BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-18
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I applied and was preapproved for a loan online XXXX/XXXX/16 with RoadLoans.com ( Santander Consumer USA ). The loan had a 10.70 % interest rate, with a finance charge of {$13000.00}, to finance {$38000.00}, with a for a maximum loan of {$52000.00}. This is a XXXX % Loan to Value ratio. The dealer associated with this preapproval was XXXX XXXX. My credit score is XXXX, not bad, not great, but I believe just above sub-prime. I later scheduled an appointment with a dealer named XXXX on XX/XX/XXXX through Roadloans.com. I never went, and did n't ask them to run a loan for me. On XXXX/XXXX/16 I received notice I had been declined for a loan by Santander and XXXX XXXX XXXX XXXX XXXX. I did n't authorize them to run a full loan for me, and in fact told Santander, which called me on at least 4 occasions, that that I was not interested and had found a better loan. I bought a car through a different dealership which offered me a 1.9 % interest rate -- dramatically different. People should know that they can get better loans than from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
send a large amoun t to JC Penny o m  XXXX   XXXX  of {$1100.00} dollars. Which they did n't decrease my total balance, also still have me pai d cash advance fe e which it was very small balance that could had been paid off with the large amount the interest amount was incorrect, also sent them a {$170.00} payment om  XXXX   XXXX  which the respresentative call me on fromthe Bank to pay, also explain to him what was going on and stated I have an attoney looking into this the respresentative ask for the name and phone number ofthe attoney but have not call him.

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 2015-05-26
Company: I.C. System, Inc.
State: MI
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:
Used debit card to pay for brother 's phone as Birthday present. Account debt is being targetted at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: IN
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 tried to dispute the inaccurate information that's negatively impacted my credit score and the results came back as the negative items remaining on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Two fraudulent withdrawals via Venmo were made from two different XXXX XXXX Accounts. The first occurred XX/XX/2020, the second XX/XX/2020. Each theft was {$1500.00}. Prior to each incident a test deposit and withdrawal in amounts of less than XXXX dollar were made and not noticed. Upon discovery complaints were filed with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Allowed XXXX XXXX to report false information. Acknowledged over the phone that an account went down by {$76.00} and then went back up for no reason, allowed them to remove, then place back on my report, accounts that are paid in full and closed. You do not seem to mind that a company trashes someone's credit with lies. You make it very difficult to remove false info because you only ask the reporting agency and do not require them to prove anything.

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 2020-03-12
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I authorized my mortgage payment through us bank. On the XXXX of XXXX my mortgage payment submitted a UNAUTHORIZED withdraw of {$2600.00} and US Bank paid the amount. Knowing that I did not have nearly any funds remaining in my account. By them doing so it has created chaos is my life. To this date my account has had two deposits made from my social security check and pentions and I still remain at a. Neg in my account nsfs keep mounting. I have not been able to pay any of my bills and my utilities is about to be cut off my life insurance policy has lapsed I can't buy groceries the bank has not returned any of my messages when mortgage company does not take any of my calls unless I'm calling them to pay my mortgage which I have not been able to do I am at my Wit 's end and I don't know what to do if already been hospitalized once already due to the level of stress I suffer from XXXX XXXX and I'm an XXXX year old woman if you can please help me that would be incredibly a blessing thank you XXXX XXXX if you do call are you authorized my son XXXX XXXX to speak on my behalf.

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 2022-07-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today ( XX/XX/22 ) I applied for the Paypal XXXX Mastercard. After successfully submitting the application I received a notification that my credit was frozen and they were unable to pull my XXXX report ; however with 1 minute I received an alert that my credit was pulled. I tried to contact Paypal XXXX Synchcrony yet no one could help me.

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 2017-05-27
Company: Acquired Assets, Ltd.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is  XXXX   XXXX  is  XXXX   XXXX  I entered into an agreement with a Reservation System for use by my company  XXXX   XXXX   XXXX . After setting up this system I was informed that I must use  XXXX   XXXX   XXXX  who operate  XXXX  a system for processing credit card payments.   However I was not happy with any of the systems thus I cancelled everything with the  XXXX   XXXX , the Merchant Services which includes  XXXX  within weeks of the original set up date.    XXXX  continued to collect money from my  XXXX   XXXX  Bank Account, I telephoned them every month to complain saying that my account with them had been cancelled they finally they told me to put my cancellation in writing which I d id ( letter a ttached. ) I made a complaint to my bank  XXXX   XXXX  and they told me that they could not do anything to help me.    XXXX  continued taking money from my account until I eventually decided to close the account and move to another bank.    XXXX  sent my file to a  Collection Agency Allen and Associates who tele phoned me and threaten me with "  ACTION  '' if I did not pay up. They sent me a letter dated  XXXX   XXXX   XXXX  to which I telephoned in response spoke to  XXXX   XXXX , who told me that they have documents proving that I owe money. I asked her to send me copies of any documents showing that I owed an money. I have not received any further communication from them until I hear from  XXXX   XXXX  that my credit record had been compromised.   I disputed the charges with  XXXX   XXXX  and have their letter in repl y ( c opy letter attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
To Whom It May Concern, I would like to call your attention that when I was reviewing my statement I realized that I was charged {$2.00} 12 separate times. I went to Apple Bank and to find out why I was charged and the Apple Bank accountant there explained to me that every time I use my debit card I will get charged {$2.00}. She also told me that I have to tell any store where I 'm using my debit card that it 's a credit card and sign immediately without putting in my PIN number so I can avoid the {$2.00} charge. Although, on my debit card it says DEBIT on the bottom and I was never informed about this {$2.00} fee when I opened my account. My family members all carry debit cards and they use it without any fees or charges. I want to know what the rules and regulations are when it comes to using my debit card and any fee that comes along with using it. I am being ripped off by this bank. 
My name is XXXX XXXX XXXX and the Apple Bank branch is on XXXX XXXX XXXX, XXXX, NY XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
CONSUMER FINANCIAL PROTECTION BUREAU CALIBER HOME LOANS, et al.    XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX   XXXX  : Payments mis-applied to the Principal of my alleged loan number  XXXX  with them.     Dear Sirs, This is another Qualified Written Request ( QWR ) pursuant to Section  6 o f RESPA (  12 USC 2605 ), for CALIBER HOME LOANS, regarding their alleged loan number :  XXXX , in reply to their   recent letters.     They refuse to answer questions regarding the balance of my loan which according to them is {>= $1,000,000}. I absolutely dispute this amount since I have been making all payments to my original Account Number :  XXXX  with  XXXX   XXXX  since  XXXX , when the original balance was {$310000.00} on  XX/XX/XXXX      They refuse to send me an accurate payment history with all payments applied correctly to Principal as agreed in the contract and Loan Documents. The refuse to send me a signed copy of all loan documents regarding the loan modification.     Please forward this letter to them as soon as possible since we are in the process of disputing all their claims i n Federal Court,  Bankruptcy Number :  XXXX , filed in the Central District of California over 1 year ago now, on   XXXX   XXXX   XXXX   They have also breached the BK by filing a notice of trustee sale on the title of my property on   XXXX   XXXX   XXXX   and are presently in contempt of Court.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Servis One, Inc., Titusville, PA Branch
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is related to the second mortgage on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX. I had attempted to get a modification and was denied by both of mortgage companies. I have since fallen behind on my mortgage payments. I hired a real estate agent who was able to short sale the property. We are currently under contact and do have an approval from the first mortgage company who is requesting we close on or by XX/XX/XXXX. 
This short sale package was submitted to XXXX on XX/XX/XXXX with the final approval letter sent to them on XX/XX/XXXX. To date, neither my agent, my attorney nor myself have received any information from XXXX even after REPEATED phone calls and emails. I was told by " XXXX '' that my XXXX was XXXX XXXX, but that she is currently on vacation, so we left messages with her supervisor XXXX XXXX. I called back on XX/XX/XXXX and was told by XXXX XXXX that she is not on vacation but new to the company and does n't have access to the " system? '' He also stated XXXX has no record of receiving my short sale packet, however my real estate agent has the fax confirmation that all documents were sent and received. I truly believe XXXX has been purposefully trying to stop the short sale by first ignoring us, and now by lying. 

If you could please let me know what my options are or how I can proceed so that XXXX does not prevent the short sale from occurring, I would be unbelievably grateful. If you need more documents than what I can upload, please let me know and I can fax or email them to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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: Information belongs to someone else

Complaint:
I AM WRITING ABOUT WHAT I NOTICE ON MY CREDIT REPORT WHICH IS CRAZY. I NEVER AUTHORIZE THESES ACCOUNTS. SOMEONE OPEN ACCOUNTS USING MY INFORMATION. I WANT THESES ACCOUNTS TO BE REMOVED OFF MY CREDIT THIS IS FRAUD.

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 2016-05-21
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just recently opened a dispute with Nordstroms. I had opened an account awhile back. I was incarcerated in XXXX of XXXX until XXXX of XXXX. During the holiday season someone stole my identity. XXXX says i signed for an extra card holder to the account around XXXX or XXXX of XXXX. Which i did not do because once again i was incarcerated. They told me that since i signed to have another person on the account i was held liable for the debt and had to file a civil suit with that person. I just find that ludicrous, cause they are the ones who wrongfully approved a person on my account. Why should i be the one that had to go through civil suits and all of the likes? Anyhow i would appreciate your help in resolving this matter. I Am trying to buy a house soon and this is hindering the process. I'm attaching the police report i filed for identity theft and a letter from the XXXX XXXX  XXXX XXXX. I disputed the same matter with XXXX  XXXX and they resolved the issue immediately! So i don't understand why this company is making it so hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Debt Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2022, I received a notification on my credit report from Debt Recovery Solutions in the amount of {$3800.00} in which I do not owe. Nor was I ever sent any specific written documentation or contacted verifying this debt. It caused my credit score to drop XXXX points and the case was opened on XX/XX/2022 via XXXX. I would like to have this error removed from my account. I will be sending them a written dispute letter certified mail and also to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company response to consumer: Closed with explanation