BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, My wife and I refinance our car XX/XX/XXXX with Santander USA. XX/XX/XXXX we paid the car off and received new XXXX, release of security note. We sold the car to XXXX XXXX XXXX and since the car was sold XXXX more times. I went to the DMV and received the print out of title. We have submitted it to all credit agencies numerous times and call Santander. Santander will not update there system and keeps reporting the wrong information. This causing us great harm. We are trying to buy a home but with this wrong and malice act by Santander the bank wants us to put more money aside for the loan which we cant afford. 
Please help!!!! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 closed Capitol one account. It's reporting on XXXX as late by XXXX days. This same account is reporting as paid on time with the other XXXX reporting agencies. I have disputed it many times. I also spoke to Capitol one about it. I recently closed my most recent Capitol one account because they never fixed it. The date that I'm reporting at late on is AFTER the date my account was actually closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
my mother got a car loan XXXX/XXXX/XXXX they faxed the paperwork to her because she was not in the area, she was planning on moving in with my family and was needing a car that she could use i do not think that she understood the loan she was getting ( my wife co-signed but was not explained about the loan either because she assumed they had done that already ) no one had called her to tell her that the loan she was getting would mean that she would be paying more than double or even triple for this car according to Santander USA she has paid {$22000.00} since XXXX/XXXX/XXXX and still owes almost {$21000.00} but that number never seems to change i had them mail me the loan papers if i remember right the car was $ XXXXand i think about {$2500.00} was put down it is a used XXXX XXXX some reason they said they coundnt qualify for some of the other used cars they had, also this car has continually broken down since the time of purchase ( its a lemon ) my mom lives on social security and i make the payments every month for her but is has been a struggle for me to always pay onetime which has caused my wifes credit to take a bad hit because of all the late pays month payment is {$630.00} the car on XXXX XXXX XXXX has a value of about $ XXXX i hope there is something that you can help us with, it does n't seem right that we are going to end up paying over {$50000.00} for a car that was probably worth around {$13000.00} when it was purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Brightfunders, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of XXXX I received a goodbye servicing transfer statement. On XX/XX/XXXX I received a just kidding email saying they were no longer transferring my servicing. I canceled my autodraft and made a one time paymentto ensure it was still on time. They ignored my request, took my one time payment and then took my cancelled autodraft payment as well. To prevent them from collecting on both payments ( I was current and only due for XXXX ), I put a stop payment through my bank. The bank charged me a fee to do so. Now, HomesideXXXX refuses to refund me the fee that I had to incur as a result of their inability to properly service a mortgage. They are not protecting their consumers, they are neglecting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I received a letter from Sequoia Financial Services regarding collecting a Judgment that was filed against me in favor of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$13000.00} + Post Judgment Int. in the amount of {$13000.00} bringing the total Judgment amount of {$27000.00}. The day I received this letter was the first time I have ever been notified about the Judgment. I don't know what this Judgment is for nor have I ever been served a summons to appear in court for any lawsuit filed against me from XXXX XXXX XXXX XXXX. So on XX/XX/XXXX I sent a letter requesting Sequoia Financial Services to provide me with verification of this debt, which they have failed to do. I still haven't received any documents verifying this debt. However on XX/XX/XXXX I received a notice of involuntary XXXX XXXX XXXX of XXXX XXXX Registrar-Recorder/County Clerk 's office, that was filed on XX/XX/XXXX by XXXX XXXX XXXX & XXXX XXXX Which I have no idea who that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: NCB Management Services Inc.
State: MD
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. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems at XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX, has added an collection to my credit in the amount of {$120.00}. This Collection has been reported as " past due balance and unpaid. '' I do not know of this company and I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX ) account reported as delinquent should be reported as Paid-in-full or closed. A Deed in lieu of foreclosure was returned to them XX/XX/XXXX to satisfy debt on a timeshare purchase. Although they have the property back, they continue to invoice monthly and report a delinquency to your bureau. 
It is my understanding that the Deed in lieu of foreclosure returned the property to them and paid the debt. This is what they asked me to do in XXXX when they sent me the paperwork to be signed. Yet, this is reported monthly to Experian as a delinquent account. I filed a ( 2 ) complaints and asked Experian to investigate this. My credit file with Experian still contains this negative information as of XX/XX/XXXX.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NC
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. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not a treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.

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 2021-11-12
Company: Longbridge Financial, LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a loan with Longbridge Financial , LLC in XXXX Texas. When I asked for a refinance of the loan, my mortgage specialist, XXXX XXXX, indicated that I needed to have another inspection and valuation of my house. When that was done, I was told I had to have another inspection and vaulation of my house because the government required it and was doing that on 20 % of all inspectioins. The second came in at a low ball figure, 87.5 % of the original valuation. I was then told I had to close on the lower rate of pay for both of the inspections. I don't know of any government program that requires 20 % of additional work on anything. Since they had my bank card they apparently thought they were in the drivers seat. But, just so happened that my bank change owners and reissued me new cards. Then they had a fraud charge on my account and again reissued me new cards. This seems like a variation on the bait and switch practices I've read about. The final straw was when my mortgage specialist called me, a veteran, on veteran 's day to try an get me to talk about my application. That showed me what kind of organization I was dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Santander Consumer USA Holdings Inc.
State: PR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I cosigned a car loan for my sister and due to lack of payments ; I ended up calling the finance company, which was XXXX bank to repossess the car. Couple to few months later, I received a letter from the bank stating that they sold the car and it was sold for {$4000.00}. From that point, I requested documentation that proved that the car was actually sold for what it was sold for. The car was a XXXX XXXX XXXX, limited edition. All I received from XXXX was an itemized list ; I strongly believe that the car was worth more than what the bank claimed it was sold for. 
I know a creditor may have the right to " repossess '' -- or take back your car without going to court or warning you in advance. The creditor may also be able to sell your contract to a third party, called an assignee, who may have the same right to seize the car as the original creditor. I was never informed about the time and place of the auction or private sale. 
I 'm convinced that the selling price of the car was below the book value. I strongly believe that the bank failed to resell my car in a commercially reasonable manner, and I need answers. 
As of today, I owe more than {$12000.00} and it is being reported in my credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Was victim to fraud via XXXX. Made complaint on XX/XX/20 for two amounts totaling in {$990.00}. Received letter dated XX/XX/20 saying I couldnt get money back. I want to file police report if needed. I cant get ahold of person I sent money to he blocked me. He told me he wasnt going to send money back. I am struggling right now just had baby last week need this money back ASAP.

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 2022-09-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wanted to start joint checking account with significant other, he has an checking account already with fifth third and wanted to make it joint. I was denied for the checking account! This is not a credit account this is a checking account!!! With our money in it that we want to both have access to and cant do that. He came to fifth and third bank and open the bank account for this reason and I cant be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RADIUS GLOBAL SOLUTIONS XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The office of Registered Agent for RADIUS GLOBAL SOLUTIONS From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: TN
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:
My name is XXXX XXXX and I am filing a complaint against Experian and XXXX XXXX XXXX XXXX. An inquiry ( listed below ) was placed on my consumer report without my consent. I filed an FTC report ( # XXXX ) and sent Experian a letter demanding they remove the inquiry. Still as of today the XXXX of XX/XX/XXXX. Approximately 3 months after the initial letter was sent, the inquiry is still on my consumer report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C 6802 ( a ) NOTICE REQUIREMENT Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 U.S.C ( b ) ( 1 ) ( A ), ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given this disclosure to opt out, and I am demanding Experian remove the above inquiry from my consumer report, immediately.

Attachments : the cover letter sent for Inquiry removal FTC report filed Green receipt from Experian I suggest Experian remove this inquiry from my consumer report before I take legal action.

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 2022-05-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CHASE BANK refuses to acknowledge internal policy of disputing charges. I am unable to dispute multiple fraudulent charges after a " payment is made to a company ONCE. '' The FIRST transaction with XXXX was fraud after my phone was stolen. Since business was done with XXXX, at a prior date, and a payment was made, I am unable to dispute any additional transactions, despite the fact I did not make the first transaction with XXXX Especially since they used a mismatched address. But, since I did business with XXXX  I can not dispute the fraudulent transactions? This makes no sense to me and I have gotten no where with the bank since filing the initial dispute. Furthermore they refuse to work with me, passing me from department to department, without any contact names or numbers to try to follow up on these issues. I have spent at least 4 to 5 hours on the phone with chase already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recently last year I was XXXX  from my job and was XXXX  for seven months straight. I During this period i was XXXX  for three months and had no money/income coming in to pay anything. I got behind on this credit card and they closed my account and charged off the debt.The amount that is now owed is {$16000.00} and that is due to the excessive interest they continued to charge me after i told them i could not afford to pay them because of my recent XXXX  job.I was put in a hard place and i dont feel like they were trying to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
At the end of XX/XX/XXXX, I applied for a refinance of my home with TD Bank. When I applied, I had an existing XXXX mortgage and an existing HELOC with TD. The refinance was for cash out, debt consolidation. When I received the loan decision from XXXX, I noticed that the terms I had applied for were changed. I was not notified that the terms I had requested changed - they simply changed. ( My application was to keep & subordinate the current XXXX - their approval changed it so that the XXXX was to be paid in full ). When I contacted them that I did n't think they could change a mortgage applicaiton w/out notifying me, without any indication, they immediately changed it back even though the comment was that I did n't qualify. I closed the loan as submitted. XXXX months ago my circumstances changed. I had a loss in income, I had an increase in other monthly obligations and when I contacted a realtor I found that my house was n't worth near what the appraised value at time of refi was. I contacted TD Bank in XXXX XX/XX/XXXX before I was due or delinquent with XXXX and applied for assistance, for a modification of the terms of the P & I payments for both XXXX and XXXX ( which will soon be both principal and interest that I can not afford ). After weeks of calling with no return phone calls, TD did state that they would roll the late fees into the mtg amount but they would not modifiy the P & I payments. They said I make too much, that the housing is 32 % of my gross income. I told them that if they looked at my residucal income, after I pay the mortgage, I would not have enough to provide myself and my family basic human living requirements - heat, electricity, grocers, a car to get back and forth to work, etc.

Company response to consumer: Closed with explanation