BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: Santander Consumer USA Holdings Inc.
State: WA
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:
On my XXXX  report there is a closed account with huge amount of missed payments. SANTANDER CONSUMER USA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Currently have a HAMP mortgage with Di-Tech Financial, LLC. ( Acct. # XXXX XXXX Di-Tech so far has only processed and paid {$1000.00} of the promised HAMP incentives of {$10000.00}. ( XXXX {$1000.00} payments and XXXX {$5000.00} payment on the XXXX Anniv..date of the HAMP modification. ( XXXX. XXXX ) I believe this is due in part to Di-Tech 's failure to timely submit the required documents to the US Dept. of the Treasury. 
XX/XX/XXXX, I received a letter from Di_tech informing me I needed to return the Dodd Frank Certification Letter to apply for the one time principal balance reduction of {$5000.00}. I uploaded the Form XXXX and a Quit claim deed from my Ex-Wife on XXXX XXXX, XXXX. Since the XXXX form required both buyer and co-buyer signatures. 
I then contacted Di-Tech Customer Service to inquire about the need for my Ex-Wife to sign the XXXX Form. At first, they stated they had all documentation that was needed. Later I called again after not receiving any confirmation. I was transferred to Di-Techs Loss Mitigation Admin. that told me they did not have the documents needed.. On XXXX XXXX, I uploaded my Final Judgement and Decree Of Divorce as proof my ex and I Divorced in XXXX. The {$5000.00} was supposed to be posted to my account in XXXX XXXX. I have called Di-Tech 's Customer Service many times and asked if they had enough Documentation to proceed and submit to the US Dept. of the Treasury. 

In my latest conversation with Di-Tech CS, I talked to XXXX XXXX from XXXX Fl. about the situation. She located all uploaded documents but did not know why they have n't been submitted to the proper agency for processing. She also explained that there where supposed to be XXXX ( XXXX ) {$1000.00} payments and the {$5000.00} payment as part of the HAMP incentives. .. According to my account payment History, only XXXX ( XXXX ) {$1000.00} payment was made on XXXX XXXX, XXXX. So ( XXXX ) {$1000.00} & the one time {$5000.00} payment remain to be paid. 
Please see the XXXX supporting documents that have been uploaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are XXXX and XXXX, A new company, Ditech has bought our mortgage from Greentree. Since then they took extra money held in our escrow acct. that should have stayed there to pay our Property Tax and or our Mortgage Insurance and sent us a check. We did n't realize that this would put us behind later on. Now they have raised our monthly payment. To make matters worse we have sent them More than enough extra money in the last 3 to 4 months to put in escrow to take care of the shortage and hopefully LOWER our monthly payments!! NEITHER HAS HAPPENED AND THEY DO N'T SHOW THE EXTRA MONEY WE PAID ANYWHERE ON OUR STATEMENTS!!! IT 'S AS IF THEY HAVE JUST POCKETED IT!!! NUMEROUS CALLS TO THEM HAVE HELPED!! 
WHAT CAN WE DO? WHO CAN HELP? DO WE NEED AN ATTORNEY OR CALL THE LAW IN AS IT SEEMS LIKE WE ARE BEING EXTORTED!!! 
PLEASE CAN YOU HELP US???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: ECMC GROUP, INC.
State: AK
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
i fell behind on my private student loan, but for XXXX yrs i was under an agreement to make {$260.00} a month payments. i recently completed this agreement, but was met with harassment and belittling comments from a manager at Premier Credit. Berating me because I can not afford to increase my monthly payments and was met with resistance to continue payments like i currently am. In XXXX 2013 they offered me a deal to settle my account for XXXX, but now they are telling me i 'm 16 months behind and our threatening to take more income that i do not have as i 'm a mother of XXXX and a full time student. i am more than willing to continue payments to bring my account to zero, but this company is not willing to work with someone on a limited budget and even insulted the fact that i was on a limited budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: OLIPHANT FINANCIAL, LLC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Was not contacted 4 years later about some private loan I supposedly took out and they are trying to collect it. I keep trying to call XXXX college but they keep giving me bogus numbers where nobody answers. I called the collection agency to get some information and they will not give me any info at all. They said call XXXX college but again this gets me nowhere with bogus numbers where noone answers or hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Innovis
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received a letter from Innovis Consumer Assistance stating that they received a report in the last 12 months that has added negative information to my file or that contains 8 or more credit inquiries. 

I have n't had any new credit checks and I monitor my credit score regularly. Their letter also states I can obtain a copy of my consumer file. I do n't want to give this unknown, seemingly untrustworthy agency my private information based on a false claim about my credit report. I believe they are phishing and so do a ton of other people who have received similar letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, CAPITAL ONE AUTO FINANCE and XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Debt Recovery Solutions, LLC
State: FL
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:
Debt Recovery Solutions reported to the credit bureau that I owed {$380.00} from a past XXXX bill. XXXX claims that I do not owe anything. Debt Recovery Solutions contact phone number does not work to try and call to dispute. When researching the company, they reported false claims to the credit bureau multiple times.

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 2015-04-27
Company: M.A.R.S., Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Tried to call company and ask for information about debt. Caller took down my information and explained to me the debt which was fine. Then I started asking credit information as far as will it be removed from my credit report once it is paid. She told me that they made several attempts for me to pay the debt and I would not so therefore they are not going to take it off my credit report even after I pay it. I told her, I never heard of that, usually if you pay it they will take it off your credit report unless it is public records. She said I need to do my research, got mad at me for disputing what she told me and hung up on me. So I called back to try and talk to another rep. I explained to her what had just happened and she was being just as rude and told me the reason why she hung up on me is because They Are Busy. I told her they are rude and do not worry about it and I hung up. Then I called back just to get the company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: CT
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 requested of investigation due to a inaccurate information been report in my credit profile this company is allowing without any investigation, i have not received any proof of their investigation they have not take my requested seriously as they should by law. This company is violating my rights

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 2015-12-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The purpose for my complaint today is because I have tried to log in to my lowes account online and it is not allowing me to log in. I called in and spoke to a representative in the fraud department whom then sent me a code to my home phone number and verified that it is me. She proceeded to tell me that my account was triggered due to my recent address change. She then explained further that some aspect of the account sent my account for management review and that there is nobody that I can speak to call back in 1 week. I find this situation to be ludicrous due to me being a lowes credit card customer since XXXX of 2014. I have never been late on my account and have not gone near my credit limit. I proceeded to ask for a corporate number and was told there is no such number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I incurred debt on a WalMart Mast Card. I have financial difficulties and XXXX XXXX XXXX , XXXX set up 6 months of payments at {$150.00} per moth for 48 months. They made me do this via automatic withdrawal from my bank account. I have to re-set this up every 6 months with new check numbers. Last month they took the {$150.00} with chk # XXXX. Then 3 days later they took another {$150.00} without my permission from WalMart ACH online. I repeat, I did not do anything online. I called my bank and filled out a form and I got my {$150.00} back. Now for this months payment on XX/XX/XXXX they took out {$150.00} again and it says WalMart MC ACH. There was no Chk # XXXX. So yesterday, I called the number given to me and after speaking with XXXX people I was told that my amount due was paid in full for this month and it should be fine. So, today I went online to my bank and saw that I was charged {$30.00} for NSF because they tried to take out another {$150.00}. After a long conversation with my bank. I decided to go ahead and pay ( the bank ) {$20.00} to stop them from trying to take Chk # XXXX again and another {$20.00} to stop future WalMart MC ACH withdrawals. I then called The WalMart MC Customer service number on the letter I get each month. and all the girl kept saying was that I was not enrolled in their automatic withdrawal. I then was transferred to another guy and I explained this all over again and he eventually put me on hold for a while. While on hold, the phone was picked up at two different times and they ended up hanging up on me! I am very frustrated. Each and every time I call they say that it is recorded for debt collection purposes. Is there some way I can be helped. I do not want to pay extra money that I do not have.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2016-01-10
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
Around XX/XX/XXXX or XX/XX/XXXX I paid off my Barclay Card for almost {$3000.00}. I called the company to request that they close my account. The agent that I spoke with stated that they would not close the account unless I provide information that I had no access to. I never got a billing statement again from the company. In XX/XX/XXXX I received a phone call from the company stating that I owe {$3300.00} ( appx ) and that I need to make payment. I told the company that the cards were destroyed and that I requested to have the account closed prior and that I was not responsible for the charges. I told them that there must be fraud on the card and was transferred to a fraud agent. The agent told me that he would accept fraud and close the account, and credit everything on my bill. About a hour later the same agent called me back and stated that he was refusing to accept fraud because some of the charges that occurred after I destroyed the cards were at the same merchants that I shopped at prior to requesting the account be closed. I also have accrued about XXXX in late payment and interest charges but was told prior to closing my account that i would never accrue for any reason any late fees or interest charges until XXXX 2016. 
I reviewed a billing statement that I had to have a co worker get online ( because the company is refusing to provide me with requested documents ). Upon reviewing them I noticed not only were there several charges that were at merchants that I did not go to, but there were several duplicate charges on the bill. I have printed out the statements and hand wrote notes on them and will include a scanned copy of the statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased XXXX airline tickets on XX/XX/XXXX at XXXX, i was paying for those tickets XXXX XXXX, the conversion rate on that day for XXXX US dollar was XXXX according to XXXX XXXX, the following day XX/XX/XXXX the rate for XXXX US Dollar was XXXX XXXX, when i got my statement in the mail I got a whole different picture, the credit card company postponed the transaction for almost a week making the transaction date for XX/XX/XXXX and the posting date for XX/XX/XXXX, the conversion rate on XX/XX/XXXX was XXXX XXXX for each US Dollar, this made the total charge to go up from {$2000.00} US Dollars to {$2500.00} US Dollars, I contacted the merchant addressing my concern about the date difference and they sent me in an email with all transaction information which clearly shows that the transaction was made on XXXX XXXX which supposed to making it post on XXXX XXXX, I contacted Barclay 's Bank and they instead of fixing the issue files a dispute against the merchant which I never asked, the merchant replied with evidence showing that I authorized this transaction which is true, in their evidence they show the authorization details and there it also says that the transaction was made on XXXX XXXX, Barclay 's Bank accepted the merchants rebuttal and returned the charge to my credit card, I wrote back to Barclays Bank explaining my problem that I am not disputing the merchant but requested the I should be refunded the difference of the XXXX rates which comes out to about {$450.00} US Dollars, they denied my request saying that they ca n't further assist me with this issue, I called up Barclays Bank and they said there is nothing I can do to fix this issue and they refused to refund me the difference between the XXXX amounts. 
I paid for the transaction because I did n't want to hurt my credit history, I never agreed to the full amount of the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
Synchrony Bank ( Wal-Mart ) is the subject of this complaint. On several occasions ( all calls were recorded on my end, in consideration of Missouri law ), Synchrony Bank has received payments, collected the funds and then not applied them to my account. Eventually, after a week of ( post collected ) funds they will post it, but not apply it to the available credit. They say, that they do not like that I make multiple payments per month to pay down the account. I pay the account in several installments to avoid accruing interest. I will be charged interest on funds they received and have collected, even though they have received the payment. There has never been a later payment. There has never been an over the limit situation, there has never been a returned payment. My account is also on auto pay in addition to what in addition I pay each month. Usually, about XXXX to XXXX payments each month, depending on my income for that month and how much the card is used. I pay all of my credit the same way, no other financial institution has an issue with how many payments are made each month. The goal of synchrony is to unlawfully collect interest on a debt based upon the unpaid daily balance in-spite of having the payment from the consumer and thereafter having evidence the payment cleared and still collecting interest unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have just been notified that my Care Credit card ( Synchrony Bank ) has deferred interest of 26 %. I have been paying over my minimum for the last year and a half and to my dismay my " promotional purchase '' expires next week and i will be slapped with an additional {$600.00} in interest and the following month another {$300.00} for interest alone. I am completely confused by this and tried to transfer the balance to a lower apr credit card, but Care Credit denies such transfer. This is unethical. Please help!

Company response to consumer: Closed with monetary relief