BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I co-signed for a car for a former girlfriend. The car was purchased in XX/XX/XXXX. She made payments on the account monthly and on time. XXXX of XXXX Santander which is who the car loan was through was notified that the car was totaled out and that gap insurance would take car of the balance. Upon checking my credit report I noticed that the account was still showing on my credit report. I contacted Santander and informed of the problem and was told that gap insurance never contacted them and that the account still had a balance on it and that the car was repossessed. I proceeded to ask how was a car that was totaled and in a salvage yard repossessed. The representative then stated that they were notified that the car was totaled in XX/XX/XXXX and that they submitted a claim to the gap insurance, but never heard anything from the gap insurance company so they placed car as a repossession, and that the car was sold and the balance that was on the car was the remainder balance after the sale. I went over the account with Santander representative and informed him that the account on my credit shows as a charged off account not a repossession. I also inquired about the settlement lawsuit to forgive the loan and was told that I would have to contact the attorney general, but was informed by attorney general that I would have to contact Santander about the forgiveness settlement. I have been given the run around about the issue and this causing havoc in my current life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My problem is that I currently have a hold on my account because I cashed a check that I cant provide a contact number for and when I did it wasnt accepted because it is not verifiable under the business but the real problem is that Capital One bank literally has cashed these checks for me on multiple occasions and I never not even once had a problem with it being cashed I even contacted the management team there and had some checks taken of of hold and released to my account earlier then expected and now all of a sudden I believe it is an act of retaliation because I wrote a previous complaint on them under a different email account and they totally did not properly dispute fraudulent transactions that were done on my account where I even filed multiple police reports on those transactions. Literally they are finding out that I filed a complaint and now they are holding my funds that I deposited literally they have a hold on {$920.00} dollars and they all of a sudden want to verify the check but cant seem to do so and they already cashed the check by the way literally cashed the check and deposited the funds into my account and took there funds from me being negative {$65.00} dollars they took there payments and refused to allow me to access my money. They are abusing there authority and my trust and rights are being violated in so many ways. They are completely unprofessional and they have to be reacting in retaliation because all Im asking is that because the funds were clearly deposited into my account and they clearly took the money I owed them that I am given access to my funds immediately because this is not my first check there were multiple as in lots of them from the same company before this incident. Now all of a sudden I am having trouble with them. Its either prejudice or retaliation and I cant believe that they took there money like it was good enough to pay them and actually deposited the money in my account but wont let me use my debit card that is an abuse of authority and violation of my rights nowhere in there disclosures does it say they can do that. I want this published because I am retaining an attorney after this if this issue is not fixed ASAP please thats all i am requesting and they wont have to worry about me ever again because Im so disappointed with there service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SYNCHRONY FINANCIAL
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:
Someone added me as an authorized user to a card. I never gave my permission or consent to be added to a card. I am not responsible for this dept and it needs to be removed immediately.

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 2020-01-15
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED SO MUCH STRESS AND HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. ITS CLEAR THAT FRAUD PLAYS A VERY IMPORTANT ROLL IN THIS MATTER. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I obtained a loan in XXXX of XXXX for {$5000.00} from Avant. While in the process of applying, I realized the interest rate was very high ( 36 % ). I was very uneasy about accepting the approval but was trying to mend my credit so I asked about the ability to have the loan refinanced internally after a period of time to have the interest rate lowered. When speaking with a representative, they assured me that if I met a few compensating factors, I would be able to refinance and have a lower interest rate applied to my loan. The factors are listed below : Request at least an additional {$1000.00}, maintain the same or better credit status and income situation. I have continually tried to refinance with every application resulting in a decline. I have asked numerous times for reasons for the decline and get the run-around from customer service. I finally received a valid answer last year, that it had not been a year since origination and they advised I wait until after a year to re-apply for a refinance. That I did. When I re-applied, I was declined again. I requested reasons for the decline and this was the response I received : 1.Income insufficient for amount of credit requested 2.Limited credit experiences 3.Presence of BK 4.Length of time revolving account has been established too short In response to those reasons please see below : 1.I make more money now than I did in XXXX of XXXX 2.I have had credit since XXXX so I 'm not sure the reasoning behind that explanation 3.I had a BK present on my credit at the time of origination for the original loan. 
4. I do have XXXX new credit cards but I have had revolving credit for over XXXX years. 

Here 's my complaint ; I feel as though they trapped me into this loan. if I knew that I would be unable to refinance the loan for a lower interest rate, I would gone a different route. I believe that my recent applications are being intentionally declined so Avant can continue to unfairly collect a high rate from me. I had no idea what I was getting into when I signed up for the loan. The process was very quick and confusing and I feel stuck. The representatives are very unhelpful and unknowledgeable when I call and ask for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Cash advance fee

Complaint:
Bank continues to charged interest on cash advances that have been paid off. 
Internet Payment Thank You {$290.00} Minimum due {$37.00} pd XXXX on CA XXXX now paid back XXXX/XXXX/XXXX Internet Payment Thank You {$280.00} Minimum due {$30.00} pd XXXX on CA. 

XXXX/XXXX/XXXX Internet Payment Thank You {$150.00} Minimum due {$36.00} pd back XXXX CA XXXX on CC balance These 3 payments were to cover my cash advance. All were well above my minimum payment due and extra should have been applied. The first CA was XXXX and paid back within 3 weeks.

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 2020-01-15
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account comefrom but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: NC
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 Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account number XXXX These lenders have accessed my credit file : XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX has violated my rights 15 U.S..c 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: First Data Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I was recently issued this paycard by my now former Employer to settle my final wages. This was REQUIRED by my employer, as no other option was given at the time of release. As such, a card was issued by ADP TotalPay, in order to allow to " expedited '' access to my final wages, at no cost ( according to my employer ). 

However, since issue on Thursday, XX/XX/2019, the card has failed to activate using the automated phone system ( the only option available to users ) and the Customer Service representatives have faced the same issue trying to use the same systems to activate the card. To note, they have 0 ability to force the activation or help in any way, other than to have you go through the same automated system with them on the line. 

My employer touted the instant issue checks that come with the cards, but can't use them since I can't activate the card over the phone. First Data allows online access to the account, where I didn't run into any issues. However, all I can do is review my balance. Issuing a Check still requires the use of the automated system that is unable to activate the card in the first place. 

I've tried unsuccessfully to activate the card, and the representatives all tell me to check back later. It's now Monday XX/XX/2019, and I'm still not able to activate the card. Speaking with another representative today, they have now indicated that it may not be resolved until Wednesday, prolonging the issue almost 6 days since the day of initial issue of the card. 

To make matter worse, their phone system has also indicated that several cards exist under my Social Security number, and when I ask a representative for assistance. I'm told there is nothing they can do. The other resolution offered was a " Money Transfer '' which I can initiate online, but requires the payment of a {$3.00} fee to complete. A consumer has no other options available to them to get access to the funds immediately, other than to wait for a resolution in an unreasonable turn around time.

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 2018-02-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Closed 2012 - still reporting ... ... Delete acct. Acct in good standing

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 2022-02-22
Company: State Collection Service, Inc.
State: IL
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:
Pursuant to 15 USC 1681a ( d ) ( 3 ) this company is in violation as in regards to Medical Information. There is no permissible purpose for this third party who I never contracted with should have my private information. I never directly or indirectly gave this company to contact me through ANY medium and using the CRA 's is a form of communication federally. As a private flesh and blood woman I was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I was approached by Freedom Mortgage company via mail regarding a Streamline VA IRRRL. From the beginning ( loan application ) the loan officer put the wrong property values in the loan application. They fudged the numbers in order to make it appear as if the new loan would save me money. I am not XXXX consumer and I know that .5 % is not going to save me a significant amount on my monthly payment. The disclosure said " existing loan '' and those numbers do not reflect my current payment even after I give them my specific loan amounts. I rejected the loan application and told them that once they applied the exact numbers I provided them I would sign the application and we could move forward. The loan associate made the adjustments and we moved forward. I assumed that this was human error and that we could move past this and get on with the process. I specifically told the loan associate that I wanted the principal balance of the loan to remain the same. That I would pay all prepays and escrow at time of closing. I was very specific about this. 
Flash forward 30 days. Delay, delay, delay. That is what they did. Error after error on closing disclosures, double charging prepays and escrow amounts. Submitting then resubmitting so many erroneous documents that it was confusing to determine which was the last incorrect disclosure. Promising time and time again that they would take care of it then not respond. they pushed out the closing date again and again. Then pretended that each error was in-fact an error and not intentional. This is the name of the game with this particular company ( Freedom Mortgage ). Their claim, a no cost VA refi., yet they manage to fudge the numbers and some how the principal on the loan grows by {$2000.00} to {$3000.00}. 
The pay off shows how much is required for escrow and interest. I know because I viewed the pay off statement. I also know when my taxes are due and I know how much I have in escrow. 
This company creates confusion and I think that they are hoping that the customer will just give in and say fine lets just close this loan. It 's a tactic. Confuse consumer with the documents and the figures, tell the customer that is just how home loans work. In the mean time make the numbers are so ambiguous that it appears that the customer is saving money. It is all smoke and mirrors with Freedom Mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had an unauthorized charge on my account and have submitted the necessary information to the gift card company several times but they have not responded. Attached to this complaint is the form the company required me to fill out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made XXXX significantly sized payments, $ XXXX each, on the mortgage company 's website specifically indicating that the payments were to be applied to the principal. However, in XXXX instances the payment was applied as 'unapplied cash ' and did not reduce the principal of the loan. Thereby, the interest being accrued daily is overcharging me. 

On the first instance of the payment I contacted the mortgage company and was advised it would take a day for the amount to be reposted correctly. It did not. Instead it took four days of my checking and persistent calling for the large transaction to be correctly applied against the principal of the loan. Hence, an incorrect calculation of the daily compounding interest went on for four days. 

I advised mortgage company at that time I was going to make another payment against the principal. Same outcome. The payment was applied to 'unapplied cash ' and not to the principal of the loan. 

In light of these transactions it can only be concluded that there is a systemic problem with Freedom Mortgage company and how they incorrectly handle principal only payments. They do not apply these payments correctly and the debt holder is the one that bears the brunt as they have an over calculated daily interest amount owed. If it had not been for my repeated follow up, I do n't think the payments would have ever posted against the loan principal. How many other consumers may be have had the same issue but did not realize the mortgage company 's improper book keeping that accrues interest in their favor? 

An authority really needs to review how this company conducts there business as I suspect there are many others that have had interest over charged on their loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I was shopping for ( 2 ) vehicles. I was pre-approved by XXXX XXXX XXXX and XXXX XXXX. I had already selected my vehicles. When I went to the dealership to complete the deals and pick up the vehicles. The sales person and finance team toke it upon themselves to run my credit multiple times threw many financial institutions without my signed consent searching for a better deal that. I didn't ask them to do. I was satisfied with the companies that I chose. To submit my information over ( 40 ) times between the ( 3 ) credit buraus was abusive and excessive. I've contacted them several times via written communication and verbal phones calls only to get no satisfactory results. I've quoted all the Fair Credit act statutes that would pertain to my situation and they still refuse to remove theses items. Telling me there is no impact to my credit file it only counts as one point even though they were all done within one to two days apart. The impact is indeed affecting me credit score as well as credit character as a responsible consumer. I'm requesting that theses hard inquires be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NY
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 Accounts has violated my rights, XXXX XXXX XXXX ACCT. # XXXX, XXXX XXXX XXXX  acct. # XXXX XXXX acct. # XXXX, XXXX XXXX XXXX, acct. # XXXX, XXXX XXXX XXXX acct. # XXXX XXXX XXXXacct. # XXXX my nights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a acodunt without my written instructions

Company response to consumer: Closed with explanation