BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: Santander Consumer USA Holdings Inc.
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: Other problem

Complaint:
XXXX XXXX constituted procedural form for me to put down a XXXX % percent down payment. Which happens to be a violation under federal law. Federal law also says the finance charge is the sum of all charges. Which is considered the amount financed there is a section that says the amount this credit will cost you. XXXX XXXX has added the amount the credit will cost me into the finance charge with said company Santander consumer USA. But before all of this, the contract was consummated between myself and a finance manager of XXXX XXXX, a employee, someone who can not stand trial on behalf of the firm, a firm that can not stand in the court of law because they can not certify under the penalty of purjury. The contract was consummated by fraud. A finance charge should never be apart of a finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted Navient a plethora of times in an effort to lower my monthly payment. The most recent being XX/XX/XXXX. 

I have two loans now serviced by them. My first loan which was initially serviced by Sallie Mae is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$31000.00}. It currently has a 11.5 % interest rate which they refuse to lower and a current balance of {$55000.00}. My new monthly payment is {$580.00}. Last year it was {$340.00}. 

My second loan which was initially serviced by XXXX XXXX is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$24000.00}. It currently has a 8.75 % interest rate which they refuse to lower and a current balance of {$23000.00}. My new monthly payment is {$250.00}. Last year it was {$240.00}. 

I have called Navient to inquire about consolidating them since they both are serviced by the same lender in order to have one payment and one interest rate. I have literally begged them for a lower monthly payment and have been told there is nothing they can do. Most recently in XXXX the representative told me they can not lower my payment because my credit score is too high which proves to them that I do not have issues paying my bills. I was advised to not pay my loan amount which will put my account in default which would result in a lower credit score and ultimately prove I need assistance with a lower payment. This is the most insane feedback I have ever heard. As a individual who has taken pride in having a flawless credit score, I would have never imagined hearing this type of suggestion to show a borrow is in need of help! Navient has in no way, shape or form tried to offer lower monthly payments. They simply will offer paying off just the interest to lower your payment for a short period of time which in turn will ultimately increase your monthly payment once that time period ends. Additionally, they are refusing to release my co-signer! 

I personally have never missed a payment on my loans, but its unjust to be stuck with a loan servicer who could care less about their borrowers and their monthly payments amounts. Navient has about 12 million customers and services more than {$300.00} XXXX of government and private student loans. The greed they possess is disturbing and the borrowers need immediate assistance. We all want to pay our loans off, but we want to be able to live and enjoy life as well without the burden of a {$1000.00} monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital one put 3 adverse accounts on all 3 of my credit bureaus. These accounts are not mine. I am a victim of identity theft. These accounts are not mine and must be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off {$410.00} to Bank Of America in XX/XX/2020 and it say I didnt on my credit report

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 2018-10-18
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 a debt collector Online Information Services reported to the credit bureaus that I am in debt to them for {$84.00}. I have never received services from this company nor do I owe the debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had been fighting with Bank of America for 4 years and 3 months before they lowered my mortgage payment. They kept me on the phone for over 4 hours almost daily, and never refinanced my mortgage. After a few years of doing nothing and spending months on the phone, they told me to stop paying my mortgage. I told them no becuase I did not want my credit to be destroyed after working multiple years with up to 3 jobs at a time to keep my credit great. After several months of refusing to make less than required mortgage payments, always paying on time, after waiting the 4 years and 3 months, they told me all I had to do was sign the new loan papers for a reduction in monthly payments. Even though I told them every single month for over 4 years straight, I paid 100 % of my mortgage payments, they did not apply it to my mortgage as per contract, and they did not pay insterest or anything as it had been paid for years, they twisted all my payments for their benefit, and put my money I blatently advised for over 4 years as to be 100 % only for my mortgage until they lowered the monthly payment, the sent my money away from my mortgage payments and to cover themselves, put money into escrow and XXXX knows where else, and now I have destroyed credit, and now besides the destroyed credit and higher cost of insurance and living thanks to this, they have a lien against my property I am trying to sell. I just have been trying to get a job after losing my last one, and I need to downside, and they are making my life miserable still. They destroyed my credit, kept me from getting a place to live, and I can't sell my home becuase of the tax lien they put on me while stealing money from my mortgage payments. My credit just went down again because of them and my insurance went up because of these crooks. they have been destroying my life for years, and I want this fixed. They need to fix EVERY SINGLE PAYMENT that I payed 100 % of my mortgage payment to, and they need to fix my credit score immediatley and they need to get that tax lien off my property NOW so I can get a place to live and sell this place. I need results now! I have been tortured by them for years and EVERYTHING THEY DID IS ILLEGAL AND THEY NEVER HAD ANY PERMISSION FROM ME TO CHANGE ANY MORTGAGE PAYMENT AND STEAL FROM ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: MARINER FINANCE, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Mariner finance sent a live check of a loan amount of {$2500.00} to my personal postal mail. This check was subsequently stolen from my mailbox and cashed. I did not cash this check, nor did I ever have it in my possession. Now Mariner Finance has opened a loan account in my name for money that was stolen and used fraudulently. 

The check was in my mail on XX/XX/2019. I have the scanned image from USPS. I never saw this check in my mailbox or possession. This check was stolen from my mailbox and subsequently cashed XX/XX/2019 at XXXX XXXX XXXX in XXXX, UT. I do not know how this check was legally cashed without a fingerprint or two forms of identification.

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 2021-02-01
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Duvera Billing Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
PLEASE NOTE THAT THIS IS A SECOND CFPB COMPLATINT AND IS NOT THE SAME AS MY PREVIUS COMPLAINT. DO NOT LABEL AS DUPLICATE. 

I filed a complaint against Duvera Billing Services since they prevent me to make payments on my account and later sent to collections. I couldn't make payments or even pay off due to their phone and web sites are not available. 
They responded to my previous CFPB complaint with a copy of " Summary of Terms '' and a " Retail Installment Contract '' as proof of the debt, but these are unsigned copies. 

I would like to receive a clear copy of the signed Retail Installment Contract as validation of the 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 2022-08-11
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX of XXXX of purchased a ring from XXXX XXXX. I was going to pay cash they insisted i use credit and received 18 months no interest. Reluctantly i agreed. What a mistake this was! I began automatic payments of XXXX a month This would ensure my ring was paid off prior to the 18months. I purchased a second ring in XXXX of XXXX. 

In XXXX of XXXX  my balance was XXXX, my automatic payment of XXXX came out as scheduled. I didn't realize there would have been a XXXX balance, if I did I certainly would have paid it. My next bill i received was for XXXX! XXXX added the interest of XXXX percent from day one the entire amount of both purchases over a balance of less than XXXX! 

this is how they reward a good paying loyal customer who chose XXXX XXXX  over many other shops! 

i have called them to explain the oversight figuring of course they would take care of this. All that yielded me was a big headache and a waste of 2 hours on the phone with three different people saying they can't help me. this is an unfair business practice. if they were to charge me, they should be charging me on my second purchase not the first that would have been paid in the time frame. But look at the whole picture we are talking a matter of a few weeks and I'm told they won't do anything about it. i completely understand the technicality they are getting me on, it's very clear to me after seeing my new statement and have three people explain it over and over rather than to try and keep a good customer happy and say yes, we will work with you here. I also explained to them that i am unfortunately receiving XXXX and i am having a XXXX XXXX  for XXXX in the next month. No one would help all i got is this is our policy. 

XX/XX/XXXX balance XXXX XX/XX/2022 payment XXXX total balance left would have been XXXX XX/XX/2022 statement interest added to balance XXXX New balance of XXXX! 

