BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
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:
At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a XXXX credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX refuses to remove the information on credit reports!! if not ill sue!

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 2015-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a home loan modification and made my payments on time. My modification was officially approved and I just received a phone call from Bank of America yesterday letting me know that my modification was approved. The late payments are erroneous. This is also an FHA loan. 

Now I am not able to get a new mortgage loan because of late payments on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased appliances from XXXX in XXXX, California. The purchase was financed by Synchrony Bank, which was facilitated by XXXX. The loan was supposed to be 18-month interest free loan, with {$160.00} per month payment. After the first month 's charges were drawn, the remaining balance of {$4400.00} was drawn as single payment on XX/XX/2017 without any prior notification. 

I did not catch this transaction until 1 month later and was a total surprise for me. I 'd like consumerfinance to help me with this issue.

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 2016-06-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX XXXX XXXX XXXX ( aka XXXX XXXX ) ( AKA XXXX ) contacted us on XX/XX/XXXX to supposedly update our account since it was quiet since 2015. We perform Broker Price Opinions ( BPO 's ) as a side service for real estate firms. XXXX XXXX asked for our " updated '' credit card info, and unfortunately, my wife did provide it on that incoming phone call. 
Turns out we did NOT do business with this company XX/XX/XXXX. My wife found no activity with them in the past, though we HAVE done BPO 's successfully with other agencies. 
My wife also looked up the SCAM reputation of this firm and decided to cancel any further involvement. When she called back THE SAME DAY, no one answered the telephones at XXXX XXXX. No one answers our email. They did charge our credit card {$440.00} that day. 
We have three times told our bank ( CITIBANK ) it is FRAUD, but when CITIBANK contacted XXXX, XXXX told the bank that we have a " current account in good standing '' with XXXX and LDG does not give refunds. 
1. XXXX still will not answer our calls. We have tried phoning and emailing many times since XX/XX/XXXX. We have attempted to cancel an account that never existed in our emails. How can we communicate? 
2. CITICARD/ CITIBANK has twice provided a " CONDITIONAL CREDIT '' but each time has taken back the credit. The bank says we are responsible because of what the merchant told the bank. As of XX/XX/XXXX, the bank is refusing to help us further. 
We have notified the XXXX XXXX, the Colorado State Atty. General, and also the Colorado Division of Real Estate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Lender reporting loan to Credit bureaus after multiple transfers, so XXXX loan shows as XXXX loans, which severely damages my credit score. 
Loans from XXXX XXXX show as : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX XXXX show as : XXXX XXXX XXXX XXXX XXXX Most of my student loans are repeated multiple time as XXXX and XXXX XXXX XXXX XXXX. All Credit bureaus are not even all the same and this is ridiculous. I was in school until XXXX and all loans should have been in deferment, so there should have been no late or default prior to that, but there are. I also had multiple forbearances granted, so there should have never been a late payment recorded. I am currently XXXX and have been since XXXX, all federal loans were transferred to XXXX and were forgiven, yet still being reported by banks individually, so multiple reportings for the same debt. I will be attaching a copy of XXXX of my credit reports to show this problem. 
I attended XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

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 2021-01-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$5200.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my 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 2017-01-30
Company: LDF Holdings, LLC
State: OR
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
My payday loan company 's name is Lendgreen. Not sure where they are located. I took out a pay day loan that I still have yet to pay back as I am completely broke and am now looking for a 2nd job. They call me 3 times a day so I would like to file a complaint for harassment. The screenshot attached is an example of 2 days worth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Transaction issue

Complaint:
We submitted our payment to the Wal-Mart store in XXXX, XXXX. The check was returned and we were asked to send the check to Wal-Mart XXXX XXXX in XXXX, XXXX We complied. Wal-Mart cashed our check but did not credit our account. We called and later faxed copies of the canceled check and our bank statement. They refused to credit our account, saying they never received payment or cashed the check. We provided them with the Source of Receipt Document from the Federal Reserve Bank, showing the check was processed in XXXX. Walmart XXXX XXXX refuses to credit our 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 2016-09-29
Company: Santander Consumer USA Holdings Inc.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We purchased a car from a dealership. We then ended up closing on our home and then because of some landlord issues moved twice in the first month after we sold our home. We did n't receive notification of who to make the car payment to until after it was 30 days late for the XX/XX/XXXX payment. We made the extra payment and have been on-time since. We were told by them ( lied to ) that there would be no negative credit reporting on my wife. We are now trying to purchase a home again and there is a 30 day late. I called every number in XXXX Texas that was in XXXX.com and none reach a person. All fake numbers. When you call customer service you get some foreign country, wo n't transfer you to someone in the USA and I held for almost a half hour waiting for a " supervisor '' to see if I could resolve the issue. Based in XXXX, I am not sure they should be doing business here in the USA if you ca n't reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My loan matured on XXXX/XXXX/15 but Santander Consumer states I still owe XXXX. They will not provide documentation as to the amount after multiple requests. They are predators and now I am filing bankruptcy chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: NEW YORK COMMUNITY BANK
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender has failed to release escrow for 60 days after loan payoff. Lender originally had wrong forwarding address but has now had correct forwarding address and affidavits of non-receipt for 15 more days and has not released check. This loan was paid off XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After a having a look at my recent credit report I noticed that XX/XX/XXXX, EQUIFAX &XX/XX/XXXX are reporting I was late paying my XXXX credit card ( XXXX - Card Service ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card ( XXXX  ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Southwest Credit Systems, L.P.
State: CT
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 have tried multiple times to dispute with XXXX  and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt. 

All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it. 

Please help me with this collection as it is hindering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased my vehicle XX/XX/2012 first payment started XX/XX/2012 for a 72 month car loan through Santander at 21.25 % interest .Although some of my payments were late I have been able to maintain making payments never had a repossession, Ive made 49 payments of {$620.00} up to this date. 
This car has been reliable until recently Ive had to put over XXXX in car repairs over last 2 momths and was told I need to get rid of it by the mechanic because its going to be too much to fix now I had to get a waiver from the DMV in order to register the car becsuse it fa iled smog .twice even after the necessary repairs were done. The mechanic which fixed my car XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX Nevada says it would cost close to XXXX for Timming chain and once they take the engine apart its no tellingwhat else theyll find and it could cost me more money. 
Ive been tryingto get a reliabe vehicle and trade thecsr in but no auto dealer want to take negative equity anf apply to a different car. 
Santander is reporting incorrectly my paymemts and not applying payments to my account according to agreement. Santander has alsobeen addeing extra amount to increase my balance during the loan without my knowledge. 
Ive had some difficult times over the life of this loan due to unemployment last year, and prior personal difficulties and needed extnesions on payment. The customer service representstive for Santander gave me misleading information when getting my extensions I was under the impression The 4 extended payments would just be put on the back of loan which would make me have 4 additional months to pay or I could pay extra before the end of loan period to complete the payments. 
I want my account totally audited all of my payments to make sure account is being managed correctly and for my correct balance to be reported correctly on my credit reports. 
This isnt only affecting me and my credit but its also affecting my daughter since she was my co-signer for this vehicle at that time. 
She also purchase her vehicle at thst same time we thought we were getting a deal. 
Santsnder has sold or transferred her loanto another finance company she is also making payments since XX/XX/2012 and feels she is getting ripped off shes saddened and regret cosigning although she was happy to help atthat time. 
please help to resolve this issue. 






my car is only appraising at XXXX now which was done by XXXX. Santander is reporting that I owe over XXXX. 
currently. My credit reports have XXXX different amounts that I 'm supposed to owe Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-01-13
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime notified me that my account will be closed without reason, I was told the funds in my savings account will be transferred to my spending account and all remanding balances will be sent via check in 30 days howver its been over 30 day and I stain didnt revive my money I e tried calling and emailing and theyre response is sine theyve ended theyre banking relationship with me they can no longer assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Loan Science, LLC
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Two collection agencies by the name of Loan Science and XXXX has been continually harassing me by phone. It started on XX/XX/2016 with calls from a company by the name of XXXX - XXXX. They have called 1x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX. Then on XX/XX/XXXX I started receiving calls from Loan Science. They called 1x XX/XX/XXXX with phone XXXX ; 3x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 2x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX. They are looking for a person by the name of XXXX. Both of these companies are looking for the same person. I explained to their representative " I do not know of this person or have I ever heard of a person by this name, and that I am listed on the XXXX and also my State of Indiana Do Not Call List ''. The representative then hung up on me. They continue to change their phone number with each call so it is hard to monitor who is calling. They should not be allowed to harass people on the Do Not Call lists who have no knowledge of a debt that is owed by someone that they have no knowledge of. They should be held accountable for violating the National and State Do Not Call Lists. I myself, have never had a student loan in my life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied and received a modification mortgage thru Ditech Financial LLC. They charged just over {$500.00} for the modification increasing my principal from XXXX approx. The payments are XXXX for 40 years. I inquire as to early payoff and they claimed no penalty but although I am making extra payments and stateing they are to go to principal only they refuse to apply the funds to principal. 
They also started gouging me with fees labeled as ( XXXX ) which they claim are for inspections and mowing my Tiny ( 10 x 20 ft yard ) They claimed to have mowed it 3 times and inspection done two times at a cost of {$400.00} for 1 1/2 months added to my principal. At this rate I would never pay off my loan. They are extorting money from me for inspections that should not be done after I accept the loan and start paying and fixing up the property and for lawn mowing when I am doing that myself. There is no proof they have done anything. Why would they wait till I sign my modification loan and agree to fix up the property when they let it go for the previous 9 months before I started paying again and was letting it go? They are robbing me blind and forcing me to give up a property I can never pay off. I have no incentive to keep and fix up this property if my principal just keeps increasing more than 300 times what I am paying on this principal by these bogus extra charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My parents have been paying on a mortgage loan on a double-wide trailer for approximately 20 years. The principal balance of the loan has barely decreased. The loan was originally supposed to be a closed-end loan that reduced principal and interest. I am their son and when they took the loan out I was in high school. I 've since been in the financial services industry for 10+ years. My parents have paid faithfully although maybe had a few payments made behind over the years but have always paid. Recently my mother had a XXXX and my dad 's health has declined as well. Their income has reduced significantly since the loan originated and they have fallen behind. The mortgage company, Di-Tech, is threatening foreclosure and recently came to their house to take pictures. In my opinion, a threat to scare them into paying. They call my parents continuously and have both my parents afraid they are going to lose their home. My mother and my father are still recovering. The representatives are rude and show know empathy towards my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy, and further implications are of serious concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief