BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: WI
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:
Registered for an account with Experian ( https : //www.usa.experian.com ) on XX/XX/2022. Had loads of trouble signing into the account, it claimed my freshly created username/ password was invalid. ( I'm a lifelong IT nerd, I know how to create accounts & record credentials accurately ). Had to reset password multiple times until site let me login finally, upon which I was met with an error claiming more information was needed to verify my identity & I needed to call XXXX -- XXXX. Calling that number leads to a recording for which there are no options to reach a human ( I tried in excess of 15 calls, went through every option available, including unlisted options like 0 ). Every option sends users into a repeating loop, with recordings directing users right back to the login page where there is no option to fix this issue. 
This is a well known tactic used by these crooks, often called " dark patterns '', where they make real help impossible to obtain & attempt to trap users in closed circles as described above, hoping to frustrate them into not complaining or pursuing the issue they're attempting to. 

I can not login to Experian, have no options to reach anyone on the phone, and therefore are unable to dispute fraudulent information they have on my 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 2023-07-21
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a couple of calls that I owe money for two appts at different health agencies, I asked for proof the debts are mine. I was then hospitalized and when discharged was served a summons to appear to a " Request for default '' hearing. I called Merchant 's Association and said I would pay the debt but I wanted them to send me proof that I owe the debt because I do not recognize the name of the XXXX clinics they say I owe the debt for. I have not received proof as of yet. Now I have received another " Notice of intent to request default judgment '' which says I have 10 days to respond. I logged into the XXXX XXXX XXXX XXXX efiling system to look up the case number on the summons and the case number does not exist. Today I sent ( via fax and certified mail ) a letter again requesting proof that I owe these debts so that I can reconcile them with my health insurance company to make sure they are my debts, they were billed and processed correctly ( if at all ), and pay what I owe if legitimate.

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 2019-07-24
Company: TrueAccord Corp.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/19 I received an emailed from TrueAccord advising that the email was a communication from a debt collector and was an attempt to collect a debt for money owed to creditor, XXXX, XXXX in the amount of {$920.00}. I have never obtained a credit card and/or loan from XXXX, XXXX and advised that I was a victim of identity fraud and believed this to be included in same ; therefore I disputed the debt on a fraudulent basis. On XX/XX/19 I receive a second email advising of my " 30 day payment plan option ''. I never sleeted this option and continued to dispute the validity of the debt. On XX/XX/19 I received a third email that stated, " We'd like to discuss solutions for your outstanding balance of {$920.00} with XXXX , XXXX but need to hear from you. Please reply to this email or call XXXX to speak with one of our agents. '' I called the designated phone number and initiated what appeared to be a new depute. Therefore, on XX/XX/2019 I received a fourth email that indicated I against have an oustanding balance of $ XXXXand  that True Accord continued to work with XXXX, XXXX to help resolve this outstanding balance. I continue to dispute this debt and have no further information because I did not obtain and/or apply for this type of loan financing. TrueAccord continues to attempt to collect on this debt and ignores the Identity Theft Affidavit provided to them which I previously field with the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received three repeated calls from ( XXXX ) XXXX, disturbing my peace, from an apparent spoofed number in Massachusetts with my same area code. The first call was on XX/XX/2023, at XXXX XXXX  and I did not answer nor the caller left a voice message. The second call was on XX/XX/2023, at XXXX XXXX, which I did not answer, nor the caller left a voice message. Apparently, the caller was not satisfied with no receiving answers from me and called a third time on XX/XX/2023, at XXXX XXXX, disrupting an important phone conference that I was having. 

I called back several times to inquire the reasons of the repeated calls. The representatives identified the company merely as MAB, a personal matters corporation, providing vague descriptions of what supposed personal matters the company addresses, and asking for an unknown person. Finally, one representative identified the company as Mercantile Adjustment Bureau, located in the state of New York, without disclosing that it was a debt collection agency. I asked why they were calling me from a phone number with my same area code and the representative denied calling my number. 

I am still investigating what business Mercantile Adjustment Bureau has in Massachusetts and if they provide services to any of my former creditors, which I all included in my XXXX XXXX bankruptcy petition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: URS Holding, LLC
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company set me up on a rehab plan I set up 9 payments that was the criteria. I also had to send them copies of paystubs and a bill 3 times I met my part of what they asked. They are a year later calling saying I didnt make all my payments which I did I gave them my account info and approved the 9 payments they advised were required. I also faxed and mailed the documents they asked for. They are now calling me at minimum 5 times a day saying I have to restart the program because I missed payments which i could not have I gave me info and authorized them to take the payments and they did. I dont feel its fair to me trying to get my loans back on track that they drop the ball and dont follow through on their part and now I have to restart the whole process. This seems very shady and I dont agree when I say Im at work I cant talk now they call and call I will loss my job and they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I recently ran into a issue with making payments with Santander consumer. I fell behind making my payments but have been making a payment none the less. I explained to them that the reason was for a change in work schedule, medical, as well as a problem with my financial institution blocking my payments. I was initially advised by a representative that I didnt meet the requirements for an extension. I was told that I would have had to been making payments for five months. I have made the number of the payments that I was advised but I am still being denied. Today XX/XX/XXXX I received a email that stated based upon a review of my account it appears that we may be able to offer assistance but we need to speak with you to discuss these options. I contacted them and spoke with two different representatives. The first representative was with their customer service team who said that I would be eligible for a one or two month extension. The second representative I spoke with was with their assistance team. She asked a series of questions then advised me that I wasnt eligible because I had to have a payment history of eight months. Over the past few months I have talked to several different representatives and each time the timeline changes regarding getting an extension. Its beyond frustrating dealing with some of the representatives from this company. They give you wrong information and dont listen very well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a letter to Chrysler Capital to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Chrysler Capital to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/2019 I sent a letter to Discover Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Discover Financial Services to pull my credit on XXXX/XXXX/19, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX  as of XXXX/XXXX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Lennar Financial Services, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Im relocation to XXXX I got transferred from my employer the home was XXXX and they told me it will be putting XXXX down and XXXX week ago the walk was today XX/XX/2023 and now they change the whole contract and change all in the contract and how they asking me for XXXX down XXXX weeks ago i star telling my employer about the transfer so do transfer its all easy done plus I all ready cancel all utilities and all my staff at XXXX XXXX  where I was relocation from XXXX to XXXX cancel my apartment ext ext down payment on FHA was XXXX first time buyer now its up to almos 7 % a week from closing forcing me to give XXXX down a week from closing plus we give XXXX down now they telling me the XXXX I dont get if dont keep going forward I have all doc we sign XXXX weeks and how they change the whole contract a week form closing and there its even more extreme issues I feel home less I was so happy thats we where able to get a home but now Im XXXX  and XXXX  hoping you help ups me and my husband we are a XXXX merry couple and now I been we been fore to give XXXX XXXX down plus going on loops they been miss informing and decriminate making pay more and every single uspect including no counting by hasband income but asking for all his info evening there not wanted to count his income! I make XXXX grand yeah hasband XXXX can you please help us

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL 3 CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.

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 2022-01-31
Company: NAVY FEDERAL CREDIT UNION
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:
I contacted Navy Federal Credit Union on this afternoon regarding the information on my credit report. I had a bad history with the financial institution but paid off a past due credit card in addition to a closed checking account as of recent. They allowed me to open not only a new checking account but also a business checking account. My credit score with XXXX is a over XXXX, with XXXX my score was nearly XXXX & my XXXX score is almost XXXX. On today, Navy Federal reported negative & inaccurate information which dropped my XXXX score nearly XXXX points, I was told by them to contact XXXX & they were no help either. I want this paid tradeline removed from my report altogether because its been showing derogatory on my report since the account was paid in full back in 2020. Navy is also negatively reporting a hard inquiry on my credit for an auto loan pre approval that shouldnt have been a hard pull, I received an email back saying that they wouldnt update the information. If this keeps up then I may need to contact my attorney to get this information deleted from my reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Upstart Holdings, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
On XX/XX/XXXX around noon time I made a phone call to Rising upstart bank concerning a letter for repo on my vehicle. At the time we discussed a prior payment on XX/XX/XXXX and the total amount due to avoid the letter of repossession going into affect. Their agent told me all I need to do was make another payment and to total the amount requested on the letter of repossession. I went ahead and explained itd be hard for me to make that payment which was needed to be submitted before Tuesday the XXXX of XXXX. He assured me that if I could make that payment the truck wouldnt go up for repossession and all I would have to do is make up the current payment. I did everything possible to make enough money from the XXXX to the XXXX to be able to make that payment. The XXXX of XXXX I made the payment online and tried to contact the company for confirmation. I reached out on Saturday the XXXX via phone call multiple times with no prevail as I was calling with in the hours suggested by their voicemail. I reached out once again on Monday the XXXX to get sent straight to voicemail. Finally I reach back out on Tuesday the XXXX which conveniently was the final day on the repossession letter and I get a new agent on the line. As we go through the process of confirming I am the account holder I finally get to explain to the agent the situation and what the previous agent told me. When I asked if that information was correct I was told that the previous agent was incorrect and that my vehicle after XXXX that day would go up for repossession if I didnt pay an additional amount of money they were requesting. I asked if there was something they can do since the agent before them made a mistake and that I was unaware of this issue since the lack in of communication lasted 2 business day. They basically told me Im out of luck and that if I didnt make the payment that Tuesday the XXXX Id be losing my vehicle after that day. I asked if an exception could be made since I was misinformed by the previous agent and I could make the payment at the end of the month plus next months payment. I was then told again that I was out of luck since the prior agent didnt completely understand the situation. We then escalated the situation and after an hour on the phone I was then told that there was nothing they could do for me. 
Till today all Ive received were emails explaining that their escalation team takes 5-7 days to investigate and that I needed to make a payment today XX/XX/XXXX for them to be able to put the vehicle repo team on hold but since I had a payment scheduled for tomorrow XX/XX/XXXX they wouldnt be able to hold them today till tomorrow they would be able to hold it. 
Ive lost sleep and have dealt with more stress these passed few days dealing with them than I ever have before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have contacted the attorney general to schedule an arbitration meeting due to the neglect of my civil rights and violation of multiple laws, why are they holding my unemployment funds for 3 years now with no explanation even after sending proof they have still not unlocked my account so I can withdraw my funds they keep making excuses to why they have not released my funds even after waiting multiple 180 days policy periods this is ridiculous and enough is enough according to the government PayPal is not a bank institution so why are they acting as if they are they need to release my funds immediately arbitration will be set against PayPal immediately if result of complaint is not resolved immediately after opening from cfpb, PayPal has repeatedly violated the law and my civil rights by keeping my unemployment money that is rightfully mine I have sent proof multiple times of this as well and they still have not gave me my funds enough is enough it has been 3 years the account number is XXXX my email on file is incorrect all communication shall be directed to XXXX or call me at XXXX and email before you call copy of statement below regarding money they have stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, a woman from XXXX XXXX called and threatened to sue me for a debt that is almost 7 years old. At that point, I had no idea about the debt and confirmed it over the phone. Seeing that debt did belong to me over a CFPB complaint, even though I asked for a prior explanation. I have since received countless emails asking for payment through a portal and even still receive calls from them in the wee hours of the morning or around the time it is designated as " bedtime. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank 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 2023-09-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My wallet was stolen out of my car awhile back. I immediately reported it to the police once I found out. I believe I could be a victim of identity theft as I had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle.

Company response to consumer: Closed with explanation