BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Other

Complaint:
I had a defaulted credit card with Wells Fargo in the past. In XX/XX/XXXX, I reached out to Wells and we reached settlement terms to resolve my outstanding balance. They agreed to settle my {$5600.00} balance for one payment of {$3700.00}, if paid by XXXX XXXX. I made the payment as agreed. Its now six months later, and Wells Fargo continues to refuse to update my credit report appropriately. Instead of reporting the account as settled in full with no liability, the are reporting that I still owe them money. I have disputed this account with the credit bureaus 5 times, but Wells continues to tell them I have an outstanding balance. I did my part, but they are not living up to their end of the settlement agreement.

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 2020-12-30
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I attempted to payoff this loan early for the anticipated payoff amount of {$6700.00} to the company ( Santander Consumers USA ) directly. However, when I attempted to pay this amount they refused to let me pay more than {$2900.00}, per transaction. When I spoke with a representative ( XXXX ID # XXXX ) I was advised that I could not pay off the total amount owed in one transaction, per a limit. I was advised that I would have to do multiple transactions ( 3 over 2 days ) instead of all as one lump-sum. I was forwarded to a supervisor ( XXXX ID # XXXX ) who also reiterated the same. This type of hassle is shady from a consumer standpoint, as well as seems to be circumventing regulatory reporting processes for XXXX. If I was a consumer and was committing these types of transactions it would be viewed, by most semi-intelligent persons, as an attempt to commit money-laundering and trying to avoid any type of list for going over a {$3000.00} triggering amount. Being that there was no Due Diligence question of the source of funds, this tells me that Santander Consumers USA is either avoiding Federal banking regulatory procedures, or is just plain lazy. Either way, there is no reason that a consumer should be required to make multiple transactions for a payoff. This gives MY bank due cause to question my motives and put me through a battery of unnecessary scrutiny, when I am trying to complete a legitimate payoff of a liability. When interest is accrued on a daily-basis, this is costing me more money to pay in multiple transactions over multiple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Perfection Collection
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Perfection Collections appeared on my XXXX XXXX and XXXX credit reports in XXXX of 2018 in the amount of XXXX. I disputed this item with the collection agency in XX/XX/2018 and requested that the debt be verified. I received nothing verifying the debt from the collection agency after writing them multiple times and giving them a call. The day I called the collection agency requesting debt validation, the rep continued to call my mobile number that day requesting payment and they have continued to do so. They have not responded to my request to verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Coastline Financial Resources, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
caller calls me at work from XXXX XXXX and gives a XXXX XXXX number to call regarding being served by uniformed officers regarding a legal case. no other information is given other than a case # and the name of coastline associates. when i look up the number they give to call i am finding scam alerts for credit card debt collection. I dont have any credit cards and i have never received any information by mail regarding debt collections

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My HSBC bank offers overdraft protection through a credit service affiliated with their bank HSBC Select Credit. In order to ensure the timely payment of my minimum monthly payment I agreed to the auto-pay feature of my bank account which would automatically debit and transfer funds from my checking account to make my monthly payment. Everything went smoothly. 

Several years ago I relocated from New York to Connecticut and my access to HSBC branches were greatly diminished, so this bank account became less and less utilized. 

XX/XX/2016 I was contacted by the bank that I had not made my monthly payment to the overdraft account. I immediately authorized the payment and when I asked WHY the autopay service did not transfer the necessary funds - the representative informed me that the autopay services had 'expired '. At that time I asked the representative if I could reinstate my autopay status - and she said " Yes. '' My autopay status was never reinstated. I was later told that this representative misspoke if she gave me the false impression that she was reinstating my autopay status. 

XX/XX/2016 it came to my attention that my overdraft protection account was now 60 days late - as it was reported to the XXXX major credit agencies and was now affecting my FICO score. I called the bank again and was informed that my autopay status was still not active! I immediately paid the entire balance due on my overdraft account ( over {$1000.00} ) and immediately additionally paid over {$5000.00} towards my HSBC credit card ( which was not late ) - as I now wished to CLOSE all HSBC accounts. I no longer feel I can trust them. 

