BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I submitted a large insurance check from XXXX XXXX XXXX, ( hail damage occurred ) to Santander Consumer Credit, it was to pay off the balance of {$3900.00} towards my auto loan, leaving me a Clear Title and a reimbursement of {$2000.00} from that pay off .That check & loan info was faxed & mailed USPS XX/XX/XXXX as instructed from their rep in the Title Dept., each representative stating the difference would be mailed to me in 3-5 Business days after check processed.I called Santander to verify they received the check, the rep indicated Yes & they are in process of clearing note & reimbursement would take 3-5 Business days .After not receiving that reimbursement I called again, at that time I was told I would not receive reimbursement until after XX/XX/XXXX .I have spoke to other reps & finally the Mgr in the Complaint Dept, advised me she would expedite my process, and she would call me back, NO Calls yet .I called today XX/XX/XXXX again I was told The account is clear & my check for reimbursement is due to process afterXX/XX/XXXX, I understand receiving a Title does take 30 -45 days, However I do not feel Santander Consumer Credit should hold my {$2000.00} for that length of time ... .or Any other consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought the car and payed way to much for a XXXX  XXXX XXXX I payed XXXX something and my interest rate is 20 %. That is ridiculous for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing is attempting to collect on an account that I have no knowledge of and that I have already reported to the credit bureaus as not being my account. The only thing that I keep receiving back is that the account has been verified which is not the truth because this account does not belong to 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 2018-06-06
Company: AES/PHEAA
State: TX
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:
XX/XX/XXXX I received an e-mail from XXXX XXXX that included my statement from last XX/XX/2017 because XXXX XXXX admitted to making mistakes on handling my loans so they were reversing the negative reporting they made to the credit bureaus last year. Two different XXXX reps verified that they would begin handling my student loans again which were in the process of being removed from ever defaulting or being late/delinquent in the first place. They said the process takes 7-10 business days at which time I will be able to login on to my old XXXX  XXXX account online and make online payments etc. I explained I wanted to just pay the balance and the girl I spoke with said as soon the negative reporting gets reversed I will be able to go online and pay. I said thats great and was so glad XXXX finally realized its morally/ethically wrong to report student loans as negative/late/delinquent etc to the bureaus if the student is unaware theyre not receiving bills XXXX was supposedly sending in the mail. 

Ten days past so I called XXXX to follow up and a Supervisor who was extremely rude and belligerent handled my call raising her voice telling me not paying my loans is the reason my credit got bad. Can employees behave this way when we call with questions? She didnt give me explain my situation and when I explained two different reps verified two different times I called in that the negative reporting XXXX made on my student loans was being reversed she told me that they were not supposed to do that, they had no business doing that. I wanted to ask her what was so wrong that was making her so angry and rude towards me but this supervisor kept cutting me off. Now I am super confused as to what happened etc. Its so stressful and unsettling to know that XXXX XXXX will handle your loans however they feel depending on their emotional state? This supervisor told me its their word against ours/the students/families/consumers and apparently the consequences of how they handle accounts and treat people is irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Applied Business Services, 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: Information belongs to someone else

Complaint:
Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX Dc Inquiry from XX/XX/XXXX + Bank XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : 09 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX XXXX   are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
See attachment

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 2018-07-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Around 2014, I went to a Wells Fargo branch to open a checking account for my small business. I needed the account to help process credit card payments. I own my business, and don't necessarily do many transactions in one month, explained this to the teller and they recommended a business checking and savings account. I understood that if I made a recurring transfer of {$150.00} into the savings account every month, then there would be no other fees associated with either checking or savings account.

Now I was just looking at my statement and saw a " monthly service fee '' charged by Wells Fargo for {$14.00}. I then did a search and saw that this has happened four times, totaling {$56.00}. I called Wells Fargo, and they informed me that in XXXX, my account had been " upgraded '' to a " Business Choice '' banking account. They said they " informed '' me of this upgrade on my monthly statement that I only receive electronically. The Business Choice account apparently has a service fee if the checking balance is below {$7500.00}. 

I did not consent to my account being changed. I opened that specific type of account for a reason. This is my money. They should not be able to change it to a different structure just to fit their profit requirements. 

Even if they did need to change the account type, I didn't receive the notice at all. Changing my account type by informing me in a monthly statement is completely unreasonable. No one would expect that to happen in a monthly bill. 

After several transfers on the phone and having to request to speak to a manager, Well Fargo did refund the money, and I was able to set up another account. However this took yet another fee. 

This is totally unacceptable. Wells Fargo has been trying to rebrand itself after several disasters of destroying public trust. Obviously, the system is still broken.

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: NJ
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 received an Official Identity Theft and Fraud Report that was filed with a Official Federal Agency in  charge of Enforcement. Equifax received the Identity Theft and Fraud Report via Certified Mail # XXXX in which certified was signed into Equifax possession on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a sworn notarized statement of my identity. Equifax is in violation of FCRA Section 605B ( A ) for the failure to block and suppress two of the Fraudulent Accounts From XXXX XXXX. Equifax is also in violation of FCRA Section 611 ( A ) ( 5 ) ( B ) ( ii ) for reinserting 2 deleted fraudulent accounts back onto my credit report without notifying me in writing within 5 business days prior to inserting deleted accounts that was deleted in XXXX. ( ie : report confirmation # XXXX ) Legal action will be filed in a Court of Law. Equifax must delete the 2 fraudulent XXXX XXXX accounts upon immediately receiving this complaint or Equifaxs Registered Agent will be served with Legal Process in 3 days from now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: JPMORGAN CHASE & CO.
State: CA
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:
I purchase a XXXX TV in XX/XX/2016 with chase sapphire reserve. Chase Sapphire reserve has a purchase protection plan which covers Eligible personal property that has been damaged, stolen, or involuntary and accidental parting with property within 120 days from the date of purchase. 

We found the problem with TV about XX/XX/XXXX. We chatted with XXXX and they asked us to ship the TV to their shop. For the cost and inconvenience, we decide to use purchase protection. We called chase and was referred to the one of department. The department asked us to ask a repair shop to estimate the cost of repair. I asked a shop to come by to do the investigation. After checking, they stated 'Can not find the part in XXXX ' and charged me about {$160.00} for investigation. I submitted the report to chase. They reimbursed {$160.00}. I did not get the payment so I called back and was told my case was closed. It looks like they messed up the investigation cost and repair cost but refused to admit their mistake. I chatted with some people in Chase but they still refused to reopen the case and said I should use my own warranty and it is not covered by purchase protection. 

I can not understand, if it is not covered by purchase protection, 1. Why they asked me to do estimation from repair shop 2. Why they would reimburse the investigation cost I opened a case with XXXX but no luck. I happened to know CFPB so I opened a new case and hopefully it will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: AZ
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 initiated a review with the Experian and XXXX   beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.

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: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item to be errors. Here as follows are items in error : 1. I have never been late with payments on this account. 
CAPITAL ONE Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
CAPITAL ONE Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

I keep sending request disputing letter to the Bureaus and no response. nor from Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: NH
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:
National Credit Cards/Airlines Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies. I believe these errors.

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My TRANSUNION credit report is showing, A collection account as open and a {$0.00} balance. This is reported monthly as a derogatory account negatively affecting my credit score. I have filed three disputes this far without any resolution, XX/XX/XXXX, XX/XX/XXXX and one dispute on XX/XX/XXXX. I spoke with with XXXX XXXX XXXX whom confirmed it should be closed and have a Paid in full letter File XXXX showing it is closed. It was paid XX/XX/XXXX and has been revolving and is reported monthly for 5 years and 9 Mos. Also, it is showing open and last reported on XX/XX/XXXX. This appears as derogatory and has high impact to my credit score negatively and shows needs attention to this collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Bliksum, LLC
State: CA
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:
I took out a loan from XXXX in XXXX. With poor credit I didnt have too many borrowing choices, and the loan was at a very high percentage rate of around 120 % interest. I was in a bind ready to lose our home. Husband was laid off and out of work longer then expected. He did eventually find a job and I made my repayments back to XXXX every month until my husband was laid off again. I talked with XXXX to explain that our income went back down and I wasn't able to continue with the high payments. I asked if they could work with me. They could not. My account was sent to XXXX XXXX   out of New York and they offered a settlement amount. I agreed to it and started making payments. I lost my job in XX/XX/XXXX and haven't worked since and my husband took to driving out of state in a big rig to earn money. I tried to keep up my payments with XXXX XXXX and was working with XXXX. Unfortunately due to financial burden I just couldn't keep up and I missed a payment XX/XX/XXXX. This is where the trouble began. XXXX started some type of background check to see what assets I have. She is calling family members and my ex in laws looking for information, even though she has been in contact with me. She stated that they were going to investigate me and my husband so that they could put a lean on his truck and file a court order to garnish his wages. I offered to pay them the missed payment along with XXXX payment but she was not having it and got rude with me. She transferred me to a floor manager by the name of XXXX XXXX and he stated that I only have 24 hours to come up with the settlement of {$3200.00} or further action would be taken to get all the money that was owed from original loan of {$2500.00} plus the 120 % interest along with any court fee costs. He sent me a letter and suggested me to take out a consolidation loan. My credit score is only allowing me few options and it's very stressful knowing I have no way of meeting their demands within the 24 hour time frame they have given me. I am upset that they have had contact with me but yet XXXX continues her investigation tactics and is calling family and ex in laws looking for information or giving them my personal information to verify. She is being dishonest by telling them I gave her permission to call when that is an absolute lie! .when I took out the original loan I was already divorced from my first husband and would not have any reason to give his or his moms information on the loan documents. XXXX is looking into my information and calling people that have nothing to do with this matter. I want it to stop and the threats to stop. I tried to work with them before and still am. I was willing to still make monthly payments and had only missed one payment. This company is breaking the law and I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I have had made purchases with my debit card totaling over {$500.00}. Those purchases were cancelled and each merchant told me that the funds were released on their end. My bank, BBVA, still has a hold on those funds. I called the to speak with a representative and they said that they did not see any money that should be credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Bread Financial Holdings, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been an online customer for XXXX XXXX XXXX and purchased a pair of diamond earrings for my wife birthday/anniversary.

My purchase, I used m financing program using XXXX XXXX credit card which they partnered with Comenity bank.

I paid down payment and paid monthly installments on time. However their system is designed in a certain way to make sure customers fail or get scammed or mislead into failing one payment and charge ridiculous penalty.

They dont have auto schedule payments to deduct from account. You have to remember and manually pay every month.

Buts thats not the biggest scam.

The loan they provided designed to give you zero interest for 18 months. However m, their monthly installments thats ore loaded in their system is not designed to pay of the loan in 18 months. It is designed in a way where it pays only 1/3 in 18 months and then they charge interest penalty on 19th month that brings the loan back to the original value and back to zero. On top of that, they dont remind you or send any kind of proactive message or call that 18 months will be up soon and need to pay to avoid interest penalty.

That message is sent to their online portal between many messages and you have to go through ind emails to find that.

It is definitely designed to fail.

I called them and they refused and hung up on me. They stated its my fault to miss the 18th month payment in full and now have to pay added interest of 1/3 the product value.

I bought the product for around 8k and loan was paid after 18th months to around 5k and now on 19th month its back to 8k even though all installments was paid monthly by their system.

My fault was I did not Calculate their monthly installments they set up which is not 18th months pay off.

All system is passive method for customers to go online and have to see make sure timely monthly payment or penalty.

I have made all payment on time except the last month when I saw the sudden charge of XXXX dollars interest for a XXXX earrings.

Thats ridiculous.

I dont believe XXXX XXXX runs a system to fool customers or scam them into failing through passive system set up.

I would request you to help us settle the penalty charge and we are ready to payoff the principal as a whole immediately and close the dues for good. The interest charge is absolutely a scam.

If have contacted a Comenity bank and they refused stating its my fault to fall into their scam while blue Nile refised ti respond.

We are a dispirited customer now. Our info attached.

Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received validation notice from Waypoint because XXXX never sent them my updated address ... I called XX/XX/2021 and provided my mailing address. They told me the validation notice was just sent yesterday. I am requesting Watpoint remove this from all 3 credit reporting agencies because they failed to provide validation notice. On XX/XX/2021 I let the representative know that I dispute this account. If they do not remove this from my credit report I will retain council. The waypoint account number is : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation