BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX Santander Consumer USA was involved in 34 state class action lawsuit and one these states being my home state. All auto loans account from XX/XX/XXXX to XX/XX/XXXX qualify. I first contacted my attorney general office to see if my auto loan qualify account open XX/XX/XXXX account closed XX/XX/XXXX {$12.00}, XXXX written off with the information I provide them my account qualify. Santander Consumer USA was court ordered to remove all repossession account from my credit report and ordered to cease and dismiss XXXX XXXX XXXX collection efforts. They are ordered by the court to issue a deficiency waiver for charge off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: MIDCOUNTRY FINANCIAL CORP
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Heights Financial calls 3-5 x 's a day and leave messages 3x 's a day as well. It is harassment to leave 3 messages a day literally minutes apart. XXXX/XXXX/16 Heights Financial called me at XXXX, XXXX, and XXXX ... each time a message was left. That is 3 messages in 30minutes!! That is excessive!! I have phone records and voicemails to prove this has happened multiple times.

Company response to consumer: Closed
Consumer complaint received 2021-12-12
Company: Mesa Auto Finance, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V TRANSUNION 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.

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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 paid XXXX XXXX XXXX and still showing not paid after 30 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 2019-12-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan is at a fixed interest rate of 4.29 % for a total loan amount of {$3100.00}. 

Whenever I pay a payment, accrued interested has been anywhere between 20 % - 65 %. For example, one month I paid XXXX {$37.00} went to the actual loan while XXXX went to interest. Other months I've paid {$50.00} when XXXX went to interest and XXXX went to the actual loan. Every time I go to pay, this is happening. I don't agree with their interest accrued formula and how much they taking for interest. 

When I applied to the school they advertised my fixed rate with no information about this " accrued interest '' Between the school 's false advertising and the lendors interest formula this is a serious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

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 2020-06-13
Company: Experian Information Solutions Inc.
State: TX
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 paid XXXX XXXX XXXX and still showing not paid after 30 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 non-monetary relief
Consumer complaint received 2017-09-18
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: Their investigation did not fix an error on your report

Complaint:
I have disputed a collection on my account from XXXX XXXX XXXX requesting verification of this debt..i have also submitted 3 requests through CFPB and each of those complaints came back that this collection company is not responding, i have sent certified letters to this collection agency also and never got any responses either, when i dispute with Equifax each time they just say it was verified despite me asking constantly for verification i have no knowledge or verifications of this debt, i disputed with XXXX and XXXX and they been removed it but equifax has yet to verify or provide me with anyrhing this is unfair to be being reported and despite my multiple attempts to verify i still get no responses and also when CFPB sends complaints they dont respond back to them neither

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: GA
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 ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account XXXX for the months of XXXX, XXXX, XXXX, and XXXX XXXX Equifax ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account, for the months of XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Bankruptcy

Complaint:
I have tried to contact Capital One regarding several accounts that I have them. My job hours have been drastically reduced and I really need to request a lower interest. I need it lowered to 5 % to make it fit with my current budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Core Advisory Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I want to report to you that this company preys on homeowners by making false promises through their deceptive advertisement that they had sent to me. I thought I was a plaintiff for a lawsuit to be filed against my bank and the mail ad said my new interest rate will be 2 %. I called in to find out more information about this so when I spoke to them back in XXXX XXXX, XXXX I had told them specifically that I already applied for a loan modification and still waiting for an answer. Core advisory group told me that they are not a loan modification company and that they can help me get a better result by filing complaints against my bank. I asked them what will happen afterwards and they told me that getting the complaints open will automatically force my bank to give me a better loan modification term and I will be a better position if I have professional help so they can go after the bank to eliminate all the late fees and penalties and also reduce my principle balance. This sounded good at first, so I agreed to sign their paperwork and paid them {$3500.00} upfront plus {$120.00} for their notary service. On XXXX XXXX, XXXX my bank finally responded to my original application for a loan modification and I was approved. Core did nothing for me but draft complaints to be filed with CFPB. This is a pure scam and tricky way for them to lure people in, thinking they can do this and do that but really just take your money. I filed a complaint to them to return my money and out of {$3600.00} dollars I paid them they were only willing to give me back {$1700.00}. I believe I am entitled to the rest my money paid to them {$1800.00} based on FTC XXXX rule makes it illegal for any company that provides mortgage assistance to charge me fees in advance and that is what they did. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: MOHELA
State: AZ
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:
All of my credit reports are showing twelve ( 12 ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " Mohela/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. Thus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance. I did request to be in Administrative Forbearance and my application was approved, which included a backdated Administrative Forbearance. The credit reporting agencies have said that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. In sum, the twelve ( 12 ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

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 2020-06-13
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I removed my Escrow from my mortgage the first week of XXXX. I received a letter stating they received my request on XX/XX/XXXX and it would take 5-7 business days, plus mailing time to refund my balance in the form of a check. 

XX/XX/XXXX I called to check the status of my check and was told that it had just been approved to " cut the check '' and if I had not received it by XX/XX/XXXX to call back. 

I called back on XX/XX/XXXX and told them I had not received my check. The female looked into it and found out that the entire check, without my permission, had been applied to my mortgage balance ( XXXX 's payment and the remaining XXXX was placed on the balance of the loan ). I was then transferred to XXXX XXXX, ( Arizona ) in the escalations department. XXXX told me that he did not know why it was applied to my loan and he would wire me the funds. He stated it would take 24 hours to approve and 2-3 days for the wire. He stated he would call me on Tuesday XXXX XX/XX/XXXX ) to give me an update. i did not hear from XXXX at all. 

On Wednesday XXXX XX/XX/XXXX ) I emailed XXXX and never received a response Thursday XXXX XX/XX/XXXX ) I called XXXX and left a message, he did not call back so I called back and pressed XXXX, according to his answering message, and spoke to a female in Texas. She stated she did not know what the hold up was and that " account services and escalations had not been friends for about 3 weeks '' and that they are not doing their job. She said she would look into it and also send XXXX and email. 

I called XXXX back on Friday XXXX XX/XX/XXXX ) and left another message. This time he called back and said that " it had been denied '' I asked what was denied, the wire transfer or giving me my money back? he said he didn't know but would look into it and he would email the manager of account services. I asked if there was a number that I could call them at and he said no there wasn't. He said he would get back to me Friday night with an update and that the wire might even be in my account Saturday XXXX XX/XX/XXXX ) Again XXXX never called me back. It has now been over 5 weeks since I removed my escrow and I have still not received MY MONEY and it has become unbelievably frustrating. I am losing interest, all though a small amount, that I would have made by investing in the stock market drop on XX/XX/XXXX. I feel as though I am being led on a wild goose chase while they hold on to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
Capitol One Bank is, creating debits and credits in my account to over charge. 
I disputed a charge of a company, because I did not order the product. The bank gave me the Credit. The company returned the money to the bank, therefore my account was left in the correct amount. Now the bank is charging me again for the said amount with the excuse that they gave me double credit. 
If the bank gives me a credit of {$500.00} and I use {$300.00} What I actually owe is {$300.00}. 
plus given rate percentage. 
I need help because this is a clear, game of fraudulent numbers that the bank is using to create profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complain because XXXX has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days 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 have disputed. Please resolve this manner as soon as possible. Thank You

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 2015-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This month I checked my credit report through XXXX. On each report there was a new item for {$2000.00}. One is listed as XXXX ( TransUnion ) the other as XXXX ( XXXX ) ; both list the original creditor as XXXX. I do not have a XXXX account ; my last XXXX account was closed in XXXX, 2011 ; and had a XXXX balance. I have received no XXXX communications since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the balance on my XXXX XXXX to XXXX during the first week of XX/XX/XXXX. 
Despite a call and an email, XXXX has neither sent my car Title nor reported the payment to credit agencies.

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 2016-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a collection from " XXXX '' collecting for the alleged original lender, " XXXX. '' I have never had any dealings with XXXX or any of its companies. This collection is fraudulent and has been investigated, found to be inaccurate and removed by XXXX and XXXX. TransUnion needs to investigate and remove this collection from my report. XXXX is being investigated and sued by many states for this and other fraudulent acts.

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 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2022, I received a billing statement reversing a charge that I informed a banker that was not mine. I received a call from Bank of America with an agent stating that suspicious activity was noticed on my card and was issued a new card that was I never received. When I received the statement it showed the fraudulent charge removed and then it was reversed. I put in a claim for a fraudulent charge, but due to me also being a victim of mail theft did not receive the denial. When I did follow up with Bank of America, I let the banker know I did not receive the denial and that I had much evidence to share of my identity theft ( a police report number, postal inspector case number, FTC identity theft report, District Attorney complaint number, and other proof of my stolen identity. This was XX/XX/2022. A few days later I received a letter of denial of my claim on XX/XX/2022. It was obvious that the fraud department did not receive the evidence I sent to the XXXX XXXX site because I sent it on the XX/XX/2022. I have tried several times to speak to the fraud department about this but have been on long holds ( XXXX hour or more ) or have been hung up on because of the volume of calls.

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