Since this time I have endeavored to have the 60-day late indicator removed from my credit reports based on the following factors : I feel I was never adequately informed that my HSBC autopay service would expire. I was completely unaware that this service would, without making me aware, simply stop making my required payments. 
An HSBC representative clearly misrepresented her own ability to reinstate my autopay service, and gave me the impression that my phone intervention had solved the problem. 
I have paid HSBC over {$6000.00} as a good-faith gesture bringing all my credit accounts down to XXXX. ( please note I never missed a payment on my credit card - but paid this off as well ) The amount due on the missed payments to the HSBC Select Credit account was a VERY small amount of money. 
The amount of damage to my credit score is completely disproportional to the offense - given the small amount of money due - and will greatly harm me financially. 
There were CLEARLY miscommunications and circumstances attached to these missed payments. 

I am hoping that you can intervene to persuade HSBC to remove this one-time 60 late payment from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My bank HSBC has raised my fixed monthly mortgage payments over XXXX per month again without explanation. Fixed mortgage.Only thing I could get out of the many many phone reps i spoke to is my taxes and hazard insurance has gone up that much. NOT true-Increases amount to a few XXXX per anum total. I sent them ins & tax copies as I received from my brokers.HSBC left New York and I can no longer communicate face to face.When I paid the amount I had been paying every month they sent me a threatening collection letter demanding what they claimed I must pay.I filed same complaint vs. HSBC about a year or two ago and bank was forced to change my monthly billing back to correct amount. It 's extortion, I 'm a XXXX by the way but am helpless here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: LDF Holdings, LLC
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I obtained a {$1000.00} installment loan from Lendgreen. Per my agreement I am to make XXXX installment payments of {$300.00} to satisfy the loan effective XX/XX/2015. Upon checking my account Lendgreen withdrew {$380.00} on XX/XX/2015 causing an overdraft on my account. When I contacted them they stated the XXXX payment would be a little higher due to a certain amount needing to be applied to principle. Lendgreen also advised my loan would not qualify for any alterations to the agreement meaning I would not be able to postpone any future payments. For some reason I am also not able to access my original loan documents. The Lendgreen websijte continues to error out stating my computer is not compatable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Santander Bank has issued loans to someone else using my identity, I lost my wallet in XXXX several years ago and I have had several issues with ficticious accounts. I called them after receiving my credit report XX/XX/XXXX, and seeing this. Once I called they recorded my number and now they call me everyday on my new number. These account were opened in XXXX. I reside in XXXX. I even told them this. they said they would investigate however i just ran a copy of my report again and now it reporting as charge offs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have notified CCCS on several occasions that I do not owe to XXXX. They just refuse to dispute the debt on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My father has been in the hospital since XXXX XXXX XXXX unable to handle his finances. We called XXXX XXXX to gain access to his accounts with the Power Of Attorney papers which they would not accept over the phone. They required us to bring it and us to a bank branch with a notary in house. The closest one was 4 hours away so we left work midday on XX/XX/XXXX16 and after 4 hours we supposedly left there with the ability to log into www.wellsfargo.com and create a user name and password to handle my fathers accounts. Except the credit card they sent the paperwork to that department and said that it could take up to 4 weeks before we can access it. We drive 5 hours home ( rush hour traffic in XXXX ) and upon trying to do as instructed it said that it could n't find my information to call an XXXX number so I call and the woman says that I need a reference number repeatedly and something about the account being locked. Monday XXXX/XXXX/16 I call as soon as the branch opens and ca n't get XXXX but XXXX says that we have to be there in person with our ID for the online people to unlock the account. You have to be kidding right? I call back and he says that he will see what he can do. Hours later I call and get him again and he says that every time he tries to call he gets interrupted and just after talking to him XXXX calls and she says that she will check on this and call me back. Here it is after XXXX here in XXXX and still no access. After we got home also I called to check on my father and he is getting worse and may not be here much longer. If I spent the last weekend of my fathers life playing games with Wells Fargo instead of seeing him this is sad and pitiful what they do to people.

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 2022-06-02
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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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

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 2022-06-02
Company: SYNCHRONY FINANCIAL
State: WI
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 dispute to XXXX on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from XXXX. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple XXXX, XXXX, XXXX, and XXXX day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( Synchrony Bank ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my XXXX score has dropped XXXX points. I have received notice of adverse action on two of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing XXXX offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have been in contact with Chrysler Capital on a recent truck lease that was just turned in and I was sent a bill in the mail stating I owed money for damages that I did get fixed. Here is the timeline of events : -Hail damage to the truck occurred in XXXX 2015-Claim with my insurance was filed for the damage before XX/XX/XXXX15-I called Chrysler Capital to set up the turn-in inspection and they said I needed to have the inspection done prior to getting the hail repairs completed. 
-Chrysler Capital person came to my house for inspection on XXXX/XXXX/15 and estimated damage of {$1500.00} needed to be fixed prior to turn-in of the lease. 
-Truck was then taken in to XXXX XXXX XXXX XXXX MN for repairs done on XXXX/XXXX/15 ( shop was recommended by the Chrysler dealership ). Actual cost of damage was {$3500.00}. 
-Repairs were completed and I paid my insurance claim deductible. 
-Truck was taken to XXXX XXXX MN Chrysler dealership on XXXX/XXXX/15 and turned-in. No damage was noted at turn-in and everything seemed to be OK. 
-A few weeks later a bill was sent to me from Chrysler Capital in the exact same amount of {$1500.00} that was originally estimated as the damage. 
-I called Chrysler Capital assuming this was just an error as the repairs were completed. They stated I needed to send proof of the repair for review. 
-Documented detailed proof of repair from XXXX was provided to Chrysler Capital for review and removal from final bill. 
-Chrysler Capital reviewed and is saying the damage was still present and the repair was " subpar '' at the time it was released to auction. 
-I requested what exactly was subpar and they could not tell me exact areas that were not fixed and say I still owe the money. They have not shown any documentation to me on what was supposedly wrong, yet they say I owe them the money. 

This is not true as I know the hail was fixed - repairs that were done were actually double of the original from the Chrysler inspector estimate. This is not fair that they are holding me liable for these charges since I did in fact get the damage fixed. I do not want this to hurt my credit, but I am not paying for something that was already fixed prior to returning the truck. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car Loan has a status of " current '' with Santander. Santander is reporting to all XXXX CRA that my status is C/O. I am current on my auto loan since XXXX of 2016 yet my CRA are reporting C/O. 
I would also like an explanation of a fee of {$700.00}. I asked for a detailed invoice to understand what fees are being charged adding up to {$700.00}, I was told they do no offer a break down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Bank # XXXX and XXXX XXXX Bank # 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 2015-08-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a hardship back in XX/XX/XXXX. I, under my own accord, volenterally repossessed my XX/XX/XXXX XXXX XXXX. I had a loan thru XXXX. We agreed on a settlement with monthly payments that are due each month for the amount I was upside down on my loan. They call me every month witch I am usually at work when they do. I have asked them to stop calling me as I am agreeing to the settlement and have made every payment on time. They told me that there " system calls me automatically ''. I understand that if someone is n't making payments or is late they would call, but for someone that is making ever effort to make the payments on time why sound I be harassed this way. I was also told that I could make my payments with my credit card with a 9 % charge. I have to mail my payment because of this. I do n't understand that if I am paying my regular car payment I can do this online. Because of the settlement process it makes me feel like they are trying to make every effort for me to be late and break our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX XXXX almost three years ago for {$17000.00} plus taxes. I put {$4000.00} down and paid on time. I missed one payment but have been paying more to try to make up for it. Our payments are {$390.00} a month and have so far paid at least {$12000.00} in payments. We keep getting hitting with outrageous interest and charges. For the past year we have been paying, they keep saying we owe more than {$12000.00}. There is something that they are doing that is n't legal. Please look into this because I feel we have been taken advantage of.

Company response to consumer: Closed with explanation