BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Other fee

Complaint:
First, and I realize this is not an illegal business practice, I am very upset that I was sold this card at my bank and was not told that they were partnered with a 3rd-party service provider, rather than handling the debt themselves. This card has been the bane of my existence! 

My chief complaint, however, is that I recently learned that Cardholder Services does not permit online update of auto-pay information, although they provide a way to update bank information online. According to the representative I spoke with today : " We do not know that [ you ] have changed bank accounts just because you update the bank account information on our website. How would we know this? '' So despite the fact that I changed my bank account information on their online portal in XX/XX/XXXX when I changed banks, Cardholder Services attempted to debit my old account, I got hit with a returned item fee, and I had to deal with their abysmal joke of a customer service representative. Apparently, the only way to change auto-pay is to call Cardholder Services, have them update their database, then go online and set up auto-pay again. Insane! 

During that call, I authorized my domestic partner to speak on my behalf and my partner requested that a copy of the cardholder agreement or other document that stated that I was required to call them to update the auto-pay details be mailed to our home address for our review. Immediately upon my partner requesting this, the representative refused to speak with her any further, which given that Texas is a Community Property state and we have a notarized document declaring that we are responsible for each other 's support ( debt included ), I 'm fairly certain my partner has the same legal right as me to request said documentation. I 'm also fairly sure that policies such as this must be in writing. I 'm also fairly sure this representative refusing to speak with my partner when I instructed her to discuss these matters with my partner is illegal and discriminatory! My partner asserted a legal right and I want to understand why we were treated as morons ( the representative spoke to us as though our combined XXXX ) and I had to re-request that the documentation be sent ( with no assurance that it would be ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Element Global Services
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Keep calling with a very aggressive tone, I stated I would try to make a payment when I can and now they are still calling and threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an Auto Loan with Consumer Portfolio Services that commenced in XX/XX/2015. The balance was {$22000.00} when it commenced and my APR is 14.99 %. My monthly payments are {$470.00}. I made a {$470.00} payment XXXX/XXXX/15 for the XXXX XXXX due date, a {$470.00} payment on XXXX/XXXX/15 for XXXX XXXX due date. I then had a bump in the road and CPS agreed to give me an extension. Next payment not due until XXXX XXXX. Since then I 've made my payment of {$470.00} on XXXX/XXXX/15 and {$470.00} on XXXX/XXXX/15. They are claiming that my balance is still {$21000.00}. I know my APR is high but I 've done the math and they are showing an incorrect loan balance and wo n't fix it. I would like to know what can be done. Also they funded this contract before my Chapter XXXX BK discharge on XXXX/XXXX/2015. Can I just give the car back and tell them to pack sand?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am having a problem with Santander Consumer. They are reporting late payments on a vehicle loan for which I have paid off. The account is closed. However these negative payments are adversely affecting my credit score and causing me to be turned down for credit. I have no such knowledge of all these late payments. I wrote to Santander on XXXX XXXX, 2016 disputing these late payments and asking for validation of such late payments. I have attached the letter. It was sent Certified mail and signed for by Santander Consumer on XXXX XXXX. 60 days later and I never received a response. Santander failed to provide validation and they violated the Fair Credit Reporting Act by not providing the Credit Bureaus a notice of dispute within the required time frame as evidenced by my credit report dated XXXX XXXX, 2016 where the account was not marked disputed which I have also attached. According to FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
As Santander Consumer is violating federal law ( and they still have not marked it disputed more than 90 days later ) and causing damage to my financial well being, they should remove the account and /or late payments from the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Asked for the amount to the debt to be validated. I did n't receive anything from them in the required 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have resided in my home for over seven years and have not relocated. My credit report reflects that i have outstanding medical bills in which I have never received any validation of the debt, explanation of benefits or the option to resolve the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls from the phone number of ( XXXX ) XXXX. When I get the chance to pick up the phone, prior to them hanging up within the first 1 or 2 rings, THERE IS NEVER ANYONE THERE. I have checked this number out on-line, and get everything from unknown to debit collections. I have been warned by others that to call them back would establish proof that I had prior business with them, which would void my " Do Not Call '' listings with the FCC, or that they will benefit form this somehow, with such tactics. They have called at least Twice this week, I can not tell if it is a Robo Call or not since there is never anyone on the line, but over this year, it has proven to be aggravating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I been sick since 2014 and went on a medical XXXX. Because of a drastic change in my income for my household I fell behind all bills. I was not aware of the contract I signed with XXXX for home security when I was told differently that it was trial promotion. Because of my medical XXXX I have been very forgetful with my memories lately and it 's hard to make decisions when needed to. With that being said I did try to make payment arrangements and I failed to keep them because I forgot to put it on my calendar. I was supposed to get a call reminder but ca n't remember if I ever received one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Amscot Corporation
State: FL
