BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-15
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan through Santander Consumer USA. My 60 month loan payment is {$590.00} per month. I opened this account in XXXX 2013 and made the first payment in XXXX 2013. With few exceptions, I always pay {$600.00} to decrease the principal quicker and get out from under this loan quicker. 

XXXX ( XXXX ) payments later, I have discoverred that my principal has only decreased by {$2700.00} despite having made {$12000.00} in total payments. I have also discovered that Santander has taken my entire payment and applied only to interest on XXXX ( XXXX ) different occasions. 

I have called and tried to have this problem remedied and the customer service rep told me she would have the issue resolved and to call back in ten ( 10 ) days, which I did. 

Upon that call-back, I was informed that because my loan had went late XXXX times, they were taking the interest first and that the cost of the loan was just under {$13.00} per day. I told her I would have to be over 40 dyas late for that to be true and she claims that I was - just once. She explained that this was a simple interest loan and that this was how the loan was structured. 

I am not wise in the ways of finance at all, but I do know that my payments have been timely for the past year and that they are exactly where they are supposed to. My loan is current and I know there is no way this loan will be paid off in the 60 months. 

I am no getting any explanantion from Santander and I have spoken with local banks that deal with auto finance and they have recommended coming to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Cadence Bank
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am of XXXX ethnicity, but was born in the US. I have been accepted into a XXXX in TN. I will be making XXXX/year the first year. I applied for a mortgage from Bancorp South for {$230000.00} in XXXX for a house in XXXX. I was originally told I would be able to get a {$250000.00} loan so I stayed in the budget. The underwriter required me to have documents re : my repayment plan for my loans XX/XX/XXXX. I was not due yet, but I applied for a loan consolidation and got an estimate that I would be paying XXXX $ / month. I submitted this information to the underwriter XXXX XXXX and the underwriter required more information. I had planned on the REPAYE plan which is an income based repayment. When I received my loan summary, the underwriter said they needed a specific document indicating how much I would have to repay per month. I then contacted the loan company and they tried to expedite my income based repayment application. As soon as it was completed, I sent it to the bank representative who sent it to the underwriter. The underwriter finally commented that because it is an income based repayment plan that could change as my income increases, they can not give me the loan. I have been living in a motel for 1.5 weeks waiting for the mortgage in order to close the sale of my house. My daughter started school in the XXXX district. I have had to start work living in a hotel. When we speak to the bank representative and the real estate agent, they are flabbergasted. They have never heard of an underwriter doing this. It does not make any sense. The bank representative is appealing this decision. In the meantime, we are a displaced family, living in a hotel which is not financially sustainable for us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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 notified Target in late 2020 that this credit card was opened without my knowledge or permission and reported it as fraud but I have yet to hear back from them. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX and XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) has recognized that I was defrauded and has deleted their entries from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020 in regards to this fraud. I have also found out that there are 7 other police reports that detail her as the suspect of fraud / theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I had recently made settlement arrangements with the recovery department of Santander for a car loan that defaulted last year. I had fallen onto a period of financial hardship due to unemployment and was unable to make my payments. While the settlement agreement was resolved amicably, they have not yet sent me receipt of payment and more importantly, they have not issued the title to the vehicle. This puts me in a very unfortunate position as I am trying to register the vehicle in my state and they are preventing from doing so without the original document. Without registration, I am unable to acquire insurance and thus legally maintain the vehicle. I have made several attempts to contact the company to resolve this issue and keep finding that the date they will issue the title gets pushed further back. My last communication, a representative from the office of the president, curtly responded that " I went this long without making a payment, than I can wait this long without the title ''. I am trying to do the right thing, by paying off the debt, and abide by my local laws. I feel that this company making efforts to reprimand my delinquency but consequently preventing me from accomplishing this goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CarMax, Inc.
State: PA
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:
CarMax refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all XXXX bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2016-05-03
Company: Williston Financial Group
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I sold my home/condo and I signed documents outlining how much would be deposited into my bank account the next day. I provided information for the bank wire to XXXX XXXX. 
I informed my finance rep the amount and when the amount was received it was different. 
I asked my realtor what the difference was and they had no idea. My realtor called the title company. They told my realtor a calculation was wrong. I asked for a copy of the new calculations as this document would not have my signature on it. I requested a phone call for explanation as to how they could just change the dollar amount that I signed and agreed would be deposited into my account, and why was my finance rep telling me of this difference and not the title company. The rep from the title company apologized and said they were really busy. She said the document I signed was an estimate and I said there is no reference to the word estimate on what I signed nor was that explained to me at my signing. She said she would follow up with me after she reviewed the docs and she still has not been back in touch. I will attach the documents. I feel they owe me the {$1000.00} difference, this was their mistake not mine and they have been unprofessional in handling the error. I feel they were sneaky changing the docs and not disclosing anything to me. I expect WFG National Title Insurance Company of XXXX XXXX, OR to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN 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 2016-12-06
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX called me regarding a debt that was not mine it was an identity theft. it was over XXXX years ago or more. they threatened to put a lien on my current cc. they called my XXXX mom, sister, work and harassing me none stop.. they are rude. they know my minor child name, school she attends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Is reporting that my account is open and has a balance of {$24000.00}. This was discharged on XXXX XXXX, 2015 on my Chapter # XXXX Bankruptcy. It should be changed to account closed with XXXX Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Paypal forces consumers to add a checking account to verify their identity. Once a checking account is linked to a consumer 's Paypal account, Paypal makes this account the default account where they take money from to pay for transactions. There is *no* way to change it. " One can not make a credit card account their default account after linking a checking account ''. Paypal does this to make extra $ $ by not paying credit card commissions and keep the 4 % themselves. 

I was careful to check and change the account to credit card account whenever I made transactions. However, I missed to change the account in my last transaction and Paypal took the money from my checking account and my bank account was overdrawn due to this. Bank charged me an NSF fee and I received a scary letter that my account will be reported to XXXX and Credit bureaus due to NSF. I did not check this bank account since I linked an account that I do not use often and do not keep any money to Paypal. I chose an under used account since I was not comfortable linking my active checking account to Paypal. 

I deposited money to my checking account and Bank was nice and refunded the NSF fee but Paypal must have damaged credit scores of a lot of customers due to Paypal 's greed. 

If transaction gets declined due to NSF, Paypal will keep trying every day or every other day to debit the money which will rack up NSF fees for the consumer. Banks often pay Paypal debits even if an account does not have overdraft protection to avoid this NSF hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get calls from some collection agency which refuses to identify itself asking for someone with a similar name to mind. I refused to give my Social Security Number and the address they gave me was not mine. When I asked for the name of the company and how they got my phone number they refused to respond. They eventually put me ion hold and never returned. I recently had similar problems which was reported to the XXXX credit bureau agencies and is on record. Their phone number is XXXX They gave me XXXX different names for their company. Please make sure they do not make any false reports to XXXX parties and investigate their practices.

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 2015-10-01
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had my banker, XXXX XXXX ( sp? ), update my debit card for international travel. He told me the card was outdated and he would have a newer, updated one sent to me. He never asked me to complete an application nor did I sign any. Three weeks later I received a new CREDIT CARD with a high credit limit. I called immediately to have it canceled and get guarantee this card would not appear on my credit report. The operator assured me they would cancel it and it would not appear on my report. It is canceled but it is on my report. I did not apply for a credit card, I was lied to and deceived by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: BB&T CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX and again XX/XX/2016, I attempted to make an online payment to on my car note with Regional Acceptance Corp - RAC - ( an affiliate of BB & T Bank ). I tried a number of times. Each time I received an error message of sorts that indicated that I was unable to make a payment. On XXXX/XXXX/16 I called an RAC branch office in XXXX, NY as directed by the error message. I spoke to XXXX at XXXX who advised me that RAC has blocked my ability to make free, convenient online payments because my payment is late. Stunned by this blatant discrimination against consumers that fall behind, I asked XXXX if that is RAC 's policy and she assured me that it is their policy to offer the " convenience '' of free online payments to customers whose accounts are up-to-date ( not late ). I told her that I have made a number of online payments in the past despite my account being late and she basically called me a liar. I asked XXXX how that policy makes any sense whatsoever and she very robotically repeated RAC 's policy. RAC purposely and maliciously is blocking consumers ability to make free, convenient online payments if they are behind on their car note!

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 2021-06-17
Company: WELLS FARGO & COMPANY
State: MN
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've sent multiple letters to XXXX in regards to 4 negative items that are listed on my credit report, and they have completely disregarded any of my letters by stating that the information was verified. I have sent my dispute letters, priority mail express, notarized, certified mail with return receipts, which I have attached along with copies of my request. They keep replying back that they verified these items, but still have yet to provide any evidence or documentation of their investigation. 

First dispute letter sent : XX/XX/XXXX Second dispute letter sent : XX/XX/XXXX Third dispute letter sent : XX/XX/XXXX ( under investigation ) XXXX I have even tried contacting 2 of the collection / credit card companies asking them to validate my debts. XXXX & Wells Fargo both sent me letters back stating they weren't able to complete my request because it didn't have enough information or matched their records. They both asked me to sign and send back their letter with information to verify my identity along with my ( highlighted ) credit reports and social security number. Which I had already did when I first sent my debt validation letters to these companies. Which were notarized by the bank proving my identity to begin with. The first debt validation letters were sent XX/XX/XXXX to Wells Fargo & XX/XX/XXXX to XXXX which I have attached their responses along with delivery signature confirmations for both companies signing. 

I've sent my original letters back on XX/XX/XXXX again with my social security, copy of disputed highlighted items to Wells Fargo & XXXX which is pending investigation due to their stalling. 

The company that is my account is XXXX XXXX which I've sent XXXX a copy of my XXXX results that clearly shows my account is current, paying as agreed, on time, no late payments or repossession. I've uploaded a copy of the results that I have received from XXXX, yet XXXX is saying they verified and updated the item. 

These items are negatively affecting my ability to obtain new credit and as well a home mortgage, I am not able to enjoy the benefits of great interest rates due this erroneous reporting. I hope that XXXX  will delete these inaccurate items and send me updated reports for my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: EQUIFAX, 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX i have not given any of these companies written permission to run my credit i have asked Equifax to remove these inquiries several times and know response

Company response to consumer: Closed with explanation