BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a vehicle with a loan from Santander. In XX/XX/2017, my car was totaled. My insurance paid the amount that my car was valued. I submitted everything needed for my GAP insurance to cover the rest. My GAP insurance sent the payment to the dealership I bought my new car from instead of Santander. Once I found that out, I had the dealership cut a check to Santander for the remainder. Santander took 4 months to close out my account after they got the remainder of the load payment. Santander now has 5 charge offs on my credit report for payments that were late even though it was out of my control because of the wreck and GAP insurance company. I have tried contacting Santander but because I no longer have an account with them I can not get in contact with anyone. I filed disputes on all credit bureaus but nothing has changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I received postal notification from Cashnet stating that I owed {$1200.00} reference number XXXX which is a personal loan that was approved on XX/XX/XXXX. This was the work of a hacker who stole my information and used it to withdraw the above amount. I did not receive billing for this account until approximately XX/XX/XXXX. I spoke with a representative concerning this matter, and was told to file a police report then wait on an additional billing statement then contact customer service once the letter was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Rock Creek Capital, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAD A LEASE VEHICLE THROUG XXXX XXXX WHEN I WAS A XXXX XXXX  I TURNED THE CAR BACK IN THE MONTH OF XX/XX/2018 AND I DID'NT OWE ANYTHING THE COMPANY WAS TAKEN OVER BY FAIR ACQUISITIONS I READ THROUGH A POST I FOLLOW CONCERNING XXXX XXXX  FAST FOWARD TO NOW I WAS CONTACTED BY XXXX XXXX XXXX ON BEHALF OF ROCK CREEK CAPITAL LLC STATING THAT I OWE XXXX AND THAT'S UNTRUE I OWE THEM NOTHING BUT THIS COMPANY FAIR ACQUISITIONS NEVER TRIED TO REACH ME ABOUT ANY DEBT AND I HAVE BEEN AT THE SAME ADDRESS FOR YEARS I FEEL THEY WERE BEING VERY DECEITFUL NOW THIS COMPANY THEY HIRED HAS PLACED THIS ACCOUNT ON MY CREDIT UNFAIRLY AND I AM STRESSED OUT SO PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: NC
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:
Information that was previously deleted has been reinserted without proper notice being given. 

XXXXXXXX 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 2017-10-27
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:
There is an unverified account reporting on my credit reports with XXXX, XXXX, and Experian. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, XXXX, and Experian to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.

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 2022-04-01
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a XXXX  credit card in my name in XXXX ( i moved out of that address in XXXX ). I got a summons for a court date and i told the judge it was fraudulent charges. He told me to work with the other party. The rep was from Mandarich Law Group.

Mandarich Law Group who represents XXXX XXXX, i have complained to both that I did not make the charges and they should research the original application for credit and who applied for it. 
Now they keep sending me a bill demanding more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: EQUIFAX, 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:
There is an unverified account reporting on my credit reports with XXXX, Equifax, and XXXX. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, Equifax, and XXXX to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all XXXX Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017 AR Resources placed an account for the amount of {$1000.00} on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was targeted by Capital One for their Savor credit card. I applied for it, since it includes a {$200.00} welcome bonus for costumers with excellent credit score. Since I have an excellent credit score, I thought it is a nice benefit of the card. However, I didn't find any instruction when I received the credit card within the activation instructions. So I have reach out to Capital One via phone and later via email. I am happy to attach the email communication and the advertised benefits to this complaint. My problem is that the welcome bonus for some reason is not available to me, and I think this is a false advertisement. I thought a large credit company such as Capital One would stand by their words/advertisement. But no resolution offered from them, therefore I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a paypal credit card in my name in XXXX ( i moved out of that address in XXXX ). I got a summons for a court date and i told the judge it was fraudulent charges. He told me to work with the other party. The rep was from XXXX XXXX XXXX. 
XXXX XXXX XXXX who represents XXXX XXXX, i have complained to both that I did not make the charges and they should research the original application for credit and who applied for it. 
Now they keep sending me a bill demanding more than 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 non-monetary relief
Consumer complaint received 2021-11-09
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan with XXXX XXXX and had a payment due XX/XX/2021. It is not even 30 days late and I have the Vice President calling my phone saying that he has approved " action '' to be taken if I don't call the office back. I came down with XXXX in early XXXX and am still on XXXX. I can barely complete more than a few sentences without XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The doctors have said I'm a " XXXX XXXX '' patient and they aren't sure how long these symptoms will last. I'm unable to work right now because I can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I full intend to repay this loan as soon as I'm able but I feel like having the vice president call my phone and threaten " action '' ( unspecified action ) if I don't call back by XXXX is a bit much for someone who isn't even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
When I pulled my XXXX credit back around XX/XX/XXXX I realized that there were multiple Student Loans on my credit report. I contested those loans given I did n't sign as a co-borrower for these loans. I also just finalized a Chapter XXXX bankruptcy. I have my own Federal Student Loan that has been on pause while I was in Bankruptcy. When I logged onto Navient I realized they were listing all of my ex-wives loans on my account as well. I have requested the original promissory notes and it is obvious that at least four of the six promissory note signatures have been forged. I want to take my name off as a co-borrower on these loans. My ex-wife has entered a diversion back in XX/XX/XXXX for forgery charges. In addition, in XX/XX/XXXX she was charged with a misdemeanor and entered into probation for embezzling money as the PTO Treasurer of our daughters school. I simply want my name taken off of these loans as a co-borrower due to forged signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX to Gregory Funding. I was on a forbearance program last year. 
This year, I started to pay my monthly payment every month on time ; however, I was told that they were processing all payments manually. This process is causing a late fee every month due to the volume of customers they have in their books. 
This XXXX, I've received a Forbearance Agreement Trial for three months. Payments are high. After the three months, I have only one option, Loan Modification.

I do not want to extend my Loan or keep the high monthly payments. 
I thought the government stated that customers would be able to put the amount owed at the back of the Loan.

I have been in communication/conversation with Gregory Funding almost every month, dates documented. 
Please help. Assistance will be appreciated. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: SYNCHRONY FINANCIAL
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 contact the credit bureau ( XXXX ) about these inquiries on my credit report being unauthorized and unverified. I was told they are required by law to not remove that information. Here are the list of inquiries I informed them about. 

Synchrony Financial 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 2017-10-27
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$82.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: BANK OF THE WEST
State: AL
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:
Bank of the West never sent the Title for my Boat, Motor, and Trailer after I paid off my loan. I moved and am still in contact with the people living in my old house. They have not received the documents either. 

I 've contacted Bank of the West numerous times and the only thing I got from them was a UCC filing showing the debt satisfied and the lien released. 

I previously had this same problem ( no Title returned ) on a car that was financed through them by a dealer.

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 2022-04-01
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
In XXXX my car got total, I let ally know and it was growing through the insurance process. They couldnt deem it as total loss, but gave me an amount that I sent to ally with my gap coverage. However, gap did not cover the final amount but my car is fully totaled?

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 2020-12-19
Company: JPMORGAN CHASE & CO.
State: CO
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: Problem with personal statement of dispute

Complaint:
Hello I lost my job and couldn't pay my credit cards three months all this happened during the coronavirus period i went through a hard time I paid all my debt to chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I sent a dispute letter to Transunion about a bankruptcy that they are reporting on my credit report. Their answer was that they verify the account with the furnisher, but the furnisher which in this case is the court send me a document saying that they don't share information with the bureau. TransUnion has failed to send me proof of verification including method of verification as they are required by the law. Attached are the previous letters I sent to TransUnion.

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 2019-02-11
Company: Experian Information Solutions Inc.
State: TX
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:
Experian claim they verified this Accounts below XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Experian to remove this account due undocumented proof.

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 2020-12-19
Company: Experian Information Solutions 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:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2017-10-27
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$1800.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is  attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo is a fraud, and I will publish a new complaint everyday until my problem is actually handled. I had {$2000.00} stolen from my account and they dont care. They didnt bother to do any investigation. They continually tell me the same thing. Contact us to see what we used to research the claim. But they cant send anything because no one did any research. No one reached out to me to provide more information or to ask me about the charges so how could they testify that they completed a thorough investigation. And who completes a thorough investigation in two days? The company is just a fraud, and no one is of any help at the bank. Probably because Im an XXXX-American woman, had I been XXXX, my case would have been solved in my favor and Im sure of it. No one treated me with any kindness or regard to my money being stolen. Dont ever bank with this XXXX, company. I will be complaining everyday on CC, and social media platforms until I have my money back. I mean every single day. This is ridiculous.

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 2017-09-18
Company: Bridgecrest Acceptance Corporation
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
They are constantly calling threatening about this vehicle

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In acordance with the fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions.

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