BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I attempted to try and settle my account with XXXX XXXX or Santander. They have failed to try and work with me. I have sent them Goodwill Letters to settle for what I knew I was behind prior to ME surrendering my vehicle. They did not initially want the vehicle back, they were trying everything to get me to keep the vehicle. At the time when the vehicle was purchased I was in need of a vehicle and they were just about the only place I could get a vehicle from without a high down payment. I thought I was able to manage a {$470.00} car payment, and I kept asking the sales rep, could I get the vehicle refinanced after 6mths or so t lower the payments or interest on the loan of the car. I was told yes, but after contacting XXXX XXXX I finally realized that I would need to keep the vehicle a complete year before I could think about refinancing. So that's when I realized it was either me lose my place or lose the car. I decided to call them and surrender the vehicle. They stated they would sell the vehicle at an auction. I believe it was sold for $ 10,000-11,000. According to a my credit report. But after that they never contacted me to work anything out. Now here a year plus later, they are damaging my credit ratings to the point I can't get loans or anything because it s sitting there reporting derogatory things. Every month the balance goes up and a comment is posted to my credit. This company would rather damage your credit rating than work with you on settling the account. And then another thing, they never tried to contact me anytime after the sell of that vehicle. I never received any mail from them, no phone calls or anything with settling the account. I also was not informed that XXXX XXXX was now owned by Santander until some recent post popped up on the internet. But they want to be know as a good and honest company who works hard for their customers. That is a lie, they work hard for themselves and no one else. Long as they getting your money and your credit rating that's all that matters. My advice to anyone who is the market to buy a car, DO NOT GO TO SANTANDER OR XXXX XXXX. They are nothing but the XXXX, and they do not care about you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX :XX/XX/XXXX XXXX Inquiry : XX/XX/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 2018-12-21
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I HAVE A WESTLAKE FINANCIAL ACCOUNT NUMBER XXXX REPORTING ON MY CREDIT REPROT. I WAS WOUNDERING IF WESTLAKE WOULD REMOVE THIS ACCOUNT IF I DO A SETTLEMENT OFFER.???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
As an account holder in Navient, I have an online account for easy access, but the way they have the set-up is really hard to have much control.

In the month of XX/XX/XXXX, I wanted to add an extra amount on to my minimum payment, to pay off the loan faster, but in order to do so, I had to cancel my current AutoPay amount and reapply. Based on my payments of {$95.00}, I requested an additional {$54.00} to be added, totalling to {$150.00}. I got a notification that my request had to be reviewed in order to get approved. On XX/XX/XXXX I received a message stating the highest they could go was to {$140.00} and that I needed to sig

n up to Auto Pay online on my own accord. Navient 's online setup for AutoPay does not allow one to choose a specific amount, on the contrary, when I called, I was infor
med that my minimum payment would increase, since I had requested to add an extra amount. I asked to representative to explain how the minimum payment was calculated, to which she stated it was based on the amount I wanted to pay. I informed that to my understanding there's a difference between the minimum payment and monthly payment, and the minimum payment was consistent no matter what. She said that Navient calculates payments based on the pay off date, and the pay off date shifts based on how much I pay a month.

In the end the representative cancelled my autopay request, said my minimum payments would now be {$96.00} and everything else I pay would be extra. But in the mean time she had to wait for approval, therefore I would not be receiving interest reduction benefits and accrue interest at a contractual rate ( which since being transferred to Navient on XX/XX/XXXX has gone up from 4.780 % to 5.590 %. In addition, the in my loan term, I could no longer apply to increase payments because I only get one chance to do so, and I used it up. 

Navient has no transparency with consumers, and their online management is very poor and not detailed with loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2018-12-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My Name is XXXX XXXX, my email address is XXXX and I live at XXXX XXXX XXXX XXXX, TN XXXX. I am writing regarding the handling of my personal bank information by a debt collector. 

I received a call from " XXXX '' ( would not give her last name ) from Wakefield and Associates in XXXX, TN about a {$5.00} medical debt. The call was friendly and cordial and since it was such a small amount I didn't question the validity, I told her I would just go ahead and pay it. The trouble came when we discussed payment options and fees. She informed me that if I paid by credit card the fee was over {$5.00} and actually more than the debt and I could pay by electronic check. I agreed but to my surprise she already had my bank routing number and bank account number and simply asked for me to verify the approval of the payment. This is extremely bothersome to me, I have paid for over looked medical bills in the past and it is certainly conceivable that I have dealt with this company before and given them that information to pay for a debt however, I never expected them to store my bank account information. This is concerning for a multitude of reasons and while I am ignorant of the laws regarding debt collectors storing bank information I certainly do not want my information stored. 

Thank you for you attention, 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 2020-07-28
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with my mother who was deemed incompetent in XXXX. The mortgage is in both our names, I was not made aware of the foreclosure until XXXX, my mother 's guardians kept this information from me. Wells Fargo did not attempt to contact me at my residence which is the address of the mortgage. When I did find out about the foreclosure, I went to the next court date. Wells Fargo 's attorney 's XXXX, XXXX and XXXX rarely showed up for court proceedings. I hired an attorney and was assured that Wells Fargo would allow me to make my payments. They declined payments, they will not speak to me about the loan. Also, I filed for loss mitigation and never received a response. This is an FHA loan and is a Ginnie Mae loan. The XXXX website shows that the loan is no longer active. XXXX, XXXX and XXXX purchases mortgages and tries to collect the debt. This debt collector tried to get information from me acting as if they were helping me with the process. The guardians of my mother did not show up to court on her behalf, they sold her other properties and did not pay off this mortgage. The guardians are my cousins who I had appointed as her guardians. They had documents signed off on by her husband, the county judge executive at that time and by the coguardians sister in law who is the county clerk. The judge would not look at material facts because he is a dear friend of the guardians. The County Clerk is their cousin. The attorney who I paid {$3800.00} dropped out of the case due to running for judge and I had to find a new attorney, then the pandemic began, the courts were closed, I couldn't meet with attorney 's and the next court date the judge would not allow more time to acquire a new attorney and said he would get back with me on a decision. I received a document from the court on XX/XX/XXXX stating that the foreclosure auction would be on XX/XX/XXXX. The notice of sale was listed on XX/XX/XXXX. This is not sufficient time according to advertising if foreclosure sales. Wells Fargo 's attorney 's did not have the escrow account deducted from what was owed. The XXXX   documents were robosigned by an employee of Wells Fargo to transfer to Wells Fargo in XX/XX/XXXX, but they actually started servicing the loan in XXXX. Their are so many discrepancies and statute violations in this case. I need help and no one will help me save my home. Wells Fargo also stopped all foreclosure sales during the pandemic, but my sale is still on. Please help 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 2021-05-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase is not allowing me to access the balance of {$1500.00}. They claim they tried to release the funds. They claim the system is not letting them release them. They are holding the balance despite multiple LONG calls and promising to release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC System has placed a wrongful derogatory mark on my credit account based on fraudulently charged fees on an already closed cable account. The original alleged debt came from XXXX XXXX XXXX. All equipment was returned in person and services stopped on the last day of then-current billing cycle. XXXX XXXX XXXX continued to bill me despite the account being closed and in turn sold the incorrect debt, which has been sold now several times over. I have successfully removed this debt from my credit several times in the past already, but it continues to come back as it continues to be fraudulently sold when the owner knows full well it is a debt I do not owe.

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 2018-12-21
Company: MIDFIRST BANK
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe there was mortgage fraud and possible tax fraud involved with MidFirst Bank, XXXX XXXX and XXXX XXXX XXXX XXXX ... .. 
XXXX XXXX is not only attorney for this bank but also as well owns XXXX XXXX a document company and a real estae company which specializes in forclosures through banks. 
Coincidence or not .... 
You decide if there is foul play in this ring.

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 2018-06-22
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: Account status incorrect

Complaint:
My wife and I bought a home and had the mortgage threw Chase Mortgage. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that Chase continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and Chase Mortgage directly multiple times and have been ignored every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I applied to refinance my current balloon payment loan with Loan Depot loanDepot.com, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX loan # XXXX. I have summited all the required documents including payment for the appraisal that was completed back in XXXX. During the process Loan Depot misplaced documents, oversaw detail of the title of the property as a result the loan process got delayed. Since my current loan is a balloon payment that expired in XX/XX/XXXX my current lender will no longer accept monthly payments as they are expecting a full loan payoff. It is now XX/XX/2021 and my loan continues to be under a conditional approval. I have contacted the loan officer, loan processor, loan processing manager and production manager and no one has replied to my request to know the status of the loan. As a result of the delay I am now in jeopardy of facing foreclosure. 
XXXX XXXX Licensed Lending Officer NMLS  # XXXX XXXX XXXX XXXX Account Manager XXXX XXXX XXXX Production Manager NMLS # XXXX XXXX XXXX Processing Manager

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The loan was paid in full by a wire transfer on XX/XX/2018 quicken loans messed up the payofff and didnt apply it until XX/XX/2018 after the help from the settlement title company. Not only are they trying to keep the extras days of interest but trying to charge us for the MIP for the month of XXXX in the amount of {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Vehicle leased from XXXX XXXX through XXXX XXXX. All payments paid on time via auto-drafted electronic transfer. Reported closed Pays As Agrees. 

In XX/XX/2018, my credit monitoring service notified me that the status of the 'paid-off on time ' auto lease was changed to Collections Charge-Off in the amount of {$240.00}. Ally Bank listed themselves as the " Court ''. 

Speaking with Ally, I learned that the dealership wanted additional money, but Ally instead of me. Ally took it upon themselves to change my account status. I had many phone discussions with a rep over several months trying to resolve this error. Finally, they removed the account from Collections and said if I pay the {$240.00}, they will update the status to it's original state. I sent them a check, but they lied and has not been corrected.

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 2020-06-29
Company: EQUIFAX, INC.
State: NY
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 recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: WI
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:
In Late XX/XX/2018 I contacted XXXX, Equifax and XXXX and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court Eastern District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies.

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with XXXX, XXXX or Equifax. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Harassing phone calls, sometimes 5-6 times a day if I miss a payment by even one day. Call my job, call my references. Threaten to repo my vehicle but then tell me " it's not what they really want to do ''. Now, my car has broken down three times since I bought it. First time the converter had to be replaced, second time the engine had to be replaced -- which I just found out they replaced it with an engine from a salvage yard. That was less than a year ago and now the engine is misfiring and knocking. They are giving me a hard time and telling me if I can not provide every single maintenance record that they won't fix it and on top of that keep harassing me for a payment on a car they " may total '' and telling me if I don't pay now I will get repossessed and it will " hit my credit and I'll never get another car ''. They are using intimidation to try to harass 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 2019-10-22
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ***

Company response to consumer: Closed with explanation