 
I had missed 7 payments due to Bank Of Americas error. If my interest charged with each payment is {$430.00} x 7 ( months ) = {$3000.00}, BOA had charged me {$10000.00} in interest!!! Which means they charged me {$1500.00} per month in interest vs {$430.00} BOA overcharged me {$7800.00} in interest

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 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-03-19
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18, I received a communication from XXXX XXXX XXXX XXXX in an attempt to recover a debt on behalf of original creditor, XXXX XXXX. Contents of letter indicated they were offering to settle the debt at 35 % of balance owed over the course of 24 months. 

I called the office notated on the letter to offer to pay the settlement offer outlined, in full, via bank check, provided they send over a letter, on company letterhead, outlining the following : 1. Verification of debt 2. Verification of authorization to collect debt on behalf of XXXX XXXX 3. Terms of settlement offer 4. Next steps for discharging debt/judgement with XXXX XXXX attorneys ( Satisfaction of Judgement ) The original call center rep, XXXX XXXX, attempted to collect information irrelevant to the settlement offer I was agreeing to pay in full today, such as employment information, why I was in debt, what I am doing to prevent it, as well as information to secure a post dated check from me, or bank routing details. 

I further confirmed that I will await settlement terms above in writing, and upon receipt, will send full settlement offer via Bank check. They seemed unwilling to entertain any conversation that did not entail passing them my personal banking information. 

After conceding to sending the above letter to me via overnight mail, she put me on hold to verify with her floor supervisor, XXXX (? ), who then took the line and proceeded to argue that they would not verify in writing that they are authorized to collect debt or authorize settlement. 

After further escalation to his supervisor, whose name I did not catch, I was told the same, argued with, and essentially prevented from paying the outstanding debt if I would not do so without written verification of settlement terms and verification of authorization of their agency to collect. I was told to contact XXXX XXXX and figure it out myself. 

Further, this agency has contacted various parties outside of myself in attempt to collect debt, and without the above verification, I have requested they cease and desist and further communication, via any channels. 

I then contacted XXXX XXXX to discuss alternate means of settling said debt directly. They opened an internal inquiry/complaint against XXXX XXXX, as they are their contracted firm, and will be outlining to this agency that they are to follow the request I have made in order to settle the debt, as it is reasonable and to the letter of the law, and will alternately consider leveraging a different third party collection agency to settle said debt on their behalf.

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 2021-09-14
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:
I have reached out to Equifax commanding them to remove/delete inquiries off of my consumers credit report. Equifax has yet to do so. 
Under 15 USC 1681-Permissible Purpose Of Consumer Report.

( a ) In General Subject to Subsection ( c ) any consumer agency reporting agency may furnish a consumer report under the following circumstances and no other : ( b ) in accordance with the written instructions of the consumer to whom it relates. 

I did not give Equifax my written consent to report anything on my consumers credit report. Only I can validate anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
In XXXX the contacted by XXXX XXXX for a job in advertising campaign. Received a Check on XX/XX/XXXX and it didn't cleat the bank closed my account.- XXXX Credit Check Deposit ( Mobile ) Reversal XXXX XXXX Credit Monthly Interest Paid XXXX. 
XXXX XXXXredit Check Deposit ( Mobile ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I spoke with a lending agent and all my conversation were recorded. Closing costs and fees were not to exceed {$700.00}. Estimates attest to the same. At closing, pdf file document is doctored and shows fees which total monthly costs in excess of {$900.00}. I never agreed to this. They are pulling a bait and switch in hopes that I just sign. It is deceptive and lending done in bad faith. The names of Wells Fargo agents   involved are : XXXX XXXX, XXXX XXXX, and XXXX XXXX. They operate in unison to conspire to defraud me as a lender by shifting numbers at closing.

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 2021-06-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has permanently limited my account without any reason and warning so I have funds in my PayPal account I want to restore my ccount my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I already submitted a cfpb complaint pertaining to this issue. The issue is reporting and how much inaccuracies there are. As a creditor you have an obligation to report accurate information that is 100 percent verifiable. This is not the case. Instead of saying you have to report accurate information and can not remove. You should read the Fair Credit Reporting Act it clearly lays out that if information is not 100 percent verifiable it has to be removed. The irony of your company saying it has to report accurate information when clearly you can see in the credit reports that is not the case. Just look at the attachments. XX/XX/XXXX has a MAXIMUM DELINQUENCY of 120 days between XX/XX/XXXX and XX/XX/XXXX, but on Experian the delinquency are 180 days between XX/XX/XXXX and XX/XX/XXXX. If my elementary school taught me anything 180-120=60. That is a 60 day difference in the reporting also know as two months. Also the original charge off was {$3600.00}, then your company updated it to {$2800.00}. Why did you update the number to a dollar amount that no statement has. XXXX settled with me for {$1500.00} dollars as you can see on the settlement papers I already paid {$1000.00} so back to elementary school XXXX. Which is one more payment which I will not be making till this is resolved. Removal of your account from my credit report is not an option its an obligation you have inaccurate reporting and which ever way you try to spin it doesn't change. I have all the documentation i just want this resolved. The CRA will remove this account one way or the other, it doesn't take a banker to figure out that your company was negligentful in the reporting. You can either remove this account after an " investigation '' a child could do, or I will be mailing you guys ligation papers, and will be seeing you in court. The law is quite clear on your obligations. Also I have documentation of your company having a system error on XX/XX/XXXX. XXXX has confirmed this and your customer service has confirmed this. How does a XXXX dollar company not keep a small credit card account in order? I am not going to waste my time going back and forth with your company so either this is removed at your own accord or through a court ruling.Just take a look at the attachments and you will clearly see your company is in the wrong. This is no ambiguity in this case, just clear cut.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Dealer Services, I never applied for credit with this company. I tried contacting them and they were no help. I rented a car due to a car accident,

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 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am receiving pre-qualified credit card applications for my XXXX children who are teenagers. The credit card issuer is Capital One. How can this be appropriate. They are no of age to enter into a contract. 


Capital One Application Codes : Daughter Reservation # XXXX Access Code : XXXX Son Reservation # XXXX Access Code : XXXX Please stop this activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian website 'contact us ' page leads to a never ending circle of automated prompts that never lead to a real person to ask a question if you have problems with their website.

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 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with XXXX XXXX XXXX/XXXX XXXX. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. 

XXXX XXXX XXXX/XXXX XXXX has reported the account as uncollected to Transunion Credit Reporting Agency . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). TransUnion has estimated that they may remove the negative data from my report XX/XX/XXXX. 

I am requesting assistance from your agency with asking Transunion to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/XXXX.

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