BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am being repeatedly harassed by Chrysler 's auto lease financing arm, known as Chrysler Capital, to pay money I do n't owe them. Repeated phone calls to them to get them to cease and desist work only for a couple of days, then the harassing phone calls and emails resume. 
They mistakenly calculated sales tax based on a jurisdiction that the car has never been garaged in or even driven to. I have sent in documentation, had repeated phone conversations with managers at Chrysler Capital, and this incredibly disorganized and mismanaged company just ca n't seem to fix the problem, so the dunning collection harassment continues. I have spent many, many hours and many phone calls trying to get them to stop harassing me for money I do n't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification for several months. I experienced a ligetimate financial hardship with the closing of my business after losing a major contract. I was denied a modification because I did n't make enough money. I worked really hard over the next 3 months to increase my salary and got XXXX jobs. Now I resubmitted my information with the new income I have. They are saying I 'm ineligible for re-entry and my home now has a sale date of XXXX/XXXX/16. I am also working with XXXX and they suggested I come to you.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2015-07-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chrysler Capital has an unethical, disorganized, and unreliable loan management system. Their interest is calculated in a ambiguous fashion as to confuse consumers and have them pay an exponential amount more. They are not transparent with their consumer 's money and where it is being allocated. I have always been on time with my payments, never faltering in sending the amount i owe, plus some more. Every time i send a check to be applied to my principal account i have to take precious time out of my day, to call them. Furthermore, their accounting department is not up to date, and take days to resolve issues pertaining to consumer 's money. Thus, this reflects when XXXX checks statements online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage has not exited us out of Covid Forbearance plan for 8 months now. We have sent hundreds and hundreds of documents that they requested but still no modification or even correspondence to advice us on exit. Now trying to Actively foreclose on our loan.

*2 online applications deleted early on in process along with all documents. XXXX, XXXX and XX/XX/2021 * Multiple over night packages with all documents sent. 
* Multiple Emails sent to Loss mitigation department, with No response from any Loss Mit. Supervisor on the situation. 
* Phone calls to Freedom mortgage every couple of days to check status with no resolution or misinformation given.

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 2020-10-06
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not own anything to this company, have never signed, picture xompany wont provide anything to testify it was me. I had no clue of this account and its affecting my credit really bad

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Open a new checking account with Regions account was opened on XXXX and make ACH deposit on same day. For unknown reason my Regions online access is block and ACH was return. I called their customer service help and they said there is fraud alert i just need go to branch to verified my ID to lift the block. Went to the branch and speak with manager there provide my ID and even sign and signature card agreement but after almost an hour later manager still cant get my account unblock. Called their customer service and also online banking department they all told me to go to branch to lift the block even i told them i have done that already manager cant get account unblock. At this point i feel if they dont want my business i am gladly take my money elsewhere but Regions want to charge me {$25.00} for closing account that is under 60 days of opening. I have done nothing wrong why should i pay the penalty for their incompetence. They are the one whom block online access and also return my ACH without any justification i want them to close the account without {$25.00} penalty fee.

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 2015-04-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I received a Green Tree Servicing letter stating that my home equity account was forgiven as part of the XXXX XXXX XXXX XXXX settlement. On page XXXX of the letter the last paragraph states, " we will report to the major credit bureaus that your account was paid and closed. '' The forgiveness has been processed. However I have spoken to Green Tree Servicing several times because they will not provide a letter that it has processed and they are saying they will not report that language to the credit agencies. They stated it in black and white on their own letter I didnt negotiate this language and now they need to honor what they stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Team Recovery has a collection on my credit report that is paid off and should be removed. Per debt pay off agreement, Team Recovery did not remove the negative derogatory collection debt info from all XXXX credit reporting agencies after account was settled. I called them many times about them to be fair and remove the collection and they never did. Now, Team Recovery is continuing to report to collection bureau every month as if it is n't paid and is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I 'm paying a 29.9 interest rate on my vehicle. In other words, I 've paid XXXX towards it and the amount I owe has only gone down by XXXX. They refuse to give me documents on any of this since I 've looked into an attorney. This is in North Carolina where North Carolina interest rate laws set the maximum rate at 8 percent. My loan is through Santander consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a XXXX in XX/XX/XXXX. had XXXX followed by XXXX & XXXX. By the time I was released to go back home some of the bills had already gone past due and were sent to collections. I have been fighting since then to get everything paid and my credit repaired. All that has been done except with Grant and Weber in XXXX, Ca. They refuse to give me an accounting and I wo n't pay until they do ( it 's about {$200.00} ) .But I am extremely unhappy with the unprofessional way they do business and resent my letter to them ( Certified ) and reported them to the California Bureau of Consumer Affairs XXXX They in turn referred me to the FTC who referred me to you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response.In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to know how long my lender has to provide me with a reaffirmation agreement and complete the reaffirmation process. I filed for bankruptcy ( chapter XXXX ) on XXXX/XXXX/2016. My meeting w creditors was set for XXXX/XXXX/16. Prior to this date my auto lender had sent my reaffirmation paperwork and I took care of that with them. My credit meeting came and went with no information from DiTech on my current mortgage. I inquired with my attorney as to what I needed to do. They told me they were in contact with DiTech and we should have it prior to my discharge date of XXXX/XXXX/2016. I inquired several more times before this date and they had n't provided anything. They had told my attorney that they had already sent it, that they would resend that week, another inquiry a week or more later and they are waiting on approval .... But wait you said you sent it weeks ago??? 
I have now extended my discharge twice and nothing has been sent. In all this time, I have never missed or never been 30 days late with my monthly payment. 
My attorney emailed me today that their latest update is that DiTech 's attorney is in possession of the agreement but is awaiting their approval to send it. 
At what point are they required to do their job and provide me ( their paying customer ) with the information I need in a timely manner? I would think 30 days but we are approaching 5 months.

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 2015-10-01
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I challenge the adverse account designation of Santandar and its predecessor, XXXX XXXX XXXX, on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by XXXX. XXXX violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but XXXX transferred the account to SANTANDAR, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had called XXXX and was informed that they were transferring the account to SANTANDER CONSUMER USA and that their computer system had problems in the transfer during the months of XXXX, XXXX and XX/XX/XXXX. 

XXXX indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when XXXX transferred their accounting files to their new partner, SANTANDER. 


SANTANDER CONSUMER USA ( Herein " SAN '' ) took over the account of XXXX overseas and with the transfer came a host of problems. New rules and dates for payment were instituted which were not conducive to my payment schedule. I provided for extra funds to be in my account to accommodate the transfer of account by SAN from XXXX. Problems occurred when unauthorized and untimely electronic withdrawals were taken without my consent, as they were not scheduled deposits I had arranged and agreed to. 

These unauthorized and untimely payments were taken on the following dates:XX/XX/XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: NEW YORK COMMUNITY BANK
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home suffered a loss due to flooding on XX/XX/2016. My home is covered under a flood insurance policy from FEMA. NYCB is the secondary lien holder on the property and the total loan as approximately {$38000.00}. The claim for structural damage alone is in excess of {$61000.00}. On XX/XX/XXXX, a check was issued by FEMA as an advance payment to assist with paying contractors for demolition, dry out and repairs. The Check was made out to myself, my wife, XXXX XXXX as the primary lien holder and AMTrust Bank as the secondary lien holder. On XX/XX/XXXX, my wife and I went to a local branch of XXXX XXXX and the bank manager endorsed the check immediately. After that we immediately went to a local branch of AMTrust Bank of which NYCB is a subsidiary. We were informed that this would have to go their loss department by 1st class mail. A follow-up phone call was made on XX/XX/XXXX and at first it was explained that their loss department would have to review the claim and send out inspectors for the work before they would issue a check. I explained to the customer service representative that NYCB was n't issuing a check and that the claim is not with their bank, it is with FEMA who I am dealing with directly. After about 15 minutes of explaining that all I needed was their endorsement of the check, I was told that as the secondary lien holder, NYCB did not need to go through the lengthy process and would simply endorse it and send it back. The check has not arrived as of XXXX, and I am looking at liens being placed on my property from the cleanup company this week. A phone call to NYCB went to a voice mail system. My concern is that this lender is unreasonably holding onto a check that they are the forth signator on. I am especially concerned when the balance of the funds from FEMA arrive. My house is a complete wreck and hardly livable, yet this financial institution seems unwilling and uninterested in addresses these real concerns. I have had to slow down the course of work significantly due to the delay from this lender. They should simply be able to endorse the check as XXXX XXXX did and send it back to me without unreasonable delay. I am hoping to work through this claim as quickly as possible to get back a home after my loss from XX/XX/XXXX. FEMA 's adjuster is handling the claim and responsible for inspections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I have not been late on my mortgage in four years.I check my credit and Ocwen is saying that I am XXXX behind and have not made a payment in 3. months They say I owe XXXX.My credit score dropped horribly.I only owe XXXX.They more or less told me it was my problem They say they show me current but it is on my credit.This is only one of the many ways they have made my life a living XXXX.They have XXXX me out of thousands of dollars over the years.I would like to see something done to them.I am afraid they are goung to try to foreclose on me.They sent a notice to the Making Home afordable company stating I was behind but I 'm not.Not sure what to do now.Please please help me.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Benuck & Rainey, Inc.
State: NY
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:
Original creditor : XXXX, XXXX. 
False account balance : {$59.00} XXXX has been harassing me about this bill of {$59.00} for a while, the reason I have not responded to them is because they actually OWE ME MONEY. The original amount they had charged me was more than the above amount of {$59.00}. I paid them the original amount a while ago, and have the bank check reference to prove it. 

Previous to my paying that bill, I had talked to one of their reps ( XXXX , XXXX ) on the phone and he said he would discount the cost. I waited a while without receiving the discounted charge and decided to go ahead and pay the original amount. Even after I paid the original bill, a new REDUCED bill has been continually sent to me from XXXX XXXX. 

XXXX XXXX has since used XXXX XXXX ( debt collector ) to try to collect from me. I contacted XXXX XXXX and the collection stopped. However, I just received today another collection mail from XXXX XXXX XXXX , XXXX in NH for {$59.00} ( not sure why there 's a XXXX cents difference ). 

At this point I do n't even care about the money XXXX owes me, I would this like the collection requests for this to stop once and for all. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I called Santander on XXXX/XXXX/2016 auto loan company and ask them to come and pick up my car, I no longer can afford the payments, I gave them my address of where the car is, which is my home address for over XXXX years and to please call before they come to the house so I can open my gates. But instead they sent an text blast to my past employer including all my friends and family. People called me because they thought I was in trouble with the law This was very embarrasing because this is my personal business information and this is predatory collection practices. SEE STATEMENT BELOW : " Hello, I am trying to reach XXXX XXXX. Please contact me today regarding file # XXXX. Thank you, Investigator XXXX XXXX ( XXXX ) XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Information belongs to someone else

Complaint:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc XXXX XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXXXXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency

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 2016-12-06
Company: Money Now- Hattiesburg, Inc.
State: KY
Product: Payday loan
Issue: Can't contact lender

Complaint:
Just recently started receiving threatening letters from Money Now. I have called the store on XXXX XXXX several times and left voicemails for the manager and also asked that they provide date/proof of debt ( mail to me ). No call backs and no proof. Money Now recently sent me an even more threatening letter. I am attaching all for your review. I believe they are over any KY statute of limitation timeframe to collect this alleged debt and/or are outside their mandates legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed