BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Chrysler Capital financed my auto Loan in XX/XX/2021 for approximately {$32000.00} and for 7 months has failed to secure the title for my vehicle. The car dealership has also failed for 7 months to secure the title or the tags. The XXXX dealer of XXXX nor Chrysler Capital has supplied the Delaware DMV with financial proof that the title was paid for and received within the 60-day legal guidelines nor was the DMV supplied with proof of payment for the registration fees and as a result will not issue me any more temporary tags. This has been being requested for 7 months and Chrysler capital is forcing me to pay my car payment of approximately {$780.00} per month for a vehicle they have no title to and one that I can not drive as a result of being unable to obtain my tags and registration. 

Each month I have had to pay for temporary tags and at times I have had to struggle to get the Delaware DMV to issue me more temporary tags. Multiple times I have being unable to drive my vehicle as a result of this. I have requested for several months that XXXX have their Dealer Relationship Manager, or the Dealer Control Team assist in this manner, with no results. Chrysler Capital has failed to utilize their resources to assist consumers with problems with dealers in which they finance with.

To assist me in this manner, I have also requested that Chrysler Capital put one or two payments on the back end so that I am not paying for a vehicle that to date, I can not legally register or drive through no fault of my own, but my request was denied. I have also requested that the XXXX dealer supply me with a loaner car while this is being resolved and that request was denied as well. 


Chrysler Capital is not holding their partnerships accountable and not being accountable for the things that they are legally required to do when financing a vehicle for customers. 
I have paid my car payment on time as agreed upon and am disappointed in how Chrysler Capital has handled and has continued to handle this matter. 

I have filed a complaint of Vehicle Fraud with The Pennsylvania Vehicle Fraud Department

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: World Acceptance Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account appeared on my credit report today. I have never had a loan with this company and have never done any business with them. I was never contacted by them or mailed any correspondence. With no interaction or communication whatsoever this account appeared on my credit report showing it was from 2016. This is not my account. I want this removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I mailed out a certified letter to LVNV Funding regarding an alleged debt that they claim that I owe. I sent them a cease and desist letter in regards to the alleged debt. They received the letter on XX/XX/2022, according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good morning my name is XXXX XXXX, I am writing to let your office know that I'm still being harassed by ZWICKER & ASSOCIATES. 
I first reported this business on XX/XX/2019 ID # XXXX XXXX because they were trying to collect the debt by suing me, they send their notice with a sheriff to my home. They are supposedly trying to collect on a debt for XXXX XXXX, by the way that account has been closed. 
All I'm asking is verification and a signature. A contract that shows my signature. I dont needs statements. 
If XXXX XXXX couldn't provide it either and instead chose to close the account why is this collector continue to harass me. I am trying so hard to clean this mess and I don't need collectors pretending to collect on a debt it doesn't exist. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Solar Mosaic LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Greetings. 

I contracted with XXXX XXXX XXXX company to installing solar panels on my home/private business. The sales representative falsified documents pertaining to payment method ( said we could setup auto pay with the company credit card ) however this was false in the final contract. Additionally, the installation timeline in the original communication said we had 3 days after installation to verify the equipment. This was also false, it is 3 days BEFORE. This resulted in panels being installed and damaged to the property being done. 

Upon finding the damage and realizing the falsified contract presented by the sales agent, XXXX XXXX ( XXXX ) XXXX And XXXX XXXX ( XXXX ) XXXX I requested cancellation and was assigned a case manager, XXXX XXXX. XXXX After multiple emails and phone calls, she has refused to assist in the cancellation anymore. She has also refused to take calls, and when I have attempted to call the XXXXXXXX XXXX  am blocked, therefore preventing me from resolving current and future issues. 

Solar Mosaic LLC contracted with XXXX XXXX, on behalf of XXXX XXXXXXXX  to serve me a debt collection letter on XXXX XX/XX/2023 for the installed panels, despite my repeated communication to cancel. My credit score has dropped to XXXX from XXXX and now I am either forced to pay the delinquent amount or face further harassment. 

Additionally, I have been responsible for paying {$410.00} in fees to Solar Mosaic LLC and {$2200.00} in electric bills to XXXX & XXXX that were supposed to be covered by the XXXX XXXX XXXX. 

The panels we installed in XXXX and have not been activated, resulting in no benefits being received. The servicing agent, XXXX, even made mention that panels were not activated when he served me at XXXXXXXX XXXX on XXXX XX/XX/2023. 

In summary, XXXX XXXX XXXX and Solar Mosaic LLC are intentionally targeting XXXX XXXX ( myself XXXX ) and XXXX veterans ( my wife XXXX - XXXX ) with their deliberate refusal to honor cancellation agreements. My intent is to inform and hopefully prevent others from becoming victims of these companies. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I am on the phone and chatting with two Paypal customer services and they refuse to close my account. In addition, I am still on the phone for over 50 minutes he was yelling at me being very rude. I asked for a supervisor and I am still on the phone waiting. While my friend tape-recorded the conversation. XXXX on chat will not answer my questions or assist me in closing my account. In addition, I can't pay XXXX on the website because the ( Paypal ) website doesn't work. I want to close my Paypal account and I am refused because of retaliation. I already filed with the US Attorney General 's office, US Department of Treasury, and FDIC. 

Paypal ran by Schronony Bank has so many poor ratings it is the worst and they refuse to close my account and has the worst customer service that yells at customers and over 1 hour-long wait times. The customer service needs therapy sessions as they yell at customers and treat customers poorly. I tape-record the conversation and sent it to the federal government. I want my account closed! 

THIS IS NOT A DUPLICATE COMPLAINT

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 2023-08-15
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft. Someone has been using my personal information, to try to obtain auto loans and credit cards. My information has also been discovered on the dark web. The incidents started in XX/XX/2022. I have reported this crime to the XXXX Police Department and the Federal Trade Commission. There are numerous hard credit inquiries on all three of my consumer credit reports. I have filed disputes with the credit reporting agencies, to no avail.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo purposely held onto my Purchases with my bank card.. Therefore when I would look at my account balance and buy something.. 3 days later they would charge my Account.. 
I checked before I made a purchase for almost 2 years.. 
This costed me Thousands of dollar in Overdraft fees that would not have been charged, If my online account was accurate.. 
Wells Fargo got caught and was supposed to pay me back, Plus {$100.00} for Damages.. 
I have not received a penny.. 
I would like all my money back.. 
Then we can move onto the denying of Legitimate Wrongful Charges claims. Which is about another XXXX 
As they claim papers lost, They didn't receive... This was after I went into the branch and had them send them... 
Then they deny my Dispute...

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 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
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 am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrected or remove immediately : XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is being listed incorrectly! 

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX

Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX

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 2023-07-22
Company: EQUIFAX, INC.
State: TN
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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit reporting 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 checked my credit report and noticed the company had pulled my report. I never authorized this company to check my credit. I have never heard of the company. It was done XXXX XXXX, 2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX, My creditor paid {$2600.00} as a balance transfer to Capital One that should not have been paid. On XXXX, I opened a credit card account with XXXX and made a balance transfer in the amount of {$2600.00} that was credited to Capital One. My Capital One account had a {$0.00} balance. XXXX charged me {$78.00}, in transfer fees. Capital One then credited {$2500.00} back to my credit card. They took {$39.00} for Interest charges. This was done fraudulent. I never made two transfers. Because of this, XXXX has charged me two transfer fees in the amount of {$150.00}. As well as, I asked Capital One to use the awards balance in the amount of {$31.00} that was on my account and credit it back to my account which may take 2-3 business days before it reflects into my account. Im an Identity theft victim and there was fraud involved on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX have a account that's charged off with a XXXX balance reporting on my credit file and it must be removed, because the account does not belong to me and I do not need any name address and statement as proof, because such information does not constitute a validation, I've never opened any account with this company it's the duty of this data furnished to investigate and resolve the matter, not to send and ask me to send things to them I'm not paying any money to research this account it's not mines and I need it removed and your address is reporting incorrectly ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation