BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I Purchased a new XXXX XXXX on XX/XX/2012 from a dealership name XXXX XXXX XXXX in XXXX. The car was financed with Santander Consumer USA. I did not have good credit at that time and my interest rate was around 20 %. The problem is that I have made about 37 months worth of payments which total around XXXX to date. And I only paid down about XXXX in the principal balance. I am taken advantage in a NON simple interest loan. 

Based on a standard amortization schedule. My current balance should be around XXXX-XXXX. I dont know how XXXX worth of payments went towards interest and XXXX went to the balance. 

I was forced to purchase something called GAP insurance sold by the dealer. The dealer stated that it needed to be purchased or the lender wouldnt lend on my loan. 

Please help and investigate! I am sure there are thousands of people taken advantaged of like my situation. Very grateful for the CFPB!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: SUN LOAN COMPANY INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
There 's is a error on my credit repor A hard inquiry that does not belong to me sun loan company

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 2021-09-27
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company by the name of XXXX XXXX XXXX XXXX XXXX contacted me and informed me that I owed {$360.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and I've placed a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing me about this account for weeks, and I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of PayPal but I've reached out to Paypal countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Original creditor : SANTANDER CONSUMER USA {$9200.00} This isnt my debt and this account been on my credit for 7years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: OH
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:
I contacted the creditors about these inquiries over a month ago and they never resolved the issue or complied with my request at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, unauthorized inquiry reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: CAVALRY INVESTMENTS, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This Cavalry collections company forced my XXXX   roommate to sign for some document by way of a sheriff. Not only do I not recognize the company and affirm Ive never had business with them, the deceptive practice of having someone sneak into a secured property and forcing someone with police XXXX to sign unknowingly and unwittingly for legal documents that arent his and shouldnt be delivered to our residence anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells fargo charges my bank account for fees without authorizing it through me first. I received fees in my savings account for completing too many transfers in one month. Fine, but I believe I should receive warning that the fee will hit my account so that I can make sure that the money will be there rather than them doing it without notifying me so that I am hit with that fee plus another overdraft fee because there is no money in the account. I called they would not refund me the XXXX dollars and I explained to them had I known I hit the limit of transfers per month, I would have gone to the branch store and done the transaction. Also, I received a fee in my checking account relating to a closed credit card. Because I could not make the payment on time wells fargo took money out of my checking account, and my checking account could not cover the transaction, so I was dinged with another XXXX dollar overdraft fee. I believe I should be notified, I have never seen a fee like this for a closed credit card account and if they are going to do that I would like notice so that I can make sure the money is in there or pay them by other means. Also, multiple time I have taken money out knowing that I was going to pay a fee of XXXX dollars for an overdraft protection. Multiple times I check my account everything has been posted so I agree to taking out XXXX dollars for a XXXX dollar fee. But what happens a couple of days later I check my account and transactions that were posted before the XXXX dollar withdrawl are somehow showing up after the withdrawl and I am dinged with more than one overdraft fee. I have been a wells fargo costumer for 3 years, my parents have been a customer for many and have multiple lines of credit out with them for a mortgage, renovation loan etc. Please help I am being charged thousands that I do not have and banks and insurance companies are aware of my credit but if I keep getting dinged I do n't know how I am going to ever save or have decent credit.

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 2015-11-05
Company: WELLS FARGO & COMPANY
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
There is an error in reporting of payments posted to an account. Wells Fargo issued an Overdraft fee that in my bank register I can not verify ; however, the bank can see the Overdraft and say there is no error on the banks part for the posting order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I got a loan with XXXX about three years ago and forgot about it since then. They have closed it and charged the data off and reported it on my credit report every single month for the past three years. 29 derogatory marks. I called today and tried to speak with somebody about paying off the lien and getting a XXXX balance letter. I recorded the phone call and in the phone call the man said that he could not send a XXXX balance report. He said that he had to go through XXXX procedures. I explained to him that he can not do that because there are certain consumer financial protection laws that do not allow XXXX  to handle these things for them selves. He then admitted to breaking consumer financial protection laws on recording, then hung up on me. They will not answer my calls. They will not allow me to pay the balance. There are no loan documents either.

