BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought my car through XXXX and the banking company was Santander Consumer Usa. The dmvs for a full year couldnt find information on my car while santander was collecting payments from me. Satander decided to close my account without my knowledge but I registered my car in my name. The dmv said there wasnt any leinholder and gave me the full title in my name. Months later, santander is trying to repossess my car. XXXX knows nothing and santander wont talk to me about the situation. The first time the tow driver left because i was able to show him my title. This time, my car was reposessed at night and wasnt able to show them my pink slip. Now XXXX XXXX is still ignoring me. 
All of the legal documents i own, including the title in my name only will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
XXXX refuses to update. I files ftc reports against them. I have automatic payments on my account it closed and automatic paymnets where still set upupdated but XXXX and Equifax refused I was never late I had automatic paymnets

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet has been continuously negligent by providing false information on numerous occasions. IN CFPB Case ( Withheld ) Response they failed to answer FCRA legal request and provided incorrect loan payment amounts. Payment amount in case was stated as a higher amount than due on website. This is illegal under FDCPA by trying to collect more than is due at any given time. Nelnet has continually breached it's Federal Contract, which it has not addressed in any claims, failed to respond to open records request for information, provided information as Department of Education wen in fact it was Nelnet in behalf of DOE, continues to provide misleading, and incorrect information. It has reported incorrect information to CRAs repeatedly. The CFPB and Department of Education continue to ignore this gross misconduct even when provided with information from solved disputes from CRAs where Nelnet was at fault of giving incorrect information. This is clear evidence of negligence and collusion, which is now gross misconduct. This should be brought to class action Status based on similar claims of misconduct and reviewed by Senate Oversight Committee responsible for Government Contract with Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: PREFERRED CREDIT INC
State: NC
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:
FCRA Violation: credit card not mine
PREFERRED CREDIT XXXX XXXX XXXXXX/XX/XXXX- XX/XX/XXXX
FCRA Violation: hard enquiries not mine
XX/XX/XXXX
FCRA Violation: addresses and name not mine
XX/XX/XXXX, TX
XX/XX/XXXXXX/XX/XXXX TX
XX/XX/XXXX

FCRA Violation: auto loan never lateXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a debt that was not mine, tried to pay it just to get rid of it. I reached out here before. The company said they would send to the fraud department and reach out in 90 days. They never once got in contact with me, not by phone or mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Today XXXX Friday XXXX XXXX, XXXX Dear CFPB, I have recently opened a Toys/Baby 's R Us Account in XXXX XXXX for XXXX. This month I should have receieced a statemten from Synchrony Bank for payment on this Toys /Baby 's R Us Account. Today I recieved an Email from Sychrony Bank for the purchase of the {$250.00} made on XXXX/XXXX/XXXX at T/B R US. The statement however was not my initial syatement requestin payment however, it is a states : " Payment not received '' " Dear XXXX XXXX, '' " RE : Your R Us XXXX ( XXXX ) Account ending in XXXX '' " This is a notification that your R Us XXXX ( XXXX ) account payment is past due and a late fee has been assessed. Making a payment of the total amount due now will help you to avoid additional fees. Please disregard this notice if you have already made your payment. '' " You can make a free online payment now by signing into your account. '' " If you can not make a payment of the total amount due today, or need assistance with your account, please contact us at the number listed below. '' I never received my initial statement via Email or otherwise. 
Synchrony Bank has already charged me the {$35.00} late fee. 
I have a XXXX card and A XXXX Card, they mail me through the US Postal Service my statements at least 10 days before its due to advise me " You have a payemt due on this date in the amount of XXXX I also have a Pay Pal account to which I receive through my Email and I get that well ahead of time noticing me .. '' Your Paypal Statement is ready '' and " Your Pay pal Statement due date is coming up ''. 
I do not understand why this company can not have the courtesy to consumers by sending out statements ( especially by email ) a sufient timing to pay ; not after its due? This whole time I have been expecting my card and statemtent into the mail through the U.S.P.O not through Email. Not to mention that I did not recieve my credit card. 
I can also state that I am not the only consumer whom has had issues with this Synchrony Bank. I believe their needs to be an investigative audit on their practices financialy andand. More so how they treat consumers. Has customer service stooped so low that consumers ( Whom pay for services/items ) deserve to be treated so horribly and harrased by credit companies instead of treated with respect and given a breakbreak especially as a " New, Loyal and or Long term customer? '' Please look into this because ALL I want is the late fee waived for their dishonesty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14
Company: ZIONS BANCORPORATION
State: UT
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Zions Bank of Utah seized the money from my savings account for inactivity with no notice until after they took my money on XX/XX/XXXX. They say I 'll get it back, but still do n't have access to my money, XX/XX/XXXX statement said account was 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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2019-12-05
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This debt is not mine i have asked numerous times it be deleted. Im harassed and my family. Says it was opened XXXX which is not true. {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: CA
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:
ive sent multiplie notices ftc statments, police reports regarding accounts that do not belong to me. I believe these accounts to belong to my father XXXX XXXX XXXX. I have never been in the XXXX or had A XXXX XXXX  account. 

Ive sent 3 sets of letters requesting the unverified / fraudulent information be removed. 
I have all of the certified mail reciepts and documentation. 

XXXX  replied back and said that I have provided them written letter saying those accoiunts were mine!!! I never did that! 
these accounts are from 2011 anyway and seem to be to old to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: AES/PHEAA
State: FL
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:
XXXX XXXX is reporting I was late on my payment for 60-119 days, however, I was never late. The account was in deferment at the time while the balance was being transferred to a different lender. I have disputed this but was told they were reporting correct information. I asked for documentation as proof but never received anything. I would like for this company to remove the late payments from all 3 credit reporting bureaus, or better yet, remove this account completely from my credit report since it has been 6 1/2 years. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay monthly mortgage payments including escrow to NewRez. Last year, in XX/XX/XXXX, 'Shellpoint Mortgages Servicing ' purchased my mortgage under the name of 'NewRez LLC ' . For 6 years the previous mortgage company 'XXXX ' ( XXXX XXXX XXXX XXXX XXXX ) had always paid my County Real Estate Taxes and Homeowners Insurance on time through my escrow account with them. 
NewRez LLC did not pay my Homeowners Insurance when it was due XX/XX/XXXX of this year. When I received a card in the mail from my insurance company that my policy 'would not renew '. I contacted my insurance agent and with some research she said my policy premium had not been paid. I explained that it was supposed to be paid by my mortgage company through my escrow account. That same day my insurance agent contacted NewRez and gave them all the information they needed to get this paid including the amount. She later sent me an email saying the lady at NewRez said they would overnight the payment to the insurance company. 
Since it was XX/XX/XXXX and my policy premium is due today my agent said my coverage could lapse if it's not paid by the end of the day. I can either take a chance for a couple of days or I could go ahead and pay it and then get refunded from my insurance company once they received the escrow payment. I didn't know why it had not been paid but did not want my coverage to lapse so I had to pay the insurance company with a personal credit card to keep from being without coverage until they received payment from NewRez. 
I contacted my insurance agent around XX/XX/XXXX about my refund from the insurance company for the payment I made with my credit card. When she contacted the insurance company to inquire about my refund, she was told that NewRez had only made a partial payment and not the full amount of the premium. The premium amount was {$870.00} and NewRez only sent {$700.00}. I then called NewRez myself and explained the situation. After being on hold for a while, a lady told me the remaining {$170.00} is being issued for payment on XX/XX/XXXX. 
On XXXX XXXX I contacted my insurance agent once again to see if the insurance company had received the remaining payment from NewRez so I could get my money back from my credit card payment. After checking she said they received it yesterday on XXXX XXXX. 
Finally, on XX/XX/XXXX NewRez, the company that purchased my mortgage XX/XX/XXXX, had paid my homeowners insurance premium from my escrow account three months late because it should have been paid in XX/XX/XXXX for a due date in XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had filed for bankruptcy a few years ago, and it was discharged. then we started getting letters form the city of XXXX about weed control. we sent them copies of our bankruptcy and tried to explain that we no longer had control of said property. if to this day we keep getting told that the bank never follow through with fore-closer and that westill have our name on the papers. then the first part of XXXX 2015 we get a letter form a lady that we must take care of a tree. What do we do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
-8/23/19 Lost wallet and ID document, SSN, Driver license, XXXX card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXXn debit card , XXXX ID and Driver license, 1 XXXX XXXX credit card. 

-Replace all lost documents XXXX Notice from XXXX XXXX XXXXPD Detective about debit cards ( XXXX XXXX XXXX XXXX , XXXX , Discover bank ) that founded from arresting XXXX XXXX at XXXXPD XXXX XXXX : notify call center about the issue and verify ID. 

XXXX receive letter form Discover Bank . 

XXXX sent the letter provided proof of identity, Identity victim 's complaint and affidavit and XXXXPD police slip via website https : //www.discover.com/online-banking/secure-document-upload/.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: IN
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:
Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
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: Information belongs to someone else

Complaint:
TransUnion continues to report illegal " Rent a Tribe, '' " Rent a Bank '' loans in which the lenders do not have licenses in the states in which they are lending money. Specifically, TransUnion accepts these trade-lines and takes no responsibility to do any due diligence on these lenders. Even after such lawsuits are settled with the lenders that require the information to be removed, TransUnion has taken not effort to remove these illegally reported loans which constitutes a fraud. 

Both XXXX XXXX and XXXX  ; which currently appear on my credit report are " Rent a Tribe '' " Rent a Bank '' illegal loans in which the lender had no license to lend within Florida. The rates charged by the lender exceed all state and federal usury rates.

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 2019-12-05
Company: Experian Information Solutions Inc.
State: SC
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 remove all inquiries shared with others and shared with me only. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX collection XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX XXXX   XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXXXXXX XXXX XX/XX/XXXX charge off XXXX XXXX XX/XX/XXXX charge off

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 2019-12-05
Company: EQUIFAX, INC.
State: SC
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 remove all inquiries shared with others and shared with me only. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX collection XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off XXXX XXXX XXXX XXXXXX/XX/XXXX charge off XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX  XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XX/XX/XXXX charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: ND
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:
XX/XX/XXXXand XX/XX/XXXX I have reached out to the credit reporting agency and bureaus reporting report on my credit file. As of today, I have failed to here back from either Bureaus. No action were taking on there part but he creditors did leave remarks.

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 2017-09-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In wake of the massive Equifax breach there needs to be an easy and free way in which a consumer can freeze ( and thaw ) their credit so that the perpetrators can not open new lines of credit in my name. 

While I will continue to aggressively monitor my familys credit, it is disappointing that there is not a way to easily do this at the three main crediting agencies.
For Equifax, XXXX and XXXX to actually profit from a security breach that they caused is beyond mind numbing.
Hi Customer, We the credit bureaus collect ALL of your personal and financial information in one convenient database. Unfortunately, all of that data was stolen, but for $ X a month we will monitor and protect you from fraud. 

No thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals. 

Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: American First Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called American Financing to settle my debt which is {$690.00} and some change, I asked them can we do settlement of at least {$300.00} which they said they would call me back. They didnt call me back or the next day. They emailed back saying they can do 56 % off of my debt which they said I would have to pay {$350.00} and some change, but when I calculated the 56 % for the debt I got {$270.00} and some change I believe. So I called them today and tried to tell them about the problem and he told me know thats what it is and so I asked to speak with a supervisor and he came back and told me he was on the other line and he told me that my supervisor will tell you the same thing. I dont really care to much about paying the {$350.00} but I just dont want people being ripped off like that when trying to settle a debt at a percentage. With my other debt they did the same and when I collected it, it was the right amount I would pay them with the percentage they gave me.

Company response to consumer: Closed with explanation