BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
In XXXX of XXXX I made a payment of over {$3000.00} to Santander Consumer USA after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to Santander to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for Santander Consumer USA. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with Santander and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from Santander or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was 2 months late due to hardship and this company repossessed my car before the grace period ended for the 3rd month. I never received any letters for warning. Afterwards I immediately I paid full amount due and they have help my car hostage for 2 weeks and now they dont answer any calls. 

Paid full amount due XX/XX/XXXX and today is XX/XX/19 they advise payment cleared but they wont release my car and the repo team wont answer calls. 

53 Bank 53bank.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: CO
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:
Hello, On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX I was approved for a Lease on a XXXX XXXX. I signed the contract, they agreed to pay off our trade in with signed contract. We received a signed contract for our Lease payments etc. They called back 2 days and said we were not approved from XXXX and we had to return the vehicle. They ran my credit again with XXXX twice 3 days later after the signed contract which didn't make sense and then said we were declined. They decided to run my credit with the following companies without my approval. I never filled out an application with any of these companies. I would like them to fix my credit as by them doing that it has dropped 40 points. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
thank you very much! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Dear Sir or Ma'am, On XX/XX/XXXX AND XXXX of this year, I requested a free credit report from Transunion. Both times I received a postcard that 'our records show you've already received your free credit report in the last 12 months ... ' That is untrue because the last time I requested my credit report was XX/XX/2019. Regardless of this, the FTC requires that every consumer can request a free credit report every seven days due to COVID-19. 

I would like a free copy of my credit report. I do not believe that requesting it again from Transunion.com or XXXX will work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with a collection agency by the name of Diversified Consultants stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I am  obligated to pay the amount {$390.00} which I do not. 

I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Diversified Consultants. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I currently have an auto loan with a co-signer that began in XX/XX/XXXX. On XXXX, XXXX I brought my vehicle to XXXX to trade in for a different vehicle. They requested a credit report for financing with XXXX XXXX XXXX XXXX. However, XXXX   responded that there was a discrepency in my SSN and what was on my report. I was to call XXXX  to get information. I have attempted this several times over the past week, and spoken with different people there with no resolve. They refuse to tell me what information is on it or anything. The last man that I spoke with was very rude and insisted that there is no one else that I can speak with about this matter. 
Also, in XX/XX/XXXX I recieved a letter of credit denial from XXXX XXXX credit services stating they could not verify my identity information with Experian. 
I submitted requests for credit reports from all three bureaus last XX/XX/XXXX. Not one of those were able fulfill that request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I noticed fraudulent activity on one of my Chase credit card accounts. I filed a dispute with chase and they were able to resolve the issue. Because I was a victim of identity theft, I filed an Identity Theft Report with the FTC noting fraudulent activity on my credit card account. As a victim of identity theft, I am entitled to place an extended fraud alert on my credit report and send in the required documentation to XXXX to do so. Upon sending my request in to XXXX for an extended fraud alert, XXXX, on their own accord, without asking me, sent a dispute investigation for fraud to Chase. Because of the dispute investigation sent to Chase, Chase automatically closed my entire credit card account. Chase stated that they closed the account because the dispute investigation sent by XXXX  stated that it was a fraudulent account. This is not the case. The identity theft report that I filed and the personal statement on the report clearly states that I experienced fraudulent activity on my account, not that the entire account was fraudulent. Chase will not reinstate the account unless XXXX retracts the fraud dispute investigation. XXXX is stating that they can not retract the fraud dispute investigation and that Chase has the ability to re-report the account on my credit report. It seems that XXXX   made an error by sending a dispute investigation to Chase without my permission and without due cause. If you review the personal statement on my identity theft report, it clearly states that I was reporting fraudulent activity on my account, not that the account in itself was fraudulent. Now I am stuck in the middle with both agencies ( Chase and XXXX  ) saying that they can not do anything further. Re-opening the account is of importance to me because the account that was closed has over XXXX rewards points attached to it. Since the account was closed without any notice to me, I have essentially lost XXXX reward points and can not reclaim the points unless the account is re-opened. Further, the account has been open since XX/XX/XXXX and paid in full each month. If the entire account was fraudulent, I would have reported it as so much earlier and I would not have paid off any of the balances on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: WELLS FARGO & COMPANY
State: WA
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:
On XX/XX/2022 i called Wells Fargo to open a Dispute against XXXXXXXX XXXXXXXX XXXX XXXX. I had Reserved a room that was {$260.00} a night and non refundable. I booked it through XXXX. I was given the opportunity to cancel for {$130.00} so i canceled. i was still charged {$260.00} so i was going to Dispute {$130.00} the person i talked to when i opened it said they would submit it for the full amount. on XX/XX/XXXX they closed the Dispute favoring XXXXXXXX XXXX XXXX XXXX for the full amount and charged my card {$260.00} on XXXX XXXX XXXX i Called Wells Fargo and Explained that it should of been for half since i gave them proof that it was cancelled for {$130.00} XXXX talked to a manager. i don't have her name but she said it was confusing because it says no refund. i explained that the offer to cancel for {$130.00} out weighs the original agreement. She said she needed to review it with her peers and promised to call me back on XX/XX/XXXX but she didn't so i Called Wells Fargo on the XXXX and talked to a Rep that said they agree that XXXX should only charge half and they are reaching out to them to have them pay back {$130.00}. so i called on XX/XX/XXXX to see what is going on. they said they reached out to XXXX and haven't heard from them. I asked how long do they have and they said no time limit. so i asked what happens to them if they don't ever respond. she said they have to. so i asked what happens if they don't she said I don't know. so its not resolved and stressing me out and causing me to lose sleep.

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 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Reporting charges that are not mine.

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 2017-08-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Sunday XXXX XXXX XXXX I attempted to withdraw money from my PayPal account to my bank. The withdrawal immediately was placed into " pending '' status. After speaking with someone in reference to why I was assured that my money would hit my bank at max 48 hours. On Wednesday XXXX XXXX I contacting PayPal again to figure out why my funds have n't been released. I was hung up on twice! Then after being told that I will get my money whenever hung up on again a third time by a " supervisor ''. PayPal has really put me in a financial bind as I need my money. As of today XXXX XXXX my withdrawal is still in a " pending '' status. I feel helpless and ca n't believe this type of treatment is legal. I 've read several reviews on PayPal and they 've been doing this to poor consumers for years under the guise of " sercurity '' reasons. Total XXXX XXXX  we know you guys are making interest from holding onto people 's money! XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXXI recieved in the mail 'EMERGENCY MORTAGE RELIEF 'letter explinig how XXXX get my mortage lowered, i called the number provided and started the process after speaking wit the loan spec., I BEGAN THE PROCESS I recieved and signed all paperwork required .After speakng on a conferance call with ny mortage co. and the above named co. I was insructed to send payment in the amt of XXXX in XXXX mthly payments which was at a 2 % new rate on my home. .after the last payment was sent i followed up with the XXXX XXXX only to find no longer was there any service numbers active. XXXX now XXXX mths behind on my mortage, I need help pls!!!

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 2019-08-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello I have contacted all the three credit card companies and advised them that these accounts have been opened fraudulently. I was XXXX overseas in XXXX when theses cards were opened in my name. I have sent them my XXXX papers and and FTC Identity theft paperwork and yet they fail to remove these accounts off my credit report. The dates are approximately XX/XX/XXXX thru XX/XX/XXXX Here is a list of these accounts : AMERICAN EXPRESS BALANCE {$1900.00} XXXX BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX  BALANCE {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Synovus Bank
State: AZ
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:
I have filed a dispute in regards of the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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 FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I went to a dentist and was offered the Care Credit Card I did n't know about a 6 month promotion or that the card had security on it that was {$50.00} per month. I made my usual requested payment and the balance got higher and higher along with the monthly payment. I have called them on several occasions closed the account had the card security taken off. All I can afford to pay is {$25.00} per month only for the services I received I explained this too them. I get call after call letter after letter.I stay on hold for hours and nothing is resolved. I will pay for the services I charged but not for the other interest and fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have already complained to the OCC Ref. XXXX XX/XX/XXXX, and XXXX dated XX/XX/XXXX.  I now learn I should have complained to you. 
On XX/XX/XXXX The Bank of America closed my checking account without warning with a balance of {$33.00}, XXXX in credit. They claim I did not respond to status questions via my cell phone, but not by email. However I am not in the USA at present, so email was the only way of contacting me.I have banked with Bank of America for ten years with an unblemished record. I have waited for 20 days now to receive a check which has not been forthcoming despite an almost daily stream of emails to XXXX XXXX, Resolution Specialist, Case ID XXXX. 
I am at my wits end, because I am clearly getting the runaround from these people. 
I would like to email you a complete thread of my emails to them and their replies to illustrate the scale of the problem. They are a complete disgraces

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 2022-08-15
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I only authorized one consolidation of my Federal Student Aid Loans, that was the consolidation of XX/XX/XXXX, performed by XXXX. ACS was no longer my student loan servicer. There were XXXX loans consolidated XX/XX/XXXX there were no more loans from XXXX - XXXX to be consolidated. This is fraud! 

There were no Federal Student Aid Loans or any other education loans after the consolidation of the ACS and XXXX Federal Student Aid Loans that were consolidated XX/XX/XXXX. 

XXXX began servicing my Federal Student Aid Loans in XXXX. 

There were no Federal Student Aid Loans or any other education loans to consolidate. 

I never authorized XXXX to consolidate any Federal Student Aid Loans, there were none to consolidate, this is fraud! 

Why has ACS been consolidating my consolidated loans again and again when they were not the loan servicer at the time of the XX/XX/XXXX consolidation ; there were no new loans to consolidate after XX/XX/XXXX? The only authorized Federal Student Loan Consolidation was XX/XX/XXXX.

Company response to consumer: Closed with explanation