BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
For starters I didnt see what I had signed until I took the XXXX XXXX I was given instead of paper contracts. I was promised a 14 % interest rate which ended up being 19 % on a $ XXXX vehicle. I was told if I didnt get an extended warranty the bank would not finance me. Much to my surprise when I finally printed the contracts there it was in bold letters, No need to get extended warranty to get financed? Lies and more lies. Ive paid $ XXXX in XXXX yrs. and only XXXX has gone down. Hows this even possible?

Theyre Predators! And now Ive been asking them to come and pick up the vehicle and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A business I had which closed back in 2007 had some debt to it, there is an account listed on my personal credit file which I disputed with no validation provided and the item is still there. I am asking your agency for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Cuzco Capital Investment Management, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The company called XXXX XXXX XXXX is representation of Cuzco Captial. Called my job and personal phone with threats of suing me over debt bought from XXXX credit card which was charged off after payments made to them directly. The company was very abusive in language and behavior causing me to almost crash while I was driving and hanging up in my face and talking to me in discriminating ways. I asked them to show me verification of the debt to which I was told that they dont have to. They wouldnt even identify themselves or Cuzco capital. XXXX they stated I owed an amount why higher than what XXXX  ever had. This is also illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For about XXXX  months Amerisave was trying to get me approved for a home refinance. About a month ago I'd call and email my loan specialist to let him know that if he was having a hard time to get me approved to go ahead and cancel the process and get my refund of XXXX XXXX dollars they asked for to initiate the process. 
On my email and phone call I'd told the Loan specialist to cancel before sending the home evaluator, he responded saying, XXXX, it's a process and I'm still working trying to get you approved. 
A month later the home evaluator called to set up a time to go check my home. 
My first thought was, great I guess I have been approved. 
Why will the company send the evaluator to do an inspection if the loan hasn't been approved???. 
A week after that, my loan specialist call me just to let me know that they can't approved me for a loan refinance. My response was that's fine just send me my refund please. He responded I will let my manager know. 
A week after id call him again to find out the status of my refund, he said I'll let my manager know cause I don't know if we're going to be able to do that since we have to pay the home evaluator. 
If this company tell their customers that XXXX XXXX dollars may be gone from your bank account regardless if you get approved or not, I'm sure that customers will think twice about paying that amount for something like that. 
That was never explained to me. 
That's the reason I'm expecting to get my money back. 
Those malpractices to get people involved in that kind of deal shouldn't be approved by government. 
Mortgage company like this one should be able to explain better what the process it's going to be like and what's involved on it. 
Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We are in the third month of the mortgage loan process with no end in sight. We are purchasing a home and the seller will not extend the contract after XX/XX/2016. We have quickly responded to any documentation needed by the lender and we are still waiting for loan approval and loan documents. We have also been told that the loan interest rate and costs will have to be changed after we were told that they would honor their original commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Delta Management Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The collector garnished my wages without notice. After multiple requests for an appeal by phone and email, I received my money back. I emailed the ombudsman and the management company requesting the rehabilitation verbally offered to me but never sent in writing. I requested only mail contact and stated my intention to repay. The company will not respond and I have almost been back to work for a year after unemployment ( the reason the garnishment was not legal and to which the company acknowledged fault by mailing me a check ). I have provided my address and since day 1 they refuse to put any option in writing or let me have a written copy of the rehabilitation to review. I want to pay this off but I fear after aggressively pursuing and winning over the illegal garnishment that they intentionally are refusing to respond so my year expires and they can pursue garnishment again. The other issue with telephone communication was mu request to speak to a supervisor and her denial their website nor the law protects individuals for 12months after returning to work after an involuntary end employment.

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 2016-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion refused to provide Credit Score to a Lender, XXXX XXXX XXXX, whereby I am denied a Home Loan. 
And refusing to provide me with credit report, inspite of providing all required documents multiple times since XXXX 2015.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am filing this complaint against XXXX XXXX & Transunion. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that TransUnion is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date TransUnion is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that XXXX is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date XXXX is reporting is unavailable. XXXX has failed to publish the correct information. 

The Bankruptcy filing date XXXX is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015

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 2022-02-01
Company: EQUIFAX, INC.
State: LA
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 discovered XXXX fraudulent accounts on my credit profile, both collectively ranging close to {$2500.00} dollars and both accounts were reported as 'Charged off ' and I had no complete knowledge of them being created at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 discovered XXXX fraudulent accounts on my credit profile, both collectively ranging close to {$2500.00} dollars and both accounts were reported as 'Charged off ' and I had no complete knowledge of them being created at all.

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 2016-01-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Fraudulent inquires have posted to my credit file I did n't NOT Authorized I should have police reports on file with company as I 'm an victim of ID Theft this is FRAUD and I 'm demanding these Inquires be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-02-04
Company: EQUIFAX, INC.
State: DC
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:
In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the D.C. Department of Regulatory Affairs. I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW 47-2851.03d. If the documents are not provided it is in direct violation of FDCPA section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-02-01
Company: Verisk Analytics 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: Public record information inaccurate

Complaint:
Lundquist Consulting Inc Consumer Center ( LCI ) has an inaccurate alleged bankruptcy that appeared on my consumer report with XXXX ( Lundquist Consulting Inc Consumer Center ( LCI ) supplies XXXX with this inaccurate alleged bankruptcy. 

I submitted the letter and attached documents to Lundquist Consulting Inc Consumer Center ( LCI ), however ; Lundquist Consulting Inc Consumer Center ( LCI ) DENY that it reports such information to XXXX and as such Lundquist Consulting Inc Consumer Center ( LCI ) states in their response letter to me that it doesn't comply with the FCRA laws MEANWHILE, Lundquist Consulting Inc Consumer Center ( LCI ) clearly reports consumers ' information to XXXX. 

Lundquist Consulting Inc Consumer Center ( LCI ) is acting like a FRAUDULENT private company by purposefully stating that the FCRA doesn't apply to it and LCI is also exhibiting characteristics of domestic terrorism 18 U.S.C 2331 -1 ( b ) ( i ) ( ii ) through intimidation, lies and coercing. 

Lundquist Consulting Inc Consumer Center ( LCI ) must be stopped and brought to book for such acts of deception, dishonesty and psychological intimidation to vividly state that it will not and can not delete such inaccurate alleged information about me ( a consumer under FCRA laws or regulations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under XXXX XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Had taken out a loan with Spotloan XX/XX/2016. I stopped paying on the loan because I no longer could afford the payments. After consulting with an attorney, she suggested that I file a complaint against this company for violations of the FDCPA and Rosenthal FDCPA as she determined that this company along with his prior collection companies, engage in serious collection violations which has caused me and my family a great deal of distress. The individuals representing this company bullied and intimated me as well as called me on numerous occasions threatening legal action, wage garnishment, etc. if I did not pay this debt and refused my requests to contact my family members, called me a " deadbeat '' and other defamatory comments and threatened to continue to call my family members despite my request until I paid the debt. I also received multiple calls from their " process server '' who called me as well as my family members threatening to serve me with papers even though no law suit was currently pending. The collectors left messages with a case number which did not exist in the court system according to my attorney. In addition, my family members were repeatedly called by this company even though they knew how and where to reach me. The distress over the repeated contacts, threats and harassment to me and my family coerced me into making a {$200.00} payment last month that I could not afford. This whole incident finally led me to contact an attorney to represent me in this matter and who also directed me to file a complaint with the FTC as it is her opinion that this company engaged in borderline criminal and unlawful debt collection tactics. I 'm filing this complaint in the hopes that this company can be stopped and put out of business so as to not put any other people in the situation that they put me through.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bill was paid cancellation of internet/cable service XXXX said they did not receive equipment but they did the company was switch to Eastern Account  which is not XXXX  cable service tried years to complete this dispute they will contact me back or answer my calls to settle

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a chapter XXXX in 2006, Equifax reported this as XXXX separate bankruptcies and it is still on record. XXXX failure was reporting it XXXX, reducing my score substantially. Second failure, this is outdated and should be removed. It is not a chapter XXXX which stays on for XXXX years, it is a chapter XXXX which should be removed after XXXX and has been by the other agencies. I have disputed this several times however it is not getting resolved, most recenetly this month. In addition, the information I recieved says that a bankruptcy was added to my report. I have to pull my report but that means that either they changed the date or now I have XXXX? This is getting rediculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I had an XXXX at XXXX XXXX XXXX XXXX. I was billed {$360.00}. Due to an issue with my insurance company I had to wait on my " in network '' out of pocket vs my " out of network '' out of pocket to get sorted before I could be sure that the billed amount was accurate. Unfortunately it took a long time to sort out and required me escalating the issue with my insurance company. 
Long story short, I did not get a full answer until XX/XX/XXXX ( ish ) of XXXX, I then paid XXXX XXXX right away, and in full for the {$360.00} that was due. 
At the same time I was contacted by Continental Credit Control regarding this payment. I explained it was paid in full and to not contact me again. 
They called me repeatedly and send my a letter this past spring. 
I just received another letter ( dated XX/XX/XXXX ) stating I still owe the money AND interest ( 10 % ), now saying I owe {$380.00}! 

I called Continental Credit Control and left a message with my account #, my phone #, etc for the case manager explaining ( yet again ) this was paid months ago and to stop contacting me! I said I would be filing a complaint with CFPB as well. 
Their # is XXXX ext XXXX ( XXXX XXXX is the case manager ), I am happy to provide the case # if needed as well. 

I'd very much like them to stop, and I am also afraid that this will effect my credit too! 
Please assist. 
Thank you!

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