I will never shop at this company again and i would strongly advise against it. Not to mention two of the stones fell out of the ring 5 months after owning it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Lendmark Financial Services
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This is about LENDMARK FINANCIAL in XXXX, California This is the 2nd time this company lied and went back on what they told me. The first time is when I got the loan, XXXX told me after 1 year, I could refinance. I made my payments on time ( even paid before the due date ) and 1 year later when I wanted to refinance, he told me they don't refinance. Now, the household has been affected by covid, and XXXX said they are giving their CUSTOMERS relief by refinancing the loans and first payment not due until XXXX. She also stated that she needed a correct number to send a text to for a link to sign documents. She said I wouldn't need to submit anything else, and she'd call me back in half hour to 40 minutes. I ended up calling back an hour and a half later, at this time she told me she couldn't do it because i would have to come into the office to sign papers, i reminded her she said they could be done online like she stated about a link sent in text, then asked what if we came into the office. She then said because we don't live there, their company won't do it. She then said she could send me the papers via email to sign for a deferment, when asked if it will affect us, she said it wouldn't, it would just show a late payment on our credit. Which affects us! I reminded her I AM a customer, and this virus is Nationwide, I was sent the deferment by email, I already called the main office, am told up to 5 days for someone to contact me, the loan is due today! They sent documents via email, there's no reason they can not do the refinance online as XXXX said they could initially. I AM a customer, I have paid my car note for almost 2 years now! Never being late! We are affected by covid 19! We do not want a late payment on our credit! I want this taken care of today and refinance the loan with no payment due until XXXX as told by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
State: FL
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:
The problem I am having with Equifax is not allowing me to dispute online or even getting my annul free credit report they lays climate the information does not match I want to cues my info online and dispute my info via dispute.equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my ( EQUIFAX ) credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 1.XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XX/XX/XXXX 3XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 5XXXX XXXX, XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XXXX   XX/XX/XXXX XX/XX/XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX DOB : XX/XX/XXXX After the account was closed they ( Transunion ) kept reporting the account as Charge Off, I sent a 609 letter last month, and they updated the XXXX information yesterday without contacting me with the verification I asked for, so the investigation for the XXXX XXXX Account looks like is going to be throw the same results. 

" Currently using 295 % of your account 's limit ''. TransUnion is reporting a credit limit, how can I have a credit limit after the Close Date? 
XXXX XXXX Balance {$290.00} Credit limit {$100.00} Closed XXXX. XXXX, XXXX I paid the whole amount on XXXX XX/XX/XXXX and they started charging late fees after. 

I sent this letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fla.XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA.XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


Name of Account Amount ProvidePhysicalVerificationCreditor XXXX XXXX {$820.00} XXXXXXXX XXXX  {$290.00} 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 2019-11-14
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 reached out to your guy before back in XXXX about some things that was and two still is on my credit. At this point Im reaching back out because there are still two items and some inquiries that are not mine. I have contacted the FTC and police department. Please have these removed from my credit XXXX and XXXX and the inquiries are XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to just reach back out one more time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Date : XX/XX/20 Amount : {$1300.00} On XX/XX/20, there was an unauthorized transaction made on my checking account ending ( XXXX ). On that date around XXXX, I received a call from this number, XXXX. It was an automated voice system from Bank of America saying : Your authorization code is. I did not remember nor paid attention to the code, because I did not request any authorization code from BOA. I was curious about the call and immediately checked my bank online account and was shocked with the amount of {$1300.00} being transferred to an unknown email. It was a XXXX transfer. At the same time, I called BOA at this number, XXXX, to report this suspicious activity that I did not authorize. I spoke with an agent and he was able to assist me to file a claim. I was told to wait 10 business days for the decision. I called again on XX/XX/20 to check my claim status. I was told the claim was denied because the authorization code is being used. I am certain that I did not give any code to anyone. I strongly believe that somehow my account has been hacked. Also, I was informed that if I would like BOA to reconsider the decision, I could contact my mobile service and get a report call log from them on XX/XX/20.

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 2018-03-21
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Just after the XXXX  credit breach last year I attempted to freeze my credit with the three credit reporting agencies. I could not reach Experian, and through a third site, XXXX, I arranged to have my credit frozen at Experian. I thought this was a one time charge, but now realize I am being charged {$24.00} on a recurring basis. I have now three times attempted to contact Experian to cancel whatever program they have put me in. Each time I go on the Experian website, which does not allow you to cancel their memberships, but instead provides a number to call at Experian to cancel. Each time Experian is contacted at that number you are given the time one must wait to obtain an operator. In my case it has repeatedly been two hours. Usually, I am not in a position to stay on hold for two hours. Today, I stayed on hold two hours waiting for customer service only to be disconnected just at the two hour mark. I called back and was told there would be a two hour wait. I believe Experian is using this tactic to prevent customers from cancelling their Memberships.

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 2019-04-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I stayed in XXXX XXXX in 2013 and was evicted out of the apartment at the end of the year I went to eviction court due to owed rent and was given a dead line to pay the apartment complex back. I wasnt able to do so, so I just moved out and now Im being charged over {$6000.00} for a small 1 bedroom apartment for charges I know nothing about when in fact I do owe for what the judge said about past due rent in eviction court, but never did the judge say I owed them in court over {$6000.00}.

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