BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me multiple times back to back. If I ignore their call, they will call back within seconds of me ignoring it. They also leave a voicemail that just says hello. It has gotten to a point where they are waking me up with their repeated calls. 

This happened today ( XX/XX/XXXX ). They called 3 times within the span of a minute ( all 3 calls are time stamped XXXX XXXX  ). XX/XX/XXXX, they called at least twice with time stamps of XXXX XXXX  for both calls. XX/XX/XXXX, they called twice within one minute, one call timestamped XXXX and the other at XXXX. XX/XX/XXXX, 3 calls timestamped XXXX, XXXX, and XXXX. 

I have asked them as of today to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
My mortgage loan was service transferred to XXXX XXXX in XX/XX/2020, at the time of service transfer the loan was boarded and coded as a discharged Chapter XXXX  non-reaffirmed loan significantly impacting my credit. 

I submitted a NOE and the issue was not addressed. I called XXXX  XXXX XX/XX/2020 and was advised there was a systemic issue and approximately 26K accounts were impacted and flagged as either an active or inactive Bankruptcy where the consumer was NEVER in a bankruptcy nor was the property a part of a bankruptcy. The representative was going to escalate this account to have the bankruptcy flag removed and issue an ACDV  to the credit reporting agencies to correct the error. 

I called to follow-upXX/XX/XXXXand spoke with a supervisor after I was on hold for 35 minutes and the representative could not advise of the bankruptcy case number on file or any evidence to support why the loan was coded as a discharged bankruptcy. 

Not only did this effect me but several other consumers who may not be knowledgeable to mortgage servicing regulations and requirements. XXXX XXXX failed to properly investigate the account when the NOE was submitted advising of such error. XXXX XXXX dropped the call, creating additional stress and time creating another call back and being on hold for almost an hour only to be rerouted the the bankruptcy department hung up on significant hold times. 

I was unable to to speak to a supervisor today, and was advised I will receive a call back later today. This has caused unnecessary anguish and stress. 

Also due to the incorrect credit reporting I had to pay a higher interest rate on a vehicle I recently purchased where this issue was brought to my attention again. 

Additionally - the Periodic Billing Statements did not have the appropriate Bankruptcy disclosures for a discharged non-reaffirmed chapter XXXX since the loan was coded as such.

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 2016-11-30
Company: Westlake Services, LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Sent from my iPad Begin forwarded message : Good evening my name is XXXX XXXX, the reason for this email is .I purchased a vehicle last year in XXXX from XXXX, although I was n't approved the first day .My salesman called me the next morning stating he had gotten me approved for a 2013 XXXX XXXX .Since having the car it 's been in the shop three times, then when I called today because of the payoff amount .I found out west lake is charging me an extra XXXX XXXX dollars in interest, plus I 'm going to end up paying XXXX XXXX XXXX dollars for a XXXX .Now I will take the blame on my part for not throughly reading every word of that contract .Yet I was never told by my sales man, that I 'd have to pay that much and he never informed me that I had the options of choosing any vehicle that fell in that amount .When I try and trade the vehicle in, I ca n't because of the negative equity in the car, and no one will refinance because of the price .So pretty much I 've been throwing money away because I 'm still owing XXXX after paying a year .Ive paid almost XXXX $ into that car and every dime has gone toward interest of XXXX $ a day .If I would have none any of this, I would have went to a buy here pay here .I have read all the negative reviews on XXXX, also on the consumer affairs web site about west lake .I serve XXXX XXXX and I do my best to treat others the way he instructs me too, He claims he 's helping the consumers, Yet how can you say your trying to help people that have bad credit, when your charging them XXXX $ in interest. I got this car for my wife so she could get back, and forth, now it has caused unexplained XXXX in our marriage .Im so upset seeing how people can have billions of dollars by hurting others He should be featured on XXXX XXXX. I thought by paying each month for a car note that is due each month, that I 'm paying on time yet I learn today each day after the XXXX, I 'm being charged XXXX $ a day .Im not going to continue to focus my energy on this matter because regardless of how XXXX XXXX XXXX doing unethical business, XXXX is still in control and he fights all my battles .No! I do n't have a home on the beach or billions in the bank, but I do have integrity and the favor of XXXX .I XXXX some one realize that west lake financial services is not helping anyone but The XXXX.I understand that this is a XXXX crime, and the FBI has more important issues, but the XXXX Massachusetts has sued them .The director of consumer relations has sued them .Yet this con artist continues to steal and deceive hard working Americans.Honestly he is worse then XXXX, please please look into this company, have a blessed day Sent from my iPad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 TAKEN A LOOK OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND INQUIRIES REPORTING ON MY CREDIT FILE. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2022-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
NOT MY ACCOUNT : Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$12.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$10000.00} Highest balance {$12000.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$7600.00} Highest balance {$8800.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$3600.00} Highest balance {$4300.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$850.00} Highest balance {$860.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$1200.00} Terms NA On record until XX/XX/XXXX NOT MY INQURIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$470.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$470.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX NOT MY NAME : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Federated Law Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am a XXXX and they are calling the XXXX saying that they need to speak to me about a debt that I owe. I have informed them to send anything that they believe that I owe on paper by mail. They have been told Do Not contact me at work or speak to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is misinformation on most of my credit reports and I would like it changed.

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 2020-10-02
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX/XXXX  has placed {$610.00} of unauthorized, automatic enrollment charges to the account and has failed to acknowledge cancellation of the service agreement within the stipulated cancellation period of one week. The account ha now been turned over to a collection agency, Convergent Outsourcing who has reported as a delinquent account on my credit reports - account # 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 2022-09-16
Company: NBT BANCORP INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, my partner and I submitted a pre-qualification construction loan application for a house we were auctioning for. Later that day, the loan originator sent us another link to start a pre-qualification process. This created two loan applications. 

The loan originator said he had canceled the first application, but the bank nonetheless made two hard inquiries on our credit reports, one on XX/XX/2022, and another one on XX/XX/2022. 

On XX/XX/2022, we followed up with the loan originator, and asked him about this, since we never authorized two hard inquiries. We again followed up on XX/XX/2022, when he said he had sent this to upper management. 

We again followed up on XX/XX/2022. On XX/XX/2022, he just responded that he had " sent this on a while ago. '' On XX/XX/XXXX, he said he would send it to their credit agency representative to ask for removal. 

On XX/XX/XXXX, we called the three major credit agencies, and only XXXX took it off the credit report. However, XXXX and XXXX required a letter from NBT Bank specifically requesting the removal. We sent him that via email, and we tried calling the bank several times but we could not get ahold of someone that would talk to us about it. They only took our information and never called back. The loan originator never responded to our email. 

So now we have an additional credit inquiry that shouldn't be there and a bank that won't help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: APR or interest rate

Complaint:
Chase credit card services dropped our SCRA in XXXX 2015 conveniently while our military family was XXXX. In XX/XX/XXXX I realized that the APR % went from 6 % to over 20 %! I contacted the bank immediately. They informed me that the SCRA benefits expired and I would need to resubmit information. I did so on XXXX XXXX, 2015 and got a confirmation that they received it. Today on XXXX XXXX, 2015 I had to call again since the benefits wer not applied yet ( 3 month later ). The representative " XXXX XXXX '' told me she did n't see were I sent them and if I resent the paperwork today that they would expedite the request, and call me back to confirm it was received. I resent it via secure messaging on the site as we spoke and received the same " confirmation '' email, but no one ever called me. I have come to a desperate point and feel that they are taking advantage of our military family. I can attach screenshots of both SCRA information messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
Lender : Santander Consumer USA Date Opened : XX/XX/XXXX Loan Amount : {$23000.00} Date Closed : XX/XX/XXXX Amount Paid in Full : {$23000.00} As of XX/XX/XXXX Santander Consumer USA has yet to assist with accurate reporting, after Account was Closed and Paid As Agreed, as well as reporting derogatory items Foreclosure/ was a repossession. After numerous disputes dating back to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I contacted TransUnion via mail multiple times within the last 5 months regarding inquiries on my credit report, and TransUnion did not verify and was not able to provide information that I requested and showing proof that the inquiries were verified. I'm a victim of a fraud and TransUnion did not help or give any information. Then today XXXX, XXXX, I called the TransUnion and told them that multiple letters have been sent regarding the unauthorized inquiries on my credit report and the representative did not assist me in this matter. there are 26 UNAUTHORIZED inquiries on my Transunion report and they did absolutely nothing about it. 
Here are the Inquiries : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
I withdrew a cash advance from credit card XXXX/XXXX/16 for {$1200.00}. The fee for the advance was {$60.00}. I have a 0 % introductory purchase apr that expires XXXX/XXXX/16, at which time it converts to 23.24 %. Cash advance apr begins accruing immediately at 24.24 %. The minimum payment for the account was {$25.00}, due by XXXX/XXXX/16. On XXXX/XXXX/16 I made a payment for {$1300.00}. They did not apply this {$1300.00} payment to the cash advance. When I called and spoke with them they said they could n't see how the payment was allocated and they would have to escalate it to maintenance to find out what happened to the money. My current statement for XXXX/XXXX/16 shows my cash advance balance as {$1300.00}. There have been no other cash advances made during the life of this account. My promotional purchase apr has not expired yet. At this time my cash advance balance should be {$0.00}, as I payed it off 13 days after opening it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
JP Morgan Chase is not crediting my 2 years of principal payments or trial payments to a new loan modification offer, after I became unemployed for 6 months. I made all my deferment payments and all my trial payments and am now gainfully employed again. So they are in my opinion, stealing all the principal payments I made prior to becoming unemployed and unable to make my normal payments, as well as, in my opinion, stealing my trial payments. None of them were applied/credited to the new principal balance offered in my new loan modification documents. The principal balance was completely misrepresented at a loss for me of approximately $ XXXX principal dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2022-09-16
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX XXXX XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions According to my credit reports XXXX XXXX XXXX, XXXX posted on all three credit bureaus that account # XXXX had been placed for collections on XX/XX/2022. I was not notified from XXXX XXXX  until XX/XX/2022 that the account was sold. XXXX XXXX XXXX, XXXX did not notify me until XX/XX/2022, but had already opened the accounts under collections.

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 2022-09-16
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX XXXX XXXX Account # XXXX, have violated my rights. 

1

5 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions According to my credit reports XXXX XXXX XXXX, XXXX posted on all three credit bureaus that account # XXXX had been placed for collections on XX/XX/2022. I was not notified from XXXX XXXX  until XX/XX/2022 that the account was sold. XXXX XXXX XXXX, XXXX did not notify me until XX/XX/2022, but had already opened the accounts under collections.

Company response to consumer: Closed with explanation