BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/15 I obtained a car loan from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I obtained this car loan with my sister, XXXX XXXX, as my co-signer. 

When I went in for the loan, the dealer was very pushy and spoke very quickly about what it would take and what I would be charged, and my interest rates. He said all of this very briskly and quickly began to draw up the paperwork. He stated that I only needed my sister to co-sign and that it did not matter that she was not employed. I trusted the dealer to stay true to his word. 

I was rushed and pushed to sign the paperwork very quickly with my sister, and was not given time to look over the information and the percentages that we spoke about. After I left the dealership, I began to look into the paperwork. 

In the paperwork, the dealer stated that my sister was working and had a job. That was completely fraudulent information. He also stated that I made more money than I actually made from my supplemental part time job. The percentage rate, 19.63 %, was not what we discussed in the office. Also, I was given fraudulent information that I could renegotiate the loan after a year to a lower rate with the same bank. 

I recently learned that XXXX XXXX was shut down and that several employees and the owners were arrested under a Federal Investigation for creating and producing fraudulent loans, predatory lending practices, and supplemental information for the loans. I firmly believe that I was a victim to this and that my loan is a result of predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I sent a certified debt validation letter to National Credit Adjust in regard to account number XXXX. It is now XXXX XXXX and I have not received proper proof from National Credit Adjust in reference to the above account. Being that National Credit Adjust has violated my FCDPA rights by not providing proof and ignoring my certified letter it would be lawful for this company to cease collection and delete account from all 3 credit bureaus.I have attached proof that I sent my certified debt validation letter, proof that a person in there company received my letter and the debt validation letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I obtained a car loan thro ugh Santander Consumer c ompany on   XXXX   XXXX   XXXX     a  XXXX   XXXX  My fist payment was due on   XXXX   XXXX   XXXX   I made my  1 st.  Payment on   XXXX   XXXX   XXXX   2. Payment on   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.    XXXX   XXXX   XXXX    5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   Santander took my  XXXX  payment that was intended for  XXXX  Payment and only credited me for the principle payment of {$22.00} and put the rest towards my interest. Then they charged me a late payment and affected my credit with another lender that I was trying to refinance the loan with for a lower rate, saying that I had a late payment of 15 days and the account was placed into collection.  Santander  should be charged with predator lender practices .This affected me from obtaining a different loan at a lower rate. My rate with  Santander  is  XXXX  % and the rate I was offered prior to the lender contacting Sandtander was  XXXX  % which would have save me greatly over the term of the load. I believe that this was intentionally done to keep me oppressed under this high interest rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates ( PRA ) violated the early-warning notice clause FACTA section 623 ( A ) ( 7 ). 

This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 

I will explore all legal options if this item is not removed with 15 days of receipt of this complaint. 

I was XXXX  in Federal Prison from XX/XX/XXXX & released XX/XX/XXXX. 

My address during my XXXX  was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Moreover, received mail from : U.SXXXX Department of Justice United States Marshals Service Prisoner Operations Division Washington , DC XXXX XX/XX/XXXX, U.S. Department of Justice, United States Marshals Service mailed letter to me stating that my personal information may have been compromised On XX/XX/XXXX, the United States Marshals Service ( USMS ) , XXXXnformation Technology Division ( ITD ) received notification from the Department of Justice, Security Operations Center ( JSOC ) of a security breach affecting a public-facing USMS server that houses information pertaining to current and former USMS prisoners. This letter confirms that when the breach was discovered XXXX I was incarcerated until my release on XXXX. 

I never received any mail from PRA at my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX. 

Attached is dated letter XX/XX/XXXX from the U.S. Department of Justice, United States Marshals Service, PrisonerOperationsDivision Washington , DC XXXX Attached also in my release document from XXXX XXXX XXXX XXXX Would like PRA to provide copy of letter that was sent to my address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CashMax LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Boost Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX //www.boostfinance.comXXXX   Boost Finance called me trying to collect money for an account that was opened as of Identity Theft. You will get a call from XXXX. The number you reach them at XXXX and the give you a claim number and state that you can pay them over the phone and that they would close out the account. Would not close out the account over the phone. Tried to serve me legal papers through a carrier. XXXX Male as I captured him on my XXXX  doorbell camera. XXXX was the person on the phone. Also associated with XXXX debt collector attorney.

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 2018-08-08
Company: Rocket Mortgage, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with the representative from Quicken Loans around XX/XX/2018, she verified the amount that was owed for XX/XX/2018, which was about {$38.00}. She also explained why and told me she could take the payment over the phone, however I did not have the funds. Doing this time XX/XX/XXXX was owed and XX/XX/XXXX was late. I made a call again to confirm because I needed to make a payment over the phone. This time is was an EXTREMELEY DIFFERENT CALL. I was told I could not pay XX/XX/XXXX and they need all three months and they sent an intent to foreclose letter and the amount will need to be paid XXXX XXXX. I question when was the letter sent out because today is XX/XX/XXXX. After some research this was an old letter she spoke of and also our home is located in a disaster area after Hurricane Harvey, but I was told that this didn't affect us because we didn't start getting behind until recently and something else must of happened. We were also told that were now 4 months behind because " we know XX/XX/XXXX '' may be late as well although that payment is not due yet. I attempted to explain to a female who said she was in the executive office who was not any help at all as I attempted to explain what we could pay base on what we have which is pay the XX/XX/XXXX right away so that this did not affect our credit rating. Then take care of the XX/XX/XXXX payment by XX/XX/XXXX. Then the XX/XX/XXXX by the end of the month of XX/XX/XXXX, this was not satisfactory and the person stated if you would just not interrupt and let me explain it doesn't work like that. She also stated that this would not be a problem if I just paid what was owed when it is due and their would not be a problem. Quicken seems to have changed the dynamics of their customer service and hired sub par collections representative off the streets who are not properly trained. These individuals were rude, unhelpful and disrespectful for the most part. As it depends on who I was talking to, after the first representative the calls became worst and so did the individual person 's demeanor and customer service skills. As an alternative, I have sent hardship documentation via fax. We have no intention of having our home foreclosed on. We are also requesting that the late payment be removed from our credit files and apply the disaster indication to our account. Finally, I am a federal civilian military employee and except to be treated with dignity and respect just as all people should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: OH
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX XXXX XXXXXXXX I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from 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 non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX : # XXXX AND XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To Whom it May Concerned : After several attempts to fix this problem, first with the Department of Agriculture, then with CFPB submitted twice, I still struggling to solve this issue with GM Financial. One of your agents recommended me few contacts seeking for help. I contacted Florida General Attorney at XXXX, the agent advised me to contact CFPB and requested a grievance form. As I explained before I bought this car a XXXX XXXX XXXX in XXXX with a value of {$6900.00}, I was agreed to pay {$260.00} for 72 months with accrues daily interest. 
On XXXX I went to emergency room ( XXXX yrs.old ) from my work, I was admitted in the 2nd floor ( XXXX XXXX ) and stayed 4 days, I was discharged with restrictions one of them DO NOT DRIVE, because I have debts to pay including the XXXX, next day I back to work, meaning if I didn't make my payment at that moment was because I was very sick, I made late payments but i also paid my late fees and of course they fooled me with an extension. 
I recovered from my illness I went back to work full time, I did my payments accordingly. 
On XXXX again went to emergency room and I was discharge but to follow up with a lot of XXXX XXXX and XXXX I kept working, I wanted to make my payments. By XX/XX/XXXX again got very ill, so I decided to pay off the car before i turned XXXX. But since then it have been a nightmare with GM Financial. I have paid XXXX for 72 months ( XXXX ) for a car in the amount of {$6900.00} a total amount interest of {$12000.00}, the payment of two cars without interest. 
On XX/XX/XXXX, I sent an email explaining them my financial crisis. They called me offering me help so I met a commitment of {$300.00} by XX/XX/XXXX and {$300.00} by the end of the month. On XX/XX/XXXX, my paycheck was of {$430.00}. Therefore I could only pay {$270.00} and my account was overdraft. 
On XXXX, I received a GM Financial invoice dated XX/XX/XXXX with a total amount of {$1500.00} to pay and O PAYMENTS TO GO. I went to their page and they had a total amount of XXXX another discrepancy, always discrepancies. 
I think this have been very unfair, inhuman, and unnecessary for a company like this to continue with this embarrassing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: U.S. BANCORP
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hello, I am not a U.S. Bank customer but made an unsuccessful withdrawal transaction at a U.S. Bank ATM located in the same parking lot as the XXXX XXXX at. XXXX XXXX XXXX XXXX, XXXX, CO. Yesterday XX/XX/2023 at XXXX XXXX. I was making a {$320.00} withdrawal but the money slippped out of my hands and ban into the machine. I called 2 branches, was referred to customer service line, went into the branch on XXXX XXXX XXXX XXXX and spoke to XXXX XXXX XXXX who gave me a XXXX # which was supposed to be the number to their ATM Servicing Co. When I called it was the same customer service number. I feel like Im going in circles. Customer Service told me to contact my bank for a claim. My bank said they cant prove that I didnt actually receive the funds. Im just trying to at least get the number to their ATM Servicing Company. That Company will see that the ATM is {$320.00} over when they balance the machine out and if they review the footage they will see that the money fell back into the slot of the machine. I could hear it drop in the machine. and not onto my hands. It was XXXX XXXX dollar bills and XXXX XXXX XXXX XXXX  The debit card number ends in XXXX. The AID number is XXXX. I will also be reaching out to my base XXXX office to advise on the best way to resolve this matter. Please do not respond with another run around customer service number I need the ATM servicing Company number or someone at USBank security debt to watch the ATM footage. 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 2022-09-01
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, I am a XXXX Veteran. While in the care of the XXXX XXXXXXXX XXXX in XXXX TN for XXXX XXXX, they required me to perform XXXX  on XXXX XXXX XXXX at XXXX XXXX in XXXX TN. The imaging was approved by the XXXX  XXXX XXXX XXXX for payment thru the XXXX. The XXXX XXXX would not have performed the test without prior authorization from the XXXX as I had several other tests performed there and was refused treatment because they did not have prior authorization. I would also add that this XXXX approved test was during the heightened time of the COVID pandemic, when businesses were struggling with employee staffing. Also during this time the XXXX was transitioning from XXXX to the XXXX XXXX XXXX to process their billing. When I received a medical bill from XXXX XXXX for {$390.00}, I contacted the the XXXX XXXXXXXX XXXX in XXXX to take care of the bill. The XXXX XXXXXXXX XXXX XXXX representative said they would contact XXXX XXXX to get it paid. 5 or 6months went by until I received a notice that the bill would be sent to collection. I immediately contacted the XXXX again and was placed on a conference call between the XXXX  representative and the Professional Credit Management agent. Again, the XXXX representative approved the bill for payment. However, It was not paid again because the XXXX  claimed that XXXX XXXX failed to submit the bill to the correct XXXX billing agency, then XXXX, and because the bill was now over six months old and that this is the XXXX  's internal policy. In addition, the XXXX  representative told me that XXXX XXXX would " write off '' the bill due to their error. This medical bill is the direct result of negligence on the part of XXXX XXXX, XXXX, XXXX, and the XXXX  for failure to work together, communicate, process, and close out a medical bill the XXXX originally approved to pay, and by no means failure on my part by my many attempts to get each agency involved to work together and handle this medical bill professionally. In this case, the consumer has been wrongfully held responsible and other agencies have neglected to function together on the behalf of the customer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: MD
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 have been investigating my own credit reporting accounts myself after getting generic responses from them and the lack of investigation on their parts. I was receiving berries when I clearly knew the account was fraud, paid or inaccurate and reporting inaccurately continuously with no proof of debt validation required by Federal Law. They never stated how, they got the information either. Just falsely reports. I took matters in my own hands and now the COMPANY that stated I had a debt even requests removal! This is how I became very suspect and frustrated at the credit reporting agency inaccuracies. I know am about to file small claims court if the other accounts are not fixed I investigated and found not accurate either! Also an account was paid off and reporting inaccuracies that Im late! Proof attached! 

They have report XXXX XXXX  Account and this account is not even mine. The company themselves stated the social security number they have isnt even mine so how are they not removing this inaccurate account? 
XXXX  XXXX  was already contacted by the original creditor to remove the accounts XXXX XXXX  was found inaccurate and reported this Experian found inaccurate XXXX XXXX was a medial bill in HIPPA Violation and removed from all credit reports but XXXX  XXXX was found inaccurate only XXXX reports this account XXXX  XXXX  XXXX was paid off trains in full and on time Experian - hasnt update files since XX/XX/2020 Still didnt remove inquires that were not authorized by me and inaccuracies reported XXXX just update but still reporting a medial bull that the XXXX XXXX asked to remove themselves because they were in HIPPA violation and all agencies removed but XXXX  XXXX - Continues to report inaccuracies and also sends same generic report responses They have not removed all the credit inquires I send to them that were not authorized by me They are all inconsistent and not reporting accurate. They are not reporting debt validation. Its been over 120 days since I have provided proof on all these accounts inaccurate. 


This is my final attempt to have the agencies do their jobs by law and protecting my rights and credit with all these inconsistencies and inaccuracies. 

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