BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
XXXX 2017 I surrendered my vehicle to Santandar after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. santandar has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with Santandar. I may need to take legal action to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we received notice from Mr. Cooper ( our Mortgage Company ) that our Escrow account showed a shortage and we had to pay it in 1 payment or increase our monthly escrow portion of our mortgage payment. Upon review of the escrow account statements on their own website, there were multiple disbursements and credits, including removal of our " ANNUAL '' property tax amount on a " QUARTERLY '' basis. When we were notified about the shortage, we have had multiple phone conversations with their representatives. One of them they actually called our County with us on the phone and the county stated they had only received the payment at closing in XXXX, and no other payments in XXXX or XXXX, or any over payments. Even after this, the mortgage company is refusing to credit back our escrow account, stating that since the county has received no overpayment, there is no error on their end, yet never addressing the money taken from our escrow account causing the shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: FL
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:
Fraudulent accounts are reporting on my credit reports XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company has failed to generate a statement for the cycles I have a {$0.00} balance on. This is not registering with the credit bureaus that this account continues to maintain a positive and good status - it last reported in XX/XX/XXXX, with a " STATEMENT CLOSE DATE '' of XX/XX/XXXX, yet there is NO statement for XX/XX/2019. The balance is reporting accurate as {$0.00}, but the lender can not confirm this is for XX/XX/XXXX and that I did not all of a sudden purchase a ton of items between the last reporting and now. This is going to interfere with my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Westlake Services, LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
On XXXX XXXX, 2016 I was approved for a loan through Westlake Financial and purchased a car with XXXX XXXX XXXX XXXX XXXX for a total amount of {$4500.00}. Thirty days after my purchase I was expecting my Title. After calling multiple times, and I was told by XXXX XXXX XXXX that he was trying to locate the title. I was given a letter stating the vehicle I had purchased, " has been delayed due to no fault of her own ''. In which the DMV accepted the letter but my registration was only good for 30 days. At one point he called and told me the woman who owned the car was bringing the Title to sign it over. I called and called but my calls were not answered. I have called Westlake Financial multiple times. Im always told that someone will be returning my call. Im still waiting months later. I have had this car sitting in my yard for months that I can not drive due to me not having the proper registration. I would like to have this settled. I have been contacting the finance company they are also giving me the run around. Everyone has been paid in full for a car that I can not drive due to a car that I do not own without the Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: PINNACLE RECOVERY, INC.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pinnacle Recovery Inc responded on XX/XX/XXXX Complaint ID : XXXX concerning a debt/bill that belong to XXXX XXXX XXXX XXXX in which there has been no contact by XXXX XXXX XXXX XXXX since XX/XX/XXXX. Pinnacle claims I talk to them never talk to them on the phone and told them to cancel my account. Pinnacle has no proof I spoken to them in any manner regarding an account there not the primary owner of nor did I agree or sign anything pertaining to a contract with Pinnacle Recovery or made any agreement nor spoke to on a phone. My next issue I have not lived in XXXX XXXX Nevada since XX/XX/XXXX in which my mailing address was change and updated by the post office. My next issue is the address Pinnacle was mailing to me in XX/XX/XXXXis not my address nor have I had this address appears to be a strip   center. Only was contacted by a law firm in regards to this debt in which has been no contact by XXXX XXXX XXXX nor any mail sent by regular mail or certified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX in which I have also filed with the US in which is 2 years before office and various other documents I have that has issues that violates certain laws and been sent to the US Attorney office of there practice. As of this date being XX/XX/XXXX I dispute all and any debts by Pinnacle Recovery due to there has not been any contact by the original creditor nor Pinnacle Recovery Inc as there letter dated XX/XX/XXXX and I have not lived in XXXX XXXX NV since XX/XX/XXXX in which is over 2 years before this letter was mailed to address that does not belong to me. All debt on this account was in dispute back in XX/XX/XXXXin which there was errors and other issues with XXXX XXXX XXXX XXXX XX/XX/XXXX. I also have proof from my company I have a contract job in which I travel for contract work and I was not in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: ABR Recovery Services LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company reported a debt I do not owe to the Credit Reporting Agency. I contacted them and notified this was not my debt. They notified me that ABR Recovery " verified '' the debt. I notified them that it was a fraudulent account because I don't owe this yet it has effected my credit score. I  received a letter from them today for the first time they have ever contacted me. Not mine. The letter seemed to be copied on an old fax type machine, the envelope was scotch tape sealed ... very suspicious. I checked them on line and found that they have had complaints before. The letter was threatening and accusatory and made legal threats they can not engage in in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I send payment via online bill pay through my bank to New Rez ( also operates as Shellpoint Mortgage ) every month a week early. This month the money was taken out of my bank account but New Rez never cashed it. My bank shows that the payment was issued and offered to remediate with New Rez. Unfortunately despite a dozen emails and three phone calls, they are charging me a late fee and damaging my credit score. I paid early and I shouldn't be at fault that they haven't processed it. The  payment was made on XX/XX/XXXX and it's now XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CONTOUR MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern On XX/XX/2019, my father and I went to see a property located at XXXX XXXX   XXXX XXXX house. Our agent XXXX XXXX was not available at the time, but he told us to show his card to the seller agent. We saw the house and we had conversation with the seller agent XXXX XXXX. Ms. XXXX then reported that the seller is in the process of getting another house and the lender is XXXX XXXX from Contour bank and the seller want the buyer to use the same lender. I told Ms. XXXX that I am pre-approved from XXXX XXXX however she insisted and said that I must use XXXX XXXX because that is what the lender wants. She then texts me the lender XXXX XXXX business card and the loan options and told me to call her. 
We liked the home, and, in a way, I was forced to use this lender, so I called her. Ms. XXXX confirmed that she is doing the seller other house loan and she is going to make sure the seller has a strong buyer and therefore I was referred to her. I gave her documents she needed. On XX/XX/19 she said there is a problem with the house that I currently own at XXXX XXXX XXXX XXXX XXXX, NY XXXX. She said Your pics on the XXXX listing looks like one of the units or entire home is vacant and no one is living there. When were trying to make a case that two families are moving out of a two-family house. This in not a good Look. I told her that XXXX XXXX XXXX XXXX XXXX, NY XXXX is my current primary residence where also my parents lives. I also reminded her that I have given residency verification documents already for me and for both of my parents ( driver license and utility bill ). I also explained the picture that was posted for the listing was old pictures that was used from previous owner. She then told me that I did fraud and she will deny the loan based on the picture that was posted on XXXX. 
There are few things that are my concern. The lender is also the seller lender and looking after seller interest. I have provided documents that I live in the XXXX XXXX XXXX XXXX XXXX, NY XXXX house. MsXXXX XXXX did not offer any other options and took it personally and was to quick to conclude that I am denied the loan based on fraudulent documents, XXXX listing pictures and she called me a liar ( without having any evidence ). Her action was nowhere professional, and I was confused if she represents the bank, seller agent interest or her interest. Also is there any chance to get a fair loan from her? My agent XXXX XXXX also reported that the seller agent knows confidential information which XXXX, Ms. XXXX shared with her ( breach of confidentiality ). 
I have good credit and all documents that I provided to her was legal and with her directions. I dont want her unethical practice, unfair judgement to affect my credit records or future purchase of home. At this moment XXXX dont want the loan ( I did not sign any paperwork with her ). 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Experian has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Experian, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.

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 2018-01-12
Company: SOUTH BAY ACCEPTANCE CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The call is recorded and gives account #. I've returned the call and it is for someone unknown. 

I've requested my number to be removed and they continue to call every other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed my credit card account with Capital One Bank. This process was difficult by itself due to the fact that we were unable to get ahold of a person in order to close the account. Now that it is closed, I am getting notices that I have two delinquent bills which are hurting my credit score. I have statements proving otherwise as well as documents showing that my account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After disputing a collection account on my credit report that shows as " XXXX & XXXX '' for collection agency XXXX XXXX XXXX ( XXXX ), I was advised by the credit bureau that they were able to verify the account as valid and would not remove the account from my credit report. I was advised that I would need to contact the collection agency and request the account be removed from my credit report. On Tuesday XX/XX/XXXX I faxed in a copy of the letter I received from XXXX XXXX XXXX ( XXXX ) which stated they have requested the account be removed from my credit report due to the account being paid in full as of XX/XX/XXXX. Today, XX/XX/XXXX I  called this credit bureau to 1. verify the document I faxed in was received and 2. request the account be removed from my credit report. I spoke with 2 representatives by the name of XXXX and XXXX who both advised me that this credit bureau did in fact receive the document but advised me the account would have to be removed by a supervisor. After waiting on hold for 1 hour and 15 mins, I was transferred to a supervisor by the name of XXXX who first tells me that they never received any documentation. After I explained to him that I have already verified with 2 representatives that they documents, he all of a sudden says he can see the document and place me on hold for another 10 mins to review. After XXXX comes back to the line, he tells me 1. the document is not a letter but a receipt 2. the document is not on the company letterhead and does n't have the company logo, and he refused to remove the account. I am requesting that the document be reviewed again and this account immediately be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..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 2019-04-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX XXXX   {$2300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I was charged a disposition fee of {$390.00} after turning in my lease early to the same dealership I purchased the lease from. The dealer did not inform me of the disposition fee - but the part that's unusual is that it's from the lease company - Ally Bank. A disposition fee is defined as a fee charged to the person leasing the vehicle at the end of their lease to prepare the returned lease for the next buyer, but this fee is assessed by the bank and the dealer has nothing to do with this. I was originally told by several members at the dealership and at Ally auto that because I purchased a new vehicle from the same dealership - that I would not be responsible for this fee. They then said that it had to be purchased and financed with Ally auto to waive this fee. This is predatory and not acceptable behavior. 

I also tried to ask about this several times with the dealer and the bank. The bank keeps telling me they will have a supervisor reach out ( 3rd time now ) and I have yet to hear back. The dealer keeps saying I have to work with the bank. It has been a month and I can not get a clear answer.

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 2019-07-25
Company: EQUIFAX, INC.
State: AL
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:
The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Equifax violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX

Company response to consumer: Closed with explanation