BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
was offered to switch out of my current lease early to a new lease for a XXXX XXXX. after negotiations I have chosen to proceed with that. The dealership took over my previous car and gave me a new car per contract. The dealership was suppose to payoff my previous lease. In addition, there was a missing part, a home charger, which was missing from a new car. what was offered was to keep my existing charger and they would order a new one, or to just keep my old one for the duration of the new lease as it serves the same purposes and has no difference from the new to the old car. First, month and a half after the transaction, my wife started to receive collection calls from Nissan as the lease payment was not done. The callers were rude, unyielding and not understanding of the situation. After contacting the dealership, it turned out that they neglected to process the return and failed to notify Nissan of the transaction. It took numerous calls, horrific conversation until the dealership finally paid off their obligation and the calls stopped. Now, in later XXXX a new letter arrived which stated that the lease return had an outstanding balance, which was incorrect as the dealership was taking over everything and bought out the lease. after contacting the dealership and expressing this concern, I was assured that this was going to be taking cared off. The reason why there was a balance was due to the vehicle being returned off of lease with no charger. This again was a problem as I was never given one and again was told by the dealership as there was a missing charger, to keep the one I had before. Again, the dealership failed to notify Nissan of this issue. At the same time, I contacted Nissan and expressed my frustration with this issue and described the issue to them, during which time I also filed a complaint against a dealership. Now my wife is receiving harassing phone calls at work saying this issue with the balance has been sent to collections, being rude and completely unapologetic, not caring of the issue and threatening. This is completely wrong, this is fraud and negligent. The public needs to know the hazards that this presents in doing business with Nissan and this dealership. They should not be able to operate in this misrepresenting manner to deceive the public and then collude to through them into this spiral of collections and proving their right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: High Point Asset Inc
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from a company stating that I had XXXX outstanding payday loans from 2011. I was told that I had taken out an online payday loan in the amount of {$400.00} on XXXX/XXXX/11 and another in the amount of {$450.00} on XXXX/XXXX/11. I disputed these charges. The company claimed that they could not provide me with any documentation supporting this claim and they refused to give me any contact information for the lenders in question. They had my bank account number, the last XXXX of my SSN, and my email address. I repeatedly stated that I did not take out any online payday loans, and after repeated requests for more information I was advised to do my own research.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Reverse Mortgage Solutions, Inc.
State: WI
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
This is a extension of a problem we have with Reverse Solutions , Inc. Our mortgage number is XXXX. 

We have done all we were requested to do. Paid the amount asked, acquired flood insurance and now there is a mix up on their end and we have XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Wisconsin XXXX harassing us and threating to forclose on our home. We are XXXX & XXXX years of age respectively an in fragile health and yesterday I lost my sister. They were extremely rude on the phone and we would respectively like some action taken to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: General Motors Financial Company, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I want to make a complaint about a predatory loan with GM Financial. XX/XX/XXXX, I purchased a XXXX XXXX from XXXX of XXXX, the day after I drove off of the lot with the vehicle ( less than 24hrs later ) I had buyers ' remorse, I was still dealing with the loss of my mother and was not in my right frame of mind to make such a large purchase. I spoke to several people in the finance department and told them that I could not afford the vehicle and that I wanted to return it, but they refused to take it back, in addition to this it was the floor sample and the purchase price was {$15000.00}. There was a rebate on this vehicle. ( which I never received ). 
( a ) I purchased the XXXX for {$15000.00} ( b ) I gave them a down payment of XXXX. 
( c ) I traded in a XXXX XXXX with a balance of {$3000.00}, ( the blue book value was {$4000.00} ). 
( d ) After making my monthly payments for 5 years, in the amount of {$540.00}, totaling {$24000.00} ( per GM 's account history ) ( See attachment # 1 ) ( e ) I asked them to pick the vehicle up from the voluntary return location and sell the vehicle for the parts because the vehicle had new tires, a navigational system and other new items that I recently had installed ; after selling the vehicle I asked them to let me know what the balance would be so that I could make payment arrangements on the balance. 
( f ) They let the vehicle sit on the voluntary return location for a month before going to get it, by this time a storage fee had accumulated, which they were not willing to pay. The vehicle is still there, ( g ) I asked them if they would make me an offer they refused ; so I offered to pay them {$5000.00} to settle the contract, they refused. 
( h ) After tallying the total amount that I paid for this vehicle it come to {$26000.00} ; - XXXX based on their records ( See attachment # 1 ) - XXXX, down payment, - plus {$560.00} missing payment ( my bank statement/See attachment # 2 ) ( i ) After researching I 've found that this company has a history of practicing in a predatory manner and they have numerous consumer complaints ( See attachment # 3 ). I am requesting an investigation and assistance with cancelling the remainder of this loan. Since I 've already given them {$26000.00} on a {$15000.00} loan, and because of the debate that I was promised but never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: General Motors Financial Company, Inc.
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a 2011 XXXX XXXX. GM Financial financed the purchase. I elected to purchase GAP Insurance ( was not required ). The amount of the installment contract was {$440.00} a month - {$460.00} with the optional GAP Coverage. I have since cancelled the GAP Insurance - but GM Financial continues to bill me the {$460.00}. If the {$19.00} a month is n't going toward the insurance - where is it going?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: C.Tech Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i recieved a collection letter from c-tech collections XXXX XXXX XXXX XXXX ny XXXX .... ( XXXX ) XXXX sue thosar who is named as the collection division manager ... ..it was a collection notice for a doctor bill ... .it is for XXXX dollars ... this doctor apparently is not within my approved doctors and saw my wife in the emergency XXXX ... .two issues arise for me ... # 1 ) i was never given the oppurtunity to accept or reject the doctor ... he was presented as, what we thought, was an employee of the hospital ... but he was an " outside contractor? " ... .hence how can i be charged an exorbitant fee for something that i was not informed about ... .. # 2 ) i was never sent a bill from the doctor and was never given an oppurtunity to speak with him reference paying any of his fees ... ..he was paid an inservice fee by my insurance of about XXXX bucks ... .his collection agency disreguarded that payment and sent me a bill for the entire amount XXXX bucks ... ..my insurance company states they paid him XXXX and there is no way they should be billing me the entire amount ... .this collection agency comes up on a XXXX search as doing this stuff all the time ... c-tech collections ... .they even use a different outfit to send out the " collection '' letters ... .it comes from a XXXX XXXX ... .a XXXX search of that XXXX XXXX XXXX a company that sends out these letters for all kinds of doctors ... .all using various codes and headings ... i believe this practice violates federal collection law XXXX sub ( XXXX ) ... .using various names to try and collect debts ... .it is so questionable that new york state has made the system illegal as of mid year XXXX ... .but our original bill starts back in XXXX XXXX ... .hence the attempt at collecting what i feel is no way owed to anyone!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Been working with my realiter and the bank on a short sale for three years. When the bank switched names they stopped the process and we lost the buyer. We submitted more paperwork ans now the bank is refusing to look at the new offers we have on the house ans is trying to let it go ro a sheriff 's sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response of all XXXX credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. XXXX reports additional delays at removal, even though my first request for removal of the inaccurate information was 5 months ago ( in XXXX of this year ). Equifax refuses to update my information because my correct Drivers License does not match their incorrect records. XXXX has not responded, indicating their refusal to cooperate with FCRA. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests to all XXXX credit reporting bureaus to remove the inaccurate information. Given my small XXXX insurance income, these delays from the credit reporting bureaus pose undue hardship to me. Further, expenses to seek damages from the credit reporting bureaus in federal court would be punitive, posing additional undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I finalized a " deed in lieu of '' several years back and with that came a release of my second or line of credit unfortunately XXXX did nothing and left the original second loan on my report. Attached is a letter verifying that is was approved. I really need to get this corrected can you help. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
information added to my credit report was false and collection agency agreed to delete, equifax also agreed to delete and XXXX year later information is still not deleted, equifax will not allow me to dispute online and will not answer my letters by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a santander Simply Right Checking account on XXXX XXXX and used a promo code to get {$250.00} if certain requirement are fulfilled such as direct deposit and bill pay. I fulfilled the requirements but did n't get the bonus because my account was closed on XXXX XXXX. According to the bank the account was closed because they did n't receive my signature card. I did send them the signature card and am not sure why they have n't received it. In addition, they did n't not notify me prior to closing my account resulting in some of my bill payments getting reversed costing me in fees.

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
Consumer complaint received 2015-08-13
Company: General Motors Financial Company, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
To whom it may concern, I just found out that on my credit report that I was late paying my car payment in XX/XX/XXXX which was XXXX, I was told not to paid that because I was in the processing refinance my car to XXXX XXXX XXXX, from General motor finance. XXXX gave me a good rate for my car payment which it is XXXX a month. I am in the processing buying a home and I would like to have some XXXX to remove this from my credit report. I was following the instruction from my bank XXXX telling me not to paid that in XX/XX/XXXX because I will be getting a payment in XX/XX/XXXX which is XXXX for my car payment. the payment for XXXX would 've been paid because I do n't like anything to be late but i was told not to paid anything for XX/XX/XXXX and my new car payment due XX/XX/XXXX with XXXX. Thanks for your kindness. i really want something in my name and that is a home which i can say its mind. it something that my family and grandkids would love to have. thanks again and have a bless day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Brown and Joseph, Ltd
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
For years I have been fighting with this company about this debt that they are reporting. The debt was paid to XXXX. I have told them that this is reporting incorrectly. The original account is more than seven years old and they are still trying to collect on this debt. This incorrect reporting is effecting the quality of my life. This debt was paid to the original creditor. I will not pay a debt twice. Somewhere along the line somebody dropped the ball. I have attached the page that it appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is XXXX address that I never had lived in! Had not lived in XXXX, XXXX. I am concerned about this. I only had lived in 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 2016-11-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Ally Financial sent us a bill for {$190.00} for damage to a car returned after lease. We disputed the claim in writing. Ally never acknowledged our dispute and harassed us via phone calls and has now turned the claim over to collection agency, 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 2016-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Experian to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified.

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 2017-02-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX opened XXXX accounts within a few months during 2013 at a time when I was XXXX as verified by the attached Letter of Medical Necessity. During this time span I was XXXX. These XXXX accounts are Identity Theft and should have been BLOCKED on my Experian Credit Report. When I subsequently became aware of the Identity Theft and notified XXXX XXXX XXXX, both accounts were summarily Charged Off. XXXX has repeatedly denied my requests to BLOCK the accounts.

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 2017-02-01
Company: Paypal Holdings, Inc
State: NJ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I purchased $ XXXX ( XXXX/XXXX/XXXX ) and $ XXXX ( XXXX/XXXX/XXXX ) XXXX gift card from paypal. However, when I try to use them today I found XXXX {$50.00} and XXXX {$100.00} was {$0.00} balance. After search on internet, I noticed that paypal giftcard system have been hacked last year. I believe my lost is due to paypal 's system been hacked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX  will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


Experian will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

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 non-monetary relief
Consumer complaint received 2015-05-29
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
They are not applying my payments to the loans I am selecting causing my loans to default. I am not getting any help from AES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX issues : 1. I newly arrived the USA on an XXXX in XXXX, 2012, but could not obtain a Social security number until XXXX, 2012. I rented an apartment with XXXX, paid with my XXXX-based credit cards ( because I could not open a USA account. On XXXX XXXX, XXXX refused to accept payment by credit anymore and required that I pay through a bank account ; which I could not. 

Aside from this difficulty, the apartment was bug-infested. I made XXXX complaints in XXXX that I could not for medical reasons continue to stay in the apartment. After XXXX unsuccessful attempts to debug the apartment, I was offered another equally bug infested one. I moved out of my bugs-infested rented apartment. Residence management failed to attend legal arbitration when I reported bug infestation to the Maryland Attorney General. I signed out properly from the residence, assured that my rental agreement was mutually resolved. Yet, debt collectors have been on me since 2012, seeking to collect grossly overinflated claimed-default. Claims of a default have been listed on my credit report. 

2. I applied for a credit card with XXXX ( 5 ) times. On each occasion XXXX incorrectly reported that my credit score was XXXX ( XXXX ) ; even after I showed evidence to the contrary. I have had to close my account with XXXX because I never got any explanation for the erroneous credit score. XXXX credit enquiries within 1 year has affected my credit report, forcing me to secure credit at high rates. That is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
THESE ACCOUNTS BEING DELETED AND RE-ADDED THAT ARE NOT MINES IS CAUSING ME GREAT HARDSHIP AND WILL HAVE NOT CHOICE BUT TO CONTACT A LAWYER. 

I have had XXXX accounts readded to my credit report. The more I dispute the more wrong my report is causing me hardship. I can also not get access to my credit report. 
Accounts re-added are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) accounts and XXXX that is more than 10 years old. 
These accounts are being deleted and added back each month. 
These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Closed 1 Missed Payment {$1000.00}

Company response to consumer: Closed with explanation