BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a XXXX XXXX in XXXX XXXX for my daughter from Chrysler Capital. Recently she was relocated by her employer and no longer needs the car. I have found a third party ready and willing to make the lease payments and use the car for the remaining 26 months of the lease. My lease with Chrysler Capital is very clear that they will permit a sublease unless they believe in good faith that the sublease will jeopardize their rights or increase their risk. Under the Sublease, I would continue to be Chrysler Capital 's lessee and hence, Chrysler Capital 's risk is unchanged and their rights are unaffected. 

In several phone discussions with Chrysler Capital, I got nowhere. They finally said that any such solution was not available with no further explanation. I wrote to Chrysler Capital on XXXX XXXX formally requesting their consent, they did n't respond. I have written to them again today. 

So instead of having a third party cover my remaining {$7500.00} of payments, I have the XXXX XXXX sitting in my driveway where it will remain for the next two years unless Chrysler Capital provides the consent. I will continue to make the payments but this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am requesting an investigation because there is Public Record Information on personal credit profiles that is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. As it is understood that the credit bureaus have retrieve my information from a third party entity without my authorization, I am entitled by my consumer rights to have the full contact information and ID that they have " verified '' this information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have contacted the the Bankruptcy Court and they have confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation