BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-04
Company: Green Square Company LLC.
State: NY
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several debt collectors have repeatedly called me, my family, and friends in several states with calls at all hours. They are referencing payday loans from XXXX and XXXX. When I moved to XXXX for a new job, I did take out several payday loans for {$250.00} to {$500.00}, but those were settled between XXXX and XXXX. The collection calls started in approximately XXXX of XXXX. The have repeated called relatives, me, and disturbed a very ill friend in XXXX XXXX, XXXX at all hours which has been upsetting to all of us. 
The most frustrating fact is that none of the firms will share any information about the debt - when it originated, when I supposedly missed the payments, and what I owe now. 
XXXX firm asked for {$400.00} as a " restitution payment '' to settle XXXX debts and another asked for {$1500.00}. Again, no details are given. 
The loans were taken out online - and I 've never been contacted by email regarding a delinquency. 
The firms that have incessantly called me, my family, and friends across the US are : XXXX, Premier Recovery Group, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
The allegations are : " Theft by Deception '' and " Malicious efforts to defraud a financial institution. '' What 's ironic is that I work for a major XXXX and the staff here are advising me that this could be fraud, since no details are provided.

Company response to consumer: Closed
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX  is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Santander Consumer USA Holdings Inc.
State: LA
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 have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was in the process of trying to purchase another vehicle because the vehicle that I have cost to much and i have had it for 2 years. The amount has not went down. It is still the original amount XXXX and that is the pay off. I ask them what have we been paying on and they have me excuses. I ask for management and they still have to talk to customer service. The vehicle is a XXXX XXXX XXXX. My credit report has been sent to several lender and including Santander with reference number XXXX. I bought the car XXXX XXXX and I was told that we trade it within two years with no problem. Now I having problems Santander will not finance me and they pulled my credit report twice and still the same denial. I do not know what is going on the business practice but my payments have not went down. There is some discrimination going on with business practice and it strange that response is the same on the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Green Square Company LLC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX/XXXX/2015 - XXXXCall from XXXX , Home phone, she said she has some court documents for me, I told her to serve the documents she tried to claim she was n't from a collections agency and said she was from the Legal Department of PRC . When I told her to serve the papers she also became very rude and hostile telling me I will go to jail for this. I explained to her that I have no problem with litigation. 
XXXX XXXX called my Cell phone asking for the supervisor of XXXX XXXX. I identified myself as such and she said she wanted to know the protocol for serving court papers at work. I told her to feel free to serve them however since she had Identified herself as a collection agency she was in violation of the FDCPA. She then denied she was from a collection agency and said she would " see you in court ''. 
XXXX call this week! 

I have asked for, in writing and verbally, the amount of the debt, the original debtor, and why they believe the debt is mine. I have never been given this information. I have addressed several letters to the following XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXXThey have yet to return a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: CarFinance Capital LLC, Irvine, CA Branch
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with Carfinance.com. Since the first payment XXXX I have paid an extra XXXX every month to go to Principle. Then in XXXX I started paying an extra XXXX to principle. Car finance will no longer send me a statement because I am paid too far ahead, I want a monthly statement so that I can track how they are applying the funds. 
I have to call them and they sent a statement but the statement is all messed up. sometimes, ( XX/XX/XXXX ), the whole {$610.00} was applied to principle, on XX/XX/XXXX {$170.00} was applied to interest, then the next month XX/XX/XXXX {$220.00} went to interest. The interest should go down if the principle is reduced. I can send you a statement if you would like to see it, my account # is XXXX if you want to contact them. 
Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: MI
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:
I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 2016-02-10
Company: Santander Consumer USA Holdings Inc.
State: AE
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I just received a phone call from a woman who claims to be a representative from Santander Consumer in reference to a loan where the property was repossessed and re-sold to another party. The caller told me that they could cut me a " side deal '' to where I would only pay half of the debt owed and the other party would be responsible for what was left. When I refused and stated to her that the whole thing do not sound right she ( the representative ) began going into a tirade about how she 's going to offer the other person the deal if I did n't take it and that she was going to put the debt into collections and ruin my credit. She also stated that the company would attempt to take me to court for the balance due. This company first contacted me back in XXXX and I expressed to them then to no longer call me and to deal with the former owner of the vehicle. They called a few times in XXXX and instead of leaving messages they just hung up. They would also hang up when I answered. They stopped for a while and had started back calling in XXXX XXXX. When I would answer they would hang up. They would not leave a voicemail when I did n't answer. Today on XXXX XXXX XXXX at XXXX Arizona time, XXXX XXXX time ( where I currently reside ) they called me and I answered the phone and that 's when the woman on the other end began to harass me. The number where the calls are originating from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have contacted Santander USA regarding surrendering my automobile. What I receive instead is harassing calls ever since. The calls have gone to my employer even though I have spoken to them daily about picking up the automobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX / XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire, and through an intermediary named XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Chase Banks services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 AM A VICTIM OF IDENTITY THEFT

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 2021-01-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have sold cryptocurrency on binance exchange, then when i have received my money ( direct payment on my PayPal account ) next day buyer made charge back of money with reason " unauthorized transaction '' ( no money, no cryptocurrency ), support of PayPal not helped me, support of XXXX not respond, i don't know what to do and if i can't receive my money at least punish person that made this with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Re : Santander Consumer Finance Since purchasing a XXXX GMC Envoy from Santander Consumer Finance 's Road Loans in XXXX XXXX, Santander 's records document 33 payments received on the account totaling {$9600.00}, and only {$1300.00}, or four partial payment amounts, were applied to the principal. I did not understand or believe it is legal to offer interest only loans. This loan forces me into a perpetual cycle of debt that I can not afford to continue. I am XXXX years old and no longer able to drive the vehicle or pay it off. The vehicle can not be sold because the current value is approximately {$2500.00} and the balance is over {$12000.00}. The original purchase price was {$12000.00} with an interest rate of 26.29 %. I notified Santander in writing on XXXX/XXXX/XXXX of my wishes to voluntarily surrender the vehicle, provided an address for them to have the car picked up, and gave them contact information for my daughter so they can retrieve it. Santander has not contacted my daughter to pick up the vehicle per my request. My daughter also contacted Santander on my behalf to ask that they pick up the car and she provided the address as well. I also informed Santander to stop all communication with me and with my address about this debt. 
I would like the CFPB to : 1. Assist my daughter with surrendering the car to Santander. 
2. Investigate my complaint and notify me to confirm that interest only loans are legal. 
3. Provide me with my options to dispute Santander 's practice in my case. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: OH
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Filings and Claims Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX just called me and threatened me with jail. They did n't tell me what the debt was or how much or who the creditor was. When I pressed, they said in XXXX XXXX and hung up on me. They called from the # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have this house since XXXX and the total price was XXXX I have being paying all this years and my total today is XXXX and no one can why the price is going up instead of go down with me paying all this years A keep asking for some to investigate in the matter and no one since to be able to help me with this,, I would like for some make them explain and tell me where all this money is coming from.

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 2015-04-07
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My wife and I have a joint auto loan with Santander. They have placed late payment notices on our credit reports and payments on the loan were made on time. We have contacted Santander about the problem and have disputed the reports, but have gotten no satisfaction. We went as far as sending Santander bank receipts of the on time payments but they refuse to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: NEW YORK COMMUNITY BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have repeatedly asked this online bank to verify whether they have in any way contacted any credit bureau regarding fees they illegally charged when I closed my account, or will contact any credit agencies, or in any way submit anything negative about my credit rating, and the bank has stonewalled deliberately for months, repeating fifty times only that my account is no longer overdrawn, which I have known for months. The bank does not remotely answer the simple question ; has it taken any action regarding my credit history related to my account closure? This bank should have its license revoked

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Big Picture Loans, LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Trying to get in touch with Big picture loans to get my loan number, so I can change the status with my bank, and ca n't get it. it is not on any paperwork nor can I get through when i try to call. This keeps causing my account to go negitive. Also there was added verbage to my loan paperwork that I did n't see until I reviewed before submitting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Premium Credit Bureau
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015, a " hard inquiry '' was made on both my XXXX and XXXX credit report by XXXX XXXX XXXX XXXX XXXX for purposes of determining eligibility for an " unknown '' reason. That inquiry is damaging my credit rating to date. Be advised that this his writer " did not '' at any time request either a loan or credit card from XXXX XXXX XXXX and/or its affiliates. I contacted both XXXX XXXX XXXX, XXXX XXXX, [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX ], and Premium Credit Bureau/Dept., Reporting Agency, [ XXXX XXXX. XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX ] seeking redress, but to date I have yet to receive a Case Number or a response to my dispute and request for verification pursuant to 15 U.S.C. sec. 1692g of the Fair Debt Collection Practices. These facts withstanding, I am respectfully requesting CFPB investigate this matter and take the necessary steps to remove this erroneous entry from all credit reporting agencies ( i.e., XXXX, XXXX, XXXX, Premium Credit Burea, XXXX ). 

Your time and consideration will not go unappreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: M&T BANK CORPORATION
State: CA
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:
I paid my car loan in full and never received the title.

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 2016-10-20
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Missed call from XXXX on XXXX XXXX, 2016 at XXXX Caller left a voicemail : three seconds of silence. 

Missed call from XXXX on XXXX XXXX, 2016 at XXXX Did not leave voicemail. I called the number back and received the message " We 're sorry, you have reached a number that has been disconnected or is no longer in service. '' Received call from XXXX on XXXX XXXX, 2016 at XXXX 

They asked for an individual that was not me. On this call I learned that they were GC Services LP and given the phone number XXXX. I asked for more information about the call and how they obtained my phone number, but was not given a clear answer. One method they said was a database, that the company gathers information. Another method they said that the individual that they were trying to contact had written my phone number down, but quickly retracted the statement. After a few attempts, I was able to be connected with someone who was able to provide me their mailing address, XXXX , Ohio , XXXX. I asked if they would be able to confirm that another phone number belonged to them, [ hoping to confirm whether or not the XXXX number belonged to them or another telemarketer ] but they said that they do n't always know what phone numbers show up when they call. I then told them that my phone number was not a good contact phone number for the individual that they were trying to contact and asked to be taken off of their contact list. 

I then called XXXX to try to verify the XXXX phone number, but they were unable to assist with that issue. The operator did say that I was put as a reference for the individual that they were trying to contact and that is why they were calling me.

Company response to consumer: Closed with explanation