BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-01
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got a car loan in   XXXX   XXXX  . I went to  XXXX   XXXX   XXXX  after a divorce and my credit was below average, so they financed me through  Santander Consumer USA. Th ey gave me a  XXXX  dollar loan for a  XXXX   XXXX   XXXX , that was only valued at  XXXX . I was in desperate times, especially as a single mother and no longer having healthy credit due to a divorce, so I purchased the car. My  XXXX   XXXX   XXXX  percent and a monthly payment of  XXXX . I had a 72 month loan. In    XXXX   XXXX   XXXX    I was noticing with my loan, that the principal was never being paid off, and that the payoff balanced was still over  XXXX . I talked to  Santander many times throughout the years and they could not  try to refinance me with a better rate or with a lower payment and it was nearly impossible to pay off the loan. with 4 years of paying the loan and technically 1 year to go, I should not have had a principal balance that high. SO in  XXXX  I went to another car dealership, got a loan and a new car and I called Santander to come and pick up that car, that could not afford to have that car. IT has hit my credit really bad after working so hard to get my credit back up after the divorce. They auctioned off the car and still say I need to pay  XXXX . This is an absurd contract and should be against the law to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a plan in my name with a family member who did not keep up with their share of the bill, which drawed me to the conclusion of closing out the account which resulted with me being left with this outstanding balanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i am an XXXX XXXX XXXX XXXX  credit acceptance came on federal government property and repossessed vehicle while i was XXXX violating the service member civil relief act. company marked credit reports as a repossession.

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 2016-08-10
Company: F.H. Cann & Associates, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company F.H. Cann and associates keep calling me about a debt that my brother owes. This has repeatedly called my number even after I told them not too. I just want them to stop calling because I have no idea where he is and to my knowledge my brother never had my cell phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Atlanticus Services Corporation
State: AZ
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:
OKAY, this company I have had absolutely the worst service with and I will attach all the other issues/ reporting done on this site. I must say the Customer Service has really gone DOWN hill. 

previous issues were speedy and customer service was simple. 

this issue is simple 2 payments where made on the same day and they only allowed 1 to process creating a shortfall on total paid and then cut off my access to credit protection as if I made the payments untimely.. 

this is now the 7th issue and plus they closed the card in retaliation of last filing. NOW THEY ARE REPORTING THIS CARD XXXX LATE. 

total balance is {$250.00} and I request they pay this card off. I'VE CALLED ENOUGH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02
Company: SYNCHRONY FINANCIAL
State: NJ
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: Problem getting your free annual credit report

Complaint:
My credit score is freeze for check my score

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 2021-08-02
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, XXXX, I lost my job. I was able to obtained a new job 2 weeks later but a decrease salary of XXXX. I entered all my creditors into a debt consolidation/repayment program called XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX was one of the creditors. 
Capital One was offered a settlement but they never responded to the programs request nor did I receive any response or documentation from them since XX/XX/XXXX. Then on XX/XX/XXXX at XXXX, I receive a summons for court by the Sheriff.

The Attorney Capital One obtained, Mandarich Law Group , LLP has not done their due diligence either. I never notification from them in attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a realtor representing my client and I have been trying since XXXX to initate in equator. They have even told me that I would be able to initiate in equator. We went through a modification in XXXX and the client does not want to do it. He wants to proceed with a short sale. Every time I call no one can ever do anything and you have to talk to management to be able to get you in the system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 'm a victim of identity theft and a store credit card was open without my knowledge.

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 2022-11-16
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, My XXXX XXXX XXXX daughter opened the door and was handed a paper. When she asked what is it he said he is unsure and left without a signature or verification of whom he handed the paperwork to. I looked at the paperwork and it says I am being sued by a debt collector I never heard of before Jefferson Capital Systems and an attorney named XXXX XXXX XXXX. Suing me for a XXXX XXXX  that was wrongly taken out of my possession in XXXX from XXXX XXXX XXXX. My truck was paid off, I spoke to a rep that clearly stated I paid over XXXX for the truck and she didnt know why they were saying I still owed payments, There were payments missing and no one could explain where my money was going. I requested that they review my phone calls for each time I called in to make a payment. She said she would email me some paperwork showing the truck had been paid off once, and then payments just disappeared. Once I received the email and tried to reopen it to save it, it was no longer available, and a few days later I walked outside and the truck was gone. When I called them they said I would have to pay over XXXX to get it back. This company completely ripped me off, stole money and truck from me. Each time I tried to call them after that I would always be placed on long holds and no reply. I never heard from them again. Now almost 4 years later this collection agency that I have never received any communication from is trying to sue me over a janky company that steals money from people. I wasn't able to verify or validate anything before they decided to sue me. I don't know if they are able to legally collect this alleged debt or if they are trying to steal from me like XXXX XXXX XXXX. I feel completely violated and harassed and this doesn't look good on my profile. Debts are supposed to be validated and verified BEFORE they are allowed to sue you, according to new laws they aren't supposed to try to collect at all. They are not the original creditor and just trying to find a way to get money off of a scam. They didn't properly reach out to me beforehand because they know this debt is not owed and tried to find a illegal way to obtain money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Cash rebate credit card is co-branded with XXXX XXXX to directly apply cash rebate to a student loan. Follow up with recipient ( a relative ) of my directed cash rebate indicated it has not yet been applied. Letter was written to Barclay Bank, issuer of credit card with a copy to XXXX ( successor to XXXX XXXX ) and sent on XX/XX/XXXX. To date no response has been received from either party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My company leased this vehicle on XX/XX/XXXX with myself as the guarantor. I later found out that I was frauded on the loan and reached out to the company with a notice asking for the debt validation and verification on XX/XX/XXXX, which they received XX/XX/XXXX. I did not here anything within 30 days so I sent out a XXXX notice opportunity to cure on XX/XX/XXXX, which they received on XX/XX/XXXX. Again, I didn't receive any response which triggered some stress relating symptoms with my body. I then sent out the XXXX Notice as a non compliant noticer on XX/XX/XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX they finally wrote me back referencing that they have received my complaint. On XX/XX/XXXX, they sent a letter via XXXX XXXX XXXX updating that they were returning my invalid payment. On XX/XX/XXXX, I mailed them the following. 
1. Initial Affidavit : XXXX & XXXX of XXXX 2. Notice of Dispute 3. 2nd Notice of Dispute : Opportunity to Cure 4. Non Compliance Notice 5. Drafted XXXX XXXX XXXX XXXX of XXXX 6. Drafted XXXX Tort Damage claim XXXX. XXXX XXXX. XXXX XXXX XXXX. Notification of XXXX XXXX XXXX. Hold XXXX and XXXX XXXX XXXX. XXXX Notice XXXX. XXXX Mail XXXX XXXX Receipts XXXX. XX/XX/XXXX XXXX from Chase XXXX. XX/XX/XXXX XXXX from Chase via XXXX XXXX XXXX XXXX. Drafted Criminal Complaint XXXX. Drafted Subpoena

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A check from my escrow account was issued by Rocket Mortgage Account # XXXX but not received my my Mortgage Company XXXX Policy XXXX. XXXX is going to Expire my Home Owners insurance due to nonpayment on XX/XX/2022 I have talked to Rocker Mortgage about this problem and have asked to stop payment on this lost check and issue a new check and was told that it was a bulk payment and could not be done. I need help with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I opened a credit card with Barclaycard Finance in XX/XX/2014 and I purchased a laptop from XXXX. In addition, I purchased little things over the last 18 months. I signed up for e-bills and I do n't use anything but their mobile application. When I log in to see my statements, there are no alerts or anything on their mobile application - just the transaction history. I called the other day and asked if I was on a 18 or 24 month promotional because I could n't remember and I had not received any alerts on the mobile site. When I called, she informed me that my promotional acctually expired and I am about get over {$700.00} in deferred interest. I asked how much of my balance was left and she informed my it was around {$1600.00}. My original purchase was about {$1600.00}. So, for 18 months, all my payments were going to the little purchases made instead of my promotional balances. The extra charges that I made on the credit card were no more than $ XXXX ( bare minimum finance charges that would bill ). I am highly upset by this. I would have rather the little $ XXXX {$5.00} finance charges billed than be billed over {$700.00}. I thought this type of payment hierarchy was against the law, guess not. I guess their take is - Better take care of the little finance charges and bill the customer the big deferred interest and ruin their credit as it will take them over their credit limit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are accounts in my report that are completely unknown to me. They are reporting inaccurate and outdated data that should not be on my report. They are violating my FCRA.

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 2023-03-28
Company: Westlake Services, LLC
State: TX
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:
XXXX ACCOUNT # XXXX XXXX HAS BEEN BEEN REPORTING INCORRECT INFORMATION REGARDING MY CREDIT SINCE XXXX XXXX. 

XXXX XXXX ACCOUNT # XXXX IS REPORTING INCORRECT INFORMATION FROM MY EMAIL THAT THIS ACCOUNT WAS CHARGED OFF OWNING {$0.00} BETWEEN ME & THIS CREDITOR AS OF XX/XX/2021. I HAVE EMAILS SHOWING THIS INFORMATION FOR BOTH INACCURACIES OF THESE REPORTINGS XXXX XXXX XXXX ACCOUNT # 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 2016-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i have disputed an item on experian for over a year, experian keeps on responding verified, updated etc. in fact they are reporting an item named XXXX XXXX which they report as transferred and sold to a comply called XXXX XXXX XXXX which i was unable to locate and is not registered with any agency as a valid legal collection or debt buyer, 1 ) XXXX never verified this account, to Experian, Experian is using old and outdated info on this item. 
2 ) i also sent a request to XXXX where they failed to validate this item. 
3 ) Experian refused to re-investigate the item which is a violation

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 2016-01-04
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have a 7 year fraud victim alert on my Equifax credit report any time I try to order a copy and the automated system wo n't send me a file disclosure it 's been a year and I have the rights to free copies to detect further fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: TX
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:
There are accounts in my report that are completely unknown to me. They are reporting inaccurate and outdated data that should not be on my report. They are violating my FCRA.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX, XXXX, and Experian are continuously adding items that were removed from my credit back on my report. In addition, inaccurate origin dates on a few accounts.

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 2016-03-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting ( XXXX ) Federal Tax Liens in the Public Record Section of my file. I have disputed the accounts as not belonging to me. I asked Equifax how they verified information and I was told that they confirmed or verified with the XXXX County Courthouse in XXXX. I called the XXXX County Courthouse and I was told by a clerk named XXXX that there was no record of Equifax contacting or speaking with anyone from the courthouse concerning verification of these alleged liens. I then contacted XXXX XXXX to request my file and XXXX XXXX reports show no tax liens on my file. My complaint is that is it that Equifax is verifying this information when the courthouse or XXXX XXXX show the contrary. I am requesting Equifax to delete these harmful and injurious notations on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
syncb/gap charged off my account for XXXX dollars while I had already paid XXXX this shows on my credit report and this is from 2010. They put a judgement on my record disabling me from getting a job without my knowledge. I had received a summon and responded to it in the mail that I paid this debt and closed the account. since the collections company is in business with the judge they still disregarded the letter and put the judgement. The collections company will not provide me with copies of statements showing that I paid what GAP wanted me to pay in order for me to close the account. They stated that I need an attorney to call them to get the records. Attornies do not call debt collectors. The debt collector is XXXX at XXXX and XXXX and I have received threatning calls from them stating that they will put a lien on my house. After further research I discovered that they have a court date to move this case to a different district which may be corrypt so they can further put a lien on my house. How can there crooked people get away with this - so GAP charged off XXXX then sold the debt to thes epeople plus made money on my XXXX which they will not disclose? This is outright fraud! So they are using my social security number and they will not send me my own statement, putting the legal system in front because they know that it is corrupt? I sent letter to GAP and Sync bank and noone will respond becaus ethey think that in front of a corrupt judge they can get away with pulling this off? The court records show that they are trying to move this to a different disctrict number XXXX. I talked to a XXXX at XXXX and I asked for the records and she stated that I need the attorney to call them for my records from 2010! ~ I want my GAP statements from 2010 showing my history and payments! My number is XXXX or e-mail XXXXXXXXXXXX XXXX name is 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 2022-11-16
Company: Experian Information Solutions Inc.
State: AL
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 submitted a complaint with the CFPB on XX/XX/2022 concerning a collections account on my credit report with XXXX XXXX XXXX and it is now XX/XX/2022 and I haven't received a response. According to the FCRA ( B ) Time of notice ( i ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. This is a violation of my rights as a consumer. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX nor its affiliate company XXXX XXXX XXXX XXXX XXXX not licensed to collect debt in the state of ALABAMA.

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