BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: IL
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:
I contacted Experian via email last XX/XX/2021 about the issue of them not reporting my credit history or score other credit reporting agents are reporting my score and my financing institutions are reporting. My complaint also relates to how difficult it is to even contact this company in order to resolve issues such as this I feel that the customer service aspect has been overlooked.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( 12 ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You 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 2022-10-02
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2022-05-25
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sequium Gave out information without getting my consent this would be the second time they have Gave out my information to someone other than me. I have not spoken with Sequium for the bill that was sent out to them by XXXX XXXX XXXX. A woman called as stated by rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: ORG GC GP Buyer, LLC
State: DC
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern : I do not have the most accurate category in the drop down menu " which of these best describes your issue '', however, I did call and a customer service rep assured me that making a complaint here would be most efficient and that I could personalize my complaint here. 

My complaint is that the company who now has my loans, 'GC Services ', has consistently given me wrong/misleading information regarding my defaulted student loans. I was notified by the XXXX that my loans totaled about XXXX. I was sent a letter around the end of XXXX stating that I had 60 days to respond. I never got that chance, because the loans were transferred to GC Services. I contacted GC Services about two weeks ago so that I could rehabilitate my loans. I was told that I had rehabbed my loans twice before and was no longer eligible. 

I also called today, XXXX/XXXX/2016 and again inquired about rehabilitating my student loans. I was told that I had rehabbed them once and was not eligible. I asked why the discrepancy and then asked for supporting documentation, since I was on the Consumer Finance.gov website and would submit a complaint since by law, they have to offer me a rehabilitation for defaulted student loans. I was told they do NOT offer supporting documentation and I then asked for an address and phone number, neither of which were given to me. I was then transferred to a 'manager ' and when I asked for an address and phone number, I was asked " why '' - this does not seem like a legitimate business practice. 

I was given a phone number, but not an address - XXXX is the phone number that I was given. They also tacked on fees and interest, making the total XXXX. I do believe I am eligible for rehabilitation since my loan is defaulted and I am having financial hardship. I do not believe that this company has given me accurate information or represented themselves as a company that tells consumers the truth, instead, I have been consistently transferred around to various departments, 'managers ', been given false information, and told my only options were " paying the loan '' and I was told I could not rehabilitate the loan repeatedly with no real explanation outside of " you did it twice and are not eligible '', and then " you did it once and are n't eligible ''. Again, I do not believe it is best business practice not to communicate basic things like supporting documentation, addresses, etc. to someone who is attempting to resolve their defaulted federal loans. 

I was also told by GC Services to contact the XXXX, but I had already done that, and I get an automated response telling me to contact GC Services. 


Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: EMG ACQUISITION GROUP, LLC
State: NV
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Paid the loan off in XX/XX/XXXX. However because they processed my loan on XX/XX/XXXX and not the XX/XX/2015, they reset my loan and gave me an early payoff amount. As of XXXX XXXX 2015 I was done paying for the loan. XXXX XXXX 2015 they processed a debt payment from my account of {$66.00} that were not suppose to take as the loan has been paid off for over a month. They said to return the money to my account take 48hrs or I could come pick up a check from the office. So now this is going to cause my rent to check to bounce and a late fee to be assisted to my account and leasing office to charge me a fee as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A collection agency in XXXX XXXX Washington named SB & C never contacted me that I had an account that was referred to them, they say they called and sent a letter but I never received either. After 30 days of it being in collections they filed a lawsuit against me. When my wife was handed the paperwork she notified me. I called SB & C and told them that they never contacted me and they said that the lawsuit is their attempt to contact. It cost me {$680.00} to pay off a {$350.00} medical bill. I was never notified of a court date, so I missed it. How can a collection agency sue someone without prior contact regarding my account being sent to them. I feel as if the whole thing was a huge con. They would not provide proof that they had contacted me other than just saying that they had. This happened last year but I did n't know I could file a complaint till now. Their tactics are completely unfair and I do n't see how it can be legal to do what they did to me. Any help or information regarding this would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Shore View Financial Partners Inc.
State: ME
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I hired Shoreview Financial XX/XX/2014 to modify my mortgage and paid them {$3000.00} up front to do so. The agreement was that they would exhaust all possibilities of a modification, and if they were unsuccessful, they would refund me the {$3000.00}. We had numerous denials in the past 24 months and were asked if we wanted to continue and we decided a refund was appropriate. I was told I would receive one within the week, never did. I called and was told I was n't forgotten and it should be another week or two. I called after that duration of time and received an email in response saying that the company was " shutting down '' but would be sure to pay me what I was owed. I waited another week and called again and I was told that they had no idea when I would actually be paid, and if any company ever told me that they could modify my mortgage for a fee to " run in the other direction, '' because if THEY could n't deliver, then NOONE would be able to. I am still having trouble contacting anyone and have not heard anything more about my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a JetBlue Plus card on XXXX XXXX due to an advertised bonus. On JetBlue website while purchasing flight tickets they advertised XXXX bonus points with a new jetblue card. There was a {$99.00} annual fee and I have never had an annual fee card so myself and my husband called the customer service number to confirm prior to applying. The rep confirmed the terms of the promo were that as long as you paid the {$99.00} fee and charged over {$1000.00} in the first 60 days you would get XXXX bonus points. I clicked the linked and applied for the card and received instant approval. I also took a screen shot of the advertisment and copied the " fine print '' to save for my records. 
I then fulfilled both requirements and contacted Barclays ( the lender of the JetBlue card ) to see if I needed to do anything else. They stated it would automatically be credited after 60 days. 
I noticed I only received XXXX points and immediately contacted them and they then claim that was bonus offer I applied for. I have repeatedly provided all of the documents proving that is incorrect. In fact the promo was widely advertised, even on the flight I took in may, and was still advertised during the period I was disputing and contacting Barclays. I also have several family members that have the same experience ( we were on a family trip so all applied ). Barclays has been unwilling to resolve this issue however I am confident that I took all the steps required. There was NO bonus offer for XXXX points advertised when I applied-I would not have applied. I have great credit and did not need the card the only reason I was willing to pay {$99.00} for the card was because it would be beneficial with the XXXX points which is why I ensured I was understanding the requirements. Please help resolve.

