BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is allowing XXXX XXXX to illegally report a re-aged charged off account on my credit report. I disputed this information with Equifax credit bureau and they informed me that XXXX XXXX verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, I am a victim of Identity theft, somebody withdrawing money from my XXXX  checking accounts, so I froze them. I gave a complaint to FTC.gov and also a police complaint. 

On XX/XX/22 and XX/XX/22 I received XXXX  letters from Citizens bank. It appears somebody got into my dormant savings account using my SSN and presented XXXX counterfeit XXXX checks with forged signature ( {$5000.00} and {$2500.00} ). As I already froze that account, those checks returned back. That impersonator withdrew {$1000.00} even before the checks were returned. So my account went to a negative balance of $ XXXX XXXX x {$20.00} return check fees. Prior to this incident, this account only has XXXX cents and it has been dormant for a long time. 

I immediately called Citizens account and reported about this fraud. Later as there was no response, I called multiple times and always they mentioned that somebody from claims department will reach out for me in 1-2 business days. No one ever called back and made multiple calls and it was the same answer all the time. They mentioned that there is no direct line to Fraud department. 

On XX/XX/XXXX, they sent me a letter stating that they are closing the claim as per my request. I went to a local branch and mentioned about this and they mentioned that they will talk to regional manager. On XX/XX/XXXXbranch manager told me that they are helpless as the claim is closed and that deficit in the account is my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, XXXX a payoff posted to my account in the amount of XXXX from XXXX XXXX from the trade of the XXXX XXXX. That was the payoff amount that I received from the system. The account was closed as well. For some reason I decided to login my account and say that it had been reopened with a balance of XXXX due on XXXX XXXX, XXXX. Lets keep in mind that I do n't have this vehicle anymore and it was paid off because I received another vehicle. 

I called in about a week ago and in the notes they put that payment was applied incorrectly and that it was reapplied. Then something was noted about a returned payment from XXXX months ago. I do n't know how that is possible. What I do know is that no extra money had been put in my bank account and no payment was returned. In addition, XXXX XXXX Sent me a refund of about XXXX on a refund card that I received in the mail the weekend of XXXX XXXX. 

I need this rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
On Monday, XX/XX/2022, I was shopping for student loan refinance rates. Many lenders will provide refinance quotes without doing a hard credit inquiry. I was trying to determine if Navy Federal did the same. After finding an article published by Navy Federal at this url, XXXX XXXX XXXX I felt secure in obtaining refinance quotes from Navy Federal without them conducting a hard credit inquiry. I thought, " Surely Navy Federal wouldn't publish an article that states that it is a myth that getting a refinance quote hurts your credit score and then conduct a hard inquiry when someone applies to them for refinancing quotes. '' I hit " Apply Now '' on their student loan refinancing webpage and entered estimates of my income and assets and then was presented with rates subject to change based on a complete credit application/pull. I did not move forward with any of the quoted rates or with this so-called " application. '' It turns out, Navy Federal did conduct a hard inquiry. 

The terms I agreed to when I submitted this " application '' authorized Navy Federal and/or their third-party vendor ( XXXX ) to obtain a personal credit profile from a credit bureau '' for `` credit pre-authorization. " The article published by Navy Federal is extremely deceptive. As are the terms I agreed to in obtaining refinance quotes because " pre-qualification '' does not translate to a hard credit inquiry in the general and logical sense. This language is ambiguous and should be construed against the drafter of these terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a Loan Modification about a year ago, and after several months I fall ONE MONTH behind, but I was able to keep making my monthly mortgage payments every month, ( with one, or two months ain arrears ), and they keep accept all my payments. 

when the COVID19 strikes, I applied for a Loan Forbearance at my Servicer 's website, and the wrote me a letter stating that they accepted the Loan Forbearance by 3 months, but at the 4th month I need to pay more that {$15000.00} I am writing them back telling them in writing, that I do not accept this Forbearance, and that we can make other types of arrangements. I will call them soon, but just in case I am filing this complaint. 

My monthly payment is {$1600.00} a month. I was paying this amount every month. I GOT ALL THE PROOFS I wont pay XXXX I cant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am submitting this complaint due the abusive practices of Wakefield. I am not under the influence of any third party or agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the debt with XXXX XXXX XXXX and closed the account on XX/XX/XXXX. TransUnion has not updated the status of this account since XX/XX/XXXX and and refuse to update the account to paid and closed. As of today, that collections account is still showing as open and derogatory in comparison to XXXX and XXXX who shows it as paid and closed. I have sent numerous correspondence to TransUnion however they refuse to update the status of the account in order to report accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: OK
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:
Top whom it may concern, I am reaching out to file a complaint on the credit bureau Experian. I submitted a Request For XXXX XXXX dated XX/XX/2021 and XX/XX/2021 regarding 2 entries on my credit report in which Experian neglected to appropriately respond. After 2 requests, 30 days apart from each other, Experian responded by email that my dispute was concluded and credit report was updated. I have not received correspondence answering my request by postal mail or email the information regarding the dispute ( The Experian employee that conducted the investigation, who they spoke with, their title, contact & any data used to support the accuracy of the entries ). The credit report entries are titled US BKPT CT IL XXXX REF # XXXX. And XXXX XXXX XXXX Account XXXX. 

The issue that exists, is that over the past 6 months Ive been engaged with them over this matter regarding the accuracy of these accounts with no success ( only an alert that the report was updated ) and am requesting assistance from your office to resolve this matter. If Experian continues to refuse to comply with this request I am asking that they remove these account entries and send me an updated report reflecting those removals. 

Thank you, XXXX 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 2017-09-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chase has been calling me repeatedly XXXX to 3 times a day about credit card debt owed. I had told them to stop calling but they will not. They are now even contacting family members and harassing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Im a co-signer on my daughters ( whos a veteran ) XXXX XXXX account. Prior to the co-signing, my credit scores averaged between XXXX and over XXXX. Now, it has dropped to an average of XXXX to XXXX. Its enough of a drop that in researching to apply for a home modification loan, Ive been told that it will affect the results of a new loan. The credit companies are basing this on one sole late payment, caused by the militarys red tape in adjusting my daughters XXXX status, which is why it was necessary for her to have a co-signer. Why should this be allowed, especially since she hasnt had a late payment for almost 3 years. Is it necessary to affect two individuals lives based on one late  payment? As a recently retired XXXX ( XX/XX/2019 ) it is crucial that I maintain good credit scores, which if not for the one late payment would be flawless. Furthermore, as a Veteran on XXXX, it causes undue stress and hardship on my daughter, as well as on me. The credit companys overzealous action is unequivocally uncalled for, and therefore, Im asking that it be removed from my report, and hopefully, from my daughters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: MORTGAGE CENTER, LC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I contacted Mortgage Center LLC, as advised by XXXX XXXX XXXX, in regards to a mortgage pre-qualification. When I met with the loan processor I explained I had a foreclosure and that my mother, who lived in Minnesota at the time, and I were purchasing the property. I provided documentation of the Sheriffs sale, as well as a letter from my mother 's insurance company documenting where the down payment was going to be paid from, and was provided a pre-qualification letter from Mortgage Center LLC. 
By XX/XX/XXXX we had identified a property and began the purchasing process, looking to close in XX/XX/XXXX. Throughout the process we were asked for the same documents multiple times. As we approached our closing date, but had not received a clear to close, I was contacted by our loan processor stating she had filed the wrong mortgage application. She filed a conventional mortgage application, but stated she needed to file a FHA mortgage application due to the foreclosure, which was over four years past, on my credit report. She also explained the appraisal that we paid for was not valid through FHA and that we needed to secure another appraisal. 
The FHA appraisal was completed and there were still multiple issues with regards to communication with the mortgage company. My realtor, my mother 's insurance agent, agents of the title company, myself and mother worked very hard to complete the process with the mortgage company, only to have terms change repeatedly. When we finally secured a closing date, we were advised by Mortgage Center LLC staff to pay closing cost with the funds they could validate in our personal accounts and apply for a loan reamortization once we received our funds from the insurance company, as the title company would not accept a third party check. 
The funds were secured from the insurance company and sent to Mortgage Center LLC. We were later contacted and informed they would return our funds as our mortgage could not be modified because it was an FHA loan. We were instructed to apply for a modification in two years and pay all associated fees. The entire process has cost my mother and I additional funds, unnecessarily, due to Mortgage Center staff 's lack of knowledge about their business and professionalism. I am concerned about possible fraud and unethical lending practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Lendmark Financial Services
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attempted to contact Lendmark several times attempting to address this loan ; however they are unable to locate or provide any information concerning this loan that they are reporting on both credit report. I would like this information deleted and removed from my reports as they are not able to locate and provide needed information concerning this account. I have spoken to supervisors who never called me back to provide any updates on account to see if it was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have just graduated from my university on XXXX/XXXX/XXXX. Great Lakes says that I will begin repayment on XXXX XXXX, XXXX. I believe that I am entitled to a grace period that would make my payments not due until XX/XX/XXXX. The representative whom I spoke with today stated that there is only XXXX grace period over the life of the loan. The information that I have read online leads me to believe that this is not the case. I will be happy to start making my payments in XXXX, but am not willing to skip my grace period, to which I am entitled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XX/XX/2017 and XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: NJ
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  Account # XXXX has 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 reporting agency can not furnish a account without my written instructions.

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 2017-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
last year I opened a checking account with Chase, and got a {$300.00} bonus for that, but they charged me {$84.00} Federal interests withholding, which was not supposed to happen at all. According to the IRS documents and Treaty between the U.S. and my country, international students are exempt from paying interests tax within their first 5 years. 

When I opened my account, I told them I was an international student holding an F visa, provided all my documents, including passport, XXXX, XXXX form, and also, I filed the XXXX form. 

However, within half a year, they failed to give it back, and they kept asking me to file XXXX form again and again. I think I submitted my XXXX form three times in total. But they still could not solve the problem. So I filed a complaint with Chase, the person said they could do nothing about that and tried to convince me to contact IRS to get my money back from them, which was not making any sense at all. 

Therefore, I filed a second complaint with Chase again. Unfortunately, I have never heard them back yet, it has been another half year, I guess no one in Chase was and will still care my complaint any more, since I have already closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX shows incorrect information on my Transunion and XXXX reports. On my Student Loans they show I have XXXX Loans but I only have XXXX loans which I verfied on XXXX. Both agencies have the same loan on my report 3x. I have filed a dispute more then once regarding such yet it is still not accurate. Also some of. the Student Loans are XXXX XXXX XXXX and still showing on my report as a negative mark. Yet my reports show my oldest account only being 5 months old. Therefore ensuring said accounts only hurt my score. Also my score has been brought down over 35 points since XXXX due to none payments on my Student Loans. Yet all student loans have been placed on hold since XX/XX/XXXX of XXXX and continue till XX/XX/XXXX, which is still three months away. When they failed to correct such through the online disputes I attempted to contact the agencies via telephone. During the call I was informed the call may be recorded on their end yet when I informed the agencie I was also recording even though in my State of Missouri I did not have to, they refused to speak with me and hung up on me.

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 2020-08-11
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date of Service-XX/XX/2013 Account Number-XXXX Balance- {$250.00} I am Disputing the debt that is 6 years 6 months old and do not recognize the debt as mine. 

Original Creditor-XXXX XXXX XXXX XXXX Florida Current Creditor XXXX XXXX or XXXX- XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: Empowerment Ventures, LLC
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am having an issue with Rush Card debit every so often my card is being deducted from without my consent, when I call to have the issue cleared I 'm being put on hold for XXXX min without any resolve iv'e had enough please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11
Company: SCOTTRADE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was formerly a Scottrade customer and former college intern at the XXXX XXXX Scottrade HQ. I am writing this complaint to express my dissatisfaction with Scottrade 's customer service. 

Specifically, as an intern I witnessed Scottrade management specifically instructed Scottrade employees not to help customers who have been the victim of hacks, are complaining about fees, or have complaints that require a " significant amount of resources ''. This corporate culture rubbed me the wrong way and I chose not to continue my internship at Scottrade and would advise others not to conduct business this this company. 

In regards to my Scottrade account, a Brokerage Account and a Bank Account, I closed them after taking my leave and moved my money elsewhere. However, recently, I was informed by Scottrade ( no differentiation between whether Scottrade Brokerage or Scottrade Bank was the entity ) that my personal information was exposed in the recent Scottrade hack. 

I written to Scottrade 's customer support and have not received a response. My concerns are as follows:1. ) Scottrade 's instructions for getting identity theft protection services do not work. Specifically, the phone number Scottrade provided did not work. 
2. ) Scottrade will not respond to my complaints or provide any explanation about the hack. 
3. ) Scottrade will not provide an explanation of whether Scottrade Brokerage or Scottrade Bank was effected. 

In light of the above, I believe Scottrade is trying to " short cut '' and " down play '' the seriousness of this hack in order to avoid having to spend money and resources on treating customers right. 

As a former customer who had his data released as a result of Scottrade 's incompetence, I would like Scottrade to respond.

Company response to consumer: Closed