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Amscot did not allow me to get a cash advance because I did not have my current pay stub on me but allowed someone else to get one who was in the same situation. I have gotten cash advances with Amscot before and have always paid them back as agreed. I was not claiming to make a crazy amount of money or even asking to borrow a lot but I was still refused. At Amscot the rules only apply to certain people when they feel like applying them. They refused me because that 's what they felt like doing at the time. Rules should apply to EVERYONE or else it should n't be a rule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : o 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The first communication that I received from the debt collector was a court summons delivered to my mother in laws home. I received the summons in hand a week later from her. The summons stated that i alledgedly owed money to the debt collector. There was no advisement that I had the right to dispute the debt and that I had 30 days to demand that the debt collector validate the debt. I then attempted to demand validation of the debt after doing online research. i sent a certified letter 9 days ago on XXXX XXXX, 2016. The post office told me today, XXXX XXXX, 2016 at approximately XXXX XXXX that the certified letter had been attempted to be delivered on XXXX XXXX, 2016 ( 2 days after I mailed it ) but was not accepted by the debt collector. So as of today, XXXX XXXX, 2016 I am withoyut knowledge or information sufficient to form an opinion as to the truth and accuracy of the claim and based on that i deny generally and specifically the claim of debt to this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Stellar Recovery, Inc.
State: IL
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:
Son ( who is XXXX ) lived at a different address during 2013. I am XXXX, but we have similar names. 
XXXX is looking for money from him and turned it over to a debt collector. ( XXXX in 2 years, although XXXX ) For the last XXXX 9 months, they call twice a day and never say anything and just hang-up. They sent letter but figured it was a scam as I have Excellent Credit. Looked at my credit report today and sure enough, Stellar Recovery dinged my credit! I called their XXXX number and explained that this debt is not mine, that i have lived at same address for XXXX years and the address they are trying to collect for is not even in this town. My XXXX Account is current and on Auto-pay! Once again I have filed a complaint with the XXXX will also file with XXXX office for fraudulent reporting to a credit agency. Last year it was XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX @ XXXX. Took 6 months to clean up. Now this year it is Stellar Recovery, XXXX XXXX XXXX, XXXX, XXXX XXXX phone XXXX or XXXX ... Also show a XXXX address : Stellar Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX..Are these XXXX companies in bed with each other and XXXX? Seems odd that XXXX can sell old debt over and over again and XXXX innocent consumers over in the end. Should be a law against!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: FIRST HORIZON BANK
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Due to lengthy divorce proceedings and extended unemployment a foreclosure occurred on the marital residence. Specifically, the foreclosure occurred because my ex-spouse refused to sign a deed-in-lieu, or cooperate in the short-sale process. The property was sold at or near the loan amount. Any short fall was guaranteed by VA and the lender suffered no loss. The date of the foreclosure was XXXX/XXXX/2015. 
However, I understand the reporting of this item and I 'm providing this for background information to the following : There was a second mortgage in the form of a home equity line of credit. The mortgage holder was First Tennessee Bank. The maximum amount of this loan was {$25000.00}. 
The amount at time of foreclosure was {$8800.00}. Thirty days after the foreclosure, XXXX 2015 the entire of {$8800.00} was charged-off by First Tennessee and states on my credit report " charge off due to loss ''. At the time of the charge off, and at least sixty days prior to, this account was current with no delinquency and in good standing. As the payments were on auto pay I was n't informed of the charge off until I called First Tennessee in XXXX 2015 asking why I was no longer receiving statements. At that time I was asked to participate in a repayment plan which I have followed as agreed since XXXX 2015. 
Recently I attempted to obtain housing by leasing an apartment. The application was denied based on the level of charge offs. There are several points where I have been affected negatively by false information or actions of First Tennessee : 1. There was no financial loss by First Tennessee and the charge off was discretionary by First Tennessee based on the loss of collateral. 
2. First Tennessee never attempted to convert this loan to another instrument or provide any options before taking adverse action against me. 
3. First Tennessee continues to report this account to credit reporting agencies as a charge off each and every month and refused to explain the correct nature of their initial actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Between the years of XXXX I was being sent a lot of pre approved offers from Credit Karma for Credit cards , personal loans and car loans. At first I ignored it because I have other goals to focus on and other things Im building credit for, BUT Credit Karma kept sending the emails and enticed me to apply EVERYDAY. I would see different offers every time I logged in to check my credit scores great rates, after a few months of being told that I was pre approved I started to think about the dream car I can have and the personal loan I can have during the hard times in the pandemic, I got so many offers through credit karma I went ahead and applied knowing with the information from credit Karma, THIS IS THE LOAN FOR ME I finally applied and was denied. I was highly disappointed and deceived by credit karam emotionally. I would use the funding to support my family. Credit Karma told me I was approved but lied. I didn't get the credit card or loan, instead I have more inquiries on my account which is hurting my credit report. This has caused me stress and feelings of unworthiness as a working citizen. Im so insecure about the term pre approval because of the trap I fell for with credit Karma. I do believe I qualify for the settlement having pre approvals from Credit Karma since XX/XX/2018 That they tricked me into being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Gross Polowy LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Agent of Gross Polowy, LLC showed up at a house I own and handed papers to my tenant that were faked regarding my mortage. They had gone on the internet to print out recordning documents from my original purchase to make it look real. Tenant thought they were being served foreclosure papers. The cover sheet was made to look like an official court document but the bank named as the plaintiff DOES NOT OWN THE MORTGAGE. I verified this with my current bank just to be sure. It would appear that they were trying to scare me into making payments to them which they would then pocket. This has created a problem with my tenant and is an illegal practice. I filed a report with the local police department. When I tried to call them on this all of a sudden everyone was not available!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I overdrew my checking account. I had sufficient funds in my money market account to cover the overdraft but the bank chose instead to take the funds from my overdraft protection line of credit and charge me interest. Their excuse to me was that my money market account was n't linked to my checking account. I had been told previously by local bank people that it would automatically come out of my money market account. I believe that this is a fraudulent practice by the bank to make more money at the customer 's expense.

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 2015-03-22
Company: General Motors Financial Company, Inc.
State: ME
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
im writing in regards to XXXX ameracredit sent to irs i have n't heard anything from this company for fifteen years now irs is making pay taxes on this im XXXX and need my tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Reverse Mortgage Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother died on XXXX XXXX, 2015. I am the administrator of her estate. She had done a reverse mortgage with the lender RMS ( reverse mortgage solutions ). We have given the lender everything they have asked for and we are currently trying to sell the home ourselves. However, the lender will not communicate to me what the timeframe is that we have to sell the property. Can you help us get this information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
why should I have to write a letter to get my information, what is the problem it is telling me I need to write a letter to get it. this is time consuming not realistic today, people use the computer for everything and phones and email. now I have wasted time and more time because I need my credit information now! there should not be any issue with getting it online, and it does not tell me the reason. no security issue should not be handled that way because I still do n't know the issue. I do n't have time for this. this needs to be fixed and better convenient for people. we have to be systemized to do anything! is unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I used Equifax to get my free credit report. When doing so I noticed that there was some sort of bill that I owed to XXXX. I called them about it to see if I had a remaining balance with them. They checked their system and did not find any kind of balance that I supposedly owed. XXXX gave me the direct line for citations so I could call to see if I owed a balance with them. They checked their system and did not find an unpaid bill. 

I am not too sure how to go about getting this off my credit report since I do not owe anything and it is hurting my credit. Please contact me at XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation