BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I disputed information that was on my credit report. The negative information that i disputed was deleted from my report and then placed back on my report without notifying me. The information is fraudulent and should not be on my report. It is against the law to place something back on my report without notifying me. These accounts are negatively affecting my credit worthiness and is causing me to be denied for things. The account was removed XX/XX/XXXX and placed back on my report XX/XX/XXXX. Another account is XXXX  XXXX  which is fraudulent and does not belong on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a XX/XX/XXXX chevy XXXX. I leased this vehicle XX/XX/XXXX for XXXX miles a year for 39 months. During the period of time I had this car, I had at least XXXX recalls, as well as a blown transmission only XXXX miles into the lease. Needless to say I have been disappointed. At my 36 month mark I decided instead of bringing back in for ANOTHER recall issue, as well as additional transmission issues, that I would return my lease early and ask for my last XXXX payments to be waived. I called customer service at GM financial, and I was told they could not help me, and that I needed to call GM corporate. I called GM corporate and they said I had to call GM financial. Round and round we go. 6 hours over several days on the phone and no help. I finally get a " ticket '' and was told to bring the car to the dealership, they will do a diagnostic, and my payments will be waived. I returned this vehicle on XXXX after being told by GM that if I return the car, they will waive the remainder of the payments. Please note at time of return I only had XXXX miles on the car. WELL below my lease allowance. Well, I got a kick in the face on XXXX, GM financial removes {$460.00} from my bank account for this car that I no longer have. I tried calling again, only this time to be transferred numerous times and hung up on. I was also told that " there are no supervisors to speak to, they are in meetings ''. My fear now is that not only am I out the {$460.00}, but that they will continue to charge me for 2 more months for a defective car that I have returned. I want my money refunded, as well as any future payments waived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am finishing up a XXXX XXXX reorganization. My bankruptcy was discharged on XX/XX/2020. Leading up to the final months I contacted my mortgage company, mr. Cooper, to make sure all payments were current. I have had issues in the past with mr. Cooper misapplying funds IE applying monthly mortgage payments to principal or Escrow, excetera. As has become their Norm, about every 18 months I'll get a letter from Mr Cooper or their attorney saying that I owe between XXXX and {$5000.00}. This morning I received a phone call from mr. Cooper asked me if I would be interested in a forbearance. I did not understand why they were calling me as I am current on my payments. I called to check last month again prior to my bankruptcy being discharged I have the names of the people I spoke with the amount that they told me to pay. This morning a lady and loss mitigation Department informs me that my house is in foreclosure. However they can not give me a total amount that I owe or when my house will be sold. I have spoken to representatives in three different departments at Nationstar/mr. Cooper as well as speaking with their attorney, XXXX XXXX. All to no avail. I don't know where else to turn to for help. My monthly statement for this month shows that I owe my regular monthly payment. In fact it actually shows that I have an unapplied balance. I'm hoping someone can help me navigate this and figure this out

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX separate accounts with the Santander bank so as not to co-mingle funds for a XXXX property that I own. I recently deposited a check into my personal account. That check was returned for insufficient funds however it was charged to an unrelated account. 
I 've contacted the bank and explained that I did not want funds comingled however, the bank representative stated that this was " not best practice '' but legally acceptable. 
By doing this this bank has reduced the balance in this account to a very low level and has put me at risk for insufficient funds in this account only. If they would only correct their mistake and use the proper account there would be no issue.

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 2022-05-13
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to Synerprise Consulting Services requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. Synerprise has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to XXXX and XXXX on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me. 
Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by Synerprise, XXXX, and, XXXX. If I indeed owe, they should easily be able to provide me with actual documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days  late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2016-08-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My ATM card was lost or stolen. As a result of that, someone was able to deposit a number of fraudulent checks to the account bearing the name of XXXX with a claim number, my name, old address ( I no longer live at that address ) and a amount ranging from {$300.00} to approximately {$400.00}. There are a lot of them all done on XXXX XXXX. Then money was withdrawn the following day which resulted in an overdraft of {$6000.00}. The {$25.00} I had opened the savings account with was gone as well. The name of the bank is Santander Bank. I called them when I logged into my account yesterday to check my balance and got the shock of my life. I immediately called them after checking for my debit card because the checks were deposited via ATM. They told me my account had been compromised and they had put a block on the card. I was also told to file a police report ( which I did ) and I am waiting for an investigator to get back to me on that. I do n't understand why I was not notified about this before it got out of hand. Now, I have no use of my checking account and no debit card and a ridiculous amount of an overdraft. Why would a bank allow this? I have a XXXX prepaid bank card and they call me if I spend {$3.00} at XXXX for a cup of coffee to be sure I am the one that did it and they also send an email. Santander did none of that. I had to find out by logging in to my account. The account is very new and thank XXXX I never had my paycheck directly deposited to that account as I was about to do.

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 2020-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I request a XXXX statement. 
XXXX XXXX of XXXX i requested i get my XX/XX/XXXX statement that it has not appeared. 
Additionally i request i get my XXXX statement and future statements be generated the 1st of the month to coincide with my other chase credit card statements and i was told it would be done. 
Now i am told i will get my XXXX statement on the 1st and it will be for two months that i will not get a statement generated on a monthly basis i will get two months activity on one statement.

i request monthly statements especially one for XXXX hopefully the period between XX/XX/XXXX and XX/XX/XXXX. 
To have a combined bi monthly statement or payment missing on credit reporting will reflect no payment information for the month of XXXX and it will reflect negatively on my score. I pay my bills in full every month and am entitled to a monthly statement. 
At no time did i request deferment of payment and i specifically requested a XX/XX/XXXX statement be generated on XX/XX/XXXX and was told it would be when in fact it was not. 
XX/XX/XXXX i was told it would be escalated to upper management and i will get a statement generated by XX/XX/XXXX. 
XX/XX/XXXX Credit card services XXXX XXXX told me he was a supervisor he said i would not get a monthly statement in XXXX and he hung up the phone. I called back and spoke with XXXX a supervisor in XXXX XXXX she told me after reviewing the XX/XX/XXXX and XX/XX/XXXX call that i requested not to get a statement on XX/XX/XXXX ; that i requested statement be generated on XX/XX/XXXX. Now i an told i will not get a XXXX statement and there is nothing that can be done by anyone at Chase. I am told i can view my charges on line and it was suggested i compute the charges myself to XX/XX/XXXX and make payment if i want to have my monthly payment made. 
This absolute is not what i requested. 
I request a XXXX statement be generated with any date in XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: TCF NATIONAL BANK
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
There are several inquiries on my report that I did not authorize, XXXX of which looked as though when I was searching for cars. I did not authorize the dealerships to talk to other vendors/banks to get a lower rate yet that was done. This was done on XXXX occasions ( XXXX dealerships ) and multiple banks from each. This severely effected the inquiry portion of my credit report and my score in general. This needs to be corrected ASAP so my credit reflects correctly for now and future purchases/actual inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good morning, I had purchased tickets for a trip from XXXX on XX/XX/XXXX and received the confirmation email and e-tickets on the very same day. The flight was to depart on XX/XX/XXXX and come back XX/XX/XXXX, but the flight was cancelled by the airline and I was notified of this on XX/XX/XXXX. The next day, I called XXXX over twenty times, at which point the call would not go through. When I finally reached an agent, he simply hung up on me. On XX/XX/XXXX, I sent in a refund request through XXXX 's website. 

As they did not respond, I filed a dispute with Chase on XX/XX/XXXX, since that was the credit card I used to purchase these flights. They closed my dispute and re-billed the charges on XX/XX/XXXX. I requested to re-open the dispute and they requested that I provide documentation from XXXX and my statement through their Chase Secure Message system. 

Once I provided all the information, there was no response and upon calling them again, they said they did not receive this information despite the confirmation of receipt email sent to me. I have sent it again several times through their own Chase Secure Message system ( throughout the months of XXXX and XXXX ) and to an email provided to me by a supervisor upon escalating this issue again on XX/XX/XXXX but have not received a response. 

I am sorry for the long summary and any confusion. In short, I have tried to get these flights refunded through the airline and then through a dispute with Chase, but they have not been forthcoming. It is the US Dept of Transportation 's own policy so I had hoped this process would be smoother. 

Attached are all emails, cancellations, and billing screenshots as of XX/XX/XXXX. I was given Chase CLAIM # XXXX. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: AR
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 reviewed my report again after submitting multiple disputes without a response back and this account still remains on my credit report, These two accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency ( which operates under two separate names ) XXXX XXXX XXXX, as well as XXXX, reported a collections account on my three major credit reports for a XXXX collections account for {$420.00}. I have proof this account was paid directly to the original creditor, XXXX, prior to this agency attempting to collect the debt from me. Furthermore, I never received any notification of this debt or had the ability to dispute within 30 days because the agency was not contacting me at an accurate address. I provided the proof to both of the debt collectors operating names that the account was paid in full prior to their attempt to collect the debt. 

The have refused to remove the account from any of my three major credit reports, and I have now retained counsel to file charges against them regarding this matter, including punitive damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax did not have enough security in place to protect my private information. They claim that my information may have been stolen by hackers. As a result, I took an entire day off work to : - call credit reporting agencies to freeze my accounts ( {$44.00} for my wife and myself total ) - add additional security to my accounts where possible In addition, I am now faced with the additional overhead of needing to unfreeze my credit report whenever necessary - for the rest of my life. Furthermore, I am at a significant risk of identify theft and will either need to regularly scrutinize my accounts and credit reports or hire a company to do this for me. The going rate is $ XXXXmonth ( LifeLock ) for anyone with a 401k ( which I have ). $ XXXXmonth for the rest of my life is roughly {$9000.00} amortized. 

It is my belief that Equifax understood their responsibility to protect my data and the risks that they were taking. I believe that they chose to implement lax security protocol in order to increase their profits, despite the increased risk this placed on my data. 

They currently have a website you can use to check the safety of your data. Unfortunately, there is ample evidence that this site returns somewhat random results. For example, it would seem that the SSN you enter is not used in most cases. I tried with several common surnames and they all returned exactly the same result ( your data may have been compromised ) regardless of what SSN I entered. This clearly significantly increases the cost to those whose data was NOT stolen by making it seem like it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are XXXX XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2020-06-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I was called by XXXX XXXX to collect a past auto debt from me and my mother who where on the original contract they said the original debtor Santander Consumer USA Inc. are settling for the amount owed of {$1600.00} and they would be able to set up arrangements with me to satisfy this debt. I paid it with my credit card XXXX XXXX in three payments {$200.00} on XX/XX/XXXX, {$250.00} XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. After I had to call to ask for a paid in full letter because I didn't receive anything so they sent a docusign document via email so that we can sign it and return it. In sometime in either XXXX or XXXX I received a call from XXXX XXXX , XXXX also requesting the debt to be paid off, I advised I paid it off already to another company XXXX XXXX they asked who is that company as they have the proof that they have the original contract signed by me and my mother and proof that the original debtor Santander Consumer USA Inc. sold the loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX and it remains the rightful property of XXXX XXXX XXXX XXXX they not only asked me to call the original debtor Santander Consumer USA Inc. to confirm that all of this information is correct in which it is, they have no clue who is XXXX XXXX and did their own research that this was a illegitimate company and that they only sold it to Cascade. I contacted XXXX XXXX and its unfortunately not resolved yet to return my payment after this scam, yet the last XXXX XXXX representative that was so helpful stated that he also feels they may be a scam company as they portray themselves online as a company called XXXX when searching XXXX XXXX and their address comes up with the XXXX and you can't get a hold of them and the address on the letter doesn't match anything or phone number, they haven't supplied any documentation like XXXX did showing who the original debtor was and the contract we originally signed. I will be making a police report to then resend everything to XXXX XXXX to request my hard earned working money returned that I paid to a scam company in which XXXX should be the ones paid off NOT Internal Solutions ( XXXX ). Please help me.

Company response to consumer: Closed with explanation