BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-23
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. 

Based on a multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

As a result of these unjust practices I have a negative account status currently reporting on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
During this Covid-19 pandemic I have been receiving strange emails and phone calls. I believe my information was fraudulently used to try to obtain Credit Cards, Auto Loans, etc. 
These are the following Inquiries that I have noticed to be Unauthorized/Fraudulent. 

XXXX XXXX - XX/XX/20 XXXX XXXX XXXX - XX/XX/20 XXXX XXXX NA - XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX - XX/XX/20 XXXX XXXX - XX/XX/20 XXXX XXXX XXXX - XX/XX/20 I have contacted these creditors to inform them of the issue. I was to to dispute them directly to Transunion and they will agree to remove it on good faith. 
I am requesting Transunion remove the Inquiries listed.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX and TU showing inquires not known to me FTC violations XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Premier Student Loan Center
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 set up a Loan Forgiveness program with a third party vendor who did not cover there end of the Deal. Company name is Premier Student Loan Center Contact names are Below : Date XX/XX/2018 XXXX XXXX | Loan Advisor XXXX Premier Student Loan Center Office :  XXXX | Fax : XXXX http : //PremierStudentLoanCenter.com This person set up the account and has my bank information which was given to setup the forgiveness program and automatic Draft of monthly payments. 

Nothing was ever reported to Federal Student Aid : XXXX Below is what I have been paying since the date in question. ( XX/XX/2018 ) Billing Information and copy of Email sent to me for confirmation of Loan Foregiveness Program : XXXX, Congratulations again on your submission to the Loans Forgiveness Programs. Again, You will receive a Welcome call within 72 hours upon the submission of your application. Please Try to gather your POI ( proof of Income ) either 1040 Tax Return or two most recent Paystubs. 

Your Case # XXXX Federal Student Aid Username : XXXX Password : XXXX ReOccuring Payment Dates XX/XX/2018 - {$230.00} XX/XX/2018 - {$230.00} XXXX {$230.00} XXXX {$230.00} XXXX {$230.00} {$40.00} a month for the remaining duration term Again, We want to congratulate you, once again, on your enrollment into the Student Loan Forgiveness Program. Dont forget about our referral program! Now that you are enrolled, you are entitled to a {$25.00} VISA CASH card for each person you refer, so long as they qualify for the program. 



*THERE IS NO LIMIT ON THE AMOUNT OF VISA CASH CARDS YOU CAN ACQUIRE* cid : XXXX ***STUDENT LOAN FORGIVENESS PROGRAM*** If you owe {$10000.00} or more in federal student loans and would like some more information on getting up to 90 % forgiven, the Department of Education & the Federal Government have income-based benefits for you. Call XXXX XXXX @ XXXX and she will help you as she helped me! Make sure to tell her that I referred you! 









Highest Regards, XXXX XXXX XXXX Loan Advisor XXXX Premier Student Loan Center Office :  XXXX | Fax : XXXX http : //PremierStudentLoanCenter.com This is the email i was sent after signing up for the program. 

No information ever made it to my loan provider and my loan is still the original amount that it started with. 

Refer to your email from XXXX at XXXX - Department of Education Loan Servicing. 

She emailed you today on my behalf. 


I have proof of transactions in my bank statements and proof with Department of Student Loans that The party in question never paid any money towards my loans and therefore is in breach of conduct for Fraud. I want my money back in full. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-02-03
Company: Upgrade, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I spoke with one of their representatives on XXXX, signed up for hardship plan on both loans I have through them. While on the phone the representative was asking me what was I doing to better my situation? Was I trying to get my old job back? Have I tried getting a second job? How long do I expect to be in a hardship? Reluctantly I signed up for the hardship and was told everything was good, then today XXXX, the took the full amount. When I called the representative said that its because it wasnt done in enough time it takes 3-5 days to change payments, I was never told this. This treatment of a customer is outrageous especially in these unprecedented times we are in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: First Financial Resources, Inc.
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXX -XXXX XXXX Account # XXXX -XXXX XXXX XXXXXXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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:
There is currently an auto account listed on my credit report that I have no knowledge of. This was a result of an error or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: AA Recovery Solutions, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX, received harassing and threatening voice-mails from the number XXXX implying legal action, what is being alleged, clearing my name and protecting my interests by a man calling himself Mr. XXXX. Company name was not identified. 
Claim was that there failed attempts to reach me. To my knowledge, no attempts have been made. 

XX/XX/XXXX a friend/caregiver was helping to assist me at home with my mother who has XXXX. I was cleaning up a XXXX blowup and she was getting cleaning supplies. She answered this call from what we think was again Mr. XXXX who asked for me and became aggressive and threatening when she stated I was unavailable and she was unable to take a message for me. She had to hang up on him. The company was described to this third party as AA she thinks. We were wrist deep in a blowout so she isn't sure. She told him she was a caregiver and he continued until she hung up. 

XX/XX/XXXX received yet another threatening voice-mail from Mr. XXXX again implying legal action if I do not respond by the end of business day today and contacting my employer if I do not call him back at XXXX I have not called either of these numbers as the messages as well as his interaction with the other caregiver was hostile and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: LOBEL FINANCIAL CORPORATION
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 status incorrect

Complaint:
I have a loan from LOBEL FIN, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called LOBEL FIN and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have complained with the Credit Reporting Agencies ( CRA 's ) regarding the FCRA requirements that the CRA 's investigate for completeness and accuracy. The CRA 's reply on all complaints that " they will enter my dispute into their system and review all information ''. This isn't an answer but a way they blow off complaints and look like they are doing their job..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: NY
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020 someone used my information to secure a line of credit or loan with XXXX XXXX 
It is on my credit report and damaging my " Excellent '' credit rating. 
It was for {$1200.00} and has never been paid. I have never had a line of credit or loan with XXXX. This debt is fraudulent and not mine. 
There were aka names on my credit report that are not mine. 
There are address on my credit report that are not mine. 
There are phone numbers on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law.

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 2019-03-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am requesting late fees in the amount of {$52.00} to be refunded back to me. I tried getting the fee back through XXXX XXXX ( XXXX XXXX XXXX Reward Credit Card ) and they will not refund the fees. I placed a complaint with the XXXX  and a rep from XXXX XXXX called, XXXX XXXX # XXXX just to tell me that she will not refund any money back to me. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld system did not give me notice before reporting to credit report. I called them and they informed me that they mailed the letter to me which I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Starting this calendar year I have been dealing with a company called Shellpoint Mortgaging services who claim they were not receiving my payments! So payments are missing or not applied correctly it seems! I had to take funds from my IRA to make a XXXX payment in XXXX! To which at the time they stated the amount owed was XXXX I sent in a cashiers check for XXXX and subsequently sent in my XXXX payment of XXXX it was cashed by them on XX/XX/XXXX as per my bank! But never posted to my account! These people are frauds or committing fraud! They sent me a statement on the XXXX  for XXXX! No mention of the XXXX they received prior and late fees on top of what they already received!! I spoke to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was supposed to be a supervisor and have not been able to reach him since! I am XXXX   XXXX due to a XXXX  XXXX I had in XX/XX/XXXX! This is putting undue stress on me and I am afraid to send in any future payments as they are not forthcoming in their accounting practices!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: JPMORGAN CHASE & CO.
State: PA
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:
Hello, We planned a trip to XXXX for XX/XX/XXXX - XX/XX/XXXX. We were unable to go due to the COVID-19 pandemic ( the flight was cancelled, XXXX shut down its borders, etc. ) / One of the hotels we booked had a cancellation policy stating that if we cancelled prior to XX/XX/XXXX, we would be fully refunded less XXXX USD. 

On XX/XX/XXXX, we attempted to cancel this hotel booking with XXXX, a booking company that works with XXXX with whom we booked. XXXX 's website only had a landing page stating they ceased operations and people " may '' receive a refund. We tried calling their number - XXXX. It was disconnected. We then called XXXX who also tried to get in contact with XXXX - they said that XXXX had ceased operations and advised us to file a claim with our credit card company, Chase.

We filed a claim with Chase on XX/XX/XXXX for the refund of our {$750.00} USD. The claim was denied, and we received the denial on XX/XX/XXXX. We then called Chase to understand why the claim was denied, and they said that they contacted XXXX 's bank, which then got in contact with XXXX. XXXX sent a copy of our original booking confirmation ( see attached ) which outlines the cancellation policy : a refund les XXXX USD will be paid to cancellations made before XX/XX/XXXX. We explained to Chase on the phone call that we had no way of contacting XXXX to cancel our booking because they had ceased operations. Chase said that we had to submit another claim and there was nothing they could do. We even stated that XXXX 's current website ( XXXX XXXX XXXX ) states they filed for the US equivalent of Chapter XXXX bankruptcy as of XX/XX/XXXX. ( see XXXX ) We are at a loss - we don't understand how we could have cancelled our hotel booking with XXXX if the company had ceased operations, dismantled their website, and disconnected their phones. XXXX could not even get a hold of them, so I'm not sure what normal citizens like us could have done. 

We implore to please help, as this is no small amount of money to us. We would have LOVED to go to XXXX and stay in the hotel, but that was impossible due to COVID-19 - flights were cancelled, and XXXX 's borders were closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I contacted my local branch office ( TD Bank ) on XX/XX/XXXX to pay off a personal loan in full. I was informed this could only be done in person. On XX/XX/XXXX I went to my local branch and made a payment for the balance of the loan. I returned home that night and checked my on-ling banking, the loan was no longer listed. Two days later I checked my on-line banking and saw the loan had been re-opened and an additional monthly payment ( {$390.00} ) was taken out ( XX/XX/2021 ). 
I called the bank to discuss this mistake. They explained it would take several days but the money would be returned to me shortly either by transfer or check. As of XX/XX/XXXX I had not yet received the surplus withdrawal back to my account. I called the bank again and was told the payment would be going out by check and I would have it within the week. 
As of XX/XX/XXXX I still have not received the payment. I called again and was told that the check was processed on the XXXX and I should receive it soon. 
While I hope this is the action that will occur I am unsure at this time. Having been lied to multiple times now by the bank and having them repeatedly change the date of the return of my money I decided to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I XXXX XXXX XXXX contacted XXXX XXXX at XXXX and paid the past due amount on my account # XXXX, in the amount of {$1600.00}. I paid in two installments, {$1500.00} ( confirmation # XXXX ) and {$130.00} ( confirmation # XXXX ) and was told by XXXX, that my credit reports would be updated with PAID. 
On XX/XX/XXXX, XXXX and XXXX, XXXX, I reviewed my credit report and also I contacted XXXX and spoke with XXXX # XXXX at XXXX and was told the account is with XXXX XXXX ; I tried to explain to the representative, but with the language barrier, but got nowhere. I asked to speak with a Supervisor and was told she could not transfer me, because none of the Supervisors are available. I explain to the representative, that I was trying to buy a home and needed a letter from XXXX showing the account is Paid in Full. She put me on hold and came back and told me that XXXX is not showing the account and that I needed to contact XXXX XXXX, I tried to explain that I had spoken to XXXX XXXX and they said they told me that the account had been Returned to XXXX back in XXXX and that I paid XXXX. She said she couldnt help me!!! 
On XX/XX/XXXX, I checked my credit reports and all three ( 3 ) are showing Charge Off and a balance due in the amount of {$1600.00}. I have been on the phone with XXXX numerous times and not able to get them to understand that the information they are showing in not correct and should be updated to reflect the correct information. I did a dispute with all three credit bureau and the information updated as of XX/XX/XXXX is showing Charged off!!! 
I have attached screen shots of two payments made to XXXX as proof the fulfilling my obligations, I want XXXX to update my credit reports to show Paid in Full. Also a copy of the XXXX  credit reports as of XX/XX/XXXX. 

Kind regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation