BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-29
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an issue with which I would like to request some assistance. Approximately 10 years ago at the request of my parents, I co-signed for a van with my dad. Both of my parents had bad credit at the time and they asked me to co-sign with them so they could get the van. We did n't have a vehicle at the time as our old one had many mechanical issues. My dad worked and we needed one to get around. I was XXXX when I made this choice. I just did it and figured that it would be the last time that it would ever come up again. Approximately 4 years ago, the car was repossessed. This did n't mean anything to me because I was n't the one handling the van, any of the payments, or anything else that concerned it. We used a loan company called Santander Consumer USA. My father passed away a little over a year ago. His name is the only one besides mine on the contract for the van. I received a phone call from a debt collection agency concerning the van and some money that was due on it. I was told that I was now the one responsible for the remaining balance due, which is almost {$3000.00}. I ca n't afford this. I find it a little strange that there is a lawsuit against me after my dad died. There was plenty of time to reach out to my dad to resolve this while he was still alive. I am due in court in XXXX. At this time, I will have a judgement placed against me for the amount mentioned above. This will mean that I will end up having my wages garnished. My finances are already really tight and this would make things extremely hard for me. I have court papers and all documentation if that is needed for anyone to be able to assist me. I would really appreciate some guidance or help as far as what can possibly be done to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been attempting to close on a rate refinance with Chase Bank for over 3 months now. Their underwriting is AWFUL as I have to repeatedly supply them with the same information. It is almost like they hire people for as little pay as possible and then are surprised when their underwriters are idiots. The worst part about this is, CHASE HOLDS MY PRESENT MORTGAGE I AM ATTEMPTING TO REFINANCE!!! I have never seen this level of incompetance and I work in the mortgage servicing industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: TN
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. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day starting from XX/XX/2020 everyday until today XX/XX/2020, the organization called Lincoln financial automotive services calls my phone repeatedly harassing me regarding a late auto payment. Im a XXXX and retired person and my daughter lost her job and has been unable to pay the desired car note amount. My daughter has attempted to work with Lincoln financial automotive services to no avail and they are not willing to work with her or provide her any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: LEXISNEXIS
State: NV
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 have repeatly disputed the validity of a bankruptcy that is showing on my credit file. I have made several attempts to work this issue out with the credit bureaus and each time they are telling me that this bankruptcy belongs to me. I have been a victim of id theft my information is showing on the dark web. I have been working so hard to have inaccurate information removed and the credit bureaus are giving me a hard time. I have not filled bankruptcy and this should not be reported on my credit profile. I would like this removed STAT so I can move on with my life. Secondly if this bankruptcy belongs to me per cdia a minimum of consumer personal identifiying information such as ( name address ss ) has to show on the document and it does not so I am asking again that this item be removed from my profile. I have attached a copy of my ftc report the company requested my id so I have it attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: ATLANTIC HOME LOANS 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:
We have tried to remove the fraudulent mortgage account from our credit profile but the credit bureaus ignore all requests and demands. 

i nor XXXX XXXX did not nor ever gave consent to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX  XXXX XXXX nor XXXX XXXX nor Atlantic Home Loans, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX XXXX XXXX XXXX yet all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital One is withholding a refund that was issued in XX/XX/2021 ( attached ). The reason I was given is that the transaction in question states the item was delivered, based on a photo ( attached ) that shows the merchandise leaned against a brick wall. That could be anyone 's house. The items in question were not delivered.. XXXX XXXX has validated that at least 6 times and issued a credit for which Capital One is not releasing. Also the drivers log provided does not state the items were delivered, it states the anticipated delivery is .... see CFPB complaint XXXX. It also seemed to me that once the bank issued their response, that was it, as if the claim had not truly been investigated. Very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX had a due date of XX/XX/22. We were made aware on XX/XX/22 the payment had not been received and a phone call was made to PennyMac explaining the urgency of getting a payment made. The call turned into a 3way call with Insurance Agent on the line. PennyMac was given an overnight address to send the payment to and instructed a payment needed to be sent overnight to prevent Insurance Policy cancellation. 
Then on XX/XX/22 our Insurance Agent reached out saying payment still hadn't been received. We called PennyMac again asking where the payment was. They informed us it was snail mailed on XX/XX/22 and would take 10 days to get there. 
Then on XX/XX/22 our Insurance Agent reached out again saying payment still wasn't received. So, we called PennyMac again asking for confirmation on check info to Insurance. We were then informed the payment was actually mailed on XX/XX/22 via Ground shipment and would take 10 days. Because of all the conflicting information, we asked to speak to a manager. Every excuse was made to not transfer us to a manager at PennyMac. During this phone call we were told every action would be taken to get a payment out overnight. 
On XX/XX/22 our Insurance Agent reached out saying payment still wasn't received. We then proceeded with a 3-way call to get PennyMac on the phone. PennyMac failed to get someone on the phone who could help us and even hung up on us when we were trying to explain the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: TN
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. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Sincerely yours

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 2016-02-22
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car with a loan from Santander USA. Due to my being XXXX and limited toa fixed income, I got behind on my payments. Santander made an agreement with me to allow me to pay a certain amount and have time to catch up the payments. After I had paid the agreed upon amount, the vehicle was repossessed within a week. This was after paying them for almost 3 years and having a little more than a year to go on the loan. They sold the repossessed car, by their choice, then reported a debt on my credit report of more than {$1500.00}. 

The negative report they have given me has blocked my credit for the past 3 years. I 've asked them to remove this debt from my credit report since they repossessed the car AND sold it. - They 've left me with nothing after all the money I payed them and they are ruining my credit with this unfair debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are reporting incorrectly a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to  investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.

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 2020-01-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX  and Bayview Loan is attempting to foreclose on my property with fraudulently robo signed assignments. I have mailed a 2 QWR and a debt validation neither have been responded to. The assignment are fraudulent. Bayview neither XXXX XXXX XXXX have tried to resolve my concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I set up for loan consolidation with Navient, I was in a repayment plan with the fl XXXX XXXX XXXX, because navient failed to give me the right information as well as fail on their end to get the payments for my loans to the XXXX XXXX XXXX my wages are being garnished and I am unable to change the status without paying to have this stopped. I am in extreme financial hardship because of the issue that navient is indicating they are unable to fix, when I did my part to enroll in the income driven repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
When we bought the truck, we were told we were paying $ XXXX. But when we looked into, it looks like we are paying over {$30000.00}. Not what we agreed. And the payments are astronomical. Almost {$600.00}... 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 explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: FL
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the identity theft. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XX/XX/2022

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 2016-09-30
Company: LDF Holdings, LLC
State: MN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received XXXX dollars into my account to a payday loan from XXXX that I did n't apply for and did n't approve. I went out of town on the XX/XX/XXXX, returned on the XXXX and was going through my account. I had a XXXX dollar deposit into my account on the XX/XX/XXXX. I had contacted XXXX on the XX/XX/XXXX to check. They said it was filed. I reached back out on the XX/XX/XXXX with no resolution. Turns out XXXX never had filed the complaint. I called XXXX and they said that they had gotten confirmation from my current employer, XXXX XXXX, which is not my current employer. They suggest I reach out to XXXX again to file an XXXX to decline the XXXX deposit. I have filed paper work to get things reversed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Name : Employer : XXXX XXXXXXXX, TN Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Inquiry : XXXX XXXX XX/XX/XXXX Collection : XXXX - XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Collection 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 2022-08-19
Company: Experian Information Solutions 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:
We have tried to remove the fraudulent mortgage account from our credit profile but the credit bureaus ignore all requests and demands. 

i nor XXXX XXXX did not nor ever gave consent to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXXXXXX XXXX nor XXXX XXXX nor XXXX XXXX XXXX, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX XXXX XXXX XXXX XXXX all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473

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