BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-22
Company: RateGenius Loan Services Inc
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Responded to an ad for car refinancing and the company Rate Genius made several hard inquiries effecting my credit score without my knowledge or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Equitable Acceptance Corp
State: TN
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 received a random phone call and was told this company Equitable Acceptance could give me complete student loan forgivness if I paid them {$42.00} for 14 months. This would be the only payment I would have to make instead of several student loans. They told me I had 48 hours to make my mind up. I made the mistake of giving them my banking information and thought they would help me. Turns out the information they gave me was false. I got a real student loan bill form XXXX and wondered why I had to pay them as well. I called XXXX and they advised me I had been given false information and was in a scam and needed to call my bank. I changed my account number and the bank said they have saw this all before. I also called Equitable Acceptance and they told me I had to either pay {$42.00} a month for 4 years or pay {$600.00} within 3 days or I would be sued. This is a scam and I think it is disguisting. I want nothing to do with Equitable Acceptance. They prey on the poor middle class who paid thru school. I have enclosed the bank slip where they took the {$42.00} out on XXXX/XXXX/XXXX and it was even called a loan payment.This is a fraudulent company for sure. I want them out of my life. I gave personal information to a scam company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account was not being paid by my ex. I have taken over payments and have brought it up to date. This company is impossible to deal with. Every time I have contacted them to try to get things fixed all I hear is that they cant help. I have requested for them to update my credit report and they refuse to update my credit report. They just keep saying we have to file a complaint with the credit reporting company to get it fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital One Auto Finance claims that I owe them money for a car loan that I never applied for. I have disputed this issue several times. I also asked them to send me verification of this debt. I have not received anything. The address they have on file is not my address. I have never lived at the address they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX, XXXX, XXXX PM, I took a check in the amount of {$1500.00} to Chase Bank in XXXX XXXX, XXXX to be deposit into an existing CD. The Bank teller who filled out the deposit slip entered the check for {$15.00} instead of {$1500.00}. Immediately the following day when the Bank opened I went back to Chase Bank to report the Teller 's mistake. I was told that the Teller 's error would be corrected. 
Two months later, XXXX XXXX, XXXX Chase Bank withdrew {$1500.00} XXXX {$1500.00} amount of check for deposit minus {$15.00} enter by Teller ) from my CD. 

At this point Chase Bank tried to coverup their error, and told me the check was submitted several times and there was n't funds. What they failed to tell me was that check went through for the wrong amount of {$15.00} entered by the Chase Teller, therefore could not go through again for the correct amount of {$1500.00}. I only found out the truth by going to the bank where the check originated from. 

To make matters worse, they continued with their coverup by telling me that the original check would be sent back to me and I could take it to the Bank where the check originated. For over a month I waited, continued to go into the Bank, and got a complete run around. Getting the check back was never going to solve the problem and never came. 

The writer of the check is a XXXX man with limited XXXX. He has not responded to my request to correct the Bank 's error. I do n't feel I should have to hire an attorney to recover the money Chase Bank deducted from my account. This was certainly not my fault. The XXXX not only entered the amount wrong on a hand written deposit slip, but also keyed it in for the wrong amount. Perhaps Chase Bank thinks that they can keep putting me off and because of XXXX XXXX XXXX XXXX XXXX I will just let it go. 

Chase Bank needs to own up to the mistake of their Teller and put back the {$1500.00} they deducted from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I emailed XXXX XXXX XXXX on XX/XX/XXXX about a duplicate payment deducted from my XXXX account in XX/XX/XXXX. XXXX XXXX XXXX responded with a message to me on XX/XX/XXXX, stating that the balance due on my XXXX account is {$18.00} on the due date XX/XX/XXXX and I still have to make a payment. I then contacted XXXX XXXX XXXX and spoke to two Customer Care Representatives. Both XXXX XXXX and XXXX XXXX explained to me, that I scheduled pre payments with another representative on XX/XX/XXXX to  deduct {$10.00} from my XXXX account on the XXXX of every month ; XX/XX/XXXX- XX/XX/XXXX. I then informed the representatives, that they should have paid more attention, for I made a payment in person at the XXXX XXXX XXXX store on XX/XX/XXXX in the amount of {$10.00}. Both representatives did say that they saw the payment being received on that day. However, they are not able to reverse the payment deducted from my account to their system. I then stated to the representatives that this is an unauthorized charge without me knowing until after the payment was done. I requested a refund back to my XXXX account and the representatives refused to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Report shows XXXX hard inquiries where only XXXX are valid. ( does not show on XXXX ) XXXX XXXX XXXX in a week due to their own error losing my account information. Should be XXXX valid inquiry only. <P/>XXXX XXXX shows XXXX inquiries on same day for same service. A duplication that should appear as only XXXX valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.

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 2019-06-22
Company: Patient Accounting Service Center
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have written to ARStrat on several occasions, as well as Creditor XXXX  XXXX XXXX Account XXXX. ( 1 ) giving proof this is not my debt. ( 2 ) as per divorce decree, daughter 's medical is responsibility of EX husband. ( 3 ) I eventually paid the debt since the company refused all attempts and proof otherwise. Attached is my returned check. Enclosed is my payment. Attached is Court ordered and approved ex husband was to pay medical for daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased services through XXXX from a merchant on XX/XX/2019 using my Citibank credit card in the total amount of {$4100.00}. The cost of the service was {$4000.00} and XXXX charged a {$110.00} fee. The merchant was unable to fulfill the services so I opened a dispute with Citibank on XX/XX/2019. I sent in documentation proving the merchant did not fulfill services and blocked me from communication, but Citibank stated there was nothing they could do even though I provided proof.

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 2020-09-08
Company: General Motors Financial Company, Inc.
State: NE
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:
In XX/XX/2020, I turned in a leased vehicle to GM Financial as the lease was up. A final bill for the disposition fee was not sent to us for a few months, which we received in XX/XX/2020. I called GM to see if we were able to make payments on it instead of paying in full as that is what we have done with those fees previously. The agent said absolutely, no problem. It is now showing as a late payment on my credit report. I was NEVER told that it would be reported on my credit report as a late payment if I didn't pay in full, so why would the agent falsify that it was ok to make payments on it? In addition, GM has sent no correspondence to us that it would be reported on our credit if not payed in full either. I payed in full the remaining balance today as I can not afford another late payment on my credit from GM financial for the disposition fee. I have leased vehicles with them for 10 years now but if this is how situations are handled, I will likely not be a repeat customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: MI
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:
This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a dispute was submitted for XXXX  and this account has exceeded the allowed time limit for credit reporting. What is so frustrating is Experian states on their credit report that it should be deleted on XX/XX/XXXX ; however, they refuse to delete this outdated account information. Outdated credit information is a violation of FCRA and I demand this account be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Quality Loan Service Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Quality Loan Service posted a Notice of Trustee Sale at my door today, they are attempting to do a non judicial foreclosure as a Trustee based on a note I executed with the Lender ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX went out of business. I have been asking my loan servicer ( XXXX XXXX ) and Quality Loan to please let me know who is the Beneficiary of my loan. They have refused to provide me that information. I believe that only the the current beneficiary is authorized to instruct the trustee to initiate the nonjudicial foreclosure process. Since the last known beneficiary was XXXX XXXX XXXX XXXX and they went out of business, I would like to know who is the current beneficiary and the proof of their purchase. This is the only reason I was afraid to negotiate a modification with XXXX. I became suspicious after they took money from Nevada 's Hardest Hit Fund on my behalf but refused to bring my loan current after that. I would like to see proof of who owns my loan now and if they are authorized to order Quality Loan Services to foreclose on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: CA
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an auto loan with XXXX XXXX. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor XXXX XXXX own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.

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 2017-12-28
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:
I previously filed a complaint on XXXX against Experian for fraudulent accounts that were not mine. I requested for fraudulent accounts to be blocked from my credit. They responded on XXXX/XXXX/XXXX stating that accounts and inquiries have been blocked as requested. I received an updated report showing they were deleted but then the next day XXXX/XXXX/XXXX when I checked my reports creditchecktotal.com the fraudulent accounts were readded without notice. I called Experian XXXX and was told they had proof the accounts were valid. I requested proof and still to this day have n't received anything showing that the fraudulent accounts and inquiries belong to me. I would like to file a claim for damages as a result of the pain and suffering that I have been under due to my personal credit report having fraudulent information being reported. I have attached my police report, request to block and the proof of accounts and inquries deleted to soon be readded without proper notification and proof of claim. The Fair Credit Reporting Act requires that the credit bureau inform you BEFORE they re-report a previously deleted listing.

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 2022-03-04
Company: EQUIFAX, INC.
State: MI
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:
Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Equifax 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone stole my information and opened accounts fraudulently and applied and created all kinds of inquiries in my name ... ..

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 2018-10-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
America express. I never late on my bills. I want to make a couple of payment I been in the hospital, I am very ill. And they keep calling me and harassment me. i told them they bill is not due yet and im still in the hospital and they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account at TD bank was Fraudulently opened in my name. 

The account # XXXX Tel XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Lendmark Financial Services
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been making payments on my loan with Lendmark Financial 's XXXX office for several years. I have been repeatedly 10-15 days late making my monthly payment. When I moved to Oregon I updated my contact information with them. And in hindsight it was foolish to have provided my work # given I am not allowed to receive personal calls at work. 
Despite mutiple requests and demands from me since, as well as my manager talking to their agent and telling them I am not allowed to receive calls at work, and my demand to their office manager XXXX that they stop and remove my office # completely from their system, which she assured me had been done, I have received dozens of calls to my work, each and every time I get the call I tell them I can't talk at work and later speak with them via my cell. I thought it had finally been resolved and hadn't gotten any more calls to work for a few months, until recently. 

I have received 5 vm msgs at my work since XX/XX/2019. I sent an email again demanding they stop calling my work and they called me at work AGAIN claiming my cell # wasn't working. They had inexplicably called a cell # I haven't had since I moved to Oregon and they had called me on my cell as recently as XX/XX/2019. Even if my cell was disconnected they do not have the right to call me at work and they know this and do it anyway.

Company response to consumer: Closed with explanation