BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
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 XXXX XXXX went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 which a finance charge was involved. 15 USC 1605 defines a finance charge the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Chrysler Capital took cash. The finance charge is suppose to include insurance, but Chrysler Capital made me purchase insurance separately. The finance charge for this consumer credit transaction was {$7700.00} and Chrysler Capital charged {$43000.00} which is fraudulent. Chrysler Capital also didn't give me a right to rescind and under Truth in Lending thats a violation of 15 USC 1635. Chrysler Capital also sent someone to my residence to pick up the vehicle which is theft and sold it for {$19000.00} even though the finance charge was paid. Chrysler Capital took it a step further and sold my account to a 3rd party debt collector and placed negatives remarks on my consumer reports. Now I have a some debt collector who I've never done any business with is harassing me by mail and they too have placed negative remarks on my consumer report which is a violation according to the FDCPA. With the actions of Chrysler Capital it has really been a burden on me to provide for my family because I am being denied a right to credit from the negative remarks from Chrysler Capital.Chrysler Capital sold the account and continues to report it on my consumer report. I loss my business because the property Chrysler Capital took was a XXXX  vehicle which ruined my income and the stability of my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/2019 My wife was contacted, they proceeded to provide her my SSN so she could verify she knew me, instead of asking her to tell them my last 4 of my SSN, after that they proceeded to goad her by threatening to have us arrested, thrown in jail, seize our licenses, and take away all of our property. When she attempted to explain she isn't a party to this debt as it was accquired 6 years before we got married they told her it doesn't matter, Texas is a community property state and she is guilty of my crimes and she will be punished along with me. I had to give my wife XXXX  last night as she is a XXXX patient and they way they spoke to her made her nearly go into XXXX  XXXX. 

XX/XX/2019 I was contacted originally by this debt collector and informed that it was a federal student loan, which i checked and verified it was not possible with the DOE, I did not have a federal student loan and could not owe on one. I was promptly informed that the government doesn't know what it's talking about and if I don't pay they will take my licenses, my bank accounts, have me arrested, and ensure i can never get another job again by making sure it was known I was a thief. I was told they did not have to provide proof of debt owed because i should have kept paperwork from 10 years ago about a debt I was told I don't need to worry about when the school got shut down by the DOE. I was informed they would be sure to laugh at me in their office for arguing with them and telling them its not a federal student loan. I was pressured into handing them finical information which i promptly canceled, i only provided a debit card to be charged at a later date to get the phone calls to stop.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The account for XXXX XXXX is reporting as 30 days late. I have never been late on this account. I have called and written in several times concerning this matter. It hasn't been rectified as of yet. The date it is reporting late is XX/XX/2021. It was removed before, then placed back onto my report. XXXX has removed it permanently.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX has filed fraudulent information on my credit report which showed up on TransUnion. Transunion has been notified and a dispute filed on XX/XX/XXXX.
They reported on XX/XX/XXXX a " new bankruptcy-XXXX XXXX/XXXX '' This account was paid on XXXX/14 and included in a bankrupty filing back in XXXX. Upon reviewing my XXXX XXXX report, XXXX XXXX falsifying information and reporting actions to Transunion resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of Transunion and 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 2017-07-25
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 consolidated my loans with Navient and have spoken with several customer service reps regarding my student loan repayment plan. I have been working for a Non Profit organization for almost 6 years. I told them that i would like to ensure that whatever repayment program I am placed on qualifies me for loan forgiveness based on the fact that I work for a non profit organization. I was very angry to eventually realize that Navient does not do the loan forgiveness program and that my loans will have to be signed over to XXXX XXXX and I had to be on an IBR repayment in order for my payments to be counted as qualifying payments. Navient placed me on a standard repayment plan, which I have called several times asking if this repayment program qualifies me for loan forgiveness through my employer and I was told yes. Through my own research I realized this was not the case, unfortunately not until late last year. I had my loans transferred to XXXX, only to be told that none of my payments that I have made to Navient for the past 5 years will be counted towards my loan forgiveness period!!! I am very upset that my 10 year calculation just started in XXXX of 2016! I will not be getting credit for 4 years of on time payment! Navient id a rip off and was only concerned about my payments which may I add was almost double what I am paying now in a qualifying program. They need to be held accountable for jeopardizing my loan forgiveness period and ripping me off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: FL
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:
Equifax Inc, is keeping my consumer credit report information XXXX ; it's an unjust system. This is predatory and XXXX, as it prevents me from verifying the accuracy of my consumer report. 
I was able to verify inaccurate information on my credit report, and I immediately began the process of contacting the Equifax Inc, in order to have this issue resolved. The unfortunate reality is that I never received a response. I sent letters at least 5 times and had no response or interaction. I'm getting quite annoyed at this point because I'm still waiting for a response from Equifax. 
I had contacted your firm previously. I'm a normal person who is also a consumer and a creditor. 
My consumer report contains an error, I have the legal authority to ask Equifax which report my consumer reports under the FCRA. I called Equifax over ten times in the last seven months, requesting an updated full summary of my credit history to ensure everything was reporting correctly. Despite multiple verification processes such as ( Name, DOB, SSN, address accounts that I have ) and the Rep even sending me a text massage codes to my phone number that I also verified, she still couldn't tell me why i wasnt able to view my full consumer report .... i've sent Equifax my identification and proof of address along with a copy of my ssn via mail and fax, i never got a response back from they company...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Alabama Housing Finance Authority
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: Information belongs to someone else

Complaint:
XX/XX/2022 XXXX bills XXXX XXXX XXXX to care of address| {$22000.00} + principal balance {$74000.00} XX/XX/2022 submitted XXXX through IRS to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt XX/XX/2022 IRS accepted amount and instated transfer of credits XX/XX/202XXXX XXXX Department for XXXX  calls & emails for further clarification on XXXX process- sent to Counsel Legal XX/XX/2022 Foreclosure Supervisor XXXX XXXX rejected the XXXX payment of XXXX and threatens to begin the foreclosure contract Also, See Attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I was offered an opportunity to be enrolled in 60 month pay off program. Due to hardship on XX/XX/XXXX I contacted the Customer Solution Team/Advocate at XXXX XXXX XXXX. After speaking to an associate, it was determined that I only qualified for the 12 months hardship program. I would be paying {$80.00}, the account would be suspended for the 12 months, I would n't accrue interest for the 12 months, I would not be charged interest for the 12 months, and it would n't affect my credit. On XX/XX/XXXX, after checking my credit, it turns out that I had loss 110 credit point because someone at XXXX XXXX XXXX  decided to report my account as late pass due 30-59 days even though I was in the hardship program. I was promised by 2 supervisors that my credit would not be affect in any way. I called XXXX XXXX XXXX to have an associate to help resolve me issue but all they wanted was for me to pay the pass due regardless of my being in the hardship program. I requested to speak with a supervisor, but they just continued to pass me off to an associate. The sixth associate XXXX XXXX XXXX ( ID # XXXX ) claim to be an acting supervisor for the day told me that I was no long on the Hardship program because XXXX . XXXX XXXX ( ID # XXXX ) another associate, decided to terminate my hardship account based on his review of my account. He felt that its better for me to continue paying off my account as it was before my enrollment into the hardship program, because I would be paying less interest. But I was never informed or given the opportunity to make that decision. The associate that enrolled me in the hardship program was XXXX XXXX XXXX ( ID # XXXX ). On XX/XX/XXXX and XX/XX/XXXX a  payment into the program were made of {$80.00} ea.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had a FICO score for several years now that ranges between XXXX - XXXX. These are the scores provided by XXXX, XXXX, XXXX, XXXX, XXXX and until just recently, Experian. On XXXX my Experian score was XXXX, on XXXX I was notified by email that my Experian score had dropped XXXX points to XXXX. A XXXX p [ oint drop is significant. I went on line and checked all of my usual sources for my FICO scores and they were all in the XXXX. 

On XXXX I contacted Experian ( via phone ) to inquirer as to why only they had significantly reduced my FICO score. I was informed that they could not provide a reason for the FICO score change but said that they would send me a complte credit report for my review. On XXXX I received and throughly reviewed the Experian credit report. There were absolutely ZERO negatives and conversely, there were all positive comments regarding my credit history. 

On XXXX I contacted Experian again regarding the credit report data that was provided to me. They again, stated that there was nothing that they could do in terms of providing support/insights into the drop of XXXX points in my FICO score. XXXX, I subsequently checked all XXXX of the other primary sources for my FICO score and found that none of them had changed from the XXXX - XXXX range that was reported back on XXXX. 

In my view, Experian has seriously impacted my FICO score but is totally unwilling to provide any basis for the negative change. I find it very difficult to understand how a credit rating company can be afforded the responsibility to manage an individual 's credit score without in turn being held accountable for their actions in that regatrd

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 2019-12-31
Company: Ability Recovery Services, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a {$350.00} debt appeared on my credit report from Ability Recovery. I contacted the debt collector explain that I did not owe this debt as I was a XXXX  patient and the originator of the debt was a hospital who had my XXXX  information on file. Ability Recovery refused to help resolve this issue. As such, I contacted the hospital billing department and was advised they no longer had information regarding the debt so I contacted the phone number on the back of my XXXX  card ( XXXX  ) and explained the situation. The representative from XXXX/XXXX  confirmed that I was covered by XXXX/XXXX  on the date in question and instructed me to write a letter to XXXX XXXX explaining the situation and attach the information regarding the medical bill so that it could be researched. XXXX XXXX determined that on the date of service XX/XX/XXXX I was a CT XXXX XXXX XXXX recipient and that the provider in question was enrolled in CT XXXX. XXXX XXXX indicated in their response that the provider has been contacted and advised that they can not balance bill a CT XXXX  recipient. I submitted the response from XXXX XXXX to the debt collector and filed a dispute with the credit bureaus, but all that happened is the debt collector confirmed a debt that I can not legally be billed. I am attempting to prepare for a house purchase and want this debt that I do not owe off of 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 2022-05-03
Company: Experian Information Solutions Inc.
State: NC
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 XXXXXXXX XXXX  Account # XXXX, Address XXXX XXXX XXXX XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2017-07-25
Company: JPMORGAN CHASE & CO.
State: RI
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:
Back at the beginning of XXXX I had a credit related issue dealing with JP Morgan Chase, after weeks of dealing with people who could n't give me any answers I finally was brought to someone in the executive office who was wonderful and willing to help in any way possible within her guidelines. I needed to resolve a late that was on my report, XXXX 2017, reported late on my credit report because there was a {$30.00} balance I was completely unaware of. Once this was brought to my attention it was immediately paid but to rectify the credit issue the representative from the XXXX reallocated my XXXX payment on XXXX XXXX so it reflected in XXXX which would take care of the late on my credit. When this was done, I did not realize it would take the entire XXXX payment and apply it to XXXX, I thought this would take just the payment necessary to cover that {$30.00} I was unaware of, so I just had the credit repulled and though the XXXX ( XXXX payment ) late was removed, now I have a XXXX late ( XXXX payment ) because my full XXXX payment was taken and applied to XXXX. I 'm not sure how we go about resolving this but I lost the house I was under contract on because of the XXXX late. After fixing the errors and having 3 letters from the executive office stating the late would be removed, when the credit bureaus called to verify they were told not to take the late off, we lost the house and I had to get everyone in touch with the correct people to verify and clarify the miscommunications going on. We are under contract on another house and will lose this one as well if this does n't get resolved. It is important for me to note that Chase reports for the prior month of payment. For example, they report on the XXXX of every month, so my XXXX credit report is a reflection of my XXXX payment. My XXXX XXXX credit report will be the report of my XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to resolve a loan with Peoples United regarding a past due loan. I sent in payments but they will not reinstate, apply the payment, or accept a settlement. loan officers name is XXXX XXXX XXXX Peoples united XXXX XXXX XXXX XXXX ma. I had a very good interest only loan program around 4 % that they would not renew. I dont know why i had a great repayment history. Then they forced me to take a higher fixed term loan at 7.5 %.. I fell behind on the payments, and they would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: GA
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:
The account for XXXX XXXX is reporting as 30 days late. I have never been late on this account. I have called and written in several times concerning this matter. It hasn't been rectified as of yet. The date it is reporting late is XX/XX/2021. It was removed before, then placed back onto my report. XXXX has removed it permanently.

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