BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My friend in class XXXX reffered me to this website called XXXX, a babysitting website, and so I was told this is a legit website. I got a reply to a job posting from a women name XXXX XXXX, stating that I would help take care of her sick sister. The women promised {$500.00} in advance and {$500.00} each week for the responsiblilities. She told me she would erase the posting so no one else would get it and that she would email me. She 's been texting me of this number ( XXXX ) and told me she sent me a check and then asked if I received it and asked me to deposit it into my bank account and so I thought the check was real and deposited the check at my bank ( Santander ). I deposited the check on Friday the XXXX of XXXX 2015 and it cleared Tuesday the XXXX of XXXX 2015. She then asked me to deposit XXXX that same day for the apartment for her sister into an account by the name of XXXX XXXX XXXX ; Account type ; checkings ; Account number XXXX ; Routing number ; XXXX I deposited the money in cash and then the next day I got a call from the bank telling me the check was no good. I went straight to the bank and they told me there 's nothing they can do that I am held responsible for the funds. I am a XXXX year old college student just trying to get extra work on top of my other XXXX jobs. I just got my first car and have to pay for my XXXX college classes on my own, I pay for all of my own expenses with no help from my parents. when I went into the bank the same day they called me to tell me, a bank teller then looked at a second fake check that was delivered to me the next day I brought in for proof and she looked at it and saw right away that it was a fake check. My confusion and frustration is why did n't the bank teller that I gave the fake check to deposit not notice the same thing the bank teller noticed about the XXXX one, mind you both tellers worked in the same exact bank that this occurred. I 've been scammed and I feel as though I deserve a dispute. I have been with Santander a long time now and they wont even help me from recoving from being a victim of fraud. They are not helping whats so ever and they wont allow to even make claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
We bought a pathfinder ( used ) from XXXX Dealer. After fixing the price, they told us to wait due to system glitch with XXXX. At the finance table, they increased the price of the vehicle and forced us to take fiance from Nissan Motor Acceptance Corporation. They charged us unreasonable percentage of interest without based on any credit rating. Every XXXX Dealer is using the same tactics to grab the customer and charge the rate of interest of their own wish and Naming Nissan Motor Acceptance Corporation. Looks like Nissan Motor Acceptance Corporation is also including in this scam. Dealers does not provide us available options and if someone find out they increase the price of vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Have been trying to work with my lending company for several months to try resolve my outstanding 2nd mortgage loan. After several calls to the manager in the point of contact office for an accurate payoff amount and not getting any response back for several weeks, I then received a notice of a foreclosure for XXXX XXXX, 2016. I have since called the lending to ask for a postponement where I have a signed purchase and sales agreement in hand with a closing date of XXXX XXXX, 2016. My 2nd mortgage lender is telling me that it is too late and that the foreclosure can not be stopped at this time. All I 'm looking for is a XXXX60 day postponement and the XXXX and 2nd mortgage company will be paid out in full. I feel it is unfair and unreasonable for the 2nd mortgage company not to allow me this time.

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 2015-12-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For the past 2 years I have tried contacting both XXXX XXXX XXXX and XXXX notifying them that they are both reporting the same mortgage delinquent. I am currently in litigation with the parties and feel this is their attempt to be spiteful. I have submitted disputes through Equifax and the continue to report that my information is correct and that I have XXXX delinquent accounts. I can no longer dispute the item any more and is destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a dispute to correct errors on my credit file on XXXX XXXX and they ignored my request even though I sent it through fax and was given a confirmation that the fax was successful I sent XXXX pages and upon checking dispute through their website and none of the personal information or accounts that I disputed are under investigation and it will 30 days tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XX/XX/2016 I went into the XXXX XXXX store and asked about options for my prepaid cell phone data packages. 
I was not notified that the attendant did a hard inquiry on my credit report, this hard inquiry reflects negatively upon my credit score, and I want it to be erased. 
I filed a complaint with Equifax on XX/XX/2016 and am awaiting correspondence. 
I have the name of the attendant who I spoke with and the address of the XXXX XXXX store I went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a student loan with XXXX XXXX ( who now is navent ) back in XX/XX/XXXX account # XXXX which on my credit report it shows XXXX accounts # s XXXX in the amount of {$3500.00} and XXXX in the amount of {$2600.00} besides the accounts being XXXX old they sold the accounts back to the original debtor ( XXXX ) which in return got paid by taking my tax return back in XX/XX/XXXX, I have tried several times to dispute the information on my credit report stating their ca n't be XXXX company 's reporting the same information on my report but what they did was when the XXXX has different account numbers with the same information which is the same loan from XXXX XXXX. at this point I had my attorney send them a letter explain they can not have XXXX companies reporting the same items that XXXX XXXX would have to delete there information because XXXX was the one who collected the money from me and XXXX XXXX sold the loans back to the XXXX, I have a record of all the times I have contacted XXXX XXXX and the XXXX reporting credit agencies, I also have the letter from my attorney contacting all three agencies and the XXXX reporting companies, the XXXX credit agencies have not corrected the information have never verified the information because they are getting paid by the companies to report the information, all I want is for XXXX XXXX to remove the information from all XXXX agencies because they no longer own the accounts ant the XXXX is reporting the same info with different account numbers. XXXX account # 's XXXX and XXXX all the information is the same on all the accounts see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Andrews Law Firm, PLLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was making payments to a creditor on a consumer loan and I was having some financial hardships. I received a summons that I didnt understand.I had no court date on the summons so I contacted the creditor. There is nothing in writing, but over the phone XXXX XXXX led me to believe that I was safe from legal actions and I could resume payment over the phone and monthly payments were approved to be debited from my account as one time payments. Therefore, each month XXXX XXXX XXXX would call my cell phone and I would authorize a one time payment in the amount of {$65.00} and {$100.00} and {$110.00} and {$76.00} I have proof of all payments on statements from XXXX XXXX. I have receipts stating our conversation dates that took place for the authorization of these transactions.The creditor never informed me that it was actually in collections in any of those phone communications or in writing before it occurred. The XXXX was willing to initiate the calls for payment until XXXX of 2021 at that point the communication stopped on their end and I figured it was due to COVID 19 Pandemic. I paid one more payment that was withdrawn in XXXX 2021. In The last week of XX/XX/2021 I received a letter stating that I had a judgement placed against me on XX/XX/2021 for wage garnishment.I tried to look this up on XXXX and it kept showing no matches found. The summons never gave a court date and if there was actually a court date it was not disclosed. The amounts dont match on the two separate documents and I tried to contact both parties and both parties were rude and disrespectful and not willing to agree to any arrangement of partial payments. XXXX told me the whole amount was all they would accept. I feel like they have been deceptive and are hiding a mistake on their part with rude, disrespectful behavior, thinking this will distract me from their deception. I have documentation from them and proof of payments with my bank. Why would the creditor close my account and write it off for bad debt, profit loss before the debt amount and term of XXXX XXXX months had been satisfied? I payed after the account was charged off without any knowledge. The creditor never informed me of the account collection attorney.I was mislead and payments were authorized until XXXX of 2021. At that time communication was ceased on XXXX XXXX XXXX end.

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 2015-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/XXXX i was turned down for a apartment XXXX in XXXXXXXX due to a past rental debt/judgement that i was unaware of with XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and property mangement XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OfficeXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of my lease XX/XX/XXXX i complained about several repairs needed to the property such as Air conditioning not fully working properly, and suspected mold showing in the home. I as well as my families health deteriorated in the home, and served XXXX letters certified as stated in the lease. I also went according to the attorney general page to look for direction on this. I am upset because XXXX XXXX took it upon themselves to serve an ILLEGAL Eviction when their was no one in the home, they were notified of the reason that i was leaving per my lease. I have served the property management XXXX a letter and they are stating they no longer are over the property and that i would need to speak to XXXX XXXX who does not reside in the XXXX area. I wish to have this infallacy removed from my credit and also i will filing a civil suit against XXXX XXXX. Please assist with this matter before it turns to the court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am submitting substantial proof that my XXXX credit card account is current and paid as agreed. I contacted XXXX in regards to a deragatory remark that is on my credit report. I received this supporting documentation that the account is current and remark to be removed. This account is showing as potentially negative when it should be showing as account that is satisfactory.

