BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion purposefully offer you a free credit report that would still cost {$1.00}. They have not made it clear to the user that by signing up for the free credit report, they would automatically sign up for the monthly payment too. They do not offer refunds so they took my money for free, causing my credit to go down. 

This is not just unethical but morally corrupted. This is predatory behavior and should never the practiced anywhere. The fact that they have a dedicated page to say they do not offer refund should tell you how many people have contacted them about this issue. Please stay away from this company is my solid advice. Don't make the same mistake as me.

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 monetary relief
Consumer complaint received 2022-08-04
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS which found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files listed below : 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 Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Santander Consumer USA. I purchased a vehicle through Santander USA in 2012. I have made XXXX payments of XXXX and still owe XXXX. The payoff amount changes from day to day. They are staying that I owe XXXX. ( + ) in late fees! How is that? They could not give me a proper answer. I do not understand how I have made payments of XXXXand the principle has not decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am being contacted everyday XXXX times a day at minimum about a payment that should be made on a car loan. I have told the lender several times I will pay. They continue to harass me and every number they have, also intimidating my poor grandmother.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: MD
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 mailed out my dispute letter XX/XX/20 to XXXX. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Auto financing with Santander Consumer USA is a setup for failure among Consumer 's who are less fortunate which includes Low Income, Race, Age, and those receiving Public Assistance when I applied for an Auto Loan XXXX could have had my loan funded by other Finance Companies. 
But Santander Consumer USA inflates there loans to the point it benefits them and the Dealerships who use them, both benefit at which time the Consumer 's are the big losers. 
They Bait the Consumer 's like myself with interest rates and other fees along with monthly payment amount so high that you will fail. 

I was ask if I receive public assistance which I did at the time of my loan. I feel strongly this is just one reason I received an interest rate of 28 % and a monthly payment amount of {$470.00} also I was ask why do I receive XXXX, this and my age was another reason I received an unfavorable loan interest and payment. 
I was told that GAP Insurance was added to my loan only now I am told that GAP is n't included in the loan, which means that if the vehicle is totaled Santander will come after me for any remaining amount owed. 
The extra fees and add On 's benefit Santander and the Dealerships. There are so many violations under the Truth and Lending Act on my loan. 
I was also told by Santander that they deferred one of my payment to the end of my loan, but instead they lied, I found out that they are still charging me late fees and other fees saying I am late, they are also reporting me to all of the credit bureaus as been late. which I was denied a loan because of the negative information been reported, Also my payoff should be {$17000.00} instead Santander Consumer USA told me my payoff is {$20000.00}. The loan when taken out over a year ago was for {$18000.00}. 
It 's unbelievable that Santander Consumer has so many complaints against them when I searched XXXX, I would hope that CFPB will do something about this Business. 
I feel that my age, XXXX, income, and Public Assistance has everything to do with my higher interest rate, payments and other fees, extras. 
They set me and other Consumers up for failure, get as many payments out of us as they can and than repo of vehicle. 
I also notice several lawsuits against them for similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Synergetic Communication Inc
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receiving multiple robot calls every day 7 days a week the company nameSynergetic Communications receiving robot calls harassment 7 days a week all day long synergetic Communications

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I made minimal charges on a new macys card hoping to benefit from the introductory offer/discount in or about XX/XX/2015 Soon they were charging me late fees and late fees on late fees and I tried to cancel my card and paid what I believe was owed after several phone calls. Now despite having paid and cancelled my card the statements keep coming with late fees on late fees and telephone calls to my house at night. I spent nearly an hour on the phone with customer service since I do n't know what these charges are at this point or what the late fees are for since I believe I long ago paid off the few items I bought from macys. The customer sevice was disgraceful unhelpful hostile and offshore and refused to provide me with any records of charges and payments so I can get this straight. I would like to bring a legal action but need the records which Macys wo n't give me. And the calls and late fees keep coming. A nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: CITIBANK, N.A.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I keep requesting that Citibank remove my co-signer as I have met all requirements and do not want to pay off student loans until they are in my name alone to get the full benefit on my FICO score and credit history. In addition I have been paying these loans for more than seven years straight and on time. There is NO form for me to fill out to request my co-signer be removed anywhere on Citibank or it 's affiliated sites and they keep changing the terms of my loan contract. This is outright fraud and I will seek legal action against Citibank as a result. They have failed to validate the loans as is my right and will not show where they were disbursed and demanded I prove who I was when I logged in and found another person was applying for a student loan with my social security number in 2006! I was not allowed to cancel the process under threat of a lawsuit by Citibank and am ready to sue. I ca n't find out if the loans I 'm paying for are even MY loans! This is fraud! I will be filing a complaint EVERY 30 DAYS until this is resolved and will find a lawyer to SUE this company run by crooks! I will be filing complaints against XXXX, XXXX XXXX XXXX XXXX, and Citibank for this EVERY month until something is done. Even after I file a lawsuit I will continue to complain since what they are doing is out of blatant disregard of a contract that resembles nothing at all of what I had signed. I am sick of being cursed at by representatives on the phone, lied to, denied my XXXX from XXXX and more. These group of criminals have been already found guilty of fraud concerning what I have stated above and yet they are allowed to continue to break the law and the contract. I make more money at a stable job and meet the first agreed upon requirements for several years now. The fact that they do NOT have a co-signer release form anywhere on their sites or affiliate web sites further proves they never had any intent of releasing any co-signer. This is n't just misleading a student it 's outright fraud on a contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: WA
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:
Good day, To whom it may concern, I XXXX XXXX soley submit this complaint on behalf of myself in regards to my credit report. I have recently pulled my credit report and noticed the closed account XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.I have attached my XXXX  credit report as proof of my claim.

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 2015-04-22
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello.I complained several times to cfpb about my mortgage lender XXXX ( loan servicer ocwen ) .they didnt approved us for HAMP modification of their own.XX/XX/XXXX up to XXXX XXXX ocwen took several HAMP Application from us, but never approved us for hamp.why ocwen is telling cfpb.mha, hamp solution they gave us hamp tier XXXX and we failed to pay, or didnt sent the agreement documents on time or pages were missing from agreement, etc. ocwen gave us previous lender ( Indymac Banks 's ) hamp modification which we refuse to accept, because it was not affordable payment.. .then ocwen put our home in sheriff sale XXXX/XXXX/XXXX and made us file bankruptcy .it ruined our credit. ocwen put our home in sheriff sale again on XXXX. they took another trail payment amount of {$2400.00} on XXXX/XXXX/XXXX for XXXX modification ( which has conditions in it ) .why ocwen is not giving us hamp.. please let us know what ocwen is trying to do to our home. ocwen is keep saying we rejected the hamp in the past and it was not from ocwen. since XXXX we are trying to get home affordable modification. both lenders were keep excusing to offer us home affordable payment modification program. both banks know they dont lose any thing, but we do. I put this matter in president obama 's attention twice.thanks..previous lender gave fraud loan on false income documents.this lender wants to sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
Dear XXXX, I have several accounts with Citibank , NA that were sold or charge offed in XXXX : - Sears XXXX -Citi XXXX -Citi Thank You Card All these accounts were settled in XXXX via a debt collection agency. I attempted to pay Citi directly but they refused because they apparently sold the debt to various companies. My complaint is for Citi to remove these charge offs from my credit report. These are the only delinquent items standing between me and a new home. My mortgage provider has stated these charge offs will result in extra interest fees through out the life of the loan. Not to mention, they also stated your chances of getting a new job, might be slim due to these charge off accounts listed on my credit report. I am asking for a simple request for Citi to remove these negative items off my credit report, so I can live stress free. These dark clouds from my past keep coming back, and Citi is the only company who does not help the situation. I have restored my credit and financial position since XXXX. Not to mention I have been a Citibank client since XXXX and will continue to do so. Please help me in my quest to get a new home. Have a good day and thank you for listening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a 2 separate letters of requesting validation to : Account Resolution Services, XXXX. XXXX XXXX, XXXX, FL. ( XXXX ) XXXX about 3 collections debts showing up on my credit report. 

I asked them to please provide the following or remove the debts from by credit report : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

They have not provided by with the information I requested and have not removed the collections from my credit report. 
They have just re-sent the same letter demanding I pay. They say in the letter that they have verified the the debt, but they don't give me the name or address of the so called original creditor.

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 2021-02-13
Company: BARCLAYS BANK DELAWARE
State: NC
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:
BARCLAYS BANK DELAWARE I contacted this company today with all my personal information. The company has no record of me with an account. WHY IS THIS ON MY CREDIT REPORT?? 

This suppose to be an credit card with an credit limit of XXXX. I have never had such a card. No money is owed, no balance,. 

It say Date Open : 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 2016-06-17
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call on my cell phone. It was a hang up when I answered. I called back and discovered I was called by a collections company. I do not owe anyone any money. The representative who answered identified himself as XXXX XXXX. He had a foreign accent. I told him I was called and hung up on. I gave no info about my location, etc. He said the company was trying to reach XXXX and gave a partial address that I did not catch. No city was indicated. I told him I did not know the person, did not appreciate the call on a cell phone and the hang up. I asked to speak to a supervisor and have my number removed from the list as I was not a proper contact. He said a supervisor could not help me. Wanted to know if I knew how to contact XXXX after I said I did n't know a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/21 I sent a certified letter to TransUnion requesting how the 2 student loans on my account information were validated. I had to follow up with a phone call because the dispute was not addressed in there response. On our phone call they told me I would have to reach out directly to the US dept of education. Having done so, the US dept of Education stated they did not have signed documentation on these 2 accounts to authorize loans. These 2 loans are shown to have been opened on the same day with different balances. Both accounts show a XXXX balance with a derogatory note showing account as paid off after collection/charge off. I have no charge offs or collections on any of my reports. And it is inaccurate to have a status to show as both a collection and charge-off. I followed-up via a phone call with TransUnion informing them the US Dept of Education stated they could not provide signed documentation of the loan and would not remove the inaccurate derogatory status. I was told by TransUnion that I unless they were notified by the US dept of Education that they were unable to make any changes to the account.

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 2015-12-22
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit card ws stolen and used by someone else back in 2003.Six months ago a credit card company begin trying to collect the debt. I am on a fixed social security and small XXXX pension. I am afraid this company is trying to destroy my small income. They are causing me a lot of stress. My daughter has been helping me to respond to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
This company has provided inaccurate information and its ruining my credit.

Company response to consumer: Closed with explanation