BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
SANTANDER CONSUMER USA was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. SANTANDER CONSUMER USA was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX XXXX, TX XXXX delivered XX/XX/XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course by furnishing the original contract that I rightfully requested per Texas Administration Code Title 22 Part 22 Chapter 501 Subchapter C ( a ) ( 1 ), to send me the accounting and True Bill not a statement, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus and {$10000.00} per month following dishonor in 30 days as required by law. SANTANDER CONSUMER USA did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them immediately as I am buying a home.

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 2020-10-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told by Wells Fargo that I could defer 3 months of payments due to COVID-19 on XX/XX/XXXX then they told me about 2 months later I didnt qualify because my account was delinquent

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 2020-08-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ARS ACCOUNT RESOLUTION SERVICES was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. ARS ACCOUNT RESOLUTION SERVICES was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX, VA XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus. ARS ACCOUNT RESOLUTION SERVICES also had to prove that my PHI was not disclosed without my authorization by furnishing an authorization release of information about any services or payment made or due if they did not render any XXXX XXXX to myself. ARS ACCOUNT RESOLUTION SERVICES did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to 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
Consumer complaint received 2018-02-21
Company: Western Mercantile Agency, Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been repeatedly harassed by Western Merchantile Agency in XXXX XXXX Oregon for a debt that is not mine. They have contacted me multiple times via mail, which I have called each time and informed them they have the wrong person. They call me insistently and every time I inform them they have the wrong person. Finally, after months of harassment, I asked for them to send me documentation of this debt showing why this was mine. The information they sent me showed a different last name, different middle initial, different address, birthday, and everything. Only thing the same was the phone number, which is fairly new to me in the last couple years, which I let them know and they still refuse to stop calling and contacting me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting the correction of a 30 day late on my credit report. As always, we sent a check as payment for XX/XX/2020. It showed that the check was received on XX/XX/2020, and the funds were withdrawn from my bank account on XX/XX/XXXX, please see attached. 

See attached copy of the check and bank statement. I am NOT SURE WHY the check was returned after it was cashed, and I believe its a bank error on your part. 

The check was cashed on XX/XX/XXXX, and as you can see there were plenty of FUNDS in the bank account for the check to clear. I was also enrolled in a forbearance plan, and despite being on forbearance I continued to make timely payments. 

XXXX XXXX failed to reach out to me to inform me that it was returning the payment. I have never been late on this loan, and this late was assessed to your company error. I am requesting an expedient correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: Account status incorrect

Complaint:
Experian have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in  Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in 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 2018-05-13
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted the Pennsylvania Higher Education Assistance Agency ( DBA XXXX ), 4 separate times about waiving my in-school deferment for my Grad Plus loan and direct consolidation loan in order to make qualifying payments toward the Public Service Loan Forgiveness program. 

Each of the times, I've gotten a different answer. All of these answers allege that there is a " required form '' for waiving the in-school deferment. One of the answers claimed that the form would be provided in my electronic inbox with XXXX within 24 hours. Another claims that XXXX policy prohibits providing this form except for by mail. No such form has been provided to me by any means. 

In one of my contact attempts, I sent a secure message requesting that my eligible loans be taken out of in-school deferment. Clearly not having read the message at all, XXXX instead canceled my direct debit registration and took no action on my deferment. 

XXXX continues to refuse to take my XXXX  plus loan and direct consolidation loan out of in-school deferment. This action violates federal law, since the decision to accept an in-school deferment is solely mine. Additionally, it constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ), especially since this alleged form is not a U.S. Department of Education requirement - my other federal student loan servicer did not require such a form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
WELLS FARGO GAVE A PERSON WHO STOLE MY IDENTITY USED MY NAME, PHOTO ID, SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT SECURE WELLS FARGO CARD TRYING TO STEAL MY IDENTITY I am writing to request and initiate a formal complaint against XXXX XXXX XXXX XXXX  CRAS. On XX/XX/2020, I mailed XXXX XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-06-05
Company: Exeter Finance Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan with Exeter Finance for a XXXX XXXX XXXX. The loan amount of {$10000.00} was paid in full on XX/XX/XXXX and the account was closed on their end but they will not update it on my credit report. The amount keeps increasing however leading to my credit dropping. I have contacted them multiple times regarding this and they always say end of the month do not worry or its the credit bureaus fault. 

On XX/XX/XXXX, I purchased a new vehicle through XXXX XXXX XXXX XXXX in XXXX, NJ. I traded in my XXXX XXXX XXXX and made an agreement with the car dealership that they would pay off my existing loan of {$10000.00}. They did and the check cleared on the XXXX of XXXX, XXXX. I called Exeter Finance to confirm and they confirmed and told me my account was paid in full and closed ( screenshot attached for the confirmation on Exeters customer portal ). I was told by the end of the month, everything would update and that it would reflect as closed and paid in full. It is now XX/XX/XXXX and nothing has updated. They always tell me theres nothing they can do and that I have to wait and seeming how this account is current and keeps updating, it is affecting my scores still although the account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
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 sent a letter to these companies on XX/XX/2021 about some incorrect information on my report. To this day, nearly 60 days later, I have not received a response yet. I understand they have 30-45 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This concerns my Safe Deposit box. On XX/XX/XXXX I went to Citizens Bank to access my safe deposit box. I was told it was in either XXXX or XXXX. A year or so ago I received a letter stating that due to remodeling, the safe deposit boxes were going to be off-site. I believed this was temporary. I never dreamed it was permanent. I requested that it be sent back to the bank for me to access. I wrote to the CFPB the next day. Unfortunately I mailed it to an old address, so when it came back 10 days later ; I re-mailed it to you. I checked weekly to ask where it was, just to be told it may take two weeks or so. Just today ( XXXX XXXX ) I stopped in and they apologized, saying they had talked to someone but were awaiting an E-mail stating that it was sent but hadn't gotten one yet. One month. I then told them that when it comes in, my wife ( who is co-owner ) would stop in with the key. They said no key was needed, it would be sent in a secure bag. It was ONLY THEN that I realized that they had access to the contents without me being there! I actually though that they were going to send the box up to the bank for us to access. What is the point of a safe deposit box that is accessed by other than the key holder? Just wanted to send an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citibank checking and savings account on XX/XX/18 using promo code XXXX which was supposed to provide me with a {$400.00} account opening bonus if I maintained a {$15000.00} balance between the two accounts for 60 days. Upon reaching the 60 day mark and not seeing the bonus get deposited, I contacted Citibank and was told that it could take up to 90 days for the funds to be deposited. During the last week of XXXX, I again called Citibank as I was surprised the funds were taking so long and was reminded that I was not at my 90 day deadline for them to deposit the bonus. They acknowledged that the bonus was attached to my account. It is now XX/XX/18 and I still have not received my bonus. I initiated a chat session today and am still being stonewalled that supposedly it is another 4-7 days of  processing. I am seeing that a huge number of people have this same issue. This is unacceptable and blatant fraud. Consumers should be aware that Citibank does not honor its obligations and that they should bank elsewhere.

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 2019-10-22
Company: EQUIFAX, INC.
State: OR
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:
My credit report file for Equifax ( only Equifax, the other two credit bureaus were correct ) was merged with another person. Another person had a similar SSN and so their name, DOB, and address were associated with my SSN. This person is named XXXX XXXX. I have no idea who XXXX XXXX is. 

I had a year long attempt to get Equifax to change my name, address and DOB to match my own. I sent in a photocopy of my drivers license, SS card, and a cover letter explaining my dispute. Equifax continuously failed to change my name, until finally they changed only my middle and last name ( they forgot to change my first name ). they changed my name to XXXX XXXX XXXX, when my name is XXXX XXXX XXXX. They were able to change my address and date of birth. When they sent me the credit report, the report was 22 pages of some elses information ( including personal information such as their address and SSN ). 

ALL OF THE INFORMATION ON MY CREDIT REPORT IS ASSOCIATED WITH THIS OTHER PERSON. Because our files were merged, none of my information is on my own credit report and my first name continues to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I receive extended warranty coverage through a Costco Citi Visa credit card. Claims are handled by XXXX  XXXX XXXX. I submitted a claim on XX/XX/XXXX for the failure of a device that I purchased under warranty from XXXX on XX/XX/XXXX. The purchase information, device warranty, evidence of failure and customer information were submitted to XXXX  XXXX XXXX with the initial claim. Additional information was requested and submitted on XXXX XX/XX/XXXX I received a claim denial from XXXX  XXXX XXXX stating `` As the manufacturer 's warranty for this product does not cover damage/broken parts, no coverage applies. '' This claim was wrongfully denied as the parts were not damaged, but rather failed during normal use due to some sort of manufacturing or design failure.

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 2021-07-14
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called the Debt Collector Security Cred and explained I never received any notification from them they just appeared on my Credit Report. I also had them verify my information and discovered it was not me, the information did not match my home address. So I am disputing the Validity of the debt due to I have no knowledge of this account, and no notification of this debt giving me the opportunity to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
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: Information belongs to someone else

Complaint:
Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/2019 {$870.00}

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 2018-05-12
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an unsigned letter from Ability with a course syllabus instead of an invoice and a written judgement .They are reporting never paid on my credit report since XX/XX/2017 until the present.We dont have an payment agreement.They are also reporting it as a collection debt.

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 2017-02-03
Company: Second Round Limited Partnership, Austin, TX Branch
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called Second Round has placed a collection debt on my credit report that I do not owe. I requested that they provide me original debt paperwork, signatures, etc. and they have failed to do so. They did not respond within 30 days of my certified mailed letter nor have they responded as of yet ( it has been 90+ days since request ). In addition, I 've spoken to several representatives who continue to state that they will send me the information I 've been requesting, but they have failed to do so. I noticed that they have now placed an account on my credit report and is reporting it as Date Opened : XXXX2016 Reported Since : XXXX2016, Collection account, balance {$2100.00}. I have no knowledge of this debt/account and they have failed to provide original documentation of said debt being mine.

Company response to consumer: Closed with explanation