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 2022-05-25
Company: Experian Information Solutions 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  XXXX acct XXXX, XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-09-29
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out to Bridgecrest Financial in regards to an auto loan that was charged off and Bridgecrest Financial considered the debt a loss on their profit-and-loss statement in XX/XX/2018 to try and settle the account and they informed me that they do not take settlements and will not settle this debt. The account shows up on my credit reports as charged off as bad debt and reported as a loss by credit grantor for {$8600.00}. I do not understand why they will not take a settlement when they have already considered the account as a loss and wrote it off on their profit and loss statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My complaint is against Chase Bank and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX. I contracted XXXX XXXX to begin the process of filing bankruptcy. They indicated to me that I needed to pay them a certain amount before they could initiate a federal filing on my behalf. According to my Chase Bank records they made {$800.00} in fraudulent withdrawals from my Chase Bank checking account. I believe that this company never had any intention on honoring an agreement to file bankruptcy on my behalf. Once I realized the company 's credibility was questionable I asked the Chase Bank to issue stop payment on XXXX. Additionally, I emailed the company to request that my account be closed in XXXX, 2016. Once, I made this request, I was unable to get through via phone to XXXX XXXX. They routed calls to a voicemail that noone ever answered. I continued to try to communicate with them via e-mail to no avail. I am requesting a refund of the funds that I believe were fraudulently deducted from my bank account. XXXX XXXX now claims to have gone out of business as of XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: CT
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:
I have had many issues with Equifax and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to Equifax has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my Equifax credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is XXXX XXXX XXXX for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with Equifax due to their constant credit profile roadblock tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: MN
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 have contact Equifax XXXX and XXXX about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is Equifax sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted Equifax, XXXX, and XXXX who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/2016 I called Quicken Loans looking for general info re : a refinance. I later learned of a " Hard Pull '' having been performed on my credit that resulted in a XXXX pt. loss to my score. I immediately called back and complained about the loss and was told I gave permission for the " pull '' which I contested then as I do now even after hearing the conversation as it was recorded originally. QL escalated my complaint and researched the call and did call me back with their results. 
As I explained to them all I want is to be made whole and a cursory inquiry as to what refinance options they may have had available should not have cost me those XXXX points. I covet each and every point of my score and at no time did I make application for QL to proceed with an offer to refinance my mortgage. 
In the recorded conversation QL played back to me and used to authenticate my acquiescence to the credit pull, I disagree with their conclusion that the recorded phone call indicates I authorized the pull. 
Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in a accident XX/XX/XXXX. In XX/XX/XXXX the insurance company stated that my vehicle has been considered a total loss. I called my lien holder and advised them what was going on. On XX/XX/XXXX I received documents from the insurance company via XXXX stating they would be paying the car off and assuming responsibility. Then a third party company ( XXXX  ) came and picked the car up. I reached out to the lender again to update them and ask if anything else was needed of me. They stated that they had been in communication with the insurance company and were aware of the pending payoff and nothing was needed of me. 2 months passed then I noticed my credit score had dropped drastically. I called the lender to see why and was advised the payoff still had not been Received. I called the insurance company and was told it was pending. I received a check from the insurance company for the surplus After the payoff which prompted me to call them again and they advised they still see it pending but hasnt been received. Now I went to apply for another vehicle and was advised this is showing up as a repo. I called the Insurance company who advised me that the check had been sent and had been cashed by the lender. They sent a copy of the check as well as a email indicating this was paid off. I then called the lender and spoke to a person who explained they did not receive a check until XX/XX/XXXX which is when they chose to charge the car off. They stated it was not a repossession but a charge off. I asked how this could be charged off if they receive a full payment? They stated because they had waited so long for the payment. I requested that they report this information correctly showing the car was paid off or return the funds since they are reporting that they did not get payment for that vehicle. They stated they would not. I advised that they were committing fraud because they are lying stating they had to charge a vehicle off when they actually received a payment and could be sued as well as audited from the IRS for tax fraud. That is when they said they would have someone give me a call, but I have yet to receive a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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:
So I hada car loan with XXXX and paid it on time for 4 years as a lease car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy

Company response to consumer: Closed with explanation