BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-28
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 was sold to Santander Consumer USA ( acc # XXXX ) in XXXX XXXX. I was subsequently laid off and fell behind in my payments then asked all my creditors including Santander for some temporary help until I can be re employed, this occurred around XXXX XXXX. Santander decided to place the past due payments at the end of the contract, to which I agreed. However apparently the very payment which was then due was not included unknown to me. For three years I was billed a late fee which averaged approximately {$24.00} monthly. After I realized what was happening I contacted Santander to seek relief and the reason why that payment was not included in the verbal agreement. None of the agents I spoke to were willing to help, I finally wrote Santander but I have gotten no response. I find it ridiculous that they would do something like this as why this payment could not have been included. I have continued to pay my loan every month since while the unjust late fees continue to accumulate to approximately over {$900.00}. I seek help in getting this late fee overturned. I am a pensioner and live on a fixed income and do not have the money to satisfy Santander 's greed. I was advised to contact you for a resolution. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

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 2020-10-02
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My husband was the victim of an identity theft on XXXX XX/XX/XXXX in Texas with Conns Appliances. This incident was reported to Conns appliances, along with an affidavit and supporting documents. XXXX XXXX ( my husband ) eventually reported it on this website to Consumer Finance as Conns Appliances were not taking any corrective action. 



Conns Applinaces Fraud department issued a statemnet syaing this matter was closed on XXXX XX/XX/XXXX. 

Today ( XXXX XX/XX/XXXX ) Conns Appliances Collection department is now calling me to collect on this debt. I have attempted to explain the situation to the collection dept on several occasions but the calls continue despite my best efforts. 

The original complaint ID is XXXX submitted on XX/XX/XXXX to Consumer Finance .gov

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: FRIC HOLDING CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was granted by a XXXX Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX at work and got layed-off. I informed the XXXX Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to First Resolution investment. It was Handled by XXXX XXXX with postal address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX. I was n't able to attend the hearing XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX and the right totally XXXX. And XXXX was advisable for me anymore. Except XXXX w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the XXXX Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of California in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX XXXX. Now, I am XXXX with progressing XXXX is getting bad. But, Atty. XXXX XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The First Resolution Investment never gave me any last statement from the XXXX Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the First Resolution investment no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the XXXX bank. Atty. XXXX XXXX never inform me that the First resolution Investment was already dissolved and he is still representing the First Resolution investment to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for XXXX months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the XXXX bank will proved that they have been taking monthly payment for Protection plan from me. the reason the California Supreme Court had slap a XXXX millions fine at the XXXX Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: NEW CITY FUNDING CORP.
State: NY
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:
I have a repossession on my credit report that I have been trying to dispute through XXXX and remove as its beyond the 7 years of its statute of limitations with New City Funding. The date the account was opened was XX/XX/XXXX for {$3000.00}. The vehicle was repossessed in XXXX for remaining balance of {$1600.00}. When I disputed in the past the reporting agency came back and said it was a verified debt until XX/XX/XXXX. I recently disputed it again as its beyond 7 years old and they still wont remove it. Please have them remove it. I feel I have paid the price with the harm its done to my credit score for the last 7 years and it is my right to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: U.S. BANCORP
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:
I purchased a product from XXXX XXXX for approx. {$600.00} in XX/XX/2020. The item was shipped by XXXX. I was notified by XXXX it was to be delivered on a certain day. I then received an email that the item was delivered, but it actually was not. I called XXXX and told them I never received the item. They said they see that the item was not delivered and provided an investigation number. After a few days, I called back and they acknowledged that the item was lost. They told me to call XXXX XXXX. XXXX XXXX said they were unable to issue a credit as the item was marked " delivered '' in the system, so I should dispute the charge on the credit card. It was a XXXX Visa administered by Elan Financial Services.

I disputed the charge and it was reversed. Several weeks later I received a letter from Elan that XXXX XXXX said the item was delivered, as proved by per the XXXX system, and that I needed to provide a counterclaim. I did so and provided the XXXX investigation number which can be used, per XXXX, to show the item was lost. On the next credit card statement, the {$600.00} charge was reinstated. I called Elan and spoke with XXXX on XX/XX/XXXX. She said that the charge was reinstated because my response letter was received a day late, but they have now reopened the claim and I should see the charge reversed. It was not. I called again on XX/XX/XXXX and spoke with XXXX, as the payment was due the next day. She said that the charge should be reversed, not to make the payment, and someone would call me back in 48 hours. No one did. I called again on XX/XX/XXXX and spoke to XXXX. She said that my claim was denied because it was not received timely and there is nothing they can do. I asked why I was told differently during my previous two discussions and did not receive an answer. Elan is telling me I am responsible to pay for a {$600.00} item that I never received.

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 2016-02-12
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
36 times since XXXX 2016 have tried to buy car XXXX of the XXXX credit bureau shows I 'm not listed by Chrysler Capital I have paid 2 1/2 years on this loan Chrysler Capital is treating me like a nobody but they accept my payment to which have been made on time at this time I want to be left as a " NOBODY '' My rights have been violated By Chrysler Capital and If Chrysler Capital puts anything about payments back in credit bureau they will be admitting they have done me wrong my next step is to get a Lawyer if Chrysler Capital wants to talk to me it will be eye ball to eye ball I accept nothing From Chrysler Capital until " HELL '' freezes over THank You CHHRYSLER CAPITAL FOR NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In 2012 I went to XXXX of XXXX XXXX Georgia. At the time I had {$2000.00} to get a used vehicle. When I went into XXXX I advised what I was looking for because I was in bankruptcy. The sales man said I could get a new car with that amount of downpayment and they had authorization from the bankruptcy court. I spoke with the female sales manager and she reiterated the same. After talking to my bankruptcy attorney I was advised that was not the case and the court would not approve that amount. I called XXXX but they advised there was nothing they could do the loan was through santander. I called santander and advised I had to turn the car in. I did not have a choice the loan was not approved through the bankruptcy courts. Recently I pulled my credit and Santander has the loan in accurately reported on my credit file and also also it to another company. So it is reported as XXXX collection/delinquent accounts. This should not be on my credit file because the loan should have never been given especially under false information. It was evident I was in open bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: AL
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:
THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continue to call my work location and have talked to co-workers telling them they are trying to locate me for legal action. This is not okay, they call my place of employment, family, friends and my personal number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Late fee

Complaint:
My husband and I bought electronic equipment on a Best Buy credit card, which account was opened specifically for the purchase and which carried no interest for 5 years. The account is held by Citibank. I immediately set up an automatic payment for the account, paying half of the minimum due every two weeks. At the time, my husband and I were employed at a company that pays every two weeks. My husband is still employed there ; I have since retired. No further purchases have been made with this credit card. 
In XXXX XXXX, I discovered that I 'd accidentally set up the payment for a single payment of {$57.00}, payed in XXXX XXXX ; I promptly paid the {$130.00} due, bring the account current. I have been paying {$28.00} every XXXX weeks since then. 
I just got a phone call saying I owed {$110.00} because of a late payment. I did n't understand how I could be late when I 'm paying an extra full payment a year. I spoke with the manager and she finally told me that my payment hit on the XXXX of the month, when I was supposed to make the payment no later than the XXXX. I asked how I could be late when I was making an extra payment every year and she said that we were not allowed to pay the account early!! I was charged over {$200.00} in late fees last year, by their own admission, because I paid my account early and the funds were applied to my balance rather than to the next month 's payment. 
I have brought my account up to date and have changed the payment date to the XXXX of each month and the payment amount to the full minimum payment. 
I feel that Citibank engaged in deceptive practices in order to charge late penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have a equity loan with Citibank and they sent us a letter that is was in repayment and we had XXXX options to choose from. to put it all in a fixed rate which would double our payment half in fixed and half in a variable. ( which we chose ) or all in a variable. Well by choosing to split it, it assigned XXXX accounts numbers to the loan. I called to see if we could just put the accounts together and they said no, we would have to refinance. When I called to refinance they said that we could n't refinance. We are planning on moving in the next couple of years so it would not benefit us to shop around for a new loan. We I sent the payments in they keep misapplying them to the wrong account. I keep getting past due notices, I call and they say they are correcting it but then the next month the same thing happens. I made the payments on line and they told me that was causing the problem. so I said should I just make them at the bank and then they told me I cant make the payments at the bank because they wont process correctly, so they told me to call in.I called in and they said I need to mail it in or it wont process correctly. How can you give me a loan and not be able to process the payments correctly. When I asked if they are reporting me late to the credit agencys that said they do n't know I will need to check my credit report. Every person I speak to give me a different answer, and then they are calling me for collections when they are still researching my payments. I want them to process my payments correctly, this is getting very frustrating.

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 2016-10-03
Company: CITIBANK, N.A.
State: CO
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
This is about a gift card. 
The cfpd site says they should be good for 5 years?? 
Had this card for not even close to a year. It expired on XXXX. I called CITI on XXXX/XXXX/16 and they pretty much said, tough luck it is no good. 
Its not that is much $ , but the gift card was only some months old.

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 2022-09-16
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I moved into the apartment in XX/XX/2019 I had an all electric apartment the lights would flicker on and off fridge wouldnt get cold heat didnt work I report it numerous times to leasing office and management still no help my XXXX XXXX XXXX daughter got sick and my mom passed away I went to my home city for a few days came back I still wasnt fix but I paid rent for XXXX I asked if I could be reimbursed for my spoiled groceries they told me no and the company didnt come fix the problem until XXXX at this point I wanted to break my lease because the apartment wasnt in living condition I was told that I couldnt nor move to a different unit I still have all the emails, work orders as well a shown payments for the months I lived in apartment.. I was told they would contact the property manager and let me know and never gotten back to me no phone call or email..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a hard hit on my experian credit report that I did not authorize. I tried to file a dispute online but they do not take credit inquiry disputes online so I called. They advised they would not investigate the credit inquiry because the FRCA says the bank has to remove it. Even if the bank fraudulently does a hard pull without permission. I disagree with this as a bad bank will of course not care since there is no repercussion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Late fee

Complaint:
Citi Bank /Home depot credit card Charged a late fee multiple times when the due date fell on a Sunday, and the payment was received the next available business day. This is a violation of the fair and accurate credit collection act, and they have refused to correct the illegal action they have done by claiming payments can be made in stores 7 day a week. I believe Citi Bank has done this to many others, and make regular practice of being unfair and deceptive to consumers

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 2017-06-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A  few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items .

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 2016-11-16
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Advertising and marketing

Complaint:
On my credit card 's benefits page, it says I should receive " Up to 2 % purchase APR reduction when you make a purchase, pay on time and stay under the credit limit XXXX billing months in a row XXXX 0.25 % per quarter, up to XXXX max ). '' I 've had the card for several years now and I am not aware of when this feature was ever activated. I 've reached out to Citi Cards for information and was told my card was not currently eligible for any reduction, nor could they provide me with when the feature was activated.

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

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