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 2017-01-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been trying to dilute a bankruptcy on my report from Experian. The reporting agency Experian has used to verify the bankruptcy is XXXX XXXX. My XXXX file has been frozen since XXXX XXXX, 2016. Experian keeps claiming they are verifying information on my credit report and that the source of verification is XXXX XXXX. How is this information accurate if my XXXX XXXX is frozen. Attached is a documentation of my XXXX XXXX consumer being frozen. Experian is not in compliance with the FCRA, XXXX and CFPB

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 2017-08-15
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I already told them I have no money and they need to stop, calling, harassing me. I have told them 3 times to take me off their call list and they just keep saying it takes 24 hours, I told them that 's fine just take me off. They threaten it will go into collects and on my credit report so I told them to let it because I have no money, but they repeatedly and continuously keep calling. They, a female & male representative start yelling and saying I have to pay something. I 'm barely making in paycheck to paycheck I have no extra money. I 've already told them multiple times when & if I get extra money I will call them, but they refuse. XXXX XXXX XXXX. They call me EVERYDAY ... 3-5 times a day throughout the day & evening. Diversify Consultants. I loose sleep and get awakened from sleep because they refuse to stop calling. This has been going on for well over 6 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX, I checked my Transunion credit Report and all the inquiries were deleted. I logged in Today and the Inquiries are back and as a result my score has decreased.

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 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion removed negative reporting items from the account with XXXX from XXXX 2010 to XXXX 2010, however when I reviewed my credit report recently the negative information was placed back onto my credit report.

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 2016-11-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a leeter from my lawyer and the court stating that they do not report my information, and the information being reported is not mine, mine bankruptcy is still pending, so the wrong information being reported. I would like it removed. I have also included a letter from the FTC about public records being sold to the credit companies

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 2016-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX collections showing on my credit report that was unauthorise XXXX XXXX XXXX and XXXX XXXX and inquries that I did n't authorize that im having trouble removing. I put an fraud alert on my report and I also have police report in regards to the items. but no reponse.

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 2016-09-11
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian send out a new report this time they add middle Ination I Never Had One.First it was my address now it read XXXX Can They Please Have My Correct Name And Address XXXX OR. XXXX 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 non-monetary relief
Consumer complaint received 2015-05-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Here 's my experiance : About two weeks ago, I logged on to Experian, put in my sensitive personal information, and was given the choice of spending about {$30.00} to get ALL XXXX credit reports, or spend NOTHING, and just get the Experian report. OR ( and this is what I did ), I could pay a BUCK ( {$1.00} ) and also get my FICO score, which one does not normally get with the free report. 

So that 's what I did. Except, in tiny letters, it says, " Includes 7-day trial membership ... '' It does n't say that there 's a COST associated with it. Just that you 're automatically enrolled. And there 's no way to opt out before paying that {$1.00}. 

But there IS a cost associated with it. It 's {$19.00}. However, I just found out that cost 2 WEEKS after I thought I had gotten my credit report and FICO score from them. It finally showed up on my on-line bank statement a day or two ago. By the way, when I got the " Welcome to the club! '' email from Experian, it still said NOTHING about the cost, or that it was a recurring monthly cost. 

So I called Experian 's customer support. Experian says you can cancel. So I did. We shall see if that " takes. '' I give them a XXXX/XXXX chance. 

They also say that you can be refunded your " prorated amount when you cancel. '' That has turned out to be a lie, since they repeatedly refused to refund me ANYTHING. 

But I never agreed to $ XXXX/MONTH, and there was no " Opt Out '' feature when I thought I was paying {$1.00} for the FICO score XXXX Therefore, I demanded full reimbursement. They refused. 

What I wound up doing is calling my bank, and disputing the charge. Also, contacting Experian 's billing department to demand full reimbursement. 

And I figured YOU guys might be interested, since ( from a XXXX article ) : '' In XXXX 2005, Experian accepted a settlement with the Federal Trade Commission ( FTC ) over charges that Experian had violated a previous settlement with the FTC. The FTC 's allegations concerned customers who signed up for the " free credit report '' at Experian 's Consumerinfo.com site. The FTC alleged that ads for the " free credit report '' did not adequately disclose that Experian would automatically enroll customers in Experian 's {$79.00} credit-monitoring program. " Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian shared my private information on XXXX different times with XXXX different agencies. XXXX was XXXX XXXX in XX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXX .Number XXXX was XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX.The XXXX XXXX was XXXX XXXX credit department.They shared my private information without my consent..im very upset about this. they have no right to share my private info without my consent thats my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief