BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-14
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander Consumer USA Inc. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code XXXX. On XX/XX/XXXX Santander Consumer received a certified letter given 30 days to respond with a list of questions requesting validation of a alleged debt ( loan ) that was suppose to been provided by the company, Santander ignored the validation letter. 
On XX/XX/XXXX A letter headed second opportunity to XXXX was sent out after not receiving a response from Santander Consumer USA Inc within the given time applicable by law. Then a 3rd letter headed Notice of Discharge of obligation to pay instrument was sent to them on XX/XX/XXXX after they defaulted by not responding nor showing proof of claim. 

Santander Consumer USA Inc, unlawfully without a court order or proof of claim arbitrarily deprived me of my property without due process of law. The seizure of my property without a warrant and without a court order is a violation of FRCP rule 41 and 18 U.S. Code 983. 

I was never personally given any loan from Santander Consumer USA , Inc and was never given any accounting or receipt disclosing the transaction which took place between Santander Consumer USA , Inc and the seller. It is more then clear that Santander has committed fraud being that Santander is a Corporation/Bank and corporations or banks can not lend credit. Due to the fraud committed by Santander Consumer USA Inc, my identity was stolen due to the company using my identity to receive money from the Federal Reserve or FDIC, my rights were violated under color of law and my property was stolen from me unlawfully. 

" A bank is not the holder in due course upon merely crediting the depositors account. '' XXXX, 229 NYS 2d 142, 143. 
" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX. 92 F 26 817. 
" The contract is void if it is only in part connected with the illegal transaction and the promise single or entire. '' XXXX, XXXX, XXXX. 
" It is not necessary for recession of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow one who made false representations, even innocently, to retain the fruits of a bargain induced by such representations. '' XXXX, XXXX. 
" It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are XXXX '' XXXX, XXXX, XXXX ( 1926 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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:
There are accounts on my credit report that isn't mine. I reported this already and it's stills showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: ZENCO COLLECTION, LLC
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
ZENCO Collections deducted funds from my account without proper authorization. ZENCO called my home to collect a 30 year old credit card debt from my wife. They threatened to put a levy against our home ( illegal given statute of limitations, and consumer protection laws ), and subsequently tried to send my wife to finance department to authorize deduction from account. However, ZENCO stated they also needed my authorization ( husband ). When my wife called I instructed her to hang up. Next they sent a document to e-sign, neither of us signed it. However, they fraudulently deducted {$2100.00} from my account. I called the bank and had it reversed as fraud. I am now receiving ongoing threatening phone calls of them reporting transaction the state AG. I am now seeking legal advice as to my options for actions against ZENCO. However, I want this recorded with CFPB to help others and my good faith effort to resolve before I seek escalation of this matter to other available sources.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2017-04-15
Company: Risecredit, LLC
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
My identity was stolen and someone took an installment loan out in my name for {$640.00} with XXXX I reported it to all law-enforcement as well as the Delaware Attorney General the federal trade commission is in the company still will not remove it from my credit report rise credit is a scam given all the legal proof and documentation that they need they still refused to remove the identity theft from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I made 99 payments to the Santander Company of {$290.00} a month. The sale price for the car was XXXX. Paid {$29000.00} at which Santander said 55 % went towards interest. 
In approximately XX/XX/2011 they repossessed the car a XXXX. Received no communication until now. Have no idea how much they sold the car for. Recently we checked my credit and they charged it off and they say I owe them {$6000.00}. How can that be when I paid them {$29000.00}? I need for them to at least take the negative comments off of my credit reports. I believe that paying over 55 % interest is illegal. I would advise anyone not to get a loan with Santander. They say they will clear my credit if I settle with them for {$2100.00}. Can you believe this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: GA
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:
The XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XXXX/XXXX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, whom we do not and never have held a mortgage with, erroneously paid our XX/XX/XXXX XXXX County property taxes and is seeking reimbursement. I confirmed XXXX XXXX made the payments with the XXXX County Treasurer 's Office. On XX/XX/XXXX, a XXXX XXXX Claims Processing Representative explained our tax ID # is similar to one of XXXX XXXX 's customers ( differs by a digit ), thus, XXXX XXXX paid our property taxes in error. Based on internet research, XXXX XXXX has made many errors in regards to property tax payments. 

Initially, our mortgage ( a FHA loan ) was with Bank of America. The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically, Bank of America made our property taxes to XXXX County without issue. However, when Bank of America made our XX/XX/XXXX property taxes, the payments were returned as they had been paid by XXXX XXXX. Bank of America failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the check form. 

When we received the refunds checks, we contacted Bank of America for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned. Bank of America sold our mortgage to XXXX in XX/XX/XXXX. Our mortgage went to XXXX 's books with an escrow balance. XXXX issued us an escrow refund check, however, no explanation have been obtained from them. 

On multiple occasions, we 've contacted Bank of America and XXXX to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.

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 2022-09-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO
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:
XX/XX/XXXX - I received a payoff quote from Nissan Motor Finance and immediately paid that amount- {$25000.00}. I received a confirmation that the loan was paid off and I should receive the title in about 20 days. 

XX/XX/XXXX - I called to check on the title because I need to register my vehicle. I was told that I still owed {$590.00} on the payoff. After some research it was discovered that someone posted the payoff amount of {$25000.00} to future payments, NOT the payoff. After 2 hours on the phone I was promised this would be corrected and my title sent ; I was told I would receive a return phone call - did not receive a call back. 

XX/XX/XXXX - I called AGAIN to make sure this had been taken care of. On the phone over an hour; was told I still owed {$590.00}. Because I need to get my title, I paid the additional amount. Again, I received a confirmation that the vehicle is paid off and I will be receiving my title soon. 

On the same date I also sent a certified, return receipt letter to Nissan in XXXX requesting assistance with this. As of this date, that letter is still sitting in the post office box waiting for someone to pick it up. 

On approximately XX/XX/XXXX, I called to make sure my title was being sent. I was told that it was 'in process ' and I should receive it shortly. 

XX/XX/XXXX - I AGAIN called Nissan to make sure my title was coming. I was told that no, it isn't coming - that I still owe another {$22.00} before my title would be released. I spoke with a supervisor, 'XXXX  XXXX, who said they are waiving the {$22.00}, it will take about 2 days, and then my title would go into 'process ' and I will get it in about 20 days time. This morning on the Nissan Finance website nothing has changed. 

They have given me different information each time I've called. I have paid off this vehicle on XX/XX/XXXX, and they keep asking for more money despite receiving information on 2 occasions that the vehicle has been completely paid off. They are holding my title hostage while demanding more money, similar to extortion. I need help as I can not register my vehicle in Missouri without my title and yet I can't get ahold of the title despite pleading for assistance from Nissan. 

I want my title, and I would like a refund of the {$590.00} I was forced to pay after getting the correct payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX, I pulled my credit report using a credit monitoring service. Upon pulling my credit report I found that Diversified Consultant had placed an account on my report as a collection item for the amount of {$510.00}. On XX/XX/XXXX I sent a letter disputing the debit via certified mail, pursuant to 15USC162gSEC.809 ( b ). I never received any communication from Diversified Consultants nor did they provide any documentation, or proof of the debt. On XX/XX/XXXX I called Diversified Consultants at XXXX and spoke with a representative named of XXXX XXXX. XXXX confirmed that they had received my request, and had not responded to it. She noted that they do n't send off any information, that the account was closed out as a dispute and then sent back to XXXX. XXXX then stated that XXXX charged off the debit and they ( Diversified Consultants ) received the account again. When I asked why they are reporting this debit on my credit and they have not provided with the information requested she said she would mark the account as a dispute in her system. I am filing this claim as I have disputed this debit twice, and have yet to receive any documentation requested, yet Diversified Consultant has this account listed on my credit report as a collection account. I find Diversified Consultant in violation of the FDCPA section listed below. 
809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hey i asked the credit bureaus to do a thorough research to identify inaccuracies in my account and they did but nothing happened so after doing my own research i was able to identify several inaccuracies on my profile Name of account : XXXX XXXX bank " Account Number : XXXX DateOpened XXXX XXXX XX/XX/XXXX Name of account : XXXX XXXX  Account XXXX : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX  XXXX  card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX XXXX card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX  Account Number : XXXX DateOpened : XX/XX/XXXX : Name of account : Child support Account Number : XXXX DateOpened : XX/XX/XXXX Date closed : In accordance with the fair credit reporting act XXXX  accounts Have violated my rights. 

# XXXX # XXXX # XXXX # XXXX ( duplicate accounts ) # XXXX # XXXX 15 U.S.c 1681 section A. States i have the right to privacy 15 U.S.C 1681 section 602 A section : also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I reached out to Lowes and found out that my credit card account had been closed. After speaking with a representative I was advised that my account had been closed because of the last payment wasn't processed. Ultimately because there was a past payment that also didn't process the most recent payment that didn't process caused for the account to close.

I reached out to Lowes Credit Card services and i was told to send a fax to the payment processing department from the bank proving it was a bank error and my account would be reopened. After doing as instructed i called several times and Lowes stated they will not reopen my card even through its bank error and it states that in there terms and conditions of the card.

i confirmed that my bank did not process my payment and I went to the bank to find out why the bank stated they actually didn't know why my payment didn't process and wrote a letter to Lowes on my behalf stating that the funds were available and the transaction should of cleared.

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 2022-09-15
Company: BCG Equities, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a summons for civil suit from BCG Equities , LLC on behalf of their counsel Law Offices of XXXX XXXX in the XXXX XXXX XXXX XXXX, XXXX, Ohio. I was never notified of this debt that is from XX/XX/XXXX from BCG Equities LLC until receiving said notice to answer civil complaint for alleged money requested. I provided my answer to the complaint to both the court and the XXXX XXXX XXXX and it is awaiting trial. This is a direct violation of chapter 15 USC 1692g 809 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: CITIBANK, N.A.
State: DE
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:
XXXX XXXX receiving payments from XX/XX/XXXX to XX/XX/XXXX.and refuse to tell the consumer me and my spouse who made and authorized the payments made.THIS IS FRAUGHT AGAINST THE CONSUMER .ALSO .XXXX XXXX. on foreclose account XXXX XXXX sold at Sheriff 's Sale for {$100.00} from CitiMortgage to CitiMortgage, and evicted me and my spouse, THEY are now reporting this account as open 1 month late on our credit reports.This account is no longer our responsibility, and we have not be compensated for our $ XXXX XXXX send the payment history for the account # XXXX that they lied and said they provided in their response date XX/XX/XXXX stating that no record of payment of receiving payments from XX/XX/XXXX to XX/XX/XXXX. 
WARRANTY DEED TO OUR LAND..Also this account went into default LAST PAYMENT MADE over 7 years ago evidenced by attached statement of reasoning by Judge XXXX XXXX XXXX filed XX/XX/XXXX with the courts, and should be deleted from our credit reports permanently.

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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have requested these accounts to be deleted as they aren't mine in the past but they are still on there. Please remove them.

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