BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
A local auto dealership sold my daughter a truck this last spring that she can not afford. The basis of my complaint is the dealership stated my daughters annual income was more than twice of what her actual income is. The lender has taken the position this loan is a no income verification loan so the responsibility falls solely on the shoulders of my daughter. In addition, the lender stated since my daughter signed the credit application that listed her income with the inflated amount she is responsible not the dealership. My daughter trusted the closing dealership finance manager and signed this document blank. My daughter provided income detail in the form of previous two months bank statements revealing her true income. 
The finance manager justified the monthly payment amount is affordable by saying " if the lender approved it you can afford it ''. 
The lender is XXXX and they have chosen to assign total responsibility to my daughter and not the dealrship. 
Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
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:
Good evening, I made a payment a mortgage payment to Freedom Mortgage on XX/XX/XXXX for the month of XXXX and this payment was not credited to my account on XX/XX/XXXX. It was credited on XX/XX/XXXX. 

This resulted in a negative credit bureau reporting of 30 days late which dropped my credit score by XXXX points with one bureau. 

I have always ensured that my payment is made in the month of, most times on the XXXX as I have extenuating financial situations but do not ever want to fall behind on payments. 

This has never happened before and I was never formally informed that tis could happen. 
I was taken aback by the messages I got online ( this must be new ) and tried sending secured messages immediately. These I will attach. 

This mortgage company is taking unfair advantage of consumers as the date is very important to record keeping and the date the payment was made was XX/XX/XXXX. 

As I was traveling there was a one hour difference and it showed as XX/XX/XXXX in their system. I did not have available internet service and had many challenges getting to a reliable source to get access to their website as I specifically did not want a late payment. 

I called Freedom Mortgage a few times to request intervention and a courtesy and this evening my call was escalated to XXXX employee id XXXX who said there is no courtesy that can be shown regardless of the time the payment was ACTUALLY made vs. the time their system made the credit. He was even able to tell me that he could see each time that I logged on checked and eventually made the payment and sent the messages. All of this was done between XX/XX/XXXX and XX/XX/XXXX for 3 years, 3 years of on-time payments and I was refused a one-time courtesy due to the weekend dates as historically they were able to tell me that all my payments were made between XX/XX/31 but those were week days??... so this being a weekend My credit will be damaged for 7 years??? for a payment that was MADE on their system before the end of the month that they can VERIFY

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 2017-11-05
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/X/17 I received a notice in the mail for an alleged amount due of {$600.00} to XXXX. I have no idea what this is. Per FCRA, please provide validation of this alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I originally took a loan from Santander on XXXX XXXX, 2012 in the amount of {$29000.00}. The loan was for 6 years ( 72 months ) at {$790.00} per month. To date I have made a total of XXXX payments, which totals {$24000.00}, and only {$4100.00} has been applied to the principal. With all the payments that I have made {$20000.00} has been take for interest and only {$4100.00} applied to principal. At this rate I will be paying this loan for another 20 years before it would be payoff. 
I spoke to a Santander agent to get some clarity on why so little of my payments where being applied to the principle, the answer I was given was that is how Santander calculates there payments. There is something unfair about the why payments are being calculated. A great example of this is my payments for XX/XX/XXXX and XX/XX/XXXX of this year, both payments were made on time, but my entire payment for XX/XX/XXXX, {$790.00}, was applied only to interest nothing went to the principle. How is that possible? This can not be fair practice, if payments are being made on time and nothing is going towards the principle of the loan, something is wrong. 
I have made 31 of the 72 payments of this loan which is % XXXX of the total loan payments agreed upon, yet I have % XXXX ( {$25000.00} ) of the principle left to pay. There is a great injustice in this. 
I would like Santander to correct this account ( XXXX ) so that the principal remaining reflect that 31 payments of {$24000.00} has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NJ
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  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2015-07-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Previously had a vehicle loan with XXXX c. XX/XX/XXXX, which was sold /assigned to Santander USA ( c. XX/XX/XXXX ). This was for a XXXX Ford Explorer. Between XX/XX/XXXX and XX/XX/XXXX I was underemployed, then later unemployed. In approximately XXXX, XXXX, the vehicle sustained either internal or external damage to the Transmission. The Transmission was found to be in need of repairs that would cost somewhere between $ XXXX {$1500.00}. I subsequently sold the vehicle as scrap to a junkyard. 
Santander HAS CHARGED THE REMAINING BALANCE OF {$800.00} OFF. 
They are now calling me ( from : XXXX ) ATTEMPTING TO COLLECT THIS DEBT. I know longer have the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: GA
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 Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Experian Information Solutions Inc.
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:
IVE BEEN A VICTIM OF IDENTITY THEFT.

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 2016-08-28
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I refinanced my vehicle loan through my bank ( University XXXX Michigan XXXX ) after my loan went into collections with my initially loan company ( Santander Consumer ). I have since paid off the loan in its entirety but the company ( Santander Consumer ) continues to post a negative status to my credit report monthly causing my credit score to be affected negatively. I 'm currently in the process of purchasing a home and this is causing issues with my home loan. I have the documentation of the payoff amount and date is was paid but they still refuse to stop reporting to my credit report after multiple requests from myself and my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Account balance was approximately {$2100.00} as of XX/XX/2022. I made an online payment of {$500.00} on XX/XX/2022 to lower my account balance before the statement was generated on XX/XX/2022. The payment said it would post to the credit card on XX/XX/2022. The payment posted to my credit union checking account on XX/XX/2022. When I checked my statement it showed the {$2100.00} amount not reflecting the {$500.00} payment. I called Capital One and spoke with a representative and a supervisor. They told me they are having a system issue that is causing payments not to be reflective on statements. They dont know when this will be fixed. They said they are required to report accurately to the credit bureau, but they would not be doing so this month. They said I would have to call back after they fix their system and do an off cycle reporting. This seems like a violations of their legalities to customers and am I reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Suntrust Truist checking account has been blocked since XX/XX/22. I have no access to the funds in that account since that date. My pay direct deposit of XXXX from my employer XXXX was deposited on XX/XX/22. My account was positive ( not overdrawn ) at the time of that payroll direct deposit. 

I cant access that account. I can not withdraw or move funds, and my access to online/mobile banking is locked/blocked. I have had no access to {$1700.00} of my money ( from my pay ) for XXXX weeks! 

On XX/XX/XXXX, I visited the Truist Branch ( old XXXX XXXX XXXX branch ) in XXXX XXXX, FL ( XXXX XXXX XXXX XXXX XXXX FL XXXX ). Branch XXXX XXXX XXXX ( Phone : ( XXXX ) XXXX ) said there was a fraud investigation on my account and they could do nothing. She stated the investigation could last over 30 days, and that they ( Truist ) would determine if they wanted to keep me as a client or not. 

She gave me the number for the fraud department to call ( XXXX ) but I cant get through and I am not getting any call backs that I requested. I have called every day since XX/XX/22. In the past XXXX weeks, average wait time is over XXXX hours, and each time I get cut off. 

I have received no letters at all from Suntrust or Truist about an investigation, or time line of it. According to the Truist telephone banking information, my checking account is still open and has {$1700.00} in it, but I can not access it. I want to close my account, and take that money ( XXXX weeks pay from my employer ) to my new checking account at XXXX XXXX bank.

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 2021-11-26
Company: Atlantic Recovery Solutions LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Atlantic Recovery Agency has been harassing my family.They call different people I know and is extremely rude and aggressive. They also call from a regular phone ( XXXX ) or a ( XXXX ) number but when they leave a voicemail they have us call back a ( XXXX ) number. I was supposed to be receiving a email or a letter with the XXXX collection information, and have yet to receive it. But Theyre constantly calling me I get at least 15-20 calls a day from these people

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Green Square Company 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:
XXXX XXXX and Government Agency regarding my deceased mom Government funds continually deposited into my mother 's account after she passed away ( four years ago ). Government sent reclamation, bank has not returned the funds, money is in account and always has been. Government has deposited, withdrawn, and re-deposited funds continuously. I have been told it is my problem, not the government or the banks! I DO NOT HAVE THE FUNDS, the bank is holding them, why do n't they return them???? I have now been turned over to collections, the amount now due is up about XXXX to XXXX XXXX ( fees, interest etc. ) They have also turned this over to my credit history. I have been called and threatened with arrest, garnished wages etc. I DO NOT HAVE THE MONEY, NEVER DID, I AM NOT ON THE ACCOUNT, HOW IS THIS MY DEBT? There is no missing money, it is in the account which I have no access to. It is not really a debt since the bank has not returned it, how is this my debt? I must emphasize to you, the money is in her account, I ca n't get anyone to resolve this. I am now facing legal issues ( and expenses ) for a problem not mine, not created by my mother or myself. We have XXXX huge agencies who have failed to do their jobs and I am being harassed and threatened for money that has never moved except for the government taking it and putting it back. Who is responsible for these transactions, not me. Why has this gone so far and for so long, seriously, how is this even possible. Please help me to resolve this and to have my credit restored. I continue to be humiliated, defamation of character, embarrassment, threatened and the mental stress of this has gone beyond imaginable. Someone please resolve this, I do not know what else to do.

Company response to consumer: Closed
Consumer complaint received 2016-08-16
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage servicer keeps contacting me to say that I owe them more money, after I have already sent in my payment. But they unable tell me why I owe the money or how many days were included in the compounding of the interest rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To whom it may concern i having a major issue with The reporting Agency Experian with violating my rights when it comes to following the fair credit act. i requested my credit report i received it i saw things that was n't correct so disputed them in a dispute letter online and through the mail. I request them to provide all original applications in my credit file verifying all claims of debts with my wet ink signature no copies thats not verifying according to the fair credit act section 609. they havent provided me with any documents they have completed my dispute all they remove was XXXX credit cards and updated all the other unauthorized accounts.

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 2016-10-31
Company: Commonwealth Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XX/XX/2016, I contacted XXXX XXXX with Commonwealth regarding a medical bill from a car accident that is still in litigation. I provided my attorney contact information and the Insurance contact for the Responsible Party. XXXX XXXX was rude and unprofessional threatening me with bad credit if i did not pay debt that i am not responsible for. XX/XX/2016 I reviewed my credit report the debt has been reported inaccurately. 
I spoke with XXXX XXXX XX/XX/2016 again to only be disrespected, threatened and lied to regarding my account. He also stated he did not report my account to the Bureau. I am in the process of purchasing a home and this has placed me in a very difficult financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Shellpoint Partners, LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Servicer has been avoiding compliance with XXXX guidelines and CFPB rules for proceeding to a foreclosure sale when a loss mitigation application is still pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
I submitted a request to update the credit limit on a specific account to Equifax. According to the lender, XXXX XXXX XXXX  ( aka XXXX XXXX ), Equifax reported the account as FRAUDULENT. I simply wanted the credit limit to be reflected accurately and Equifax reported the account to the lender as fraudulent. Because of this inaccurate fraud report, the lender closed my account. This was an account on which I had never been late and had recently paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Accepted a 0 % APR FOR 15 months on balance transfers and purchases. The paperwork and card came in the mail with 0 % APR for 15 months on balance transfers and purchases. Called Capital One on XX/XX/XXXX and talked to agent to do balance transfer, was told I did not have a balance transfer offer. I could purchase with a 0 % APR for 15 months, but not do a balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: TMX Finance LLC
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
I dealt with the general manager regarding a loan of {$800.00} and my car as collateral. My account was past due and I had been unable to make payments. He gave me to choices to resolve the issue : either pay payments on the debt or let them pick up the car. I was only going to let them take the car if it fulfilled my debt obligation to them and the account was closed. XXXX XXXX assured me that was going to happen. What he did not tell me, was that the account had already been charged off and there was no collection agency ... the account was already closed. He deceived me into giving up the car instead of making payments. After all, how could he accept payments on a closed. 2 months ago a girl called me from Instaloans informing me they sold the car and I still had a balance. I said that was impossible due to the multiple conversations that I had with XXXX XXXX. After reviewing the notes on my account, she said " No, you are right, there is no balance and the account is closed. After reviewing my credit report, I found that it is posted as a charge off. I wanted to make payments if the debt was not settled correctly. I did not want any negative marks on my credit. This was a complete deception from this company, who says they are their own collection agency. XXXX XXXX as of today XXXX/XXXX/16 says that he ca n't help me. He said the car was sold for {$170.00}! The car was in the same condition it was in when I got the loan!! How can this happen??? XXXX XXXX 's boss XXXX XXXX seems to think this was fair business practice. I have no doubt they are having other issues within this company. I wanted to pay my debt, not be taken advantage of. Any help in dealing with this company is appreciated before they are able to take advantage of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Attempted to get my free annual credit report from XXXX for more than 2 months now. Experian still does not allow that website access. 

**WEBSITE QUOTE** We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **END QUOTE** I have gotten this same message for too long. I thought that it was the law that this information is made available to consumers and that this website is where we are supposed to go to get this information.

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