BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
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:
This is my 2nd 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 items : XXXX XXXXI XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX  XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( XXXX : XXXX ) XXXX Balance {$420.00} XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX  ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Originalcreditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX  ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2016-02-15
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2015 my daughter and I took at trip to XXXX. It was all prepaid through XXXX. The 2nd day we were there, we were told in order to make room charges we would have to have a credit card on file. So we did that. At the end of our stay we had {$26.00} in room charges. I signed the charge slip, then signed a credit slip to refund the {$6500.00} pesos hold The XXXX XXXX placed on my card. All seemed to go smoothly. 

When I received my credit card statement, not only did the hotel charge me the {$26.00} but also charged not credited me the {$6500.00} pesos ( {$440.00} US dollars ). I called my credit card company right away, told them the circumstances. We filled a dispute right away. On XXXX XXXX, 2015 Barclay Bank issued me a credit of {$440.00}. At this point I believed everything was all good. On XXXX XXXX, 2015 Barclay recharged me the {$440.00}. 
Again I called and filled a dispute, since the bank claimed my dispute was resolved. This continued for months, the bank claiming I signed the slip so I acknowledged the charged. 
I explained I signed a credit slip and there was no exchanged of goods the {$440.00} is a fraudulent charge. 
After months and hundreds of phone hours with Barclay Bank I filled a complaint with Washington State Attorney Generals Office. Since Barclay did not reply in a timely fashion nothing ever happened. 
I started contacting the XXXX XXXX myself. After being transferred around a bit and about a week I was told my money was credited back to my credit card. Again calling Barclay bank I was told no the money was never credited. Now I have emails from the hotel admitting a credit was due to me, again Barclay bank would not help me with this matter tell me my money was in XXXX and to bad for me. 
I the wrote a letter to the President at Barclay back with no reply. 
Then out of the blue, XXXX XXXX called me from the office of the President at Barclay Bank because of the complaint I filed with the Washington State Attorney General. After months dealing with her and all was in agreement I was owed the {$440.00} it was still never credit to me. I received a letter from XXXX XXXX closing my case. 
So I started calling XXXX, talked to XXXX there for another few months he told me they were escalating my case. I just recently found out XXXX is an intern and is doing nothing. 
Someone at the Attorney General 's Office gave me the information to this website, so here I am filling a complaint with you. 
This is just the cleft notes version, because I have spent hundreds of hours trying to get my money back. You are my last hope.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have credit cards on my credit report as far as 1994 still showing which is derogatory to my credit ... I have a mailed report that XXXX was taken off, and its showing on my credit, I have XXXX fashion bug cards showing on m report that have n't been used, no money owed from yrs back, I do not understand this at all ... I also have XXXX XXXX, XXXX, and XXXX, now these are old accts that are ruining my credit..I want them taken off, they have n't been usd in yrs, and I do n't even have a XXXX XXXX acct, and was supposed to come off, still shows I paid a collection, Now my daughter had the same thing, her collection is totally off, I paid XXXX XXXX for XXXX XXXX XXXX XXXX I was told XXXX XXXX XXXX that it would go away.At this time I am trying to do what I can as my husband XXXX left me XXXX closed our bank acct. took his check and left me, new house, car, whatever, and I am struggling for my credit ... I need some kind of credit, and I know it takes time to repair, I am doing the best I can, now these cards I am talking about, I have n't used in yrs..Please take them off my credit! 
Thanking you in advance XXXX XXXX XXXX ... XXXX XXXX XXXX Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: AMERICAN INTERNET MORTGAGE
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a small business owner. AIMLOAN requested the source for XXXX deposits made into my personal account. I provided them the source along with a letter from the financial institution verifying the source, which was a corporate checking account. They said a letter from the financial institution was not sufficient that they wanted the corporate bank records. They were advised that was not going to happen. They are not requiring that I find another bank account with enough funds in it to make the down payment on the mortgage. The only account I have is a XXXX, so they are now requiring I take a loan against the XXXX to make the down payment. This and other actions feels like retaliation for a previous complaint against the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: FIRST CASH FINANCIAL SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have verbally stated over the phone on our and their recorded lines not to call me at work and only call the cell number. They still call at work and my boss is n't happy. They call my cell multiple times a day. I work a full time and support my husband who is on XXXX XXXX times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Dear Sir, I have submitted a written request to Central Credit Services for the validation of debt. I have yet to receive the information requested in writing. The request was sent on XXXX/XXXX/15 and accepted on XXXX/XXXX/15. Prior to the written request, I have had XXXX verbal communications with the collection agency. I believe that they are in violation in a number of statutes and my credit profile should be expunged of these items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had repeated robocalls from Mercantile Adjustment. They will not stop calling - supposedly you can leave a message but it never allows you to do so. It is not even my collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Affirm Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Affirm, Has continued to refuse to refund me the money I am owed. On XX/XX/XXXX, I made a XXXX XXXX XXXX using Affirm. The amount the loan was initially taken for was {$5000.00}. The loan was later partially voided for {$1100.00}, leaving a remaining capturable {$3900.00}. 

- XX/XX/XXXX, I paid {$2500.00} ; leaving my balanced {$1200.00}. 
- XX/XX/XXXX, Affirm received a {$2700.00} credit from XXXX XXXX, leaving my balance - {$1400.00} - XX/XX/XXXX, Affirm received a {$190.00} credit from XXXX XXXX, leaving my balance - {$1600.00} - XX/XX/XXXX, XXXX XXXX charged my Affirmed account {$54.00}, leaving my balance - {$1600.00} - AFFIRMED OWES ME A REFUND OF {$1600.00} but refuses to pay me. Every time I call, I get the runaround. Affirm customer service is the worst. 
- Someone from the executive department needs to contact me and fix this! 

All the attachments are my evidence that Affirm owes me {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Credit Adjusters continues to contact and harrass me over a debt that i paid in full back in XXXX XXXX to another agency. I have copies of my bank statements to prove that i paid this debt off in full back in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: National Credit Adjusters, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I had a missed call with from XXXX. I returned the call and a man that identified himself as XXXX at ext XXXX questioned my name, and birthdate. I verified that his information was correct. He went on to ask if I ever had a XXXX account, and I said no. He said that a loan was taken out from XXXX in my name for {$1700.00} and the money ( apparently ) was put into XXXX account. Caller stated his company purchased this account from the Delaware bank. I told him to send me something in writing for me to further review. As it turns out from a little research, the Delaware bank he claims to have bought this from has been defunct for years. FDIC pulled out XX/XX/XXXX or earlier. The whole thing sounds like a scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
PennyMac has fail to produce to me the original promise note and mortgage in question. 
My request was done not to release the original but notorized the copy under penalty of perjury and then they send me a copy of HUD1 which I do know the signutare are all forgery. In reference to HUD1 that the forgery was committed and I have solid evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a payment to PennyMac to bring my escrow account into the positive after my year-end review. The payment was sent with a note specifically stating that the money was to be directed towards the escrow and not as a regular monthly payment. I sent a message through their online portal to address the issue on XX/XX/XXXX. However, I have received no follow up from PennyMac and I do not wish to communicate over the phone as I have done that in the past and been told the wrong information, which I could not prove since there was no 'record ' of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Okay '' over seven yrs ago '' XXXX I had purchased a tv from XXXX 's store okay I had the tv almost paid off when something went wrong with it, and it was taken back to XXXX 's by them they picked it up, and I had to do some paperwork so they could credit my account what I already paid on tv. They said they would replace it and just keep making my last few payments and the new one will be mine so I did, well when went to make my last pymt, they said I just started my pymts and said there was no record of them crediting my account so I told them I was n't paying for it twice. Then they came and took the tv.a couple months later I get a letter from XXXX 'S saying I was behind and neededto pay them XXXX for XXXX t.v. and like XXXX for the XXXX one. I explained it and they did n't care, so I told them I 'm definitely not paying them so they sold the debt to NATIONAL CREDIT ADJUSTORS, and i waited eight yrs for it to come off my credit. Finally it did in XX/XX/XXXX. Now I 'm older so wan na buy a house I ordered my credit report and there it was again after yrs of being off my report. Only now it 's reporting that I opened the account in XX/XX/XXXX. It 's affecting my credit score big time and I never did anything wrong at all. I told national credit ADJUSTORS the story, and told them I would like to see my disclosure from them and got hung up on. PLEASE HELP ME I CA N'T WAIT ANOTHER EIGHT YEARS and not paying for something they took and was already over paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Re : Cheat on interest calculation I paid down my mortgage principal XXXX/XXXX/17 and they continue to charge me the same interest amount from XXXX to XXXX without the deduction of XXXX. I called them and find out they do this for all their customers and they did this for years. This practice needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Hillcrest Davidson & Associates
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX called last friday from hillcrest davidson saying he was trying to collect a debt. They posture themselves like a law firm. I am used to getting information requested for medical records from lawyers and this collection letter looks very similar to legal letterhead and languaging. 
I called them back today. After I informed this " XXXX XXXX '' that I reinstated my account with XXXX he did not relent. He wanted to know if XXXX " debits my account and for how much ''. I told him that I do not provide financial information over the phone under any circumstances. He then demanded that I send him bank statement copies to prove that I made payments. He kept changing the number of transactions that he wanted proof of, refused to send that demand in writing all the while using condescending language ( " oh, yeah, I looked you up. You have several locations and are SO important '' ) and manipulative tactics basically at my expense. He kept cutting me off, would n't let me finish a sentence and threatened me that he would " ruin my credit '' if he did n't get the proof of transactions today and hung up on me after I told him that I would need a day or XXXX to get this accomplished since I 'm busy with a full calendar. I was stunned at how rude this guy was so I called XXXX to request that they send the proof of my account reinstatement on my behalf. I explained the horrible tactics this man used as well. The XXXX rep confirmed that XXXX indeed contracts with this collection agency and told me they have received other customer complaints about Hillcrest Davidson. XXXX says that " sometimes there is a lag between the time that a customer reinstates their account and the quit request of collections is processed. The rep said that XXXX is going to intervene on my behalf to address this issue. It does not excuse the behavior of this " XXXX XXXX ''. Hillcrest Davidson should be required to state they are a collection agency in the top section of the letterhead, not require someone to infer it from the contents of the letter. I could see how someone might be deceived if they are not used to working with attorneys and legal documents. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a vehicle loan through Santander Consumer USA, during the loan I had some problems making the payments due to my XXXX. Santander was never very good at working with me on the situation. Often times my whole payments of {$580.00} would go straight to interest, this happened months in a row. ( I found that mathematically impossible ) I really felt like Santander was ripping me off because of the situation I was in and my bad credit. On XXXX XXXX, 2015 they received a letter from me as a last resort, to work with me during this time. I requested that Santander respond via letter outlining any options they might have. I received no response from them, ( after the repossession they lied and said I did n't communicate with them ). Soon after they sent a recovery truck to repossess the vehicle at night ( I offered early on to surrender the vehicle if no agreement could be made ). They took the vehicle which had personal belongings of my wife and I in it. They also did n't inform us on how we might get them back, we never got them back. We also received no notice on when/where/or how much the vehicle was going to be sold.. They followed no WA repossession law that I can tell ... I have read that Santander has optional payment protection plans which would have helped me in this situation ... Which I was never offered in the first place ... I feel like Santander took advantage of me because I am injured and XXXX. They now claim I owe almost {$10000.00} for the balance they could n't get for the vehicle, they have assigned it to collections. I do n't believe I owe the money based on the fact that they did questionable things during my loan and ultimately broke the law in regards to the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander reported inaccurate information that are Still having damaging effects on me and my credit. My insurance paid for my auto loan and this information was n't reported to the credit bureaus until just recently after I submitted a dispute. They are also reporting inaccurate late payments and refusing to correct or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
Macy 's is awful. Twice in having this card I 've had issues, because Macy 's communication is deliberately confusing or lacking. I have a Macy 's credit card ( # ending XXXX ). 

XX/XX/XXXX Purchase on card : {$8.00} ( a purchase that had a larger balance of {$30.00}, {$21.00} of which was paid with a gift card, with remainder {$8.00} put on the credit card ) XX/XX/XXXX Statement balance : {$8.00}, due by XX/XX/XXXX ( payment not made on time ) XX/XX/XXXX Statement balance : {$10.00}, due by XX/XX/XXXXXX/XX/XXXX Online payment made : {$10.00} ( WELL BEFORE due date of XX/XX/XXXX ), bank statement proves it. 
XX/XX/XXXX Statement : {$2.00}, due XX/XX/XXXX -- where did this come from? 

I called customer service ( no options to talk to a real representative ) and IVR System says the {$2.00} is interest charges .... How can this even be possible, when I 've already made payment in full of {$10.00} ( on XX/XX/XXXX ) after receiving XX/XX/XXXX statement? 

Until the XX/XX/XXXX statement, I was under the impression that I 've paid the Macy 's card in full. Had I not investigated this, and matched up payments and due dates, I would either have paid {$2.00} for no reason, or Macy 's would have charged me fees and interest on top of that, which is what they did last time with a similar ( though not exactly the same ) incident. 

There should not have been any balance. Yet, Macy 's puts an " interest '' fee of {$2.00} on a statement after something has been paid in full from their last statement. How can this be allowed? 

After calling the IVR system, Macy 's automatically removed the {$2.00} fee, without having to speak to a customer service agent. This tells me that this is an ongoing issue with Macy 's. 

I classify this as fraud, and a deceptive practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation