BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
We purchased a vehicle from XXXX XXXX XXXX, XXXX VA in XX/XX/XXXX, financing it thru Chrysler Capitol. In XX/XX/XXXX we refinanced it thru XXXX XXXX XXXX XXXX, and so the loan was paid off at that time with Chrysler. On XX/XX/XXXX, I accidentally, thru my bill pay feature at XXXX, sent {$450.00} payment to Chrysler Capitol. By that time, I had no account, owed them nothing. After realizing my mistake, I called their customer service number, and was told it could take 30 days to receive my money back. After 30 days I called and they said it could be 45 days, after that, 60 days. Then they said it was " under review, could be 90 days, the check would be mailed by Friday, and the check was in the mail, etc etc. '' I have called multiple times, always told a different story, passed around to managers and supervisors, and now we are at the point that when we call, we are put on hold and no one returns to the phone.My husband and I have talked to everyone that they will let us talk to at Chrysler Capitol, spend hours and hours on hold, being transfered to various people, and no one will help us. We have financed 2 vehicles with Chrysler Capitol were good customers, never late or defaulted on any payments, this was just a mistake on my part. Why would they not return that money? Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
This is an update from complaint # XXXX. 

The text of the complaint is : " On XX/XX/XXXX, I received a notice from my credit monitoring service that a change took place on my credit report. I reviewed my credit report and found a hard inquiry from Capital One. It was not applied for by me, and I had had 4 other instances of identity theft happen in the last year and I even had placed a credit alert on my credit record. I called Capital One that day and many times over the next week, and no one could find the account ( I'm guessing since they denied to open it ). Soon, I received a letter in the mail declining opening the account, a Capital One Justice credit card. I called that day and told them it was fraudulent, and asked that they relay that it was fraudulent. However, I never received a written confirmation that they would mark it as fraud and notify the credit bureaus. I noticed it was still on my account on XX/XX/XXXX, and contacted Capital One through XXXX, asking for a call. I explained the situation again, and asked for a letter confirming it would be marked as fraudulent and to have it removed from my credit report. It is still on my credit report as of today, and I have still received no written confirmation. I have recently applied to refinance my student loans and I am concerned this will impact the rate I receive. '' I received word from Capital One after submitting this dispute that they have contacted XXXX to remove it from my report. 

I do not believe this to be true, as it still appears on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} US DEPT ED XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$900.00} XXXX XXXX   XXXX {$320.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$8200.00} XXXX  XXXX {$3300.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX XXXXXXXX {$500.00} XXXX XXXX-XXXX  {$900.00} XXXX XXXX {$3700.00} XXXX/XXXX XXXX {$1700.00} XXXX XXXX {$8100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: CORELOGIC INC
State: MD
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 have received several notifications about for a hard inquiries on my credit report which to the best of my knowledge was not initiated by me. I did however contact these companies to resolve this issue and also filed a report for investigation with the credit bureaus but this has gone unsolved. The hard inquiries are still on my credit profile and has made my score go down greatly and I still haven't been heard. Both XXXX and XXXX are reporting inquiries on my file differently.

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 2018-06-10
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has re-inserted negative information that has already been removed. This is against the law. These accounts are fraudulent as I am a victim of identity theft and need to be immediately removed from my account : 1. US Dept. of Ed/XXXX/XXXX # XXXX 2. XXXX XXXX  USA/XXXX # XXXX 3. 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 2023-01-10
Company: Regional Management Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2022 I sent Regional Finance a cease and desist which they received as evidenced by the attached letter. I asked the company for several different documents. The corporation sent a copy of the agreement. The corporation sent nothing else. The corporation was also asked to request deletion of the named account from the credit report agencies. The letter I received did not acknowledge that request and the account is still reporting on my consumer report. I did not give the corporation permission to furnish my financial information. The corporation did not give me an opt in or opt out option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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:
Pursuant to 15 USC 1681n ( b ) " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency or {$1000.00}, whichever is greater. '' As a consumer and a natural person I did not consent to, authorize nor benefit from any of the following inquiries. 

Block and remove XXXX XXXX  XXXX XXXX XXXX from my equifax report Block and remove XXXX XXXX XXXX XXXXXXXX from my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased 2 XXXX dirt bikes using the XXXX credit card a line of credit provided by HSBC. I got behind on payments and HSBC sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX 2011 stating she was with XXXX XXXX XXXX XXXX and was collecting on the HSBC debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as HSBC ( found out later ). I then realized that not only was the debt not settled but XXXX XXXX XXXX sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by HSBC who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. HSBC has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I apparently have an Experian account. The account number is XXXX. I am unable to give my last address for the experian account to close the account as I have changed addresses frequently. I cant recover my password without knowing which address. I do not want this service, I dont even remember ordering it. Please have experian close this account. I have been trying to close for several months.

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 2020-08-02
Company: Westlake Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/XXXX, I was given a loan in the amount of {$19000.00} by Westlake Financial Services, for the purchase of a XXXX XXXX XXXX. This loan amount included the purchase price of the car, taxes, fees, and licensing. 

The terms of the loan were payments of {$520.00} per month for 72 months ( 8 years ) at 24.99 % interest. After I received the loan, I received calls from blocked numbers, recorded lines, and numbers with varying area codes.I received calls outside normal business hours ( past XXXX XXXX ) repeatedly. 

Ive been charged upwards of {$150.00} for insufficient funds and varying amounts for late charges including a most recent charge of {$660.00}. 

This business has been sued by the federal government and by the states of New York and California. Theyve settled in these lawsuits, but they have not changed their predatory lending practices with current clients. 

Between XX/XX/XXXX-XX/XX/XXXX, I have made XXXX in payments, double the original price of the car.If I were to complete the terms of this contract, paying {$520.00} for an additional 54 months, I will have paid a total of XXXX ( plus any other predatory lending fees ) for a XXXX car. 

The current XXXX XXXX XXXX price for this car is $ XXXX.Clearly,  Westlake Financial Services is a predatory lender. They do not act in Good Faith and their practices are not only unethical but criminal. 

I would like the contract nullified immediately, payments to cease, and I would like the pink slip of my vehicle issued to me.

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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
1. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
2. XXXX Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/2017. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information. 
3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
4. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
5. XXXX XXXX XXXX XXXX : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information. 
6. XXXX XXXX : XXXX : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}. 
7. XXXX, Trans Union, XXXX, XXXX : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score. 
8. XXXX, Trans Union, XXXX, XXXX : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score. 
9. XXXX, Trans Union, XXXX, XXXX : Each are under reporting my available credit. 
10. XXXX, Trans Union, XXXX, XXXX XXXX Each are not reporting my XXXX XXXX Credit Card Account with an available balance of {$4000.00}. 
11. XXXX, Trans Union, XXXX, XXXX : Each are improperly reporting a Chapter XXXX Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be removed.

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 2019-03-20
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : I submitted for our PMI to be removed XX/XX/XXXX : Our house was appraised by the bank designated XXXX XX/XX/XXXX : Called Roundpoint and was informed our home had depreciated in value and was appraised at {$270000.00}. We bought the house XX/XX/XXXX for {$350000.00} in XXXX XXXX, CA. The market has only appreciated. First person I spoke to said I needed to appeal to the XXXX. Second person said I needed to submit supporting documentation and request Roundpoint to review. Nobody seems to know what's going on. 
XX/XX/XXXX : Submitted documentation to Roundpoint for review. 
XX/XX/XXXX : Called Roundpoint and was informed it was still under review XX/XX/XXXX : Received the appraisal in the mail. The appraisal associated with our account is for a property in XXXX, AZ ... not our address! 
XX/XX/XXXX : Called Roundpoint and was informed the current appraisal value was {$460000.00} as of XX/XX/XXXX. Was informed somehow the PMI request was closed and the representative would send it to his supervisor to reopen. Was informed someone would call me within XXXX hours. 
XX/XX/XXXX : Still haven't heard from anyone. Called Roundpoint.  Representative said the last appraisal they have on file is from our Escrow process for {$370000.00}. But the value is {$460000.00}? Doesn't seem to know what's going on. I ask to speak with supervisor. Supervisor apologizes and says he is emailing me along with their Mortgage Insurance department so that I have his direct contact info. Asks for several days so he can figure this out. I confirm I have his direct line and he confirms. 
XX/XX/XXXX. Email Super and ask for update. No response. 
XX/XX/XXXX. Still no response. Call the number he gave me and get the main line. Clearly not his direct line. Email supervisor asking for update, and inform him I will be filing a complaint. Get an automatic out of the office reply. 

Clearly this is really upsetting, that 1 ) nobody seems to know what is happening and I've had conflicting information throughout the process 2 ) They actually mixed up my appraisal with someone and there has been no other explanation, no initiating communication, 3 ) This has been going on for 7 weeks now and they can't seem to figure this out. 4 ) The Supervisor led me to believe this was his direct line and he has been completely absent other than our first conversation. Is this a scheme?

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 2018-06-10
Company: Dealer Funding, LLC
State: SC
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 was a victim of identity theft and submitted a police report to verify my statement to XXXX and XXXX. Neither was willing to understand that I was a victim. Someone abstain an auto loan with dealer funding llc and XXXX XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-04
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
INTENT TO DRFRAUD US GOVERNMENT / INSURANCE FRAUD AND CONSUMER FRAUD SPECIFICALLY PMI FRAUD IN A RECENT CFPB REPLY NATIONSTAR/ MR COOPER STATED MY HOME IS AT 87 % LTV WHEN IT IS ACTUALLY 57 % LOAN TO VALUE ... I AM A XXXX THESE LIARS NEVER DID AN APPRAISAL SO I KNOW FOR A FACT THEY ARE GUILTY OF SYSTEMATIC INSURANCE FRAUD. ***EVEN IF IT IS JUST THIS ONE CASE ... I WANT THEM REFERRED TO THE FBI FOR PROSECUTION AND FINED FOR LYING TO THE CFPB ON THEIR OFFICIAL RESPONSE****

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo had someone to open up an account without my knowledge

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 2021-08-16
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent out a validation request form & the company refused to get back with

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 2020-08-02
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections is not from original creditor. I do not owe OAC-XXXX {$210.00}. I never heard of OAC I never did a contract with them.

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 2021-08-16
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was detected by credit monitoring ( XXXX XXXXXXXX and XXXX. Showed up as a collection account and I don't have any accounts in collections. I have never heard of this company nor recognize the amount they are collecting.

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