BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: Santander Consumer USA Holdings Inc.
State: TX
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 2018 the vehicle in question was totaled. The other drivers insurance took the blame because the vehicle was rear ended. The loan was given with GAP, and the other drivers insurance paid XXXX towards the loan with GAP supposed to pay the rest. GAP didn't pay the rest because the loan company ( SANTANDER consumer USA ) reported the wrong amount that was due for some reason. They subtracted two months of payments instead of going on the amount from the date of the accident. So GAP didn't pay the whole amount, and they put it towards us to pay ( which we shouldnt have had to because we paid for the GAP insurance ). They kept the account open for 2 years allowing the payments to accrue interest before charging it off instead of trying to make more money by making us pay instead of letting GAP take care of the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've recieved a letter on a debt that was deleted from my credit file awhile ago after disputing with the credit bureaus. Then the account was sold to a collection agency XXXX XXXX XXXX XXXX back in XXXX. I disputed and was removed from their systems and given back to XXXX. I filed a complaint back in XXXX. Now this new company is doing the same thing. They are trying to re-age the account. This dates back to XXXX. Now I've submitted proof to show it was deleted from the credit bureaus. When I disputed with XXXX XXXX. So I will do the same with this company. Also since they have not provided me with anything other than a letter to collect I want the following mailed to me in it's entirety : Debt proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor A copy of their license to collect in the state of NJ

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am XXXX XXXX Military. I have given my wife complete power of attorney over all of my affairs. My auto Loan was sold to a collection agency by the name of Westlake Portfolio Management. My wife made every attempt to do business with this company by submitting the power of attorney and speaking to the companies lawyer via email. They continued to deny her access to manage the account so we went to our local JAG office and had them investigate this matter. After the investigation was complete they found that this company has violated several North Carolina laws to include the Truth in Lending Act Discrepancy, False Rebate, and Unlawful " loan packaging. All that was requested at the time was that a voluntary surrender of the vehicle take place and the vehicle to reflect positively on my credit report. In a verbal conversation with my JAG attorney, Westlake 's attorney XXXX XXXX agreed to the surrender and was in the process of handling this matter. A short time later a repossession truck came like a thief in the night and took the car without any attempt to retain the keys that were in our possession. When our attorney brought this to Mr. XXXX 's attention he sincerely apologized and said he would handle it. My attorney has not heard from him since. We have sent out demand letters to this company and they have gone unanswered. This company has since reported this as a repossession to the credit burros and damaged my credit significantly. I have tried to dispute this with the credit burros and Westlake has now been reporting a deeper delinquency on a monthly basis causing my credit to plummet. I have enough to deal with in the XXXX XXXX then to deal with this level of harassment. My JAG attorney has advised that I seek an off base attorney to sue Westlake for all it has done and continues to do. Westlake will respond to this site with lies as they have done in the past. After investigating this company I have found that they are in over there head with lawsuits for harassments to customers. After my wife has made over fifty attempts to deal with this company with not only my power of attorney but with my written and verbal consent as well, she has asked Westlake to stop harassing her if they refuse to deal with her. They have made well over fifty harassing calls to her calling her XXXX, XXXX, and threatening her with jail, garnishment of her social security checks, and ruining her life and she's not even on the loan! I want this company to be held accountable for there actions. They are bullies and unprofessional!! Enough is Enough!! What a way to treat a service member and there family. Shame on you Westlake Portfolio Management!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-05-18
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Yesterday I received a letter from comenity capital bank for XXXX XXXX stating that someone one had applied for a credit card under my name and It was denied. I never applied for a credit card with that company. I have not even been to a XXXX for a over a year. They also sent another letter under a strange name to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
n accordance with the Fair Credit Reporting Act XXXX  XXXX opened XX/XX/2022 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 This account is not mines

