BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company/lender is trying to repo our car, Its the only car we have and depend on this car for work in order to pay our bills, without this car nothing gets paid and we lose everything including our home. 
We have offered to pay them {$1000.00} a month to get the loan current, that 's over {$300.00} more then the loan payment, we have asked several times for them to reconfigured the loan in order to get the payments lowered as to make it more affordable for us to manage after losing my job, they refused, in turn this resulted in falling behind with the payments, and the car ordered for repossession. 
Is there anything I can do about this and them refusing offered payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NJ
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hauge Associates, Inc of XXXX, SD has been reporting false information to credit bureaus for almost 3 years. As of XXXX they reported to XXXX, XXXX false claims of debt owed. On XXXX they filed small claims suit against me in court. I challenged that claim in court and prevailed on XXXX as the judge dismissed the case for lack of proof of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Duvera Billing Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We needed our car repaired and the cost came to {$1400.00} at XXXX we did not have the cash so the manager said we could get a easy pay loan and set it up over the phone after giving our information to someone over the phone he handed me the phone and a man told me that I could pay it off in 90 days same as cash or I COULD PAY {$140.00} for 12 months and I said I could do that and we had done that without fail the last 12 months never late. well on the 13 month they took another payment out so I called them and they were rude and said I owe for another year. they said I agreed to that no I did not, there was no contract sent to me only a over the phone agreement that I did without fail so I closed my account so they could not get another payment I do n't owe for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-26
Company: North Shore Agency, LLC
State: IL
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:
Had a subscription for XXXX XXXX. They sent an offer to renew notice, which I accepted. Shortly afterward, however, I stopped getting magazine, so I assume they did n't receive renewal. Afterward, began receiving billing notices from them, which I ignored because I was n't receiving magazine ( nor had I received renewal gift ). Again, assumed they had n't received renewal. Eventually, I decided to make payment because I wanted to begin receiving magazine again. Saw they had gotten payment. Shortly after that, received notice from collection agency. 

At the end of the day, my complaint is that I did n't pay the bill because I had stopped getting the magazine. It 's like agreeing to a gym membership, never getting a membership card because I had n't paid yet, but being billed and considered past due, even though I 'd never been access to the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have several student loans ( private and federal ) being serviced through Navient ( formerly XXXX ). For some time now, there has been a pretty large discrepancy between the total current balance displayed on my account on Navient 's website and the total balance I get when I add up every transaction on my account for every loan throughout the life of each loan, I get a number that is approximately {$20000.00} less than what they are showing my total balance to be. I 've contacted Navient several times ( they 're claiming they have record of 3 times, it feels like it 's been more ) for some explanation as to why this discrepancy exists. Each time I call, I get a different reason and then I 'm told that a request is being entered for research to be performed on my account. Once the research is completed, I 'm told I 'll receive a written explanation in the mail. So far, I 've only ever received account summaries for a few of the loans I have through Navient. I 've never received any type of explanation or anything meaningful that I ca n't get myself from their website. I 've had 2 customer service reps tell me that the sum of all transactions on my account should be equal to my total account balance and that they do n't know why they 're not adding up correctly. Another rep told me that it could have something to do with them transitioning to a new system or their new website ( when they changed from XXXX to Navient ). In any case, I 've yet to receive any valid explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a home equity line of credit on my personal home with BB & T. Around 2010 I got behind on a few payments but then I was able to pay the account off and so the account was closed. The credit reports report the status on the account as paid and closed in 2010, but also report incorrectly this account as a FORECLOSURE that is incorrect and affecting my credit. I submitted a correction request with the credit reports but had no luck and the Bank BB & T refused to make the correction and they have NO prove that the home was foreclosed because I paid it off ( as the 3 credit bureaus report the account paid off, balance = 0 and closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am attempting to sign up for the Equifax Data Breach and free credit protection. The web site is always down and the phone number they provide is always busy so you can not get through to them. I tried to enroll and then the site went down so there is no way to confirm whether I am actually enrolled in the system. This is a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: ALLY FINANCIAL INC.
State: MD
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 keep getting turned down for credit that I did not apply for and some letters say they can't confirm my identity. I didn't apply.

