BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: UT
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:
I have been sending letters to the bureaus. I have received no updates or letter from them regarding my credit. I have been disputing accounts for about 8 months and again nothing has happened. I will attach letters I sent over but there have been several more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company sent card and bills to wrong address. Company then reported account late, even though it was their error. Once contacted they waived all late fees and we paid balance in full. Company refuses to correct late status on credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20
Company: ECMC GROUP, INC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been repeatedly working to consolidate my student loans, seeking a short term forbearance until the process is complete. Due to financial hardships and a recent divorce, I am not able to make the payments as agreed. I have been repeatedly harassed by the EDUCATIONAL CREDIT MANAGEMENT CORP, XXXX XXXX XXXX XXXX, XXXX MN XXXX Phone # XXXX, who is trying to collect on XXXX loans that were cancelled by the XXXX XXXX XXXX. I am seeking a consolidation of all students loans and currently awaiting a decision from XXXX on the short-term forbearance. I was deceivably told I can not apply for a consolidated loan or forbearance because my loans were in default. Per the Department of Education, I am told I do have to option to consolidate : 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 2021-08-07
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX on XX/XX/XXXXXXXX  ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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: Was not notified of investigation status or results

Complaint:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

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 2019-05-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was informed by XXXX XXXX mortgage specialist that I have two different files under same Social Security number at Equifax. I reached Equifax on phone at tel XXXX. After talking with multiple people on phone they promised me they will fix this problem in next 24 hours. I emailed them at XXXX with my Insurance card & driver 's license confirming my ID and request to fix my file as my banker will not approve loan with two files under on SSN. 

Today, I called them to follow up about this. They asked me bunch of security questions. As such, I do not have any loan an open balance with any bank, person kept ask me about minimum balance payment and loan amount of past closed loan. I do not have any balance and open loan, i replied. They were not happy with my answer and declined to fix my credit report. 

Here, I have signed Home purchase contract. I need to get finance approval this week to close my home early coming month. Due to error from their end ( two files under one SSN ), I am suffering to go through so many trouble and will have my mortgage declined. 

Why I need to suffer due to equifax 's mistake? Do I have any legal way so that they stop displaying wrong information? Shouldn't be their obligation whenever they have two files under same SSN they should be proactively reaching to me to fix it? Here, I am chasing so many people to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told this company not to call the number they have on file, as it is not a good number to call. They repeatedly call, and have sent letters to my house. I want them to stop. They will not stop. They need to stop. I want to file a harassment lawsuit against this company.

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 2021-08-07
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally Financial reports my loan balance inaccurately to the three credit bureaus which drops my credit and FICO scores. Ally also never reports my account monthly. My credit reports usually say no information or are three months behind. 

When you talk to representatives the issues arent immediately solved even after submitting disputes and waiting 30 days. Ally Financial continues to not update my account timely and accurately which has had a negative effect on all three of my credit reports. 

Currently I owe {$5800.00} on a vehicle. On my XXXX and XXXX reports Ally Financial reports me owing {$6400.00}. On my XXXX report Ally Financial has me owing {$6900.00} and 30 days late.

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 2016-04-21
Company: Peerless Credit Services Inc
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collections office has contacted me numerous times by phone after being told not to. This included XXXX separate instances where the office called my house literally less than a minute after I instructed them not to call back, the most recent on XXXX XXXX, XXXX at XXXX and XXXX The other instance was during XXXX and I do not have the exact date as my home phone only stores a finite number of incoming calls. 

The calls were more frequent and persistent last year, until I sent the letter on XXXX XXXX, XXXX explaining that the contract was null and void. The collector stopped calling for a few months and made no response contesting my statements about the validity of the contract and reasons for making those statements. 

Now they have called me several times in the past month, including the XXXX calls less than a minute apart, and are threatening legal action on an invalid debt. This has to stop and these people have to be shown that what they are doing is wrong and tortuous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I started having communication with XXXX XXXX XXXX years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. 

I had since left that career and sent payment when I could to the XXXX Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to XXXX XXXX  XXXX for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX I received a call from someone stating I had been approved for a loan, I told them I did not apply for a loan and they started telling me I filled out an online application in which I did n't, they mentioned that someone had used my social to apply for a loan, I then recieved a call from another loan company regarding a personal loan. Since they had my email address, I went into my email address to look to see if there was anything in my email in regards to a loan, this was on XXXX XXXX. I checked my reports on XXXX and saw a vendor XXXX listed for a hard inquiry, I saw in my email their number and I contacted them and let them know I did not apply for a loan and that they had information with my correct address, wrong birthdate, correct name and email, but wrong place of employement. I looked on XXXX and saw that my profile was listed to include XXXX XXXX XXXX which is not where I work. I did a dispute for the loan but did not see anywhere to put for incorrect reporting for XXXX XXXX XXXX. Last week, I put a 90 day freeze on my credit bureaus for safey. I have contected XXXX XXXX and they asked me to come in and get all the documents and also to call a number to see about getting the hard inquiry removed, I also need XXXX XXXX XXXX to be removed because I work full time for XXXX of XXXX XXXX. In addition to filing this complain, I will also file a police report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: LDF Holdings, LLC
State: OK
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma Employees Credit Union and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX of 2017, I got a letter by mail with an offer to open a credit card with a promotional 0 % APR for 15 billing cycles on balance transfers and {$0.00} Transaction fee if used within 45 days of opening the card I applied, so I could transfer {$3500.00} from another credit card. Having excelent credit score, I saw no problems with getting approved for the amount mentioned above. I was approved for a credit limit of {$250.00} dollars. Obviously when asked about the reason, I was told because of high balance on other cards, even though my credit score is excellent. Strange thing, but I believe this is a misleading advertising as with this they got me enrolled, but I will not be able to use the offer that lead me to open the account on the first place. When I called to ask for the reasons, they ran my credit report for a second time, as they said that they couldnt use the previous one.  All for nothing, as they didnt grant any credit increase. This will affect my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX 2017, I attempted to get validation on a medical debt that I believed may not be mine or inaccurate and/or incomplete. I wrote all credit bureaus regarding the issue, as I am a victim of identity theft and wanted to make sure the debt was mine and if so I sought documentation validating the debt was mine to include a billing statement, what amount insurance paid and/or the discounted rate if no insurance was paid, and date of service. During this dispute, the debt was deleted by all three credit bureaus after 30 days as being invalidated. I was informed that the debt would not reappear on my credit report unless the debt was validated and I was provided written notification within 5 days of reinsertion. I was never notified by the collection agency or the credit bureaus of reinsertion, note bearing my signature to the original creditor, payment history on the account, and itemized charges and fees. Due to this violation of the law, I rewrote the bureaus to notify them of the error and illegal practice. XXXX corrected the error because the reinsertion violated the law and removed the collection from my credit file, but XXXX did not due to the collection agency 's illegal practices. The collection agency through its communication did not notify me of the debt, my rights to dispute the debt, or the contact information of the original creditor. Also I have attempted to research the contact information of the original creditor but have been unsuccessful. I XXXX the original creditor and the internet provides data that reflects that original credit is an affiliate of the local hospital and list the local hospital as the contact phone number. When I called the hospital billing department ( XXXX ) I was sent to the emergency department. The ER department said that they do not handle that account and that company has been sold multiple times. They gave me the number to the company that handles the original creditor 's recent accounts at XXXX. This agency said they only handle the original credits scheduling and I was given another number to contact XXXX. I was informed they do not handle this debt and to try XXXX but I got no response. I have been trying to resolve this issue for several months. Please note that my address and phone number has been current with all credit bureaus for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
EX-HUSBAND REFUND XXXX PAY FOR CAR
PAYMENT AND  ANOTHER ON HIS TOP
NAME .. and XXXX
 SO WHAT  I DO  WITH IT  PLEASE  
LET ME KNOW  PLEASE ,  WE  ARE  XXXX 
EX-HUSBAND  HAVE XXXX JOB ,  I AM XXXX JOB
I AM VERY SICK  MYSELF AND SURGERYAS
XXXX  ANYWAY ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX is currently collecting a debt for XXXX different original creditors. Santander Consumer USA acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina ( see attached ). 

Neither Santander Consumer USA nor XXXX XXXX is the original creditor as claimed by XXXX XXXX ( see attached ). On XXXX/XXXX/XXXX, I asked XXXX., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, XXXX claimed that Santander Consumer USA was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, XXXX., provided me documentation which did not mention Santander Consumer USA as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It has been over two months since we have applied for a refinance loan, and were informed that our loan was pre-approved. Since then we have received several documents with incorrect interest rates. It was suggested by the bank that I open a checking account with them in order to receive the best interest rate of 3.875 %, even though I already have several saving accounts with Union bank. Once I opened the account, they told me they could not give me that rate promised because they had made a mistake. The representative continued to apologize for not being able to honor the rate but that they would find something comparable. I continued to receive more documents with an interest rate of 4.625 %, and numerous mistakes corresponding to my personal information, and was advised to sign them, but I refused to sign incorrect documentation. There were close to ten documents sent to me with incorrect information, and all they could say to me was that it was the systems fault. 
In addition, the first date of closing was suppose to be on XX/XX/XXXX, and fund distribution on XX/XX/XXXX. On XX/XX/XXXX, I had not received the correct paper work, nor had I received a call from the bank representative to let me know it would not close on that day. I left messages for the representatives I was working with and never heard back from them until the following week when I received a second funding date of XX/XX/XXXX. 
Originally, my loan amount was going to be for {$520000.00}, but today I received a call from a representative of the bank stating that they could not give me the amount which was proposed several times on all the earlier documents. The new amount was going to be {$460000.00}. I have two properties that I own, and are paid off exceeding the amount of my loan. I have excellent credit, and several savings accounts with Union bank. 
The appraisal they hired took black and white photos, and did not capture the improvements of my home. It revealed that his work was the work of an amateur rather than a professional appraiser. Thus, the appraisal itself has three different amounts my home is worth with the highest being {$650000.00}. 
I feel Union bank has been discriminating against me, and I do not feel I have been treated as a valued customer who has done business with them for many years. The way they have handled my loan approval is not acceptable, and as a customer I feel they have violated many of my rights as an a senior citizen.

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