BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-23
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander Consumer USA has recently started reporting on my credit reports that I have a past due balance of {$11000.00}, which is not true. Santander financed a vehicle for me in XXXX XXXX for around {$14000.00} plus interest. Santander repossessed the vehicle around XXXX XXXX XXXX. I contacted Santander the day the vehicle was repossessed and advised them that I needed to get my property out vehicle and also I wanted to know the past due amount and information on the repossession. The rep for Santander advised me that they had no information about my vehicle being repossessed and stated that, if the vehicle was repossess I would received a letter in the mail letting me know what I needed to do to get the vehicle back. Also the rep stated that getting my personal property back was a private matter between me and the towing company. I never received any letter or any further communication since that call in early XXXX XXXX. I found out about a month later from the repo company that vehicle was sold at auction and I was out of luck on my property. Fast forward to XXXX XXXX, I pulled my credit reports and to my surprise, Santander is on my credit report claiming I owe them {$11000.00} for a vehicle they repossess? Which they make no mention of the repossession on my credit report they simply just state the account was charged off. The original finance amount of the vehicle was approximately {$14000.00}, plus interest. I called Santander on XXXX XXXX XXXX to request information on this, to see how was it possible I would owe {$11000.00} on a vehicle that cost {$14000.00}, and was sold at auction and was advised they sold my vehicle at auction for about {$6000.00}, and the {$11000.00} is for the daily interest they are charging on the past due amount! How can I have a past due amount? Well Santander has been charging me {$420.00} a month since the repossession! First, they have no right to charge me interest or anything else after they repossess the vehicle without a court order in the state of North Carolina. Second, they never notified me after the repossession to advised me of the amount to get the vehicle back or the auction date. That is also required under North Carolina law. Third by not contacting me thru this entire process, they have denied my right under collection laws to dispute the amount they are reporting I owe to credit reporting agencies, the reporting is a form of collections which is also against North Carolina law without a deficiency judgment giving Santander the right to collect the debt they are claiming. I 'm looking for help to resolve this matter because I can not get anywhere talking with Santander directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am demanding that XXXX XXXX XXXX acct # XXXX be immediately deleted from my consumer report. I have documentation ( attached ) that XXXX XXXX XXXX requested a removal of this account from my consumer report with the consumer reporting agencies they report to. This request was made on XX/XX/2021 and it is a month later and this account is still showing up on my report. This account updates the first day of the month so there should have been plenty of time to handle the request and delete this account from my consumer report. This is totally unacceptable and will not be tolerated. I am requesting immediate deletion of this account from my report upon receiving this complaint and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2020-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I CLOSED MY ACCOUNT MORE THAN 4 MONTHS AGO. I OVERPAID MY ACCOUNT BY {$51.00}. I WAS TOLD THAT THEY WOULD ISSUE A REFUND WITHIN 2 BILLING CYCLES. I CALLED AND SPOKE TO A REPRESENTATIVE IN XXXX AND WAS TOLD I WOULD BE REFUNDED THE OVER PAYMENT WITHIN 90 DAYS! THAT WAS A LIE! I CALLED TODAY AND SPOKE TO ANOTHER REPRESENTATIVE AND WAS TOLD THAT THE REFUND WOULD BE ISSUED AFTER 4 MONTHS! ANOTHER LIE! I HAD BEEN A CUSTOMER FOR OVER 30 YEARS AND HAD TWO CARDS. I CANCELLED BOTH CARDS BECAUSE THEY OUTSOURCE TO XXXX AND THAT REPRESENTATIVE WAS RUDE, ARROGANT AND DID NOT UNDERSTAND ENGLISH! I WAS ATTEMPTING TO ACTIVATE MY NEW CARDS THAT WERE SENT TO ME. I WAS NEVER LATE ON ANY PAYMENT AND PAID PRIOR TO THE DUE DATE! THE XXXX REPRESENTATIVE ASKED ME FOR ALL MY INFORMATION INCLUDING A PICTURE OF MY DRIVERS LICENSE BOTH FRONT AND BACK. HE WAS ABLE TO SEE THE FRONT AFTER I TOOK SEVERAL PICTURES BUT AFTER 20 ATTEMPTS FOR THE BACK SOMEHOW HE WAS UNABLE TO SEE OR MAKE IT OUT! I FELT IT WAS A SCAM SO I TOLD HIM ( XXXX? XXXX TO CANCEL MY CARDS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: IL
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:
DEPT OF ED/XXXX- Account number XXXX ( XXXX XXXX  ) - ACCOUNT NUMBER XXXX These two accounts are involved in LITIGATION. It is reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX  and XXXX have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I discovered over 80 fraudulent checks that were written by my ex wife and her family out of my checking account with PNC bank. I brought this to the bank 's attention and got the runaround for months. At the end of their investigation I was told there was nothing they could do to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received a letter from Citi XXXX XXXX  XXXX XXXX XXXX, SD XXXX stating that I was incorrectly charged XXXX on my citi cash returns world master card account and that I would be receiving a check in that amount in 14 days. The check did not arrive in XXXX so I called and was told it would be taken care of within 2 weeks. The check did not arrive within 2 weeks so I called again and was given the same message. By early XXXX the check still did not arrive so I called and asked for a supervisor who assured me that the check would arrive in 2 weeks. It is now  XX/XX/XXXX and there is no check. The 800 number on the letter and credit card is 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 2021-11-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient says that I can lower my payment from {$300.00} to {$25.00} per month based off of the Income Based Repayment Plan however, when I go to the Federal Student Aid and, talk to the people there, they say that I dont have any loans so, I can not do the income based repayment. I have been going round and round with Navient but, they will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: TN
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:
I contact XXXX on XXXX XXXX, XXXX, equifax and XXXX  concerning inaccurate information on my credit reports. I sent letters on XX/XX/202 and XX/XX/XXXX, XXXX the first letter noone sent anything and the second letter they said they verified the information and didnt send any proof of verification as requested. This inaccurate information from XXXX on XXXX XXXX is affecting me and i need them all to remove the account immediately off my credit reports.This complant that XXXX on XXXX XXXX, XXXX, equifax and XXXX allegations are not within the accepting standards of reporting law and they are compelled to eradicste by deletion of any adverse indicatoer pr demonstate physically vertifiable eveidence adequateky validated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: AR
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

ACCEPTANCE NOW XXXX {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I contracted XXXX and was hospitalized for 3 months where I battled the XXXX and almost XXXX. Because of theXX/XX/XXXX I was out of work and fell behind on my mortgage payments while I suffered from residual affects of XXXX. I went through the cares act Covid-19 forbearance with SHELLPOINT MORGAGE SERVICING for 12 months. In XXXX of XXXX SHELLPOINT MORGAGE SERVICING agreed to a mortification of my loan. I began my trail payments of {$1600.00} onXX/XX/XXXX, and I made all my payments on time each month for the 6 month trail ending in XXXX XXXX. I even made an extra payment of {$1500.00} and {$150.00} and XXXX because SHELLPOINT MORGAGE SERVICING said I was behind and they just held the money in unapplied status to my loan even as of today. I then received a letter on XXXX saying that I am not eligible for the loan modification because I withdrew my request for a loan modification before the evaluation process was completed, which is totally untrue I never withdrew from the modification process. 

SHELLPOINT MORGAGE SERVICING is FRAUDULENT because they lied and said they did not receive my payment and held the funds in unapplied status. 

SHELLPOINT MORGAGE SERVICING is DISCRIMINATORY because the lied saying I withdrew from the loan modification process which I did not because I am an XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2017-06-30
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems a re reporting to  XXXX  that I owe a balance of {$250.00} for  XXXX   XXXX  showing that this was reported  XXXX   XXXX ,  2015 . However I have current service with  XXXX , and have been well before that date.   I do not have an account at the address that is attached to this collection. I have an active account with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency XXXX unable to get little to no information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX and XXXX, I purchased {$3200.00} of flooring to install in my home. The agent did not allow me to inspect the products, but assured me that the flooring  would look like the samples in store and online. The products were delivered to my home and left outside in the rain when I was not present, on XX/XX/XXXX. 

I called the merchant the next day to complain that the goods did not match what was in the store or online. They admitted that the photos online are photo shopped, and offered to refund the products but not the return shipping cost. I said that was unacceptable, and that I would open a dispute with Visa. 

I spoke with an agent for my Chase Sapphire account on XX/XX/XXXX. She took my details and said that I didn't need to worry, they had everything they needed. 

On XX/XX/XXXX, I was sent a paperless notification that Chase needed more information. I was not notified of the message by email, but only saw it when I was checking my account balance. 

On XX/XX/XXXX, I spoke to a Chase Sapphire customer service agent. I submitted my email correspondence with the merchant, indicating that the products could be returned. I was again told that Chase had all the necessary details and that my account would be credited. 

I heard nothing from Chase at all. I called today, XX/XX/XXXX, and was told that the dispute had been closed on XX/XX/XXXX. I never received any indication of this. 

I am now worse off than if I had called Chase. This should be resolved, and Chase should be admonished for its misleading handling of a customer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX the company ARS RESOLUTION SERVICES responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service.the response of the company is a dispect to my rights as a consumer, the company response as : Our response remains unchanged.by this being stated, ARS RESOLUTION SERVICES has accepted all liabllity by NOT providing with the documents to verify this dent under fdcpa..I NOW WILL BEGAN TO START MY FEDERAL LAW SUIT UNDER MY RIGHTS AS A CONSUMER AND UNDER United States Court of Appeals , XXXX Circuit. 
XXXX XXXX, Appellant, v. XXXX XXXX XXXX. 

XXXX. 
Decided : XX/XX/XXXX and IN THE UNITED STATES COURT OF APPEALS FOR THE XXXX  CIRCUIT No. XXXX XXXX XXXX, Plaintiff-Appellant, v. 
XXXX XXXX XXXX  XXXX, et al., Defendant-Appellees. 

ON APPEAL FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEVADA this company has continued to violated my right under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regards of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the THIS IS A HIPPA VIOLATION, NO RELEASE FORM HAS BEEN SIGNED BY ME THE CONSUMER UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) 15 U.S. Code 1692c - 15 U.S. Code 1692e

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NC
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:
I, XXXX XXXX, am a consumer, a natural person. I am demanding notice the CRA 's and the following companies broke the law. 

1. I have been denied credit for a home twice ; because of this my family may be homeless since you refused to remove these items from my credit report.

2. Your are reporting falsely to my credit report that I have been late from the following companies - XXXX XXXX XXXXXXXX XXXX and XXXX, XXXX is reporting me late and there are no such thing as late payments on open ended credit plans. 

3. You have failed to remove these accounts after my previous attempts of communication with your company after my right to privacy ( 15 USC Code 6802 ) has been violated and you have no proof or validation that I was late on any payments. You have also participated in unfair practices by being one sided with the companies and not the consumer.

You have violated my right to privacy and defamation of character by providing me with deceptive forms and reporting negatively to my credit report. I have disputed this account before and nothing was done about it. The company XXXX XXXX, XXXX ( Acct # XXXX sold the debt to XXXX and XXXX and you are falsely reporting this on my credit report since this account has been charged off and there is still an balance on my report. 

I have attached the following files for your review pertaining to this compaint showing that I have been denied for credit for a home through XXXX XXXX XXXX. Also I have attached XXXX still being on my credit report after they charged it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
LENDER NOT RELEASING THE LIEN AFTER MORTGAGE PAID OFF : I had a mortgage on my property at XXXX XXXX  XXXX XXXX, XXXX, Florida, that was serviced by SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX. Phone ( XXXX ) XXXX XXXX My Loan # XXXX I paid off this loan XX/XX/2022 and this was acknowledged by them. However till today XX/XX/2022 I have not received Satisfaction of mortgage or the lien release recorded with the county. I emailed numerous times and was told up to 2 months from pay off which was XX/XX/XXXX. 

Can you please get them to release the lien and send me the Satisfaction. 
Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation