BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: College Ave Student Loan Servicing, LLC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Someone used my SSN and other info to cosign a loan application through College Ave. When I found out, I contacted College Ave and let them know that it was a case of identity theft and I had not actually authorized this individual to use my info. Fortunately, the loan application was denied and no funds were disbursed. However, I still filed a police report for identity theft with the XXXX Police Department in Michigan Report # XXXX, Contact XXXX XXXX XXXX XXXX XXXX to verify ). I requested a copy of the application from College Ave so I can use it to support my police report and they refused to provide it, despite the fact that it was made using my information. As a result of their refusal to provide a copy of the application, College Ave is preventing me from seeking justice for having my identity stolen and used to fraudulently secure a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For the past several months I have be in touch with Transunion consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Transunion numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question.Transunion has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Transunion has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.

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 2016-05-31
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received several calls in regards to an account I co signed on for a friend that was ultimately charged off after non payment. I was told that the people calling were with a law firm but would not state where from. I did not receive names either. I was only told to get ahold of Chrysler capital and begin to make payments or legal action would be taken against me and I was assured I would go to prison, I was told I would serve " a dollar for every day '' I owed. I dug deeper and I came to find out that my account has not been sent to a collection agency. So who else other than Chrysler Capitol would be calling me saying these things? Who else has a motive? I am in XXXX and am very sick and living off social security wages and am barely making ends meet. I have received roughly XXXX or XXXX calls in this manner. It is too much too handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm making claim that Portfolio Recovery Associates in regards to alleged debt [ Account Number XXXX Balance : XXXX ] has violated my rights as a consumer and has failed to comply with provisions of the subchapter { 15 US Code 1692 }.

And in { 15 US Code 1692 ( k ) } ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

So since I have been greatly injured and has cause me and family great harm ( in attached documents you can see violations and other forms of injury ) by law I that shown above I'm entitled to remedy so I demand that all information be removed from my credit file and all schedule fees due to me be paid in full. My invoice was enclosed in the affidavit I sent to them and it is attached as well. My Mailing information was also in affidavit so they can send payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a housing counselor. I have helped a client obtain a HAMP modification on their Ocwen loan. It is not a GSA. Mortgage payment is great. But in reading over the permanent loan modification agreement, I noticed a discrepancy as referred to the Principal Balance Deferment. The homeowner owes around $ XXXX on the home, approximately $ XXXX will be the Principal Balance Deferment and remaining balance of over $ XXXX will have interest of 3.25 %. In the Balloon Disclosure, the principal balance deferment was over $ XXXX. When I asked for an explanation, I was told by a supervisor that the additional $ XXXX was interest that Ocwen would have gotten over 40 years on the principal balance of $ XXXX at 3.25 % which they will not collect because the modification has a maturity of 20 years. No where in the loan agreement was it ever mentioned how they came up with this figure. In fact they refer to the figure as " Deferred Principal Balance Due on Maturity '' and show the amount starting and finishing at over $ XXXX. In the loan agreement they also refer to the {$23000.00} as the " New Principal Balance '' which shall be deferred ( Deferred Principal Balance ). In asking why there is not explanation, I was told that they use " generic '' papers and do not have any place to explain what they are doing. In getting this explanation, I had already escalated the call to a supervisor. After the explanation, I submitted something by fax to the " Research Department '' since I wanted something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I believe that I am a victim of predatory auto loan. I was not qualified to get a car at the time that I was looking but the sales people assured me that they would be able to get me a car no matter what. I did not have income at the time of the loan so they used my boyfriends income to make it look like I had a source of income. Is that not fraud? I was in a desperate situation at the time of the loan and I believe they took advantage and knew I was going to be stuck in a loan that I could not afford. My contract was never explained to me and no options where ever presented as far as interest rates, term, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I paid my account balance in full. Now I have been invoiced {$15.00} stating that is interest due from XXXX through XXXX. I am paying the {$15.00} but think it is unfair and unexplainable. Capital One ( Venture card )  account # XXXX was paid the full account balance of {$910.00} on XX/XX/2020. How is it that a month later they find another {$15.00} due. I attempted to resolve but the attitude was uncaring. It isn't the amount, obviously, it is the principal. I have ALWAYS paid on time and more than my payment amount due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: NC
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:
I received an alert from my credit file advising that my account was reported 90 days late. Per my credit history, the account was current prior to the 90 day late payments twice XX/XX/XXXX and XX/XX/XXXX ). The account has been reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On or around XX/XX/2022 I requested all 3 consumer credit reports. XXXX verified my identify immediately, TransUnion indicated they could not identify me, and XXXX simply rejected my request with the same response " We could not identify you. '' TransUnion sent me a post card on XX/XX/2022 indicating that someone had tried to get my credit report. They asked for two forms of identification. I sent them my VA Real-ID Drivers ' License and my social security card. 

No response. I really need to get these credit reports.

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 2016-08-09
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
my statement says total amt, due XXXX..my monthly payment is XXXX..plus late charges XXXX. ( .i was told there was no interest on late charges .... ) you can check your quality assurence recordings for this ... so XXXX -XXXX= XXXX XXXX-XXXX= XXXX left what is this XXXX for and am i paying interest on it ( if so what is the % ) ..and if so, how much interest has " accrued '' ..and how much charged on a daily basis? is this reflected in my '' estimated " payoff balance?. or are you going to tack this with interest on to end of loan like I 've seen so many people complain about? your numbers are shady and I 'm going to keep disputing them every month if need be

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2022, Refer to complaint # XXXX - I requested XXXX  XXXX  to provide me with the validation of debt Ietter that is required by law, section 809 ( a ) of the Fair Debt Colletion Protection Act. Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must send a written validation notice unless the information is contained in the initial communication or the consumer has paid the debt. XXXX did not communicate with me through mail do to the fact the address they have on the validation of debt document is not my address and the address IS NOT on my credit reports. I request a reinvestigation of XXXX XXXX. XXXX  XXXX  state that they mailed me a validation of debt letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The address that XXXX XXXX has on the document is NOT on my credit reports. I have attached the letter XXXX XXXX sent to the Consumer Financial Protection Bureau as evidence. I have downloaded the document and will keep a printed copy. XXXX  XXXX  have violated the laws 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692c - Communication in connection with debt collection - I have asked XXXX  to cease communication with me, but they keep sending me documents. If XXXX XXXX  Experian continue to report this inaccurate information they are breaking these Fair credit reporting act laws.1681. Congressional findings and statement of purpose,1681b. Permissible purposes of consumer reports,15 U.S. Code 1681c - Requirements relating to information contained in consumer reports,1681d. Disclosure of investigative consumer reports 1681e. Compliance procedures,1681g. Disclosures to consumers 1681h. Conditions and form of disclosure to consumers 1681i. Procedure in case of disputed accuracy,1681m. Requirements on users of consumer reports. I HAVE ATTACHED THE XXXX  XXXX  DOCUMENT SHOWING THE ADDRESS.

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 2016-04-18
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
RE : Santander Consumer USA - Account # XXXX To Whom It May Concern : I am writing this letter to in regards to my car loan with Santander Consumer USA. I am concerned that when I submit my payments the correct amount is not being applied toward my principal. For example my XXXX payment of XXXX was due XXXX XXXX, XXXX and the payment posted on XXXX/XXXX/XXXX. When reviewing my payment history XXXX was applied toward my Interest and {$31.00} was applied towards my principal. 

Original Loan Amount : {$15000.00} Interest Rate : XXXX Loan Started on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Yesterday, XX/XX/2022 I was at the grocery store after a doctors appointment when I received a call and the person claimed to be a XXXXXXXX XXXX representative. 

He stated that my utility bill was overdue and that my utilities would be canceled in XXXX minutes if I dont pay electronically today. 
I was out of town for a period of time and I thought my utility bill was paid automatically but I know sometimes that can get screwed upso, in my mind the bill couldve been due The person instructed that the only way to pay was to use the cash feature on my XXXX XXXX XXXX checking account app. called Zelle. I never used this cash service before. The person assured me and said, he could walk me through getting a confirmation to allow to use this Zelle cash service. 

He instructed me to pay the outstanding balance of {$260.00} from Zelle and take a screenshot of the transaction and send it to phone number he provided I texted the payment complete along with the screenshot to the scammer. 
After a couple of minutes he said he didnt receive this text and to resend it. 
I had received a text back from that number saying they did not receive the payment from Zelle. So, I went into my checking account again duplicated the payment and resent it. 

I was in the grocery store for almost 40 minutes trying to figure this thing out.

I called the phone number that the scammer called on and I got my utility company customer service! 

I asked the customer service person what was my balance on my utility account and she said it was current. 

I tried a third time to get into my XXXX checking account by this time they locked me out of my account. 

I called XXXX customer service fraud using Zell filed a report and they stated they can not refund my account.

What a rip off and something has to be done to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I just received a summons regarding being sued over an old credit card debt which appears to have been sold to another company. 

My husband and I are both permanently XXXX, and our only source of income is judgment-proof SSI and Social Security. We are unable to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: MRS BPO, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received two notices from companies claiming to be trying to collect a debt of {$490.00} for a XXXX account. I 've never had a XXXX account. Attached are copies of the documents I received. 

Thank you XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
hi there, I sent {$150.00} on XXXX XX/XX/2022 to my friend in XXXX via XXXX. On XXXX XX/XX/2022, Remitly showed the money has been delivered to the desired bank account while my friend had NOT received it in his account. So I contacted Remitly using the reference number to see why my money has not been transferred? The agent who was chatting with me said although the name on the account is correct, there was a typo on the account number and the money has been transferred to another bank account! ( it was weird for me how is that possible? when the name and number don't match! ) So she said she's going to contact the bank and ask for a refund then we can re-send the money. she said it's gon na take 7-10 days, I shouldn't contact them and they will reach out to me shortly. 
Remitly never reached out to me and I didn't receive my money. So for the 2nd time, I contacted them, this time via phone. ( I think it was at the end of XXXX that I called them ). Another agent said I'm going to contact the bank right now and you will receive your refund in 7-10 days from now. Again, nothing happened. 

After the 2nd try Remitly still didn't contact me. After about 10 days ( after the 2nd try ) on XXXX XX/XX/2022, I contacted them again, and the new agent said I'm gon na write an email to the bank and ask for a refund and it's gon na take 7-10 days for you to receive your refund.

I do not trust Remitly now, I don't think they took good care of my money and I really don't understand how they could make a transaction to a wrong account number while the name doesn't match and why they are not able to contact the bank in XXXX and get my money back? 

I'm filing this complaint against Remitly because I believe they are not doing anything to resolve my issue and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX . How I could owe $XXXX when I never received the card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are XXXX, Transunion and 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