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 2016-03-08
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan for my car with Santander. I stopped making payments XX/XX/2011, the car was repossessed XX/XX/2011 the car was then auctioned off and the payment was applied. The remaining amount owed was {$1400.00}. I never got a letter stating the amount owed. I was verbally informed over the phone after multiple calls early in the morning and late at night. I was able to pay the remaining balance. However, on their end it is not showing as paid. They sold the loan twice to different debt companies, none of which called me to inform me of the " debt ''. Now I am being sued for the {$1400.00} from a debt collector. My credit report is showing inaccurate information as well. The only payment history it shows when XX/XX/2011 when my last payment was made and XX/XX/XXXX when the car was repossessed, then it is showing when their payment from the auctioned was applied. I had my loan with them for 4 years prior to this. None of that payment history is on there. I believe this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
On XXXX XXXX, XXXX my son was driving a Hyundai XXXX that was in an accident and totaled. I co-signed the loan on the car. The insurance covered the cost of replacing the car along with GAP insurance that was paid to Hyundai Motor Finances on XXXX XXXX, XXXX. My account with Hyundai is # XXXX. In XXXX, XXXX I happened to check my XXXX Credit Report and noticed that Hyundai was still reporting almost {$20000.00} still being owed on this car that had been paid off by the insurance companies. i contacted both XXXX and Hyundai about this. XXXX issued a dispute to Hyundai and considered the car as having been paid in full. When I finally got through to Hyundai Motor Finance the representatives were very rude and stated that there was a {$350.00} balance left on the car. I questioned them as to what this was for and they could not tell me specifically. I asked, if there was a remaining balance on the car, since GAP paid them in XXXX, why they never contacted me or sent me a bill. They told me they do n't do that and I " would have figured it out eventually ''. When I asked to speak to a supervisor I was told that one was not available and they had up to 72 hours to return my call. Today is XXXX XXXX and I am still waiting. I sent a certified letter to Hyundai Corp. offices in California on XXXX XXXX telling them about the problem I was having with Hyundai Motor Finances. I received a one sentence letter back stating that the balance was correct. Again there was no explanation of what it was for. A regular car payment is {$380.00} a month so this balance was not even for a monthly payment. On XXXX XXXX I again called Hyundai and spoke to someone named XXXX who told me a bill had been sent on XXXX XXXX. I never received it. I asked her to send me another bill and itemized statement. None has ever been received. Yesterday I received a phone call from a woman at a collection agency telling me the account with Hyundai had been sent to collection. I explained the situation to her and at this point I am absolutely livid. In addition, my credit score has dropped XXXX points this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I currently have a loan with Santanders Credit Consumer. I took out this loan is XXXX 2015 from XXXX. I have been making all my payments on time. I have actually been paying off more on the loan than the minimum payments. Santanders had been reporting the status of my loan to all XXXX credit bureaus since I opened the account. When XXXX stopped using Santander as a finance company for their business, Santanders stopped reporting to all XXXX of the credit agencies. I have called customer service numerous times and they keep telling me that they report to all the credit bureaus on the XXXX of every month, but for the last two months they have not shown on any of my reports. They keep telling me that they are working to fix the situation but still nothing has shown on my credit report. When Santanders removed themselves from my credit my credit score dropped dramatically.I do not think this is fair especially since I am still making payments and I would like this good credit history to reflect on my credit report. Although Santanders is no longer doing business with XXXX, my account is still open and not closed so I do not understand why they are not reporting it. If I was not making payments I am quite sure they would report that! I am just asking please fix this issue because I am in the process of of trying to purchase a home and I need this to reflect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: BB&T CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I want to cancel the monthly automatic ACH from my BB & T bank account and switch it to another one ( our property manager ), but BB & T 's mortgage division 's answering service will not connect me to an agent and keeps telling me to call back. My account has been overdrawn 3 times now as a result.

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 2023-08-03
Company: EQUIFAX, INC.
State: AL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the credit bureau  ( s ) a nd inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX    XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.

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 2023-08-03
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
.... The XXXX XXXX, NY ] Webster bank branch will not provide paper or electronic statements for my bank/trust account ; nor will the branch assist with setting up on-line access. Whereas, the said branch [ management ] rarely accepts/returns my telephone calls for a discussion to resolve the problem. On occasion, when I was able to speak with the branch manager ( XXXX XXXX ), the discussion concludes with the " intent '' to correct and resolve the problem. However, as of the date of this transmission, the problem still persists as referenced. XXXX XXXX, Successor Trustee. For convenience and edification, a copy of a check is herewith enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-08-03
Company: EQUIFAX, INC.
State: MI
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The collateral for this loan was in an accident on XXXX/XXXX/16. It was declared a total loss on XXXX and check mailed out on the following day by XXXX. I spoke to WFDS and explained the situation and asked if I would still need to make the XXXX payment and was told that if the money was received by the insurance company I would be fine to not. I called twice weekly asking about the payment when the website was n't updated and was finally told on XXXX/XXXX/16 that they did not, in fact, receive the payment. 

Frantic I told them that I was 7 days away from being 30 days late. They said not to worry, have your insurance company stop the check, issue a new one and overnight it to the following address : XXXX Attn : Wells Fargo Dealer Services XXXX XXXX XXXX - XXXX XXXX Colorado XXXX It was sent the following day ( XXXX ) as XXXX had already picked up from XXXX that day The XXXX checks totaling ~ {$20000.00} were received by WFDS on XXXX at XXXX local time and signed for by XXXX XXXX. 

I called XXXX, XXXX, XXXX asking if they had posted, worried about my credit and was told by XXXX, XXXX and XXXX that it would be fine, and the payments would be posted by the postage date. 

After the weekend, I continued calling, still worried about it not posting and then showing XXXX payments due and was told by XXXX that money, contrary to the original calls, would be a " principal only '' payment and that I was indeed late and our line got disconnected. I called back AGAIN and was told by XXXX that I was ok and it would not be. No one at WFDS is helping or making sense, and I 've worked SO hard to make sure that my credit was perfect after our chapter XXXX. They have now as of XXXX/XXXX/2016 posted it as 30 days delinquent despite being told repeatedly I was fine and had nothing to worry about. 
They have now also put me down as not having insurance, on a totaled car, and are threatening to place insurance at an absurd cost to a car that does n't exist anymore. 

Please help.

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 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In good faith, I paid my minimum payment online. I even called customer service to expedite the payment to ensure payment would process successfully and on time. The customer service woman told me there was nothing they could do, but that my payment would process by midnight. I have other bills pending and the payment she said would process by midnight did not. 

Upon capital ones efforts of processing this payment it declined due to my other bills conflicting with this one. If it would have processed by midnight like it was supposed to, I would have been able to make a successful payment and not incurred any late fees. I believe capital one does this on purpose in hopes of people defaulting, such as I DID, in hopes of generating late fees. This has happened to me multiple times and it's not right. XXXX XXXX did this and Capital one is no different.

Company response to consumer: Closed with explanation