BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: SC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: TX
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:
As of XX/XX/2017 all student loan debt was paid off with a zero balance remaining. After working to get delinquencies removed I was advised to print of a loan summary detail by a representative from XXXX XXXX XXXX. This report provided online gave a detailed descriptions reflecting XXXX days delinquent and a zero balance on ALL accounts. This report was then submitted to all three credit bureaus resulting in them removing all but XXXX XXXX XXXX of the XXXX agencies. The information provided allowed them to removed the majority except XXXX. The loan summary detailed report provided all accounts I had through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
THIS complaint is the follow up of my previous Complaint against XXXXMr.Cooper. 
I wondered how did it happened that XXXX issued a statement that my mortgage was paid on XX/XX/XXXX, gave me a confirmation number for the transaction with which I paid my mortgage through my XXXX checking account. Still up to XX/XX/XXXX, Mr.Cooper did not take my mortgage payment out of my Checking account, BLAMING ME for not having funds, blaming me that I HAVE PROVIDED A WRONG XXXX  ACCOUNT NUMBER. 
NO, MR. COOPER! Researching the web, you Mr. Cooper are involved in a FRAUD. This is why the money we're not taken from my bank account. I read the following from another customer amongst the thousands of comlaints against Mr.Cooper and " 1. NationStar : XXXX XXXX says : XX/XX/XXXX at XXXXXXXX XXXX Mr Cooper recently bought my loan. The original loan was to a bank. XXXX automatically transferred my banking information to the XXXX website automatic withdrawals. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX What a nightmare. I have been making mortgage payments to Mr. Cooper since XX/XX/XXXX, post a rate modification. Todate, ALL mortgage payments made are subsequently reversed and applied to a special suspense account. XXXX XXXX XXXX XXXX XXXX '' IN SUM : Mr. Cooper automatically steals/takes the bank accounts/numbers/ information after buying the mortgages, and automatically is TRANSFERRING THIS INFORMATION onto the customers 's Mr.Cooper 's online site/account. Then Mr.Cooper is illegally and fradulently committing actions accordingly. With me, Mr. Cooper decided to messed up my good A+ payment history, and did PLACE a wrong XXXX  account number so when only the 4th last digits were shown up, I 'trusted '' Mr.Cooper and submit my XXXX payment on time. Mr. Cooper then did not notify me for PURPOSELY NOT TAKING THE PAYMENT FROM MY XXXX  ACCOUNT, which Mr.Cooper wrongfully placed on my Mr.Cooper account. It is for the reason of illegal practice of Mr.Cooper to " automatically transferred my banking information to the XXXX website ''. 
This is why I am late, it is wrongly PLANNED ACTION by Mr. Cooper, who is aiming in defaulting my mortgage and placing me in forbearance. It was not me typing my account number, but SOME ASSOCIATES from Mr.Cooper. Mr. Cooper is involved in illegal REVERSING of payments of customers, in order to mess up their credit and place them in forbearance. MUST BE Investigated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This complaint is against Chrysler Capital. I have been paying {$300.00} every 2 weeks for a {$590.00} amount due. They advised that I did not receive credit until the entire monthly amount was paid in full. Even though my payments are made somewhat in advance, their " system '' does not recognize this. I requested that do not call and they advised I would be put on the " do not call '' list. They have continued to call ( 4 times ) after being placed on this list. Each time they apologize and say they were in error. Capital XXXX has violated the do not call agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from XXXX XXXX XXXX in XXXX AL XX/XX/XXXX. I financed the vehicle with Chrysler Capital. I later joined the XXXX. XX/XX/XXXX and requested that the interest rate be reduced under XXXX XXXX App XXXX. They agreed to reduce the interest rate but no longer reported my payments on my credit report. In fact the purchase did not show up at all. When I tried to trade in the XXXX Jeep Wrangler I learned that I had no credit history. No one would accept my trade because there was no record of my having purchased the vehicle and made payments for over a year. Under section 518 of the SCRA a creditor may not take negative action based solely upon my use of my benefits under the SCRA. The act of not reporting my credit is almost if not as harmful as reporting negative credit as it means that I have no credit history. This is a penalty imposed on me by Chrysler Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.

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 2021-01-16
Company: AES/PHEAA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for schooling for XXXX University in XXXX, and the person that helped me stated i should get a student load to pay off the rest of the schooling. in the process of trying to go to school, i had to withdraw due to health medical reasons in XXXX leading up to the end of XXXX, in XX/XX/XXXX - now i have been unable to work because i have been XXXX, and the man i spoke to associated with the loans never even helped me or get consent to get these loans. even when i withdrawn if i took out anything i would have been reimbursed for the money unused, and this wasnt the case, the school or the man that assisted me at my time when i had medical issues happening, i think they pocketed the money from the loans because i never received any books, or classes for the money that was borrowed under my name. i have been XXXX since XX/XX/XXXX and have been unable to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened checking account with valid funds. Removed funds approximately 3 weeks later. Received first statement with around XXXX cents interest. Called phone center requesting closure of the account. Stated this could not be done with a positive balance. Was advised that she would give to her supervisor, and after 1 month fees would reduce to a negative balance. The supervisor would then waive the charges and close the account. 

Received two more statements with increasing fees. Balance now negative {$68.00}. 

Called phone center on XXXX. Advised they could n't " verify '' me even though I verified through their I 've. Offered transaction amounts ( only one deposit and check ). Was advised I 'd need to go into a branch because they could n't verify me. Asked to speak to supervisor. XXXX ( no last name or rep Id was given to me upon request ). Same piece given that they could see my account but nothing " on it '' so they could n't verify me. Offered any personal information and identified those XXXX transactions, but they would n't ask for anything, stating that I needed to go into a branch. 

advised that this seems like a systemic issue that they ca n't verify me ( or wo n't attempt ), and that the racking up of the fees seems wrong given the follow up not happening. Asked her to provide phone call to her leadership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On Friday XXXX XXXX 2015 my car was unlawfully repossessed by a GPS tracker device placed on my vehicle by the repossessing agent that was authorized by the lien holder Title Max. I have done my research and in the state of Texas you have to be a license Private Investigator and have a signed contract by the ones who hired him to perform this. I would like to know who the Private Investigator was and I would like to have a copy of the contract. Then when I called them, they stated that my vehicle was reposed on a different date, the documents did not match up, and the manager there told me that he was helping me out. They mailed a certified letter weeks after the car was repossessed they never sent a certified notice before they reposed they vehicle. The finance company is not information that the finance inclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX, I purchased a Samsung Smart TV from Best Buy, with a Best Buy credit card, for {$2100.00}, 24 mos interest free financing. Regular monthly payments were automatically deducted from my XXXX checking account. I had paid {$1200.00} when I first became aware, in the XXXX, that Citibank was charging me interest from XX/XX/XXXX, retroactive to the date of purchase, XX/XX/XXXX!! I was not receiving paper statements from BestBuy or Citibank and was n't opening any email communications because payments were being made automatically. 
My phone & mail attempts to settle w/Best Buy were to no avail. On XX/XX/XXXX, I nevertheless paid by phone an additional {$1200.00}, so I have now paid {$2400.00} ; but according to Best Buy I still owe {$1800.00}. 
In XX/XX/XXXX, I filed a complaint with the XXXX Dept of Consumer Affairs ( Case No XXXX ). Not until XX/XX/XXXX was I notified that Consumer Affairs does n't handle complaints against financial institutions ( i.e., Citibank )!! 
I believe BestBuy 's policy is unfair & usurious, designed to take advantage of unwitting customers. I recall reading in the XXXX that other complaints and perhaps a class action suit has been brought against electronic companies for these kinds of practices. A copy of the Best Buy receipt is attached. XXXX Consumer Affairs recommended that Id submit complaints to the FTC ( which I did, but it turns out FTC does not handle individual complaints! ) Thank you for your assistance.

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 2021-01-16
Company: KLS Financial Services, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid an outstanding debt XXXX XXXX, XXXX. After several disputes XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX the collection agency KLS refuses to remove the collection. The original debtor even reached out to them on XX/XX/XXXX to inform them that the debt was in fact paid in full. However, instead of this agency deleting the item they instead send me a letter dated XX/XX/XXXX with an invoice from XXXX NOT the receipt of payment that I and the original owner of the debt sent over to them! This unlawful attempt to collect a debt that has been paid is absurd! Even after talking to the staff they have been rude, abrasive, and inaccurate. I want to take legal action against their unethical practices and reporting of inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5400.00}

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 non-monetary relief
Consumer complaint received 2023-08-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was trying to pay rent today at The XXXX XXXX Apartments. And noticed added an extra XXXX to my balance which wasn't right. I talked to the manager and tried to dispute it and almost successfully untill i accidentally sent the payment while trying navigate their app. was told to call my bank ( Wells Fargo ) as they could do nothing to dispute it from their side Wells Fargo told me nothing can be done till the payment posted in my account which will take more than a day to do since i used checking to pay for rent. So I'm caught in a limbo where I don't want my apartment to take extra money out my account but I have to wait for it to happen in order to even get that money back.

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 2018-06-29
Company: CITIBANK, N.A.
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: Problem with customer service

Complaint:
We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for a {$110.00} deferred minimum payment grace period on our XXXX credit card ending in -XXXX. 

We have not received the {$110.00} payment deferment as promised for XX/XX/XXXX that is due by Monday, XX/XX/XXXXper XXXX Irma Relief at XXXX XXXX XXXX. 

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 2016-01-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX of 2013, I tried to apply for a auto loan and I was denied due to bad credit. This is the first time I 've tried to obtain credit anywhere. When my mom was showed the credit reward, it was all of my father 's information ( bad credit ), but, under my name. We have the same name but different middle initial. We 've contacted XXXX, but, this is a nightmare to try to fix. I want to go to college soon, and will need to apply for student loans, but, with this on my credit, I wo n't be able to get any assistance. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: GREAT LAKES
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a XXXX student loan with Great Lakes which has been on and off in-school deferment and forbearance since 2010. Every year, Great Lakes has brought the loan out of in-school deferment before receiving notice of or verifying my XXXX semester attendance. They have had to make more than two retro-active adjustments to my loan repayment history because of this practice. For the past month I have been trying to speak with someone at Great Lakes about the issues with my repayment history and I am being jerked around and told that the information can not be changed because of the Fair Credit Reporting Acts. I researched into this topic and discovered a letter from the FTC discussing Great Lakes ' obligation to update the information on the credit file, even if it was accurate at the time it was reported. They have since refused to respond to me and I am now searching out other ways to resolve this issue. 

I have paid on my loan and my account is in good standing. The remaining principal balance is less than the original principal balance so I do not owe more than I took, I owe less. I have been working very hard to try and get this loan taken care of but, at each step Great Lakes has worked against me to prolong the time the student loan stays in repayment and therefore in their possession. I feel as though Great Lakes has no incentive to provide me with assistance as their money comes from having a number of accounts to service. Essentially they are a for-profit XXXX complex. There is no incentive to rehabilitate the XXXX if the XXXX gets a monthly check based on head count. The same situation is true with federally subsidized student loans. Great Lakes is attempting to prolong the repayment period of my loan and will not work with me to correct the inaccurate payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX I inadvertently paid one of the two car loans that Ihave with Hyundai XXXX. When I discovered the error in XXXX, Icontacted then and requested a one month extension for theloan I paid XXXX in an effort to pay the loan that I missed in error. 
They agreed and said they would send me confirmation. I receivedthe confirmation XXXX/XXXX/15 and I received a collection call that day. 
I explained to the rep that I had just received the letter andwould fax it in Monday. He informed me that I had to send itright back or it would n't be enforced and that I could n't do it beforeMonday because that particular office was not open on theweekends. I agreed and he indicated he would not it on my account. 
Every subsequent day after that I received abusive calls about thesame thing. I told them that I had already spoken to themseveral times and did n't need to be reminded every minutethat I had to send the paperwork. My bother passed away andwe were taking care of family business during these harrassingccalls. It was not necessary and I take issue with be harassedso vigorously. Prior to my error, I paid my bill EVERY month. 
Not to mention, this account is not even XXXX days past due. I amvery upset and feel they should be held financially liable. I wantthem to have to recind the entire amount of the loan. I recognize t that they have to protect their interest, but I have to protectmy sanity. They were totally out of line and this shouldbe made an example of waiting a few days to see ifI do n't live up to my obligation.

Company response to consumer: Closed with explanation