BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-28
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
Chrysler Capital has been consistently reporting inaccurate information to the 3 credit reporting agencies regarding my account with them for the last 24 months. They report I am 30 days late each month which has damaged my credit score and kept me from being approved for a loan that I would be eligible to receive if they would simply correct their mistake. I sent a letter to XXXX about the inaccuracies and they only corrected 5 months of late payments. When I sent them another letter, they retaliated by sending a letter of " Notice of Right to Cure ''. I have proof of cleared checks from my banking institution for each monthly car payment and I've printed out information from XXXX 's database that logs my monthly payments. There is nothing there that states I am late. Now the letter I received today ( XX/XX/2021 ) was dated for XX/XX/2021 is a Notice of Right to Cure, requesting I pay the full balance of {$4900.00} by XX/XX/2021. XXXX has horrible business ethics and are retaliatory because I am exercising my consumer rights are being violated and my credit scores are being negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am furious that this second mortgage was not forgiven after the whole predatory lending fiasco in the early to mid XXXX era. Most second motgages were forgiven as part of a settlement however this loan was sold and improperly and fraudulently switched to seem as if it were a first loan, avoiding the forgiveness process. 
I have paid over {$100000.00} on a {$65000.00} second mortgage and now they want the entire balance of {$51000.00} paid by XX/XX/XXXX. This has to be illegal! 
I don't want to pay them another dime and want this loan forgiven and all that I have paid to them refunded to me. 
The current company, which is probably the fifth, is XXXX XXXX ( PHH ) and the account number is XXXX. XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX. Tel - XXXX. 
I have made numerous attempts to deal directly with the bank however with all of the changes in the companies, who can keep explaining this to non caring individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BMW Financial Services NA, LLC
State: NJ
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:
On XX/XX/XXXX I paid off the remaining loan amount to the captive finance company of XXXX XXXX, BMW Financial Services doing business as XXXX XXXX XXXX. 
1 ) After 4 years of paying on time they had me wait two weeks to send the title for my check to clear 2 ) When I finally received the title on XX/XX/XXXX, they sent the wrong title 3 ) When talking to them over the phone on XX/XX/XXXX, they insisted on me first returning the wrong title that they sent before they can send me my title. 
4 ) When insisting that they should return my title even before I returned the wrongful one, they refused. They also refused escalating the call any further after talking with a Service Manager called XXXX. No last name. 

We see BMW Financial Services treating its customers as untrustworthy even when the customer has complied in every respect and they have not. 

A company like BMW should hold itself to higher standards, standards that respect and put the customer first as opposed to putting their company fist even when they make mistakes.

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 2020-05-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Today, XX/XX/2020, I received an alert about a new inquiry on my credit report. The inquiry was reported the day before on XX/XX/2020. When I checked it was from a Lowes in XXXX, Florida ( SYNCB/LOWES PLCC ). I live in XXXX and have never had a Lowe 's credit card nor have I ever tried to get one. I called Lowes Customer Service and they were unable to locate the application or any information using my name and zip code. I tried calling XXXX but they are closed so i will try again in the morning. I also put a freeze on my credit just in case.

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 2020-11-19
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

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 2020-05-22
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries 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

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 2020-09-03
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank decided to close my Mastercard account and freeze my card. This renders our cardholder agreement null and void. However, CitiBank has increased the monthly payment on this account citing the cardholder agreement, and then changed the cardholder agreement after they closed my account. Citi chose to close this account without my knowledge or permission, and without " contacting the cardholder and attempting to resolve the dispute '', and therefore the cardholder agreement is no longer effective. In addition, I do not agree to any changes to the " cardholder agreement '' after my account has been closed. Citi Bank needs to lower my monthly payments back to what they were when they closed the account and froze the card, and to the original cardholder agreement.

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 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Bank of America credit card. I received the card around XXXX of XXXX. The credit limit was {$5000.00}. To my knowledge I have always paid on time, as a matter of fact I had over paid. Yet they closed my account in XXXX of XXXX. I'm not clear on exactly what my interest rate was, but I believe it was near 26 %. I do not know why they closed out my account and I had a XXXX balance.

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 2020-11-19
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our mortgage was sold to Freedom Mortgage. Upon transfer, we were immediately contacted by their mortgage broker, XXXX XXXX, who advised that they can refinance our mortgage to a lower rate saving us money monthly, all we needed to do was come off of the COVID forbearance plan. He called relentlessly until we provided the information. We provided them with the documentation necessary and they hit a snag where the previous mortgage company did not provide FHA with documentation to close out our loan properly. We were instructed to contact the previous mortgage company but were not told what was needed and provided a deadline of a week and a half to get the information. Since that time I have been calling XXXX and the mortgage company to get answers but to no avail. He has not returned any of our calls and one of the associates tried to reach him while on the phone with me but received no response. An email was sent to XXXX and his supervisor and we still do not have a response. It seems as if they were trying to get us off of the forbearance plan so that we can pay them and now they will not assist us in getting back on. This feels like a scam.

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 2020-10-25
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX XXXX XXXX is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. XXXX XXXX XXXX agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.

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 2017-08-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1. Tried to log on to website mysynchrony.com but was not able to get through due to account number not matched with username. Username was recovered through matching account number. Tried to reset password but was denied and was asked to recover password by asking security questions. 2. Password recovery was unsuccessful so called customer service. 3. Customer service could not match last four social security number with account number on file. I asked the representative what information was on file but she denied. I gave her my wife 's last four social security number as well and was still unsuccessful to get through. She also states that she was not able to reset my password without the correct social security number provided so she recommend that I send her a photo copy of my driver 's license and social security card to their office. 4. I told her to let me find out more information and will call back to arrange payment. 5. Two days later, a representative calls my boss looking for me to arrange a payment. So it was curious to me how they have my boss as a contact and not me on file. I spoke to a representative and they denied ever calling my boss. They said their was n't a phone number on file. I asked what information was on the profile because they have spoken to me and my wife within the past 3 days and was never asked to update our profile on their end yet they have access to contact my boss to arrange a payment. Never once did me or my wife, the account holder, was contacted by phone. 6. The representatives are confused over simple questions and can not answer any question. Only reply from them is " I am not able to release that information to you '' or when asked to speak to a manager they tell you " they can not help you ''. 7. I have had this account for almost 2 years and was never late all of sudden I can not access my profile online on their website. Can not speak to anyone on their end to reset my password or to get information on what is social security number is under my name. Yet they have the information to get a hold of my boss to ask him to arrange a payment. 8. I fear this company does not have the correct information under my name and my wife 's name. Also the person who has the social security number on my profile may report identity theft and we will be accountable because syncrony bank has the wrong social security number on file under my name and my wife 's name. I have paid off all the balance and closed it on XX/XX/2017. When asked by the manager over the phone as to why I wanted to close the account, I stated " you have poor customer service and you have the wrong information on file ''. I was given a reply that those were not an option I can give.

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 2020-07-06
Company: SYNCHRONY FINANCIAL
State: MA
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:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/XXXX, XX/XX/XXXX for 30 days lates. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-09-04
Company: Colony Brands, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several months ago I was made aware of a XXXX XXXX credit card opened in my name. I finally cleared it up just to find out that it was a XXXX XXXX account in my name from the same company. I have contacted XXXX XXXX several times and they are refusing to accept any information about this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan servicing, services my loan. 

XX/XX/20 I requested and was granted the forbearance plan on my loan, end date XX/XX/20. 

XX/XX/20 I received a letter from SLS about my Forbearance plan. It didn't reflect the Cares Act passed by XXXX. 

XX/XX/20 I requested and received an extension on the forbearance plan, end date XX/XX/20. 

XX/XX/20 I received a letter from SLS about the forbearance plan. It didn't reflect the Cares Act passed by XXXX. 

XX/XX/20 I received a letter confirming who the current note holder are on my loan. 

XX/XX/20 I requested ( by letter ) that my Forbearance plan reflect the terms and conditions as the Cares Act passed by XXXX on XX/XX/20. 

XX/XX/20 I received a letter from SLS stating only that " The account is currently participating in a forbearance plan ''. 

XX/XX/20 I received a letter with instructions for " Mortgage Assistance '' I also received a letter with a " Relationship Manager '', XXXX, Teller ID ( XXXX ) I also received a letter with possible options. Including but not limited to : Refi with another lender Loan Mod Repayment plan None of which properly answered my request. 

XX/XX/20 I received a call from SLS stating that my Forbearance plan has been extended until XX/XX/20

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 asked Transunion to investigate the following inquiries, they haven't investigated and keep replying that they are inquiries and nothing can be done. They should be removed promptly. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2020-10-26
Company: SLM CORPORATION
State: TX
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:
Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: TX
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:
Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
G. L. A. collection company, incorporated. 

XXXX XXXX XXXX, XXXX, KY, XXXX Phone : XXXX On XX/XX/XXXX. I received the mail notice from the above collection company. They tried to collect three medical debts under my name. The amounts of debt were XXXX and XXXX separately. 

On XX/XX/XXXX, I replied to the above collection company by mail and gave them my health insurance information. I asked them to contact my insurance company and solve my medical debt problem. However, the amounts of debt they ask for are exaggerated. During all my ER visits, I was only asked to rest there and no medicines or treatments were given to me. For my second visit, I asked for a sandwich. 

On XX/XX/XXXX, I called the above collection company. They agreed to contact my insurance company and mail me a copy of my medical bills in 45 days. 

On XX/XX/XXXX, I called the above collection company. They admitted that they did not contact my insurance company and did not mail the medical bills to me. More ridiculously, they even did not have the medical bills ( or statements from the hospitals ) in hands. It means they did not have the necessary evidence about the debts when they first reported them to the credit bureaus! 

My life has already been destroyed by their reckless behaviors. I was refused to get a mortgage and raise my credit card limits. 

Whenever I called them, they asked me to pay the amounts they asked for but never mailed me any evidence about the medical debts. And they delayed to mail the evidence to me on purpose even I insisted on it and gave them the deadline. I believe this is the fraud now. 

I have all the phone calls between me and the company recorded. All statements above can be verified by solid evidence.

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