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 2022-04-05
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive paid Marcus by Goldman Sachs Bank US for a loan amount that I owed. The bank hired XXXX XXXX XXXX XXXX  to collect the XXXX. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both XXXX and Marcus by Goldman Sachs and they have both been no help. I have a paid off balance letter from XXXX and Marcus By Goldman Sachs says they do not have it and I still owe the balance. The two companies will not speak to each other as Ive tried everything as a consumer to get this fixed. Goldman has no way of contacting XXXX to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a consumer I can get a free credit report, with reviewing my credit report I have notuce that CCS Collection have been violating my rights as a consumer, they are harassing me, defaming my character, jeopardizing my family, hurting my future, according to 15 USC 1692 they have to pay {$1000.00} per violations. The list of violations are 15 usc 1692 b2, 15 USC 1692 b ( 4 ), 15 USC 1692 c1 ), 15 USC 1692 c, 15 USC 1692 d, 15 usc 1692 f. I have attached an copy of my FTC, License, and SSC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: TX
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 requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX Edition, XXXX, defines XXXX as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they  report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: JPMORGAN CHASE & CO.
State: FL
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:
My Chase XXXX card has 9 charges that are fraudulent. They all say they are from XXXX. 
I disputed these charges, they were then temporarily credited to my account, then after Chase 's " investigation '' they were charged back to my account. I have repeatedly told Chase that these charges are fraudulent. They sent a letter which listed these charges, without stating what they were, just that they are from XXXX, claiming that they are not fraudulent. I have repeatedly spoken to Chase representatives and sent secure messages on the Chase website, stating that the charges are fraudulent. PLEASE HELP!!! I am XXXX years old and calling Chase and sending them messages repeatedly is very disturbing. 

dispute posted re- Case Number Date Opened Transaction Date date Description Dispute Amount trans # posted XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$46.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$36.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX, FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX $ {$400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: CBC Companies, Inc.
State: OH
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 have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}

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 2017-10-05
Company: ALLY FINANCIAL INC.
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:
GMAC hired XXXX XXXX to repossess a vehicle that my ex girlfriend, also on the loan, took when we parted ways. XXXX XXXX ( Case # XXXX assigned to XXXX XXXX XXXX ) sent a truck to my door at XXXX on XXXX/XXXX/XXXX. The representative for XXXX XXXX told me he was trying to locate the XXXX XXXX. I explained to him that my ex-girlfriend had the car and that I believed her to be living in Mississippi. The XXXX XXXX representative then told me that I will be charged with a 3rd degree Felony. He gave me his business card and left. He was driving a tow truck. I do not believe it is legal for him to threaten me with a felony.

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 2017-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I AM FILING A COMPLAINT ABOUT BANK OF AMERICA. 
Someone stole my ATM card without me knowing when, XXXX XXXX, XXXX they proceeded to use my card on line and then at an ATM withdrew over XXXX in XXXX XXXX I was told taken out of my account I have never taken large amounts of money out of my account, and I asked them to review the video of the thief and they would not let see the video to see if I recognized the criminal. I. I went to file police report when they told me I need it to open a case. I was at Bank of America on numerous occasion trying to get my money. They closed the case and kept {$1900.00} my checking and savings money. how can that be right? I am a hard working woman, not a crook or criminal, I have no reason to be treated this way. It has been 3 months with no answers yet. Then they had the nerve to tell me they closed the case could n't pay my bills, lost my apartment, and on the verge of losing my car. On top of that I am have an XXXX XXXX, because I was treated unfairly. I went to the police department again to complain about the bank and they threatened to put me in jail if I came back. What kind of people do this I need a resource to help me get my money back from crooked Bank of America, who said its not their fault. Well I did not commit a crime they did. This is case # 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 monetary relief
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}

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 2017-10-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
.I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind on my mortgage. Over the past year my loan has been sold twice and the current holder is Gregory Funding. I have submitted an application for loan modification or any assistance and I was denied because they stated that wanted a downpayment of approximately {$65000.00} to do something which they know I do not have so I was denied. They stated that the are only a service agent for the holder of my loan who is an investment company and they are not an institution that can offer load modification or refinancing due to their rules. 

I feel that they are not being helpful with helping me with my situation. If I had the funds to pay them, I would be able to pay the default payment to get me current, but their inability to offer forbearance, refinancing or loan modification is not legal and I am filing a complaint. I may be missing information you need and will be able to submit any information you need. 

XXXX XXXX XXXX XXXX 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 2020-04-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX reports my account as 120 days delinquent in XXXX and XX/XX/XXXX ; and 90 days delinquent in XXXX and XXXX in XXXX to the three major credit reporting agencies. This account has been in a deferred/forbearance state since its inception due to my inability to pay. I have never been required to make a payment on this account because of this status. I contacted the servicer directly in XXXX, XXXX and XXXX to correct this error, however the inaccurate information has not been removed. Additionally, my credit history has been negatively impacted.

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