BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make my monthly car payments to Santander Consumer USA weeks early. I get my Social Security Benefit deposit every third Wednesday. On that day, I get a XXXX Postal Money Order for {$220.00} and mail my next month 's car payment due on the XXXX of the following month and send it Certified Mail with return receipt and signature required. 

I got an alert on my XXXX XXXX that my auto loan balance had INCREASED and was PAST DUE after I had already made my XX/XX/XXXX monthly payment of {$220.00} far in advance. Santander Consumer USA received by payment in Certified Mail with a return signature on XX/XX/XXXX. They LOST this payment. 

They then applied someone else 's payment of {$410.00} to my account, then removed the error. I was confused about the {$410.00} figure but believed Santander was playing around with the interest and principal somehow, and as my account showed current, was not too alarmed. 

They then received my XX/XX/XXXX payment, a US Postal money order, on XX/XX/XXXX, Certified mail with return signature. BUT they credited the XX/XX/XXXX payment as my XX/XX/XXXX payment, leaving my account PAST DUE for the XXXX payment, as it was now XX/XX/XXXX. 

They had no record of the XX/XX/XXXX. payment 's receipt on XX/XX/XXXX when I called them. They said I had to " escalate '' the issue to " Account Services, '' faxing them all the copies of receipts I have for the mail sent and signed for, which I did to the cost of {$20.00} at XXXX XXXX ( 12-page fax ) and then mailed them a hard copy to their XXXX PO Box ( {$7.00} ) and also paid for a US Postal Money Order inquiry at the Post Office ( {$5.00}. ) I also had to pay an extra {$220.00} to bring my auto loan account current with Santander Consumer USA by using their online XXXX XXXX fast pay arrangement. 

They could not give me a name in Account Services to talk to, or a phone number to call them directly. They have the money order serial numbers for XX/XX/XXXX ( received there XX/XX/XXXX ) and XX/XX/XXXX ( received there XX/XX/XXXX ), the return signature cards sent back to me with their employee signatures and dates received at their XXXX PO Box , and other necessary copies related to this error. 

They tell me it will be 3-5 business days before any action will be taken, and yet I am out an extra {$220.00} for a payment I had already made, with no explanation of where that US Postal Money order serial numbered payment is or to which account it was applied to.

I have made every payment to Santander Consumer USA ahead of time by usually a week or two weeks, and yet they still found a way to leave my account in a Past Due state and would do nothing to repair that status without me making an extra payment.

I've bought cars my entire life, and have not ever once had this happen,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
When I checked my credit score I was taken back by how low it is, a further looked showed me that I have been sent to collection for a hospital bill from the XXXX XXXX XXXX Hospital. I have NEVER been seen by a doctor there! Nor did I ever receive a bill from the XXXX hospital or the collections agency! The Bill is for {$290.00} I haven't been able to receive any information about what it is for and why its at collections. It terribly hurting my credit score, and I don't think its right to have to pay a hospital bill you when have never been seen by a doctor there. I was never sent any bills or " last warnings '' I was only made aware of said debt when I checked my credit score on 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 2018-03-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my house on XX/XX/XXXX and was required by the lender to have an escrow setup to pay my home owner 's insurance, PMI and property taxes. In XX/XX/XXXX of last year I received my property tax bill from the county ; the amount due was {$730.00}. XXXX, my mortgage company, did pay my property taxes in XX/XX/XXXX in the amount off {$1200.00}, although the county was still showing me as delinquent on XX/XX/XXXX when I received a delinquent notice from them, XXXX had not paid to the account number associated with my address. After getting that resolved the county said i had overpaid by {$460.00} and was due a refund, this was on XX/XX/XXXX. I sent the county a request for the overage to be sent to me in a check. I waited a month and still had not received the refund check so i called the county to ask why, and they told me that XXXX had been calling them about the refund and wanted the check sent to them instead ; The county is still holding the refund while this is being resolved. The beginning of XX/XX/XXXX I received my escrow analysis from XXXX and they are still overcharging me monthly for property taxes, they're also saying I have a shortage of {$250.00} in my escrow and my payment to cover the shortage will now go up by {$35.00} a month. I have sent them numerous emails and called several times to try and resolve this matter and prove to them that I am being overcharged for property taxes every month and that I shouldn't have a shortage in my escrow because i ended XX/XX/XXXX with a surplus of {$120.00}. XXXX either doesn't respond in a timely manner, like their website promises to do or they insist that the amount they are charging me on property taxes is what my county is saying I should be paying ; That is an out right lie, my property taxes did not go up by almost {$500.00}, I don't know where XXXX is getting their information, but the county says I will not be paying anywhere near the {$1200.00} that XXXX is charging 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 2020-10-10
Company: EQUIFAX, INC.
State: NE
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:
Credit report is displaying payments of ; on time ( XX/XX/XXXX ), 30 delinquent ( XX/XX/XXXX ), 60 days delinquent ( XX/XX/XXXX ), 90 days delinquent ( XX/XX/XXXX ) and 120 days delinquent ( XX/XX/XXXX ). Then shows on time payments on XX/XX/XXXX and XX/XX/XXXX. Account was closed XX/XX/XXXX and last payment was made XX/XX/XXXX. A letter was submitted to the credit reporting agency when they " updated '' the account and added the on time payments of XX/XX/XXXX and XX/XX/XXXX. My last submitted dispute/documentation was sent to them XX/XX/XXXX but this was addressed three times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: LA
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:
Please see attached identity theft report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This problem is new added to the prior report made in this company during the time a report is investigation. CFPB report # XXXX. I made a payment to walmart during the investigation process CFPB is conducting. However, walmart sent an e mail that payment has not been received. That indicates that fraud is open and they disregard the complain prior placed with CFPB. I have the receipt that I paid. as stated on report # XXXX. I handed XXXX dollars to a cashier at walmart and only XXXX were added to my XXXX card. The case is obsolete. I feel exploited in every way. 
I have the recipt. Not at hand at the minute I am typing this report, but I can posted at any time.

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 2022-01-05
Company: Chime Financial Inc
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to deposit a cashiers check in the amount of {$500.00} on XX/XX/2022, the person who gifted it to me wrote " Merry XXXX '' in the memo line and per the associate on the Customer Service phone line, can't accept that in the memo line. Chime Bank refused to accept and deposit it. This is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Wilber and Associates, P.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by this law firm today XXXX17 in regards to an auto accident i was in they were attempting to collect a debt due for the damages to the other person, when i returned the call to the lady XXXX she asked how i was going to pay i advised XXXX that i could not pay that amount and i would need an extensive payment plan, XXXX then stated that i need to pay her 50 % which would be XXXX then 5 % which is {$1000.00}, i advised her that i can not afford to pay that upfront but i would be happy to pay her what i can afford until the balance is settled in full, she refused to accept anything lower and then attempted to bully me over the phone and threaten me to have my license revoked into scaring me into paying money i do n't have, i then called back and requested a manager and another lady answered the phone who also became abrasive and a bully and refused to let me speak to a manager I will not be bullied by a debt collector or threatened into paying a 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 2019-01-31
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a public Audit Demand to retain all documentation proving that all Interest calculated on the account is being APPLIED appropriately. Due to some unfortunate situations in dealing with AES, I've been forced to demand this. If AES fails to produce the documentation I seek, I will make sure to obtain this through the use of my legal rights that pertain to the law. In Summary, AES has resources within their domain who tend to admit when something is right or something is wrong and yet, whenever I ask for the proof of this, they say they don't have it and that it's up to a different department to provide the information requested. AES also fails to provide which accounts they're applying any portion of interest, which misleads the borrower into thinking the interest is being applied as the law says it should. I have yet to believe that AES is doing ANYTHING RIGHT, and stand by that argument until AES can produce evidence suggesting otherwise. I'm in full consideration of seeking legal help to justify my aforementioned claims, because, as a collective, all borrowers that have to be instrumental in dealing with this company will never get the wasted time and money back for the egregious behavior this company is known for and all the headaches that have been distributed to all of these borrowers. They refuse to take ownership of their dysfunctional system and instead refute the claims and " blame '' the lender agreements, without citing which specific detail would cover that. 

Secondly, it's not mere coincidence that all Consumer Affairs websites such as the XXXX and the likes all have comments from borrowers who have the same issue with this company or similar issues. 

I absolutely believe that all of the issues mentioned here have to do with a disfigured conspiracy between legislators and the top executives within this organization. I speak for millions of borrowers and so does XXXX XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
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:
EQUIFAX continues to report this one fraudulent account on my credit report and refuses to report the other 6 accounts that do belong to me ... ... they are not giving me a score because of that ... .and I have repeatedly tried to get this corrected with no progress. 

Capital One does not belong to me!! Acct # XXXX I have 6 other accounts that are not reporting and definitely should be : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX CO XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-06-24
Company: Experian Information Solutions Inc.
State: AL
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:
My identity was stolen and an account was created under my name a social with XXXX XXXX in XXXX of XXXX. I contacted the company immediately to let them know this account is not mine and it needs to be investigated removed. I was told there is nothing they can do and they apologized for the mistake. Months later late payments are being reported on my credit report after I have contacted them and told them this was not my account and even had a police report filed in XXXX of XXXX. It is now XXXX of XXXX and every time I try to dispute this with Experian they keep sending me an error message saying " We're experiencing technical difficulties and can not access your report at this time. Please try again later. '' This 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 2017-12-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
late XXXX or XXXX XXXX I spoke with a rep at XXXX  XXXX XXXX XXXXXXXXXXXX XXXX, it was an oversight on being late with my last balance due of {$52.00}, i was on a deferred payment plan. I followed up after the call with a letter of hardship. The rep on the phone call agreed to drop one {$29.00} and kept one {$29.00} on the balance, bringing my balance to {$89.00}, I take care of my XXXX year old mother which has brought significant financial problems. My small balance was not intentionally over looked. Hurricane Irma struck on XX/XX/XXXX in XXXX XXXX Fl. I am in a six month forbearance with XXXX XXXX. It has been absolutely chaos in my home and the XXXX XXXX. On the first phone call I asked that my credit card be cancelled. Upon receiving my statement from XXXX XXXX, my balance is now {$150.00}. I presently have XXXX XXXX XXXX installing a XXXX XXXX as my mom XXXX XXXX XXXX. I proved my finances to them. I mentioned yesterday by phone to XXXX XXXX  that I have financial proof of everything. They refuse to bring my balance back to the {$89.00}. Even though the credit card was cancelled by me in good faith, I now read on line that they help hardship clients and disaster victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX Account Numbers - XXXX   Case Numbers - XXXX  County OH Municipal Court XXXX & XXXX XXXX XXXX  For the past 10 months XXXX XXXX has been attempting to collect monies on that are incorrect. Both account numbers and amounts owed are totally incorrect. They have misrepresented themselves in Court stating that I have received proper notice and service. They call everyday without leaving a message. When I pickup the phone to answer they disconnect the call.

I have called them directly and left messages with no callback. They have reported this to the Credit agencies incorrect information. They have cause emotional distressed with a person who is suffering and being treated by doctor 's for XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Please help me with my mortgage company refusal to reduce my account by {$49000.00} due to late payments in XX/XX/XXXX. I was 91 days late due to financial difficulties and was never informed that my account had XXXX surplus all along during that time period. They refunded a check for {$9100.00} in XXXX, XXXX. I have contacted them and they refuse to understand that my account was never in default so they want to keep {$49000.00} which is a great sum of money. Please help me. My account has been current up to the present. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The problem with Paypal mastercard is obvious. I made a call to paypal and was told by the paypal fraud report that an amount incurred was going to be refunded as I did not authorize the amount charged. ( It was a payment made to an unknown company in XXXX XXXX California ) The charges occurred during times thT I had reported my card stolen and in days the card was already stated as voided. The replacement card took a long time to arrive. During that period of time, I am supposed to have made a payment. At arrival of the new card, I have been trying repeatedly to add the paypal new card to make the payment and paypal system refuses to add the card. That makes me to be late and unable to process the  payment. Therefore I am eaten in interest and late fee while is not my fault but the negligence of the company in not processing the card soon and their system not taken the card to add a payment. Please help. this has to be clarify. Thank you

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 2018-10-05
Company: Earnest Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I was given higher interest rates due to my marital status and the company 's unwillingness to consider household income ( they only consider my " individual '' income which is discrimination considering that my spouse and I are ONE household and we make ONE income ). Marital status is protected under the ECOA. 

They are refusing to reverse the credit pull they performed under fraudulent advertising and have no proof I authorized this. They also did not use my correct salutation when addressing me which is also quite offensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: EQUIFAX, INC.
State: FL
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:
In writing and via phone I have contacted all the bureaus to remove incorrect information from my credit report. I sent in certified mail to track this information and process. Nothing has happened or taken place on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I went to bank of America and spoke with XXXX XXXX a financial advisor I told him I want to invest conservative and I wanted money payed to me monthly and I wanted XXXX and XXXX stock he took XXXX out of my checking account from bank of America back in XXXX 2018 the next day I was losings thousand of dollars I had a fit and wanted to close my account he sed relax it will be AL wright as a mater of fact don't look at the account anymore I promise you wont lose your money well I did loose money I have all the papers I have talk to his manger no luck. he miss handle my account very badly I have witness that heard me say I want XXXX and XXXX and maybe XXXX I got only a few share I should have had more then that also wen I need money because this was to give me monthly payment to live on he began to be sassy own ill sell this which would money until I sed why are you selling that I would have lost about three thousand more I also found out he did not invest me conservative he when more aggress anther agent told me that they wont give me my money back he works for XXXX XXXX I lost thousand of dollars he saw me coming and took advance of me this is false pretense he sed I would make at lease 25-30 thousand profit instead I lost my money not all but lot of it.iam sorry I trusted him

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