BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I admit I fell behind on my payments. I had a car loan with Santander. I purchased the cars in XXXX therefore I made 4 years of payments on the car. I am XXXX years old so finding work is problematic. I am also XXXX so really need a car. 

Santander repossessed the car out of a friends driveway trespassing as they repo 'd the car. They repo 'd the car on XX/XX/XXXX. I started my new job on XX/XX/XXXX. Santander has refused to work with me. They have refused to reinstate the loan. They have refused to refinance the loan. 

The car is a 2013 XXXX XXXX with some damage. I bought it with the front bumper loosely attached to the car. A 2013 XXXX in excellent condition is worth {$7000.00}. I figure this car is worth at best with the body damage about {$3500.00}. I have read that car loans are now securitized. It makes no sense to me that Santander will take a 100 % loss ( I filed for bankruptcy ) and refuse to work with me. Santander told me they wanted {$17000.00} for the car. I had to pay that amount upfront. 

Its an extreme hardship for me to be without a car. I do not get around easily. I had 4 years of equity in the car. I just really hate a system that allows a company like Santander to grab the car. I realize they would claim I was behind on the payments but Santander absolutely refused to work with me. Their rationale was that I had fallen behind before so this made me a bad customer. If there had been any way to keep the car. Before the car was repossessed Santander refused to talk to me. 

I am talking to a customer service rep at Santander who told me to talk to a court rep whatever that is. Santander has refused to reinstate the loan. They said it would be {$3500.00} to reinstate which I can pay but they won't do. The loan itself is a horrible subprime loan at 18 % so I barely made a dent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
This letter is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information. I am distressed that Bureau has included the information below in my credit profile and that they have failed to maintain reasonable. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
Credit Bureau must remove this account Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Select Resource Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company with the phone # XXXX has called me repeatedly and told I owe a debt which I paid seven years ago. Told me I would be served by the county clerk 's office and that I would have a lien put on my assets and that they have recordings of me vowing not to pay. 

She claims that its XXXX or XXXX. I have never received a single piece of documentation. This is distressing and wrong! Other ppl have complained about them at this website XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-07-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed for no reason. I am a victim of bank discrimination and misleading practices. The Bank representative use my old address when I requested her to put my new address when opening a new account with the bank. Due to her error my account was closed and I am unable to do any transactions on my account. When I try to correct issue with the bank they refuse to acknowledge my complains and proceeded to lock me out of the account entirely. Refusing to connect me to a manager or give me any information about why my account was closed. I ask them to return my funds to me and they wish to mail me back my money by check to the wrong address when I am notify them that I no longer at the old address that I am working on moving to the US.I have provided proof of this claims to them. I also was question about my citizenship status and I inform them that I am a US citizen born in PR they continue to question my identity for no reason. I am disgusted with such deceiving practices and searching online I have realize that I am not the only person treated like a criminal by my own bank. I hope that in the future CFPB will take action against banks leaving customers on hardship unable to pay for their bills due to abusive power. Please help me get my funds back. I am in distress and my bank do n't care if I eat, pay for my medication, my bills or die. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I.C. System Inc Collection company added a collection onto my credit reports claiming XXXX to XXXX and XXXX mobility who was the original creditor. Date opened according to them XX/XX/XXXX and balance {$2200.00} as of XX/XX/XXXX. I have no current XXXX XXXX XXXX accounts. The last time I had XXXX XXXX XXXX account was ten plus years ago. I filed a bankruptcy in XXXX that would of XXXX any old account with XXXX and XXXX This company has also reported an address that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. This collection is either time barred past statue of limitations or identity theft. This collection company is in violation of the Fair Debt Collection Practices Act. This collection is not valid and the collection company needs to remove this collection from my credit report for all three agencies. I have filed a dispute with the credit agencies and reported to XXXX XXXX XXXX who completed my bankruptcy in XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Below is link to address I never lived but this collection company is reporting as my address 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 2021-06-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist bank returned a bill pay payment that I made to them to lower the principal of my mortgage. It was not the full payoff amount, but they decided it was too large of a payment so they sent it back to my bank. They did not notify me. I had to call them to find out they declined the payment. This is resulting in another week of interest being accrued and me having to pay it on $ XXXX. I believe this is unethical and violates fair lending practices. The online bank personnel stated I mailed the payment to the payoff address. This was inaccurate. I mailed the principal payment to the same PO Box I have used for 8 years. I did not send the payment to their payoff location. 

SunTrust case # 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 2017-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
Several times I have communicated with XXXX XXXX, Experian and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, Experian and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.

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 2022-04-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX and Experian have made getting a free, online credit report more difficult in recent years. After entering all required information to receive my report, I invariably get a message that I must contact customer service for my report. However, I can contact them only during limited weekday hours, and my calls seldom get through after long wait times. Experian all but compels consumers to ask for paper copies of credit reports, because they no longer allow me to receive and download digital copies. Getting my free credit reports from these two agencies was not a problem prior to 2018, but they now require consumers to jump through multiple hoops to get what was previously easy to obtain. Enough!

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I saw that XXXX  and TransUnion report my auto lease as delinquent. I verified my payment history and all payments are made on time and in full amount. 

Yesterday I called XXXX XXXX XXXX to validate this report and they told me that in their systems no such record of delinquency exist. 

My wife score dropped with more than 60 points as well as mine. We are suffering consequences of this actions and would like to request your help investigating where XXXX  and TransUnion get their data and how and why they report false information and ruin our financial standing. 

Kind regards, 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 2022-04-30
Company: Experian Information Solutions Inc.
State: MI
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 {$550.00} XX/XX/2022 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 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 2022-04-30
Company: EQUIFAX, INC.
State: MI
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  {$550.00} XX/XX/2022 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 account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Convergent Resources, Inc.
State: TN
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 letter from the company that my collection will be removed from the credit bureaus once agreed upon payment. The letter also states that we have a agreement, not only do we have a agreement. The company Convergent Outsourcing has inaccurate information reporting to all credit bureaus. It states my collection was open on XX/XX/2018 on two accounts but on the third one it reports totally different. I disputed this information twice to the creditor and it still remains present. Also, I noticed that several others have had the same complaint with the same creditor reporting inaccurate information. This shows that they aren't to be truthful. Furthermore, the integrity of this company speaks volume when promising deletion and never being deleted. In my attachments you will see XXXX XXXX XXXX attachments to solidify my complaint.

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 2017-10-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did n't in contact with multiple people at Wells Fargo home mortgage. I have been given the runaround and been transferred to multiple different people. When I asked for payment arrangements, I was directed to XXXX. Who told me I need to submit all this paperwork from pay stubs, to tax returns, tax transcripts, etc. It appears as though I was either applying for a loan or doing a refinance, based on all the paperwork they was requiring from me and multiple people in my household. 

All I asked was for payment arrangements. That 's it, I do not understand why all those paperwork from multiple different people in the household just to get a payment arrangement. The paperwork they was asking me is so much. They want everybody 's paperwork in the household and they said I have to submit all that just to see if I could get approved. For payment arrangement only. 

When I said I rather just pay it off in full, I was directed to XXXX at Wells Fargo. She said she was looking into the extension and would be able to give me an extension for 30 days. However, I had to wait for her to call me back to see if that was okay. I had called her multiple times and have not heard back from her. I also have sent her an e-mail and she still has not replied back to me.. 

The money what I owe is due tomorrow XXXX XXXX, As of today nobody came back to me with an extension or even return my calls or emails. I am still asking for the extension. And I would appreciate if somebody would get back to me. I do not want to loose my home. I have my wife, children and the elderly person I need to worry about. They ca n't be left in the streets.

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 2021-06-15
Company: DISCOVER BANK
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:
please review the following accounts that appear on my credit report without any authorization XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER BANK Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My obligation to repay the money borrowed for my real property was not properly secured by a valid deed of trust because the document was notarized in XXXX XXXX and the money was borrowed in XXXX XXXX. Specialized Loan Servicing has been continuing to collect the debt based on an acceleration by XXXX XXXX XXXX which resulted in a non-judicial foreclosure. Acceleration and non judicial foreclosure are only permitted if there is a valid deed of trust recorded securing the interest of the lender in the property. I am attaching the first XXXX pages of the deed of trust and the last page which is the acknowledgement page because the entire deed of trust is too large to upload. The statute of limitations has run on this unsecured debt as the last payment was made in 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 2017-10-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received my annual credit report from the bureaus. I found this collection agency, that have never spoken to me last week. They have a derogatory mark on my report. Saying I owe XXXX dollars. First of all, this is from XXXX XXXX. From XXXX XXXX. I had XXXX XXXX back in Texas when I lived there XXXX years ago, I returned my equipment back then and have never been contacted about anything with them. I now retrieved my credit report about a week ago and this appears on my record. This account does not belong to me. I have XXXX as my service provider for the last XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 FCRA this company has violated my rights 15 U.S.C 1681 section 602A states that I have the right to privacy U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. Transunion is ignoring my dispute request

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 2017-10-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, 2017, I optioned to use my credit card for a larger purchase which amounted to just over {$1300.00}, of which my " platinum '' credit limit of {$2000.00} allows. The credit bank for this card is Synchrony ; At this time, my credit scores collectively, at the 3 bureaus continued posting well over 650, 660, 668 ; It is understood that this fluctuates somewhat with using my available credit ; for this reason, within the month, I set aside the same amount of funds to pay this back into my credit card ; Synchrony recieved and posted my large payment back into my account by mid XXXX, 2017. They immediately on XXXX XXXX, 2017, dropped my limit by almost 70 % to {$600.00}, days after recieving my large payment, which they did this action in bad faith ; I have never used my credit incorrectly, or been late on my obligations. 
My credit reports had been compromised with illegal information and data In the early year review, and were being corrected, but my scores had not decreased to such degree as when I asked Synchrony why they have initiated such action ; the representative said he had no real answer, and they would send a letter, which, I recieved a week later, back dated to XXXX XXXX, 2017, referencing information accessed XXXX17 ; This illegal and compromising Synchrony credit card representation, used incorrect information they accessed from XXXX-17, against my account, then never updated the incorrect information, especially after the XXXX17 PAYMENT posting and fully compromised my credit reports by decreasing the limit, with ill intent, taking advantage of me and after they recieved my larger payments in good standing and in good faith, seriously inhibited and caused injury to my credit ratings by 100 points purposely, to the adverse. 
I have filed complaints with Synchrony, with no response. 
In Addition, I am requesting that such illegal Synchrony mis-management/ mis-handling of my information and credit card account and profile, and the Synchrony non-friendly credit actions be investigated for consumer abuse and for implicating adverse result and injury to its consumer and consumer reporting.

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 2022-10-03
Company: TRANSWORLD SYSTEMS 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:
Contacted Transworld Systems to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was reported. THey asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, also they sent me a fraud packet which I filled out and returned. Thus far there account has been deleted from all my credit reports except from XXXX. This account recently re reported to XXXX on XX/XX/2022 for {$370.00} which is inaccurate information because this account does not belong to me.

Company response to consumer: Closed with explanation