BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/XXXX I purchased a new vehicle and terminated my lease with XXXX XXXX through a dealer pay off. The pay off amount was XXXX. After a while of driving my new car i noticed that the original lease with XXXX XXXXol was still showing as active. I called them in XXXX and was told that they see how the payment was applied wrong and they would fix it. I then received a bill from them in XXXX about the lease. I call them again and they inform me that they would be able to fix it as it was just a late fee because the payment was n't applied properly and they would also fix that to close out the lease. I totally forgot about it until XX/XX/XXXX when I receive a collections call because I now owe them XXXX. I spoke to a manager at this point by the name of XXXX XXXX who told me he would contact me within 24-72 hours. I received no phone call as of XX/XX/XXXX. At this time i decide to call back and see if I can get this issue resolved. I speak with a manager who seemed to be more interested in transferring me to an escalation manager by the name of XXXX. She was absolutely no help as she did not know how to fix the issue or anything. I then get transferred to XXXX XXXX who is with the office of the chair and still no resolution to the problem. I have asked for their NMLS number and was refused it. At this point I am at a total loss of what my next course of action should be. I have now had this on my credit report for one year negatively affecting my credit and it looks like there is no resolution to be had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Multiple Debt Validation attempts were made to Affirm Inc in regards to the following accounts : XXXX XXXX XXXX XXXX Affirm Inc has been notified via dispute of identity theft and explained that the merchandise bought and sent to the address provided to them was never an address of mines nor the vehicle was ever owned by myself and have yet to legally validate the debt. If Affirm did a proper and thorough investigation then the evidence would clearly show this is a case of identity fraud. The reporting on my consumer report are illegally hurting my consumer account. 

These account reports are Violations of the Fair Credit Reporting Act, Violations of the Fair Collections Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Apparently someone opened a new checking account fraudulently using my name and social security number. the bank will not provide me with any information and will not close the account unless I complete a fraud package. 

I have a credit freeze with all three major credit bureaus and this bank should not have opened an account and now they are refusing to close it unless I complete their paperwork. 

They also will not disclose any information regarding the account to me and I have no way of knowing if I have been harmed in any way from this fraud. 

The name of the bank is Suncoast Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received notification of the bill in the mail. I paid XXXX XXXX XXXX XXXX  XXXX XXXX  {$480.00} bill in full via credit card by mail. The charge cleared my account on XX/XX/XXXX. Subsequently I received a bill from a collection agency XXXX XXXX XXXX representing the XXXX XXXX XXXX XXXX XXXX XXXX  demanding payment in the same amount of {$480.00}. I paid this amount also via electronic check which cleared my account on XX/XX/XXXX. On XX/XX/XXXX I received an alert from Experian stating that my account had a negative remark. Upon review I see that there is an entry for XXXX  XXXX XXXX  {$480.00} in collections reporting as outstanding. I DISPUTED THIS ERROR ON XX/XX/XXXX with Experian. On XX/XX/XXXX Experian FINISHED the investigation and reported no change. This false entry has caused my credit score to plummet close to XXXX points. I reached out to the collection agency and was advised that they would look into the duplicate payment. They said that the entry would be removed however they have not. This one Account I paid twice is on my credit report twice negatively. Once as XXXX XXXX  XXXX XXXX. Same account shows up as XXXX XXXX XXXX XXXX. The collection agency. Both have been paid. Both reporting delinquent and negative for years now.

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 2022-04-30
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX ) Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
1. From XX/XX/XXXX to XX/XX/XXXX, my card shows fraudulent charges. 2. The card is cancelled by Bank of America ( BoA ) and all the charges are reversed. 3. On XX/XX/XXXX and XX/XX/XXXX - BoA charges 50 and 250 dollars of these fraudulent charges back to me stating that their fraud department believes that these are genuine charges and not fraud charges. 4. I call them up on XX/XX/XXXXand argue that these are not transacted by me and BoA says that they will reopen the case and it will get resolved in 5-6 weeks. 5. I check my online account on XX/XX/XXXX, 9 weeks after my discussion with BoA consumer service and Fraud Department, the charges are still there and nothing has happened. I call the Fraud Department and they say that it takes 2 billing cycles since by request to resolve a case. First they say that it will be end of XX/XX/XXXX, but after I calculate the exact billing cycle end it turns out it will be XX/XX/XXXX. 6. Based on my discussion, I do n't think they will do anything.
7. This is a case of an ineffective fraud department.
8. I would like CFPB to help me resolve this.
<P/>
Thanks.
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 monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: FL
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 C/O XXXX XXXX XXXX XXXX SC XXXX XXXX Opened date XX/XX/XXXX last activity XX/XX/XXXX account # XXXX collection/charge-off in the amount of {$1100.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15U.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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX account # XXXX amount {$580.00} open date XXXX XXXX last activity 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 non-monetary relief
Consumer complaint received 2017-11-09
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After months of requests to ICS, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX, WI XXXX phone # XXXX ( XXXX ) XXXX open date XXXX XXXX last activity XXXX XXXX collection/charge-off in the amount {$580.00} account # 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 non-monetary relief
Consumer complaint received 2017-07-03
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rash Curtis and Associates improperly reported a debt on my credit report to XXXX. I have never sent me an itemized bill for the debt they are claiming I owe XXXX XXXX, who is a former landlord of mine. In their correspondence they also never sent me information about what to do in order to dispute this debt. When I called on XXXX XXXX XXXX I requested an itemized bill and the contact information of the original debt holder, XXXX XXXX. They said they could not provide either. I insisted and they said it may take up to 2 months to get the itemized bill but that they most likely no longer have it. They said they were not authorized to give me XXXX XXXX ' contact information. Since there is not a record to verify the debt or amount and no way to contact the original debt holder it is improper that they reported this to a credit bureau. I wish to have the debt removed from my credit report immediately. <P/>XXXX indicates a negative account with XXXX XXXX XXXX It is listed as : Opened XXXX Last effective XXXX Reported XXXX High balance {$6600.00} Collection XXXX Balance {$9300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the US Bank mobile app, I selected the due date of Sunday, XX/XX/XXXX, as the payment date. The funds were withdrawn from my credit union bank account Mon, XX/XX/XXXX. US Bank charged me a {$45.00} late fee for the {$45.00} payment. It is nonsensical to me that US Bank 's app would allow me to select a payment date for an online payment where they know banks will not process payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX, IN on Tuesday XX/XX/XXXX. I had an appointment at the dealership to test drive the vehicle and have my trade evaluated. I had quite a bit of positive equity on my trade so I decided to do the deal.

