BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am a victim of identity theft. I have disputed the items and they were removed after being proven they are not mine and the same exact debts have appeared back on my report for a second time after being sold to someone else again and the bureaus continue to re-insert the item. I have also requested to remove the fraud alert in writing for a short period and they did not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion failed to do a proper investigation into a dispute reinvestigation That I previously requested, to date TransUnion has not done any investigation into this matter, however they stated in a previous CFPB complaint that they did ( that was a false statement ). On XXXX, XX/XX/XXXX and XX/XX/XXXX TransUnion has not sent me a response or update. TransUnion did not do a proper investigation as required by the FCRA. I have attached evidence to this complaint showing TransUnion never investigated nor updated my credit file, I have also attached a court document showing the account on my credit file is invalid. I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE : XXXX XXXX DOCKET NUMBER : 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 2022-11-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Southwest Business Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
SWBC Mortgage - South West Business Corportation ... 
I interviewed several Lenders and informed them of my ultimate goal is to purchase a new home in XXXX, CO & need a lender that is willing to use income from my Rental properties. 
XXXX XXXX with SWBC said ; We can use Income from Rental Properties to assist with LTV and we will have all your information & documentation in our system as we move along in the process. But first, let 's start with Refinancing one of the properties. They approved me for a 75 % LTV w several stipulations, I met the stipulations but their system was not accepting them, so they had to reduce the approval to 70 % LTV. I asked what it would take to get qualified at 75 % and XXXX said ; I would need to increase my base pay to $ XXXX month. I informed him that I 'm having an annual review & expecting a substantial raise in XXXX and will contact him then to re-submit my loan. 
I received an excellent review and increase in pay to $ XXXX. I sent XXXX and copied the General Manager ; XXXX XXXX. This is the email I received from XXXX : " We are now using a new computer system and it 's been too long so we would basically need to start from scratch. We would need all new documents, appraisal, etc. 
I do n't have the capacity at this time to handle the new business so I 'm going to have to pass '' This is so 'UNPROFESSIONAL ''!! ... and wasted ALOT of my Time and Energy. 
So I contacted XXXX the General Manager to let her know how unprofessional this was and asked if she could refer me to another Originator and she started to point out all of the issues and challenges they had with the loan! ... .and when I started to tell her : I had NO idea there were issues or challenges, she started to get defensive and making false accusations at me ... I quickly realized from the reaction of the GM that I was being Profiled & Rejected due to Prejudice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was an XXXX XXXX grad of XXXX XXXX, Michigan and recently was informed of the CFPB 40 % reduction deal for students with Genesis loans. I was told the reductions would be automatically applied to my accounts. After a few months with no reduction, I called Genesis and was told that the government decided which loans were to receive the reduction and apparently my loan was not XXXX of them. Is this the case?

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 2016-08-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a proper dispute with Equifax on a reported judgment that was never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed this judgment with Equifax , sent Certified mail ( tracking # XXXX ) on XXXX/XXXX/2016, on the grounds just stated. Equifax received my dispute on XXXX/XXXX/2016 according to USPS tracking information. My dispute results are dated XXXX/XXXX/2016 where Equifax states that the results for the judgments are : 1. ) We have verified that this public record is reporting correctly. 

I have checked with my XXXX County Clerk of Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached ). In my dispute letter, I asked Equifax to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that Equifax has not properly investigated this matter within the few short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX County Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) for XXXX County. The county has no record on file matching what appears on my credit file. 

I have also included a printout from the XXXX County website which shows the website used to search XXXX County public records ( XXXX ) is the valid source to find these documents. This list shows all of the public records that exist in my name, none of which is the judgment being reported in my credit file. I have also included the letter originally sent to Equifax , the credit report with disputed judgments, the USPS tracking ( # XXXX ) showing the timeframe between the dispute being received and the results being sent, and the results of the Equifax dispute. Please delete this judgment from my credit report. 

Please use the proper resources provided by the XXXX County Courts to research Recorded Documents/Instruments, as an automated verification with a third party, or using lists of case files are not thorough investigative actions in researching valid Recorded Documents. 

XXXX County Register 's Office at ( XXXX ) XXXX XXXX County Land Records website is XXXX ( Clerk of Court will verify that judgments are in fact listed here with real estate records and deeds if you call or email XXXXXXXXXXXX to inquire ). 

Thank you very much for your time resolving this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
First Bank was informed of Bankruptcy filed in XXXX and car has been paid by bankruptcy and in appears as a charge off on all reports and will appear till XX/XX/XXXX. I called bank they said they would fix but never was fixed car was on a loan from XX/XX/XXXX for 72 months but they still put till XX/XX/XXXX that is was on a month to month which is almost 10 years this needs to be fixed it was reported before but still on my report all other loans have been cleared by other banks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the XXXX XXXX for a payday loan they said they I owed. XXXX months later they keep calling me along with Midwest Recovery Systems for the same loan.Neither company can tell me who the loan was originally through or provide proof that the loan is mine. I do not recall ever having a payday loan with the company listed on my credit via Midwest Recovery ( XXXX XXXX ). 

I have already paid XXXX XXXX for this loan and have still been receiving harassing calls where the company representative is yelling and threatening me via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently opened a Citi priority checking account for a welcome offer. To qualify the welcome bonus, I transferred XXXX dollars after account opened. 
Several days later, I received email from Citi that they're closing my account because I violated their client manual!? 

I called several times but they can't give more details- and they will return my fund after my account closed, via mail checks. 

This is really bad that I don't know what happened and my XXXX fund is locked for these times.. And still haven't got them back, feeling unsafe.

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 2015-11-09
Company: BlueChip Financial
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Loan date was extended without authorization or explanation. Amount required to satisfy loan has been paid according to contract originally signed. A loan was originally acquired with Spotloan on XXXX XXXX, 2015 for {$400.00}. Total amount to be paid is {$1000.00}. A payment was returned on XXXX XXXX, 2015 for insufficient payment. I received an email noting that {$10.00} would be added to my loan amount. This would bring the total to {$1000.00}. There were several emails with a " XXXX '' as to what I would need to do to bring my account current. I asked if I needed to make a double payment to make up for the situation. It was never explained that an extra charge of {$170.00} in interest would be applied. My contract states that my loan termination date was to be XXXX XXXX, 2015. An additional payment of {$58.00} was drafted from my checking account on XXXX XXXX, 2015 and my account still shows a balance of {$110.00}. They have been intentionally deceitful about their business practices and have been placed on a dispute list for XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I would like to file a complaint about my loan servicer ACS educational services. I submitted an IBR form online which was not accepted electronically. I submitted hard copies of my XXXX as well as their form. The years have not processed it. I repeatedly spoke to them and resubmitted the former following their instructions and their guidelines. They keep sending me reasons why they can not process my IBR. I have not had this problem with my other loan company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I met with a man by the name of XXXXXXXX XXXX XXXX in regards to renting a home. I provided him with my personal information and he approved me to move into one of his units. I paid {$1800.00} out of pocket and {$200.00} was due at my time of move in. On XX/XX/XXXX I was asked to met him at the unit for a final walk through at which time he demanded that I XXXX  him the remaining money in the amount of {$400.00}. Alone and scared I complied. I was given keys yet asked him to fix items that were wrong with the home. On XX/XX/XXXX I showed back up to the only to find him living in the unit. He physically removed me from the home. I went on XXXX and saw that he created a new posting and was attempting to scam other residents. He blocked me from all forms of communication, showed up at my job and completed authorized transactions on my banking account. The XXXX  reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Midwest Recovery Systems
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to check my credit score on XXXX XXXX ( as I do several times a month ), and I noticed a significant dip in my credit score from one of the reporting agencies ( nearly XXXX points ). After digging through my reported items, I noticed my score dropped because of a newly reported collection account from Midwest Recovery Systems. The account stated that I owed {$690.00} and that the account was opened XXXX XXXX 2016. The collection account was reported to the credit reporting agencies on XXXX XXXX, 2016. I never received a written statement saying a debt was owed, and I have n't received any phone calls from this collection agency. Also, I have no record of any debt owed to the company listed as the original creditor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
LOAN TYPE XXXX XXXX XXXX XXXX XXXX Unsubsidized LOAN PERIOD XX/XX/XXXX - XX/XX/XXXX I am having some family issue the following coming school years XXXX on so I took a semester break for the year. dealing with my issues plus time passes by I was going to decide to continue some semester again, but unfortunately the school announcing itself is being close down due to some series learners and parents complaining about its teaching. I try to find some way to get a hold of my credit units that I have completed and earn when I was attending from XXXX year, but no luck. Will I ever be able to get a hold of that transcript?

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 2019-12-05
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have reported my credit payments in correct time even so they have lowered my credit score without evidence and the score is incorrect

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 2022-11-07
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022, I purchased a Vanilla Gift card at a local XXXX. I put {$500.00} on the card. When I tried to use the card the next day, the transaction declined. I looked at the card account information online and found that someone had made a {$490.00} ( pending ) charge to XXXX. The card was in my possession the entire time, and I did not use the card online, and I didn't share the card information in any way. I don't understand how someone could have stolen the card information so quickly. 

I promptly alerted the gift card company by calling the phone number on their website. I followed their instructions for filing a dispute and emailed the requested information to them the same day. Over the past few weeks, I have not received a refund from the company nor any communication even though I have requested an update on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: IL
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:
I called Experian in regard to an identity theft case. I was hung up on by a rep named XXXX. I kindly requested for the hard inquiries on my account that have no written consent to be furnished on my account.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: MA
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:
Hello, Ive sent a dispute to recently experian agency about XXXX XXXX  account that was being reported inaccurate through CFPB. The FCRA says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must atleast respond in 30 days, and if they fail, the disputed item is required to be removed. This is fair violation of the investigation methods in which this past 30 day period.

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 2022-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX my car was repossessed by Santander Consumer USA. I was able to pay off the balance to reinstate my car loan. I continue to have problems making my monthly payments since. I have attempted to refinance my vehicle with Santander but was told that this is NOT an option ( they do not refinance sub prime loans ). 
Santander is one of the major players and profit from consumers like myself with subprime loans. 
The State of California ( Attorney General - XXXX XXXX filled a complaint in the best interest of THE PEOPLE OF THE STATE OF CALIFORNIA filled on XX/XX/XXXX ( THE PEOPLE OF THE STATE OF CALIFORNIA ( XXXX XXXX XXXX SANTANDER CONSUMER USA INCXXXX ( DEFENDANT ) CASE # XXXX. for violations of the unfair competition Law ( UCL )., Business & Professions Code section 17200 et sew. Santander had violated and CONTINUES to violate to the present day XX/XX/XXXX Californias consumer protection laws by placing borrowers with subprime credit into auto loans it knew and knows carried/carries an unacceptably high probability of default. The court awarded the settlement in favor of THE PEOPLE OF CALIFORNIASantander Consumer USA was fined. The court also ordered that SANTANDER CONSUMER USA change their business practice and stop its UNFAIR LENDING PRACTICES. 
My used car loan originated on XX/XX/XXXX. My car was repossessed in XX/XX/XXXX. 
During the pandemic ( XXXX ) I had difficulties affording my rent, car loan and cost of living expenses. 
I have requested between XXXX day XX/XX/XXXX to work with my situation as I have had XXXX  twice and work injury. Due to the pandemic my work hours and salary were decreased not to mention my on the job injury. 

While speaking to SANTANDER CONSUMER USA customer service I have made payments on my car loan with added interest fees and having to agree to Santander contract that by accepting an extension of payment the life of my car loan will be prolonged and added interest rates will continue to add up. I am contemplating Bankruptcy  because paying a monthly used car loan of {$420.00} XXXX for XXXX XXXX XXXX is extremely high. 

Santander consumer USA is still making huge profits at the expense of consumer consumers like myself with sun prime loans. Even after paying the maximum I can afford I am told That this will Not guarantee Repossession of my car so what is the point? Their practices are harming consumers continuously. 

Signed, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
To Whom It May Concern : I have requested that you remove the fraud alert from my account. Please remove all freezes as well. Contact me if you have any trouble doing so. XXXX. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
They claimed they could not access the files I submitted as were password protected. I am requesting they remove the 30 days late report to XXXX XXXX XXXX XXXX from XXXX 2016. I tried and sent this info to them XXXX2016 without satisfactory results is what triggered this complaint. I have attached a readable file showing that this was reported in Error.

Company response to consumer: Closed with explanation