BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Synovus Bank
State: IN
Product: Credit card
Issue: Privacy

Complaint:
About two weeks ago I merely started an online application with First Progress, a XXXX secured credit card company. I did not finish the application. I did not make a deposit. I did not fund a secured card. I did not open an account. I did not receive a credit card in the mail. Yet I found out that First Progress intends to send the private and personal information in the application I did not finish to the credit reporting agencies. This is a breach of privacy. Especially since I did not finish the application, did not make a deposit, did not fund a secured card, did not open an account and did not receive a First Progress secured credit card in the mail. When I finally managed to find an actual working phone number for First Progress I explained the situation and I was told that they will forward my information to " only the XXXX major credit reporting agencies '' anyway. The XXXX time I called I asked for an email address to contact them about a serious privacy issue in writing, and I was told that First Progress does not have a customer service email address but I could have the number to someone else to see if they knew the email address because " they 're, uh, they 're like corporate. '' That number turned out to be a fax number. I called back, got nowhere and ended by informing them of my decision to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I sent a check to Santander Consumer USA Inc . It was returned to me because they say the check was damaged. However, if you look at the copy of the envelope they scanned and provided to me, it was not damaged. 

The check literally was cut with scissors to remove the number XXXX in my checking account number ; tape was applied. They sent it back saying my check was damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: World Acceptance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello! I have struggling to pay the installment loan off but, it keeps going up hirer ( balance ). I'm recently been added 29 % interest to loan. Also, they just now started charging XXXX for late fees. This is apart of our original loan agreement! With interest extra and late fees how will I ever get loan paid? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my father passed away and left the house that he had a mortgage on to me in his will that went through legal probate and the house was transferred to me through the courts. My husband and I never re-financed the loan into our names for we were not informed to do so it was my thought the mortgage would be legally put into our names by XXXX who at the time has the servicing of the loan. They informed us that we could do a loan modification and then after a few months told us that was not possible because we were not on the loan, then they suggested assuming the loan and again after a few months told us the at loan was not assumable. The Truth-In- Lending only states not assumable by a buyer, we were not buyers but legal heirs by law. Then my husband and I filed Ch XXXX Bankruptcy to avoid foreclosure by XXXX. Then it was sold to Select Portfolio Servicing , Inc, and we have dealing with them now for 2 years and getting the same run around. We hired a company to help us with reconstructing the loan into our names at a lower interest rate so that we could start making payments. We were not making payments for the mortgage was under a deceased persons SS # and we would not get the interest tax break. It was not for a lack of trying to get this loan into our names. Now SPS has set a foreclosure date for XXXX/XXXX/XXXX and will not postpone even though we received a letter on the XXXX or XXXX of XXXX telling us they have receive our inquiry and would be contact with us within 20 days of receiving the information which would be the XXXX/XXXX/XXXX. After speaking with a manager of SPS along with an analyst of the company we hired to help us with this we were told the sale was going forward on the XXXX and that the letter we received is a computer generated letter that is printed whenever data is entered into the computer that new documentation has been received. This is a deceptive practice on the part of the loan servicing bank and should be illegal. This gives the people facing foreclosure false and misleading hope. Even the XXXX the analyst with the company that we hired agreed. Our house is still for foreclosure on XXXX/XXXX/XXXX and SPS had the power to stop it to look over the documents and did not do so. This is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage is serviced by Wells Fargo. My loan was originated by Wells Fargo in XX/XX/XXXX. Our monthly payment includes escrowed amounts for property taxes and insurance. On XX/XX/XXXX I received an email from my insurance provider notifying me that my insurance payment was past due ( due XX/XX/XXXX ) and to contact my mortgage servicer. At the same time I paid my insurance balance in full just in case. The XXXX XXXX XXXX website indicates the insurance is to be paid by lender and the Wells Fargo website has my complete policy information that hasn't changed for the duration of my loan. 

On XX/XX/XXXX I called Wells Fargo to request to be taken off escrow and to be refunded the escrow balance attributed to my insurance that I already paid. I was notified that the bank was in process of force-placing insurance because they said they hadn't received new policy information from XXXX XXXX. However, in a matter of minutes [ and without me having to provide any new information ], the agent on the phone was able to confirm with me that he has the updated XXXX policy information. He cancelled the forced-placed insurance policy that was in process of being placed on my account. I was never notified that Wells Fargo was missing any information or that insurance was being force-placed on my account. The agent on the phone indicated there was some " business to business '' bridge that mortgage servicers and insurance companies use to share information and this was the reason for the payment delay on Wells Fargo 's side. 

My complaint is that if this is happening to me, this is likely happening to thousands of other customers. Improperly placing " force-placed '' insurance will increase the homeowner 's monthly payments, likely causing some homeowners to miss payments and ultimately lose their home. I believe Wells Fargo has already been found guilty of these practices. I consider my matter resolved but I am concerned for the well being of other homeowners. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Overlimit fee

Complaint:
Hi based on Bank of America overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on XXXX for XXXX, XXXX and XXXX and a late fee for XXXX XXXX, each of them in the amount of {$35.00}. It was only XXXX late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since XXXX, on XXXX I proved enough for my loyalty besides them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank of America has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank of America is gaming the system to punish me for beating them in the courts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2016-08-03
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My monthly payment for my car is {$390.00}. On the payment form is a space for " Additional Principal '' so in XXXX I wrote " {$300.00} '' and sent a check for {$690.00}. They applied the extra amount as a partial XXXX payment of Principal and Interest, and have sent me a bill due on XXXX XXXX for {$480.00}, which the operator said includes a penalty for paying part of XXXX " late. '' In other words, it will be late by XXXX XXXX. I asked over the phone to have the {$300.00} applied to principal, and she said the only way that would happen in the future if I cleared it on the phone BEFORE I sent it. I repeat, the bill has a space to fill in " Additional Principal. '' I wish I had the money to just pay this off so that these folks never earn another dime on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In 2012 I took a car loan of {$18000.00} with Santander Bank after 4 years I still own {$15000.00}. I made XXXX payments of {$450.00} a moth and all my payments goes to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Benuck & Rainey, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2015 I was contacted by this collection agency who wanted me to pay a bill for radio station air-time. I never ordered radio station air time ( my son owns a bar in XXXX and he may have, but I never did, have no connection to the bar or the radio station ), and asked them by phone and mail to cease calling me. In XX/XX/XXXX they called again. I sent a XXXX General Law 93A letter, by certified mail demanding they stop. I see they are checking my credit burea report. I complained to the XXXX XXXX Police Dept and they were told they stopped calling me when they got my XX/XX/XXXX letter ... an untruth to Police. So, I want my complaint heard, investigated, and some administrative action taken against them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the items was deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2017-01-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer USA is practicing unfair loans, they add interest to your car daily along side the interest that 's already added. They also make it where if you pay on time, that they find a way to get your payment late to add interest, please help do something about this company im begging you ive paid XXXX dollars on my loan and only XXXX dollars of it has been applied to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The site XXXX wouldnt work and did n't give me my XXXX or experian reports and the companies wo n't help me. They provided me with the number XXXX which I was unable to connect to a human being which is unacceptable.

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 2021-01-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Three unauthorized out of network atm withdrawals were made with my bank which is Chime bank/XXXX XXXX The first transaction was made on XX/XX/XXXXin the amount of {$1000.00} at an out of network bank which was XXXX XXXX in XXXX Florida. The second and third transaction was made at the same atm the next morning XXXX first amount was {$300.00} and the next amount was {$700.00}. I contacted the bank filed the disputes, cancelled the current debit card and transferred me remaining funds to my other bank. The bank informed me on XX/XX/XXXX that they were not refunding my money and were closing the claim. I called and spoke to a Supv in the dispute dept she advised there was nothing they could do and would send me out the details of the investigation and also advised that they would not pull the security cameras at the bank. I then called the police and filed a police report, gave the bank that information and the officers name then today XX/XX/XXXXthe bank advised that they still would not refund my money and the investigation was closed. I have been a long time customer with Chime, Im very upset and disappointed that Im being treated this way as one of their customers. I have emailed, called and I get the same answer there is nothing they can do. I dont feel they are thoroughly looking at my claim and I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: SinglePoint GI
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I owe money to the university of XXXX. I was contacted by general revenue corporation in XXXX to collect on this debt. I didnt know I had the right to dispute it. I did ask for an itemized invoice of the debt and received one. We made a payment arrangement plan and I was told the longest I could extend the payments was 7 months which seemed weird to me. They told me originally it would need to be paid all at once, then in 3 months, until I kept saying I couldnt afford that and got it pushed back to 7 months with weekly payments of {$78.00}. I have been paying this debt since that phone call In mid XXXX. Now, due to the coronavurus, my hours have been cut at work and I can no longer afford the extra $ 300+ A month. I have contacted the company numerous times through calling the number they gave me, the number on their website, and submitting multiple inquiries online through their website. Their office is currently closed and I cant get a hold of anyone about this and Im terrified Im going to be in more debt and wont be able to afford my other necessary bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I ordered some products from XXXX XXXX. Four shirts, two earrings, two pairs of shoes, two pairs of earrings and a headband. They couldn't fulfill one of the shirts so they refunded it. When I got the package there was only one item in there... Pair of shoes. I emailed XXXX XXXX  and they said they would refund it and I opened a dispute with PayPal. PayPal is making it very difficult to get my money back, Even though the company said they would refund me. I sent PayPal all the information including the email. PayPal asked me to file a dispute with either the police department or the Iowa attorney general. I filed it with the Iowa attorney general and sent them the information. Still have yet to receive my refund even though I explained to them. I need the money. I needed clothes and I need the refund in order to do that for the stuff I didn't receive. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they don't care!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have given the authority make these inquiries Please have them delete these from my Experian credit report Thank you very much Alert Type New Inquiry Processed Date XXXX/XXXX/2015 Creditor Type Complete Department Stores Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name 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 2015-06-05
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I use, because I am offered no option, a debit card managed by PNC Bank for the unemployment compensation I currently receive from the state of Indiana. I have no desire to ever use a debit card. I believe they are intended to facilitate the fleecing of users in as many ways as possible as evidenced by the initial practice of banks to allow users to exceed the available balance only to be charged exorbitant overdraft fees for having exceeded the available balance. There is, apparently, a charge of XXXX cents automatically deducted from my balance should I dare to call the XXXX number listed on the card, even when just to use the automated system to verify I have kept proper track of the balance. When I discovered XXXX cents had been deducted from my balance, I called the number on the card and spoke with an operator. For this I was charged another XXXX cents. I was told, effectively, 'too bad ' when I argued the charge was NOT disclosed on the card where the phone number appears and nor had I been made aware of it at any time in the past. I said this constituted fraud and I asked to speak with a supervisor and was told " no. '' When I did not give up and asked repeatedly to speak with someone in a position of authority, she hung up on me.

Company response to consumer: Closed with explanation