The dealer came back with a 60 month financing approval but I wanted 72 months. The bank then found a lender that would finance my truck on 72 months. Westlake Financial was the company and I am a paid in full customer of theirs. I decided to accept their terms.

I received a welcome call from the finance company about a week and a half after the purchase that covered my payment, due date, etc.

Around the 2 week mark I received a call from the dealer letting me know that Westlake needed additional documentation and more  money for the down payment. Granted I put down over XXXX from the equity of my trade. I told them I wasnt giving them any more money but I would provide the documents.

I called Westlake customer service on Tuesday XX/XX/XXXX to figure out why it has taken 2 weeks to underwrite my loan. The customer service representative was able to transfer me to my actual underwriter. I spoke with her and mentioned my displeasure with the situation. She asked me about a previous car loan that was paid in full, but was still on my credit report. I provided the documentation to the dealer to send to the lender.

I also have some concerns over the payoff of my trade in. I gave the dealer the 10 day payoff which is now expired because the bank it taking forever to underwrite my loan. Totally unacceptable.

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 2022-04-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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:
Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A Creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have tried to dispute with all XXXX credit bureaus multiple times each. I have reported to all XXXX bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so XXXX they didn't bother to verify anything? Now the burden lies on me and they are so XXXX they still aren't verifying anything despite it all being FRAUD. I need help.

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 2018-12-23
Company: Lendmark Financial Services
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Lendmark financials s XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: HUNTINGTON NATIONAL BANK, THE
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Huntington National Bank was the holder of our FHA Mortgage when we sold our house at XXXX XXXX XXXX XXXX. They held an escrow account for us. 

When we sold the house and used the proceeds to pay off the mortgage, we overpaid by {$2500.00} on the balance ( due to an automatic withdrawal for the monthly mortgage payment ) and our escrow account had {$5300.00}. We were told that two paper checks would be mailed to our new address ( since we had moved ) within three weeks. 

The checks never arrived, so I called Huntington Bank in XXXX to find out where they were and have them re-issued. The mistake was that they had been mailed to the address of the home we had just sold, despite being provided our new address. We are unsure why they did not get forwarded to us by the USPS. 

So, we waited three weeks and we only received the {$2500.00} check from them, which we were grateful for, but we then called them in early XXXX to have the {$5300.00} check reissued. 

We waited three weeks for this and nothing arrived. So, we called again - it had gotten stuck " in the process '' and was never mailed. So, they reissued it, and we waited three weeks, and when we received it, it was again the wrong amount of {$2500.00}. So I called in the middle of XXXX to have the {$5300.00} check reissued again. 

It is now the middle of XXXX and we have again received another copy of the {$2500.00} check. I have called Huntington Bank to have them find some other way of getting us this money. They refused to a wire transfer or some other electronic money transfer because we do not hold a bank account with them. After requesting to speak to a supervisor, I was placed on hold for over 30 minutes - at which point I hung up. 

Please help us get our money - we need this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been with PNC mortgage company since XX/XX/XXXX. The property is located in a town were USPS is not available all correspondence needs to go to a P.O. BOX. The mortgage company failed to inform me that my property taxes went up. I make mortgage payments trough my bank never been late since XX/XX/XXXX, The say since taxes went up they received my payments in a suspense account, reported we were making no payments to credit bureaus and ruin my credit, initiate foreclosure procedures and decided with out my authorization to do a loan modification. I found out because I was trying to apply for a 15 year refinancing that they were reporting me late. I lost the opportunity to refinance because of them! I call them and they argue they attempted to call me for a year, for some reason they had my internet phone number ( I only use my cell phone number ), they say they sent mail to the physical address but We do not receive mail to physical address because there is no mail in this town only P.O. BOX, they do not have proof they stamp a notice in my door, they did not e mail. They fail to provide any proof that they attempted to contact me for this problem. I have correspondence from them to my p.o. box and e mail for other issues. I have been with PNC since XX/XX/XXXXor before, every time We call them they verify our information so there is no excuse for them to argue they can not find us, we have Same phone number at list 12 or more years, p.o. box, e mail since XX/XX/XXXX, nothing have changed, they did a refinancing in XX/XX/XXXXand they sure had our information then, around XX/XX/XXXX we call them because the payment was late 1 day and they did confirm the information then. I want them to return everything back to my original loan, they are trying to convince me to accept the modification I did not authorized, I ALREADY TOLD THEM NO, I am not willing to modify my loan, start again and pay all late fees, administrative fees and all other trash fees they are trying to add to my loan. The WORST is that they decide for me to modify my loan, started the trial period and dispose of my payments WITH OUT MY AUTHORIZATION!

Company response to consumer: Closed with explanation