BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to XXXX, experian, XXXX  and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.

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 2022-01-27
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Regions Bank after receiving a personalized offer in the mail. The offer stated I'd get a {$400.00} bonus for opening a new account if certain terms were met within the first thirty days. Here are the terms presented to me on the flyer I received in the mail : -Register at regions/com/offer using your personal code -Open your new personal XX/XX/XXXX checking account by XX/XX/XXXX, and enroll in Online Banking within 30 days of account opening -Use your Regions Visa CheckCard to make 10 or more purchases that post to your account within 30 days of account opening. Almost any CheckCard purchase counts, including bill payments, online chopping and subscription services, as long as you use the XXXX number -Your {$400.00} bonus will XX/XX/XXXX deposited directly to your new checking account with 90 days of completing the above requirements I opened my account online on XX/XX/XXXX right about XXXX XXXX and funded the account at that time. I didn't receive the card for my account until XX/XX/XXXX and it was postmarked XX/XX/XXXX. I've attached an image of the XXXX mail ( which I get daily ) showing the card being delivered on XX/XX/XXXX from their address, XXXX XXXX XXXX XXXX, AL XXXX. Even getting the funds at the time of opening my account to Regions took XXXX days. 


The very next day, I started using the card. Between the first day I used the card, XX/XX/XXXX, and XX/XX/XXXX, I used the card eleven times. Within that window, the last two purchases were made on XX/XX/XXXX ( Thursday ) and XX/XX/XXXX ( Friday ). The charges are attributed to XX/XX/XXXX, when Regions say they " cleared ''. 


This week, I've reached out to the bank via a branch, and two different calls. Each time, I was told I wasn't going to get the bonus because I didn't make the purchases within the first thirty days ( not true, based on Regions own account info ), and that the first day I opened my account ( XX/XX/XXXX ) was counted as one of the days counting against me. I repeatedly said that thirty days means twenty-four hours, thirty time. I didn't have a relationship with Regions bank for most of XX/XX/XXXX. To say that counts as a full day it pretty ridiculous. I know the charged amount " cleared '' early in the morning, earlier than the time I actually opened my account on XX/XX/XXXX. So not only were the purchases certainly completed before thirty days within opening my account, they " cleared '' before the thirty days ( 24 hours ), I opened the account. 


Regions Bank made me an offer and it making up the definition of a day

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 2022-10-25
Company: Consumer Portfolio Services, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Please be so kind as to assist me ; Im asking for your companys assistance in enforcing what the law requires for this corporation to do. Please and thank you. I entered a consumer credit transaction with Consumer Portfolio Services on XX/XX/2021. This involved a finance charge along with a down payment of ( {$2000.00} ) cash. Pursuant to 15 USC 1605 ( a ) finance charge is the sum of all charges in a consumer credit transaction and does not include cash. XXXX is in violation of the 15 USC 1605 Truth in Lending ACT. XXXX didnt offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. XXXX  purchased a fraudulent contract knowingly and willfully. I have also sent certified mail to the CEO & the CFO of Consumer Portfolio Services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 I was made aware of fraud in regards to the dealership that I bought my car from.I am asking for ALL documents in my file. without being tampered with to be reported to me. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties I am still paying on my vehicle and the total payout is not going down. My payment is extremely high and I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello I am contacting you on behalf of my XXXX year old grandmother. We have been dealing with 21st Mortgage on a loan modification and we were under a bankruptcy. The bankruptcy judge stated the the bank could work with us on a modification while under the bankruptcy. I have been trying to contract the bank for weeks and I was n't getting anyone who would talk to me. I finally reached someone today who told me that they could n't talk to me because of the bankruptcy. I informed them of the orders from the bankruptcy court and they told me that the sale date is on XXXX XXXX XXXX and they could n't review a modifaction package. I told the young lady that I had been calling for weeks and no one from the legal department would n't answer the phone. My grandmother has been in her home for 40 years and she has always paid her mortgage on time until she was put into a loan that she could n't afford. The loan was transferred about XXXX or XXXX times to different lenders every time I put in a loss mitigation package to the new lender the loan was sold again. The assignment are also out of order. And I even tried to ask 21st mortgage about some of the programs that are being offered to help home owners stay in their home. And they basically told me that they do n't participate in any of the programs. My grandma owes XXXX on her home but it 's only worth XXXX and they will not work with us on reducing the price. We desperately need some assistance. The loan number for 21st Mortgage is XXXX. In the past I 've spoken to XXXX XXXX, XXXX XXXX and today I spoke to XXXX at XXXX XXXX who is the head of the legal department and she is the one who informed today that they would not be working with us. My grandma can afford to pay {$1500.00} to {$2000.00} a month but her payments are {$2700.00} a month. And my grandma was in a XXXX from XXXX XXXX until late XXXX. And I explained everything to 21st mortgage and I also told them that I had an approval from an investor for the short sale but they would n't even review my grandmas loan for loss mitigatio. 

Thank you for understanding,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: MD
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 recently obtain a copy of my credit report and noticed inaccuracies in 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
Consumer complaint received 2020-08-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/20, my debt owed to National Credit Systems was satisfied in full. I made the payment and have received a letter from the company stating that there is no longer any further obligation relating to this account, but it is still being reported to the credit bureaus. I have contacted the collection company and am now being asked to pay an additional amount to them so that they can stop reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Re : BSI Letter Entitled Streamline Solicitation Agreement Withdrawal dated XX/XX/XXXX Loan Number : To Whom It May Concern : c/o XXXX XXXX I am requesting information relating to the above-referenced loan number currently being serviced by your firm BSI Financial Services. On or around XX/XX/XXXX I accepted a permanent loan modification offered by BSI. I executed the documents sent as requested and sent the 1st payment in the amount of {$640.00} Check Number XXXX which was received and cashed by BSI on or around XX/XX/XXXX ( please see attached ). To Date : I have not received a fully executed Loan Modification Agreement signed and dated by a representative from BSI There is no evidence that the alleged Loan Modification was filed within the Real Estate Recorders Offices of XXXX County I have not received a mortgage coupon with the new loan amount listing and verifying the new monthly payments I have not received a payment breakdown from the inception of the new loan to the maturation date However, I have received since executing the loan modification agreement along with my first payment was a mortgage coupon in the amount of {$0.00} stating that the payment is not due until XX/XX/XXXX ( please see attached ) You all have failed to send evidence that the Loan Modification was signed and accepted by your firm yet the first payment check was cashed. You all failed to send new mortgage coupons reflecting the new loan agreement and payment amount. Now, you are withdrawing your original offer because you can not provide accurate accounting or paperwork to reflect the original agreement? Now you are calling the Loan and threatening foreclosure? How and why? XXXX, I need an explanation! 
Because I have been receiving conflicting information relating to the servicing of my mortgage. I am concerned that this error has created an unnecessary and improper delinquency within my loan status. 
Therefore, please view this as a " qualified written request '' pursuant to 12 U.S.C. 2605 ( e ) as well as a request seeking accounting as well as the current status of my loan! I seek verification of the amounts which you claim are due and/or delinquent and the documents supporting these claims. I should not be held responsible for any late fees, interest, or other charges relating to the above referenced confusion. I look forward to your response within 20 days from the date of this letter. Any further communications concerning this debt should be directed to me in writing. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Dwight Financial, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX Dwight D Financial transferred my debt to XXXX and XXXX XXXX with a balance of {$130.00}. Since then XXXX and XXXX has sent me a letter of collections for the above balance. However on XX/XX/XXXX I have contacted XXXX and XXXX about settling my debt. Since XX/XX/XXXX I have paid my collections debt in full in the amount of {$250.00}. The collections company has agreed to delete all tradeline associated with this account. In conclusion, Dwight D. Financial should not be reporting negative marks on my report. 

I also have proof of account paid in full sent by XXXX and XXXX if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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:
XXXX $ has been put on my credit dating back to 2013 from an apartment in which i did not live or have a lease at. I disputed this a few years back and it was taken off my credit, all of a sudden a few months ago it is back on and XXXX wont get back to me on all the disputes ive sent in. This is ruining my life and i owe this company nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I offered to pay XXXX $ a month til it was paid. The debt is XXXX $ and only a month old They are demanding full payment by XX/XX/XXXX and the debt is only 45 days old by XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently obtain a copy of my credit report and noticed inaccuracies in 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
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX, I accidentally send Adivine Spiritual Healer {$440.00}, I immediately disputed the transaction. I even XXXX this young lady and asked her to refund my money back. She informed me that she wasn't able to refund and only had the option of disputing the payment. She submitted a dispute saying she didn't know me and refund back the money. After speaking with your supervisor XXXX XXXX ID XXXX today XX/XX/2022 at XXXX PM EST, information of the response from the seller XXXX XXXX XXXX. I asked for my refund to be released now due to the seller response in regards to the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On the following dates XXXX, XXXX, XXXX and XXXX I submitted disputes to Experian and XXXX XXXX credit reporting agencies informing them of their violations of 15 U.S. Code 1681. FCRA 623 ( a ) ( 5 ) and FCRA 609 ( a ) ( 1 ) ( a ), ensures that correct methods are used to investigate, correct and report the correct information from its original source. On the XXXX of XX/XX/2020 Experian and XXXX XXXX credit reporting agencies voluntarily committed to violating both U.S. codes and verbally insured me that they would not comply after I informed them that the agency ( XXXX ) of their choice to verify consumers correct information have complied with the same explained information and sent Experian and XXXX XXXX the documented proof, they still vow to violate both U.S. codes protecting consumers Privacy and said accuracy of their reported credit history. 
These actions of Experian and XXXX XXXX cause serious derogatory discrimination, harsh negative results and serious collateral damage to a consumers life preventing them from purchasing a home, obtaining dependable transportation and even obtaining a job.

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 2020-08-11
Company: USCB, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am filing this compliant because Equifax And XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soo as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with SYNCB/SPORT, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/SPORT, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-11
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020 I contacted Bridgecrest requesting new payments dates because I got a new position and my pay schedule was changing. I was informed that because my loan was new I had no options XX/XX/2020 I contacted them to see if I could get adjustments so that my credit score would not be negatively affected they said they could not help me. 

XX/XX/2020 I contacted bridgecrest again by phone and I was able to catch my payments up. I asked for review of the two missed payments reported and they said they could do anything about it. 

XX/XX/2020 I wrote a letter asking to have the payment history adjustments ; no response from Bridgecrest. 

With the shock of the nation and COVID I have maintained a good payment history for majority of this loan. I believe that my payment history on my credit report should show that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to XXXX, XXXX, equifax and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Please have information more consolidated. Why are credit reports loaded with accounts being listed several times and it is for XXXX creditor? That is so unfair and unjust. 
I would like to see the Credit Report trimmed down. It is the most inaccurate document that I have every seen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Optimum Outcomes, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have called me multiple times and left multiple voice mails for " XXXX XXXX ''. I am not XXXX XXXX and I have had my phone number for many years! I also owe no medical debt. I have called them 4 times to let them know I am not XXXX XXXX and to quit calling me. They continue to tell me they will not call me anymore, but I continue to get phone calls from them.

Company response to consumer: Closed with explanation