BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In  XXXX  of  XXXX , I purchased a  XXXX   XXXX   XXXX . The loan holder, is  Santander USA . During the life of the loan, late payments were submitted and I requested   XXXX   deferments which understandably extended the life of the loan. In reviewing the contract it states that if a payment is late, the customer is required to pay 5 % of the payment that is late.   My car payments are {$360.00} per month. Santander claims that interest accrues daily and additional interest accrued due to the late payments. However, the contract does not indicate this. Furthermore I have never received written documentation supporting their claims. Presently, my account is current. On  XXXX   XXXX ,  XXXX , I contacted Santander to clear up all fees reflected on my account.. {$210.00} in late fees and a {$20.00} misc.fee. I paid an additional {$10.00} for the representative to process the payment. Thinking that the payment was applied to the late fees, I called and found out that it was not. Three additional calls was made and the payment was not applied. I was informed a supervisor would return my call ; and of course they did not. It was not until my fourth attempt that I was told that a request was forwarded to Santander 's accounting department to apply the payment towards the fees and to wa it 48 to 72 hours for   the adjustment. This incident is noted in my complaint to be used an example of the lack of, professionalism so within this corporation. However, during the call, I asked the representative, whose service was far more professional than usual. I asked her the same question that I have been asking over several months, and no one seems or wants to answer. My question : To satisfy the loan, when is the last payment to be submitted? Her answer :  XXXX   XXXX ????? How? My payments are current and not in arrears. Although their system reflects that my maturity date is  XXXX   XXXX , that date includes the requsted deferments, how do they substantiate the additional 10 months of payments? A previous complaint was previously submitted to the Better Business Bureau where no resolution was made. Other than late fees which amounted to {$210.00}, why should Santander receive an additional {$3600.00} give or take due to late payments? As of the beginning of  XXXX   XXXX , my remaining principle balance was {$8700.00}. Why?  Santander h as been applying my money to satisfy unexplained interest fees rather than applying the money to my principle balance. At this point in the loan, they have received above the requested amount of interest that is stated in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have communicated with UWM numerous times regarding the incorrect balance in my escrow account. The correct amount should be {$3000.00}. My most recent mortgage statement dated XX/XX/2022 reflects an escrow balance of {$2800.00}. The online system as of today, XX/XX/2022 reflects an escrow balance of {$2800.00} as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has frozen the funds in my business account for over 2 weeks. They did so by placing a pending debit of - {$880000.00} on XX/XX/XXXX of this year. 

The amount held is over {$16000.00} I have called the customer support number only to be transferred into oblivion. 

An in person visit has yielded the banking rep calling in to corporate, who tells them there is nothing that can be done and no time limit nor estimation has been given each of the six times I visited in person in that branch. 

They have given me no explanation other than there is an " ongoing investigation '' and I have gotten a lawyer to formally write them a letter asking them to explain themselves. 

Your help would be appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never late.

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 2021-06-06
Company: Experian Information Solutions Inc.
State: GA
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 filed a previous complaint against Experian in complaint number XXXX. 
I explained that someone has used my personal information to open an account with XXXX. I have never had anything from them. My purse was stolen a few years ago with all my personal information. I explained to Experian that this is not my account they keep saying " verified '' when it's not mine at all. I can't believe how hard it is to get your credit reports corrected after a person has ruined your life and taken your identity. I am filing this complaint because I feel like Experian is not trying to help me at all. It is like they are just giving me a script response each and every time. This is stressful enough that this happened but now to be punished for something that I didn't even do. 
After submitting that information they responded they need authorization from me. The authorization was provided when I called them and told them that they are reporting a fradugelent account. They are sending computer generated responses not to delete this account. Please again I am asking this account be deleted.

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 2018-05-15
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:
XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.

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 2018-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The sign up bonus is XXXX points after spending XXXX within 3 month for XXXX XXXX credit card. 

I applied the card XX/XX/2017, met the requirement but never got the points. Called BOA and the rep think i should get it but has no authority to award the points so created a case. 
The case never solved. 

Called the 2nd rep 3 month later and had another 'case ' created, at the end they said i did not met the requirement. I complained but never heard back since then. 

i never thought contacting CFPB until now.

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 2019-03-28
Company: Aurora Financial, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We bought our house in XX/XX/2018 loan from Aurora finance, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from Aurora. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280  points because of this. 

We have this complaint against Aurora finance for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My house received damage from Hurricane Ida. I spoke with PennyMac about my options and I was told that I could go into a disaster forbearance program and at the end I would be able to keep my interest rate and the payments would be placed at the end of the loan. During the process, I asked very specific questions about the program and the responses that I received were very vague. I recently completed the repairs on the property and spoke with PennyMac about coming off of the disaster forbearance program. I again asked specific questions about the next steps and was again met with what seemed to be intentionally vague answers. As short time later, I received a letter saying that PennyMac would be raising my interest rate to 5.60 %, despite everything else that I had been told by PennyMac representatives. I paid down my interest rate at closing to 2.25 % and now PennyMac appears to be trying to find a way to unfairly cost me more money.

If I had known that PennyMac was going to increase my interest rates so drastically, I would have never entered into the forbearance program. This seems like an intentionally deceptive practice by PennyMac. Every representative that I spoke to seemed to make every effort to be as evasive as possible as to the details of the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion displays innacurrate employer on credit report. Keeps. reappearing

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 2017-09-03
Company: STERLING JEWELERS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Debt was paid in 2015. Legal agency called from XXXX stated they put out a warrant for my arrest regarding paid off debt. I explained to female at agency it has been paid off. She stated that she would n't be calling me if it was, demanded I take care of total immediately, stated she had list of friends and relatives phone numbers & would call them stating I owed the debt & ask them to pay it for me and then stated she was calling DMV to suspend my drivers license.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: WI
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 XXXX Account XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX Account, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX Account XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX  XXXX Account, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-08-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested kindly that CREDIT ACCEPTANCE CORP provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and CREDIT ACCEPTANCE CORP. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. CREDIT ACCEPTANCE CORP is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX XXXX. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by CREDIT ACCEPTANCE CORP should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also had a fraud account from CREDIT ACCEPTANCE CORP for account XXXX as I have never had an account of done any business with his company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Absolute Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please be advised this is my second complaint about Absolute Recovery Services , LLC. As stated in my previous complaint Absolute Recovery Services , LLC is violating the FDCPA by attempting to collect on a debt which is PAST THE STATUE of LIMITATION. The account became delinquent in XX/XX/XXXX and there have been no recorded payments on this account since XX/XX/XXXX. Furthermore the terms of this contract expired on XX/XX/XXXX. In addition this account is not accurate and complete. There is hand writing deleting specific account transactions and hand writing indicating an amount owed different from mathematical calculations generated in the computer. The amounts seem arbitrary and inconsistent. Finally Absolute Recovery Services , LLC is not license and bonded to collect in my state. By continuing to report this account to my consumer credit report and attempts to collect on this account are a violation of the FDCPA. This account is past the statue of limitation, not accurate and complete, and Absolute Recovery Services , LLC is not licensed and bonded to collect in my state.

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 2022-07-18
Company: EQUIFAX, 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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
When I applied with XXXX University my expected graduation date was supposed to be XX/XX/XXXX so my funding package was created ahead of time until that date. When XX/XX/XXXXcame around I noticed that I still had 3 classes left, so when I got a call from XXXX stating that I needed to schedule a exit exam because I was about to graduate I asked how that was possible considering I still had 3 classes left. The person I spoke with looked into it and said someone else needed to call me back. I then received a call a few days later from my academic advisor stating there was a mistake and somehow my file ended up in theXX/XX/XXXXgraduation pile which mind you, my enrollment forms and financial forms all have XX/XX/XXXX as my graduation date. So she said that would request an extension for my financial aid coverage which she then told me was approved and I would be covered for the last 3 classes. I then received a call from XXXX towards the beginning of XX/XX/XXXX stating that there was a mistake with my financials and my last class would not be covered and it was going to be {$2000.00}. I explained that I did not have money and was told I would be covered so then XXXX  academic advisor then told me to apply for a private loan which I did not think I would be approved for since my credit was already bad. She stated that she knew for a fact I would get approved if I applied for XXXX XXXX XXXX XXXX, which I did apply and I did get approved but of course there was an error on their part again and she told me I only needed to apply for {$1300.00} and the difference would be taken care of but I guess XXXX XXXX XXXX XXXX has a minimum loan amount of {$2000.00}. So I had to reapply again which was 2 credit hard inquires that I took. I then failed my class and asked for a substitution class within that same category and I was told there was no way I would be able to by the Dean via email. I was then told that my only option was to withdrawal which I asked for the forms and emailed them back due to the financial fraud that was conducted. I started receiving statements from XXXX XXXX XXXX XXXX on XX/XX/XXXXand I made the first payment but by the next statement I realized that XXXX XXXX XXXX XXXX was taken over by the company XXXX XXXX XXXX so I did some research and XXXX is a financial company within XXXX which I was originally told it was a separate financial Loan institution. I have all the fraudulent financial information and current billing statements. I do not believe i should be responsible for this out of pocket expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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 information incorrect

Complaint:
I have disputed this Inaccurate reporting with all three credit bureaus Equifax, XXXX and XXXX. Each time it comes back as verified but the information is still incorrect. I have contacted the Original Creditor XXXX XXXX XXXX as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XX/XX/XXXX Payment History show as 60 day late for XX/XX/XXXX.
Date of First Delinquency show as XX/XX/XXXX Credit Report show 30 day for XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was contacted by XXXX XXXX several time in threatening ways to attempt to repay private  student loans that I did not even know I had with them. This was after they began harassing me over my federal loans that I did sign for and had since moved to a new servicer who has been more than fair about my federal loans. 

However, I do not recall signing for any private loans and there are many of them reflecting in my account on XXXX XXXX. ( I was later informed that XXXX was under investigation for fraudulent loan practices. ) And, while I was willing to try to work out any repayment plan with XXXX XXXX that I could afford on Minimum wage, since I never graduated or was even able to get a job in my field, XXXX XXXX  kept threatening me and demanding that I pay them thousands of dollars to them immediately. 

I attempted to get a legal team involved with all this, but have now been informed that they have been taken to court of fraud as well.

Company response to consumer: Closed with explanation