BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-21
Company: CHS, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
SCA Credit Service, XXXX, Virginia, is falsely reporting to XXXX and XXXX that I owe a medical debt ( {$76.00} ) that I do not owe. I am a XXXX XXXX XXXX Veteran, and my medical care is 100 % free at the XXXX Medical Centers. SCA Credit Service is communicating to the aforementioned credit reporting bureaus that I owe XXXX XXXX this debt. SCA 's false reporting has negatively impacted my credit report, and caused my credit applications to be disapproved. Please help me correct this problem ; I have already filed grievances to the credit bureaus unsuccessfully twice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Data-Central, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was disputed and removed in XXXX 2015 and reappeared on my credit report as of XXXX 2015. This account is well over XXXX years old and a new company is trying to collect on it and increased the amount owed by 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Risecredit, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling me 4-5 times per day. They have gotten me in trouble at my job for calling. I have explained to them the circumstances and that I would be unable to make a payment for the next two months. I explained that after two months, it 'd be no problem. I have begged repeatedly for them to stop calling me. They have told me they have the legal right to call as many times per day as they want to if I do not pay them the money owed. My payment was due less than two weeks ago. I have spent a minimum of 30+ minutes a day explaining the situation over and over again. I literally do n't have anything to send them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: WA
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:
Experian 's web site for providing online credit reports on XXXX, as required by the FCRA/FACT Act, has been broken for me since XX/XX/2015. Yes, that's nearly six years. Experian continues to break the law by not providing me with my credit report online as required by law.

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 2015-12-04
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
i never lived at XXXX XXXX XXXX XXXX ca XXXX never had that address ever listed in my life.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My husband and I notified our Bank on XXXX XXXX, and XXXX that we had several unauthorized transactions resulting from a XXXX XXXX that we used rewards points to stay at. As a result of our stay with XXXX, we were supposed to be given diamond membership status and we were supposed to be given the best rate guarantee but neither were provided so we were double charged and overbilled. We contacted Suntrust to advise them of the issue ( s ) and we were provided with a dispute claim number. 

The representative did not take the details of the complaint correctly as it 's incorrectly notated that my husband is n't a Suntrust team member when he is a banker for their company. We provided the signed affidavit that stated that the transactions were unauthorized and selected the designated choice. Their affidavit is in violation of Regulation E by requiring us to provide documentation in order for them to consider our dispute. 

We were advised on XXXX, the day before we were to be provided with our provisional credit that our claimed had been denied because we told them that it fell under the wrong category for a dispute and that we had previously done business with this merchant. We have asked for documentation of their investigation, and they sent us a rebuttal form that is in direct violation of Reg E stating that we must provide sufficient proof of this transaction in order for them to investigate it. They did not investigate our claim and closed our claim to avoid providing us with the provisional credit. 

Please see the attached documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: United Military Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
The purpose of this complaint is to report a deceptive and misleading advertising scheme by United Military Mortgage LLC. 
" Low VA Rates '' is the DBA for " United Military Mortgage LLC, a residential loan originator. I am an attorney. On XXXX XXXX, 2016, I received the attached letter from Low VA Rates ( dated XXXX XXXX, 2016 ) which was addressed to my former client, XXXX XXXX. The body of this letter states that " Your VA Guaranteed loan at XXXX XXXX XXXX XXXX. XXXX XXXX has been selected for analysis by Low VA Rates .... Your potential new principal and interest payment has been calculated at {$670.00} per month. '' On the reverse side of the letter, Low VA Rates states that the estimate was based from data collected from public and third-party data. 

It is clear that Low VA Rates is being deceptive in its claims because a rudimentary search of public records would reveal the following : 1 ) XXXX XXXX does not have a VA guaranteed loan for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX. 
2 ) XXXX XXXX does not own property at XXXX XXXX XXXX XXXX. XXXX XXXX. 
3 ) XXXX XXXX XXXX XXXX. XXXX XXXX is in fact my office address. 

I suspect Low VA Rates simply purchased a mailing list from XXXX of XXXX former creditors and -- without doing any research whatsoever -- sent a letter claiming that Low VA Rates had in fact " analysed '' and " calculated '' the specifics of XXXX loan. This is a lie and an active attempt to mislead and deceive consumers. 

As a civil defense attorney, I see many such letters mislead my debtor clients. In my experience, the average reasonable consumer would not be able to determine that Low VA Rates ' claims were false, but would instead be led to understand that research had been done concerning the particular loan and that Low VA Rates was making a solid offer. 

I further believe that -- due to both the claims of the letter and the obvious falseness of said claims -- this deception can only be intentional. This is the sort of intentional violation and victimization that the CFPB was created to protect consumers against.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have notice some issues with my account Balance being the same since my vehicle purchase in XXXX 2013 and my loan dates the maturity date as well as my payment dates. Credit bureau reporting balance is always wrong as well as payment amounts. I would like for this to be researched due to the fact that this finance company Consumer Portfolio Services has had some the same issues going on for years. Which I just learned of doing some research on the CFPB site. Consumer Portfolio Services is still engaging in the same deceptive tactics as before even though they were fined and put on the radar with CFPB. Please look into this company again, they are still up to the same practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: CRA Collections, Inc
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX was billed by the XXXX XXXX XXXX XXXX in Delaware and the debt was sent to Revenue Collect. The case ID # is XXXX and the total amount due is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I needed to make a auto payment to santander consumer USA. I am forced to pay using XXXX XXXX who charges unfair fee 's just to make a one time payment via the web. The fees are way to high and i wounder if santander is not benefiting from these added fees in some way. It can not cost XXXX to make a payment using a debit card. someone is making money on this and seems to violate some FDCPA or other law. Please look into this consumers once again are getting fleeced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am requesting that US Bank remove my PMI. I have paid extra towards the principal and I am now below the 80 % threshold. I was told that I need another appraisal to prove that the value of the home has not fallen below the original value. They have the original appraisal and I do not see why since the loan is based on that appraisal. I also do not see why I need to incur additional expenses to have my PMI removed since I am at 78 % of the original value of my home.

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 2016-04-26
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car a few years ago that was " totaled '' in a car accident. The insurance did pay it off and I owed one month of late fees because it took the insurance company a while to pay it off and a balance of {$110.00} - I paid the company {$210.00} because of a bill they had sent which was incorrect so the account was actually {$100.00} overpaid. The company reported it as a repo. I finally managed to get it corrected after multiple calls to the company and disputes with the credit reporting agencies. but they reported a balance of {$900.00} which they are still reporting several years later and never sent the over payment of {$100.00} back. I have spent multiple hours trying to get this corrected and now they say that it is the balance due. I am at a loss of what to do now. I have been dealing with this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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:
USAA Savings Bank is reporting a debt on my file that I do not owe. During this time, I opened an account and ended up getting XXXX from XXXX to XXXX. Under the Sailors act this debt is voided and must be removed from my credit file. Reporting it is unlawful and a violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to do a short sale with the  Wells Fargo sinc e  XXXX    XXXX  . The everytime I get an offer in the lender counters the offer and when my buyer meets the counteroffer, they counter the offer with a higher price.  Now the lender has countered the offer at $ 165K and I my payoff is $ 145K. This  is ridiculous. The lender is being impossible, and I am trying the best that I can to get my property marketed and viewed, now my foreclosure date is in a couple of days and the file has been with the escalations department for wel l over two ( 2 ) wee ks and they still can not give me an answer. I need help. Please help 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 non-monetary relief
Consumer complaint received 2016-08-02
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
unfortunately I did not ask the right questions about this " simple interest ''. I went through an ugly divorce in which I have the obligation of the automobile and all the remaining payments. They were more then happy to give me an extension during these rough times, but unbeknownst to me my principal balance wasnt budging a bit!!!! I bought the car brand new in XX/XX/XXXX and it is now XX/XX/XXXX and the principle has only moved a couple thousand dollars. This can not be legal!!!! I am giving them their payment every month Where is it going???? HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Santander consumer USA is my auto lender. They have charged me fees that I keep paying and paying. I have not been late on my payments but every months they generate a reason for why they are tagging more fees onto my loan. As of my last payment, I paid every single penny I was told I owed just so that my account can return to normal. Now I went to make payments, even though I 'm not yet due, and they had more fees from nowhere. They are also not willing to speak on the record so there is n't a repeat of this come next month and they are not willing to speak with me. 

I am afraid if this is not kept in check they will find reason to keep generating and adding endless predatory fees onto my account. 

Please I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a certified letter to Chrystler Capital on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Chrystler did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Collection Service Center, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently applied for a credit card so I could earn points for flying. I was denied the card so I immediately started looking at my credit report. 

On XX/XX/2017 I had a hospital bill sent to collections that I wasn't aware of by " XXXX XXXX XXXX ''. I don't have any other history of this sort of thing on my credit report and don't think I was notified properly and made aware of what exactly I was being charged for. I think there was really just a lack of communication here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car was illegally repossessed by Santander. They requested that I send {$1000.00} to stop repossession. I sent the money they requested the same day. Approximately 2 weeks later during the late morning hours, they destroyed private property in repoing my car. Left visable tire marks that caused XXXX miles of black tire marks on the road way too. I made contact using my phone and there was a block. I tried several times to log in to my account and was blocked as well. I used my husbands phone and was able to get through to a man named " XXXX ''. He came up with a quote of {$2700.00} that had to be paid before they would return the car. XXXX XXXX would not tell me who repoed the car and that I would also have to pay {$150.00} storage fee. I advised him that I did not owe them any money and that I needed to get my personal property from inside and in the State of Georgia the vehicle tag belongs to me not the car. He would not advise me on how I could get my personal effects from the car and under Georgia XXXX they have to notify me. As of today I have n't heard back from Santander to retrieve my personal property that has to deal with my child 's school, my work and my husband and I 's marriage belonging from state government. 
Please help me in making sure my personal belongings can be returned to me. The Tag is a government issued tag that is very sinceitive in nature. That you for your time and help. 
Also my husband is a XXXX XXXX XXXX XXXX that was injured by a roadside XXXX in XXXX. Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Information added to complaint IDs : XXXX I have made disputes with XXXX, XXXX, and Equifax for the collection account inaccuracy reported by XXXX XXXX XXXX from reporting 3 different account numbers to the credit bureaus in XX/XX/2022. 

XXXX  account number reported : ending in XXXX XXXX account number reported : ending in ending in XXXX Equifax account number reported : Ending in XXXX XXXX, Equifax, and XXXX have failed to investigate the accuracy of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX . 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : Equifax Complaint : After disputing and providing official, accurate and complete documentation with Totals paid and Payoff amounts met as requested by XXXX/XXXX. XXXX. Equifax will ONLY agree to publish inaccurate information provided by XXXX/XXXX. XXXX. 


XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I called Macys, last year on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, besides other times trying to dispute a Macy 's account which was opened in XXXX just before the hurricane in XXXX. Speaking with the customer service who kept this account valid fromXX/XX/XXXX through XX/XX/XXXX.Constant calling and speaking to several different people. I spoke to very upset when the account was transferred to Bloomingdales at one point. I am a Victim of ID Theft in XXXX, XXXX, XXXX which is when I filled a police report with account ending in XXXX. I sent so many inquiries to ask for them to update investigate and delete. Macy 's ignored my response and kept this account on my credit file. I asked them if I could apply for another credit card, because of my credit file with credit bureau 's was destroyed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
WORST CUSTOMER EXPERIENCE. Citibank became to provider for my XXXX Credit Card. I have called their customer service 15 times today, XXXX/XXXX/16 and gone through an identification process only to have the call be disconnected and have the automated message say, " sorry, call again later. '' Citi is unable to provide the information I need regarding my credit card and personal finances -- I have billing and credit report questions.

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 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have sent over a police report and ftc afidavit and statement to transunion on  XXXX  occasions they have refused to remove these fraudelent inquiries. I have reported the incident to the police and then went back and updated the report. Transunion refuses to remove these inquiries. I did not give these people that are listed the permission to run my credit. Transunion refuses to remove them or verify the validity of them.

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