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 2019-03-03
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This law firm, Stewart , Zlimen & Jungers , LTD, Ive never heard of representing a company, XXXX XXXX, Ive never heard of has sent a letter saying they are a debt collection company and a law firm and they stated that Ive teceny been served with the Statement of Claim and Summons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been searching for assists for a loan modification from Wells Fargo or a hold off on a sell date of my home so that Wells Fargo can review my income and expensive to try and get a modification on the loan. I was denied in XX/XX/XXXX, and was waiting to receive my tax refund to pay the amount to make my mortgage current after finding out I was denied. When going into an local branch to make the payment, I found out that I could not make the payment because I was supposedly three days late. With receiving a raise in pay and modifying my bills I believed I would quilify for a new loan modification and was told by a Well Fargo Rep what to send in. I did just that and on XXXX/XXXX/2016 I faxed all the documents that was asked. I was also told by the Rep that the review would only take 24 hours. Then after not hearing anything in the 24 hours, I called and then was told by another Rep that it could take 72 hours. But their could be a decision made later that day. After not hearing anything again I then called back and was told everything should be ok and I should receive an answer because I had all the information in by XX/XX/XXXX. Not hearing from Wells Fargo continued and I had to keep calling to try and get an update. I call today XX/XX/XXXX. And was told because my foreclosure date is Monday XX/XX/XXXX that they did n't have time to review my loan modification.

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 2016-06-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The property address:XXXX XXXX XXXX XXXX XXXX has been in foreclosure since XX/XX/XXXX with no resolution. I complied w/all requests. 
The process of foreclosure started XX/XX/XXXX. I hired a short sale atty and realtor to help get the sale resolved quickly. Wells Fargo continued to give us the runaround for well over one year. Finally, XX/XX/XXXX they approved the sell but by this time I had to file bankruptcy due to the expense of maintaining the property. I had to dismiss my yard and pool man due to lack of funds. It was my understanding that Wells Fargo would make sure the upkeep of the property was continued. I have received a bill from XXXX XXXX ( XXXX XXXX XXXX ) for y maintenance of the property in the amount of {$240.00} for yard service. I do not have the money to pay this bill. Wells Fargo will not allow me to ask questions on my own account. The reps handling the acct # XXXX are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The ph # XXXX and fax # XXXX Consumer 's Desired Resolution : Wells Fargo has been gathering information on me and the property for almost two years. This process should not have taken this long. I want to have my situation resolved w/n the 30-60 days. I want Wells Fargo to pay the bill for maintenance. There should be open line of communication w/the homeowner 's association regarding what is required to satisfy the deed restrictions in that community. Please have Wells Fargo pay their attorneys that they hired to setup the foreclosure.

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 2016-01-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Purchased vehicle with 21.9 % interest and the sales person was not clear about the terms of the contract. The XXXX mile four year warranty was really only a XXXX mile four year warranty. The sales persons were deceptive and not looking out for the customer and more focused on commission of the sale. After nearly four years I still owe more than the original sticker price of the car. The car needs major repair but the warranty is expired. They refuse to offer refinance option to make the car more reasonably affordable. It may take four more years to pay off a car that has started to fall apart. I am unable to purchase a dependable car because of this terrible contract with them. I feel like I was trapped into a bad contract. This contract is forcing me into filing bankruptcy as an only alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I WAS PUT IN A PREDATORY LOAN .I DIDNT RECEIVE FIRST TIME HOMEBUYERS. OR ANY TYPE OF FIRST HOME ASSISTANCE .SO DUE TO BANKRUPTCY RECENTLY .WELLS FARGO PUT ME THROUGH THE PROCESS OF ALL THIS PAPER WORK .GIVING PERSONAL INFORMATION TO DENY ME A LOAN MODIFICATION.WHICH EVEN CAN INCLUDE., MODIFYING THE BALANCE LEFT ON THE LOAN TO A LOWER AMOUNT.I LIVE IN A HIGH CRIME AREA.AROUND BLITTED PROPERTY.I HAVE BASICALLY ALL READY PAID OFF THIS LOAN.I HAVE BEEN WITH WELLS FARGO SINCE XXXX.I HAVE MADE ALL MY PAYMENTS ON TIME I HAVE NEVER MISSED A PAYMENT .EVEN WHEN MY INCOME CHANGED.I APPLIED FOR THE MODIFICATION TO GET THIS PROPERTY AMOUNT REDUSED.EVEN TRYING TO TALK TO THIS COMPANY ABOUT A LOAN SETTLMENT. WELLS FARGO SAID THEY WOULD TAKE ALL THIS INTO CONSIDERATION.I FEEL LIKE MY LOYALYTY AS A CUSTOMER HASNT BEEN APPRECIATED.I ALSO FEEL DUE TO THEM DENYING ANY TYPE OF MODIFICATION MY ASKING FOR A REDUCED BALANCE AMOUNT WASNT TAKEN INTO CONSIDERATION.

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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2015-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Case number : XXXX are the papers to prove my statements and the lack of bank of America not taking them seriously, as evidenced in their reply to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receiving calls and letter in reference to previous bill which was paid some dating back to 2004, some years prior to the death of my husband. Many related to agency collection fees for bills which were paid to the hospital/doctor directly. Many others show no balance due. Have repeatedly told this agency they were in errors and after seeking documentation their own evidence shows they are in error. 

Remove all records and notations on my credit report with the Credit Reporting Services

Company response to consumer: Closed with explanation