BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2019 I mailed a cashier 's check. # XXXX for {$19000.00} to XXXX XXXX, overnighted by XXXX. I received a call from a XXXX XXXX representative on XX/XX/XXXX stating they received the cashier 's check ; however, I had an additional {$550.00} in property taxes that needed to be paid ( which was totally unexpected ) but I paid online through my Michigan XXXX XXXX XXXX bank account the same day. Now after this payment they said that I would have to wait up to 15 days to receive my title in the mail. Well that date would've been XX/XX/XXXX. Yesterday I received a call from XXXX XXXX and the representative asked had I decided what I wanted to do about the vehicle? Did I want to turn in the lease or did I want to purchase vehicle? Needless to say, I was flabbergasted. I told her I had already purchased the vehicle. Then asked her does she not see the funds on my account? She indicated seeing the {$550.00} for property taxes posted but she did not see the cashier 's check payment of {$19000.00} posted to my account. So after going back and forth with her I hung up and called my bank. Michigan XXXX sent me over a document proving that the cashier 's check had been reconciled as of XX/XX/XXXX. So I called back, spoke to a finance supervisor and told her that I have been given a copy of the endorsed check by my bank noting it was cashed XX/XX/XXXX. She said that I should fax it over and they'll try to find the monies. I did that. Well then they said they had posted it to the wrong account and now they're going to correct the matter. But since payment is going to post after XX/XX/XXXX now I have an additional {$21.00} to pay.? XXXX $! Grudgently, I went online to pay that. Today, XX/XX/XXXX they're saying it still hasn't posted to the account. Once payment posts to the account then 5 to 7 business days after they can close the account. Once account has been closed then wait up to 15 days to receive my title in the mail. Nothing else I could do about it but wait. I have a problem that wait. I have a problem with the fact that I had to pay the extra {$21.00}. I have a problem with the unexpected required payment of {$550.00} in property taxes. I have a problem with them mishandling my {$19000.00}. I only have one account so how was it even applied to another account if not one of mine. The finance supervisor insisted no way to get immediate assistance and there's no one I can talk to in the accounting department. Which is the dept that is now going to finalize my account but won't handle it expediently. So this is my complaint and it's outrageous, unprofessional and unacceptable. What can I do about this? I need to have my issue resolved. Someone should be able to help. Pay, wait, pay, wait, pay, wait and wait some more is not working for me. I have other business pending that I can't move forward with until I get the lien release from XXXX XXXX. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am writing to lodge a formal complaint about the theft of funds from my escrow account from my XXXX Mortgage. I had a previous mortgage with XXXX and did a cash out refinance with XXXX that was effective XX/XX/XXXX. 
When I received my final settlement escrow papers from XXXX XXXX XXXX there were extra fees include in it that was not disclosed in my signed Closing Disclosure Documents. Because of the additional fees, XXXX took the {$1400.00} from my prior escrow instead of refunding the amount that was in my prior escrow. I did authorize that to be done that way and I certainly did not agree to any extra fees that were not disclosed upfront. 
In my signed Closing Discloure Document, my loan amount was to be {$270000.00}, when I received the Escrow statement in the mail the amount is now {$270000.00}. I certainly did not agree to that amount. 
I have attempted to contact my loan servicers XXXX XXXX and XXXX XXXX at XXXX and neither of them has gotten back to me to discuss this issue. I also attempted to contact XXXX XXXX from XXXX XXXX XXXX about this issue and have not heard back from her. 
The tacking on of the additional fees and stealing the funds from my prior escrow represents fraud and outright theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$40.00} US DEPT ED XXXX XXXX : {$1500.00} US DEPT ED XXXX XXXX : {$4800.00} US DEPT ED XXXX XXXX : {$580.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-01
Company: Happy Money, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Happy Money ( PAYOFF loans ) issued me a loan which they make it difficult to make final payments and caused my account to incur additional interest. They will not issue a 30 day payoff which does not appear to cause additional interest except for the fact that their website does not allow me to make the last smaller payment to close out my account. My account shows past due even though I made a large payment in excess of the actual amount due a week before the due date. 

When I attempted to make my last payment, Happy Money does not allow to make a small payment and only allows for the regular monthly payment. My options from the website are to over pay hundreds of dollars or contact them to setup the payment. This again causes increased interest to my account. 

The first time I reached out to the company I received a response that they are closed for 2 days due to a company outing. More interest. 

When they got back to me the payment could not be scheduled for a few more days. More interest. 

All of this extra interest might be a small amount but they are doing this to multiple customers. I found this out by looking at social media and found others complaining of my same situation. This makes me feel that it's done on purpose to increase profits. 

I have included 2 screenshots. One shows that I made a large payment but yet the website still says I'm past due. The second shows that I'm unable to pay the {$81.00} balance. The {$81.00} has additional interest because I was unable to pay using the website but they do not provide a statement that shows this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Same issue as before, which Equifax won't address and you, CFPB, are REFUSING to investigate and hold them accountable. Are you guys drunk on the job?! When Obama was President, this organization had the consumer 's back, they worked hard, they listened to us, they resolved issues and held companies accountable - you guys aren't doing XXXX! AGAIN... I froze my credit with Equifax and they unfroze it without my authority, knowledge or the use of my PIN. And YES, I have a file with them and NO, I'm not a third party, I am me. This is the last EMAIL of nonsense they sent me and you, CFPB, signed-off on : This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

What the bloody XXXX is going on? And why do you, CFPB, continue to allow them to NOT answer to their unethical behavior that they exhibited with my account? Do your flippin ' job, ask them questions, hold them accountable and resolve this! This is absolutely maddening and shame on all of you for NOT DOING YOUR JOB AND PROTECTING CUSTOMERS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I went to my bank ( Key Bank ) and ask them to E.T.F. {$550.00} from my checking account to my landlords bank account ( XXXX XXXX ). My landlord provided my bank with her account information but XXXX XXXX the Relationship Manager for Key Bank wrote the account number down missing one number so he sent a check out onXX/XX/XXXX. To date the money was taken out of my account but the landlord or her bank has ever seen this check. On XX/XX/XXXX my landlord, her bank ( XXXX ), myself, my bank ( Key Bank ) all got together to find out why this money was not deposited into my landlords account and it was discovered that XXXX XXXX errored in writing down my landlords account number and that a check was sent out but no one knows where it is now. I went to my bank and personally talked to the bank manager and explained the problems this was causing me late fees on my rent damage to my credit and that I am now in jeperdy of getting a eviction notice. The bank manager said he personally would cancel the check and credit my account that day so I could withdraw the money to pay my rent but to date that has not happened. Additionally, when I first opened the checking account I got on line and received a promotional code for {$200.00} for opening the checking account with Key Bank and was told I would have to go to a key Bank branch office to open the account because they needed to see my I.D . card and social security card XXXX said his computer was down that day so he went into the bank manager office to record the promo number so he could take care of it latter. Latter never came and when I questioned him about it he said he couldn't find it and left it at that. I'd like to get that promo reward

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: U.S. BANCORP
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
MY bank branch says I was target of an unsuccessful phishing attempt. Message on my cell phone said " USBANK ALERT! Visit personal link at : XXXX. '' Other number:XXXX XX/XX/2017 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 2021-04-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been working to improve my credit since XXXX in order to qualify for a VA home loan. I have attempted several times to have the credit reporting companies to update two specific accounts, of the three major agencies, only XXXX XXXX has been keeping up to date. Experian and XXXX  are both lagging. Experian has even denied a dispute despite having records of payment in full. I have been working with a lender and realtor who are helping me improve my score and as of XX/XX/XXXX, I have decided to start the process of buying a house. Nobody can do anything until these scores are updated. I was instructed to settle these specific accounts, as doing so, will boost me over the minimum qualifications for several loan originators. It takes mere hours for a negative report to show, but it can take over a month or more to show an improvement which is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to XXXX XXXX XXXX XXXX, stating that in the " contract '' there were so many violation that I verified through 15 USC. I wasn't given the option to rescind, not documents were sent to me as the should pursuant to 15 USC 1635. The finance charge was disputed ad not being the sum of all charges as 15 USC 1605 was mentioned in letter. The contract states cash or credit not both. I paid a down payment of {$4000.00}. There is nothing on the contract about a cooling-off period, pursuant to 15 USC 1605 . The insurance was not included pursuant to 15 USC 1605. A email was received from XXXX XXXX ( XXXX XXXX ) XX/XX/2022, asking me to discuss my concerns. My concerns were clear in the letter sent and I asked that she reply to the letter. I then received a closed alert from CFPB and a response from Credit Acceptance. I then sent a email to XXXX XXXX XXXX of Credit Acceptance on XX/XX/2022. I later received a call from Credit Acceptance legal department asking me to call them which I returned the call and was told me " letter ' was received and they were reviewing it. At this point in all of this, I have been abuse, discriminated against, lied on and also taken advantage of by Credit Acceptance Corporation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXX XXXX XXXXBalance : {$1000.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1300.00} XXXX XXXX XXXXBalance : {$940.00}

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 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is reporting incorrect last payment date for transunion it states the last payment was XXXX XXXX and for XXXX it states the last payment was XXXX XXXX please verify and delete all inaccurate 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 2022-01-07
Company: Experian Information Solutions 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:
I sent a billing error notice for an erroneous account that is being listed on my both my Experian and XXXX credit reports which they received on XXXX XXXX, XXXX via certified mail. It was not a dispute but rather a billing notice that the account is in fact not mine. Within the packet that I sent to both, it included the Billing Error Notice along with Exhibits explaining how the account is not mine. I havent gotten any results via mail from them but rather Experian is only notifying me on the website. When I checked their site the other day the notification said my results were done but the account is still being listed on my consumer report as of XXXX XXXX, XXXX. I already reported XXXX and they said it was deleted from my account but has not been yet.

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 2019-02-17
Company: SYNCHRONY FINANCIAL
State: TN
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:
XXXX had an error in their system. Section 6-11 specifically indicates during reinsertion they have to legally give a 5 day notification and this didnt happen. I informed customer service that I was a victim of their inquiry issues and they wouldnt take care of it. 

Please see the following inquires down below that Im requesting to be removed immediately. 

Syncb/JcPenny XXXX-XXXX  Fl XXXX Inquiry XX/XX/XXXX Syncb-XXXX, Fl XXXX Inquiry XX/XX/XXXX XXXX/XXXX XXXX, SD XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX , CA XXXX Inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX-XXXX, OH XXXX Inquiry XX/XX/XXXX Syncb/XXXX-XXXX, Fl XXXX Inquiry XX/XX/XXXX XXXX XXXX-XXXX, MD XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX , DE XXXX-Inquiry 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
Consumer complaint received 2022-09-01
Company: Clearview Resolution Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Action demonstrated on the Org Date XX/XX/XXXX first contacted by XXXX XXXX XXXXXXXX XXXX XXXX on behalf of XXXX XXXX XXXX for {$950.00} Tribal loan? 
XXXX XXXX wouldn't mail me any validation of debt, I requested any " history information or bank information nothing was ever mailed to my address, but more calls from XXXX XXXX. 
I requested a copy of the contract agreement to be sent and nothing ever was sent to me once I filed this complaint. 
I sent a letter back to the Clearview XXXX XXXX regarding the same " debt '' that XXXX XXXX is trying to collect on. 
Then on XX/XX/XXXX I get a email from XXXX XXXXXXXX, XXXX, Status : Verification of Debt Account ID : XXXX Original Creditor : XXXX Open Date : XX/XX/XXXX NSF Date : XX/XX/XXXX Current Balance : {$950.00} I sent this email back to On Mon, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX wrote : One last note I was a victim of Identity theft about 5 years ago. 
I placed a " fraud '' alert with the credit bureaus. I have never heard back from anyone until I got a " credit report alert from XXXX that " XXXX XXXX XXXX " place a collection of {$950.00} on my report. 


Actions taken by Me : I contacted the Division of Consumer Finance Office of Financial Regulation, in XXXX FL to ensure my rights as a consumer isn't being violated and my credit isn't damage from what the calls from XXXX XXXX indicated would happen and other ' threats '' XXXX XXXX, Financial Control Analyst was my Examiner of the complaint Complainant Name : XXXX, XXXX Complaint Number : XXXX Complaint Regarding : XXXX XXXXXXXX XXXX XXXXXXXX Examiner Name : XXXX, XXXX A Status : Closed Complaint Regional Office : XXXX

Company response to consumer: Untimely response