BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NY
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 off my lease with XXXX, and the mileage fees on time. I made my last payment on XX/XX/XXXX. However I was reported late for XXXX erroneously on Experian only. XXXX and XXXX were reported properly. I have contacted XXXX since XX/XX/XXXX over a dozen times concerning correcting their error. I have disputed the error with Experian, and have asked XXXX for my payment history and for account statements proving I was never late, but they refuse to cooperate. They are a corrupt financial organization. They sent me a document dated XX/XX/XXXX that the account was paid in full. This is proof that XXXX wasn't late. I have been denied credit as I sought a place for myself and my XXXX XXXX XXXX to live, and my fico score dropped XXXX points. I can't get a mortgage as I was verbally denied after my credit was examined. My online portal which allows consumers to obtain their loan documents is blocked because I mentioned an Attorney. There have been many complaints against XXXX which was verified by a law firm in Michigan where XXXX operates from/

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 2015-12-11
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please see my complaint # XXXX. The response was due from RS Clark on XXXX/XXXX/15. They have not responded. They have not validated the debt. They continue to break the law violate my rights and you continue to let them by not following through on the complaints they do n't bother to respond to. This is the XXXX one they have ignored and you DO NOTHING! Please instruct them to remove it from my credit listings immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
Both of the addresses and previous occupations listed on my Transunion accounts are incorrect and i want them all removed from my report and any accounts associated with that information

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 2015-05-15
Company: CASHCALL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had originally contacted XXXX XXXX, which I had agreed to pay a loan at 135 % interest for XXXX years until it was paid back. They sold my loan to CashCall, and I still paid religiously from my checking account for over two years. I was paying nearly {$300.00} a month when I only borrowed {$2400.00} originally. I finally got sick of them taking money from my account and told my bank that they were no longer allowed to continue to receive payments, because the last XXXX times they caused my account to overdraw. Now they have been calling me daily from several different numbers almost every hour trying to get me to pay them. They even called my job and I spoke to one of their representatives and told them that I was no longer going to pay them because I had paid them every month over the last XXXX years and XXXX months, and feel that I have more than covered the amount that I originally borrowed and the interest. I had to tell them to never call my job again. According to my math I have paid them over $ 8k and honestly feel that I do not owe them anything more. I have even been receiving calls from a Private Number repeatedly that I refuse to answer because I think it may be them and I really have nothing more to say to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have submitted numerous documents to obtain a loan modification from Specialized Loan Service, ( XXXX ) Loan No. XXXX. I never received their correspondence, even though I had a forwarding address since XXXX XXXX, XXXX ; they sent mail to the old address. I recently received the letter dated XXXX XXXX, XXXX, on XXXX XXXX, XXXX. I never received the requests for documents that were mentioned in the letter, and SLS has not set forth the documents that are needed. A Trustees Sale is set for XXXX XXXX, XXXX at XXXX. 
No reason for declining the modification was stated. We have submitted a new application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
m account was hacked and the bank froze {$500.00} dollars of my money on XXXX XXXX 2016 they still have not put it back in to my account when I talk to the FRAD DEPARTMENT THEY TILL ME IT GOING TO TAKE LONG IT BEEN OVER THIRTY DAYS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: IA
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:
Equifax will not remove items from credit report that don't belong and their customer service is not accessible by phone or internet. Phones are not answered and login navigation is impossible on the website. They should not be in business or have any involvement in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: FL
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:
CFPB please help me with this, Ive sent numours complaints. Both you and Equifax seems to ignore them.. Ive also reach out to Equifax via phone mail and fax. Ive requested information be blocked from my report. Ive sent ftc report, Equifax is reporting the wrong date of birth for me.. I sent in proof of idenity also. It my belief this information is fraudulent or Equifax has mixed me credit file.. This needs to be fixed ASAP. I have multiple accouts that are not showing on my report because, Equifax has the wrong date of birth..AGAIN THE IS WRONG & A VIOLATOIN OF THE FCRA, INFORMATIOM REPORTING MUST BE TRUE AND CORRET. IF IT NOE FIXED ASAP I WILL CONTACT LEGAL HELP..

1. WRONG DATE OF BIRTH XX/XX/XXXX//WRONG! ( CORRECT DATE OF BIRTH XX/XX/XXXX )!!!! PLEASE FIX ACCOUTS NOT SHOWING BECAUSE OF THIS XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX PLEASE FIX MY DATE OF BIRTH SO MY POSETIVE INFORMATION CAN BE FIXED AND ALL OF MY ACCOUNTS CAN UDATE AND POSTED TO MY EQUIFAX FILE. 

CLOSED ACCOUNT NOT MINE XXXX  1. XXXX XXXX-XXXX  XX/XX/XXXX 2. XXXX XXXX  XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7.XXXX XXXX-XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Its showing that the account is charged off but it was paid in full.

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 2020-03-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My Name is XXXX XXXX XXXX I have questions about my credit report. And also a question about a Lien was also placed on my report After a ChapterXXXX Bankruptcy case involving a XXXX  vehicle. And a title My concern about all of this is Nissian Sent me a relief from Stay form Of a final notice of a repo. Of this same vehicle I made several attempts for them to come get it they wouldnt. I have the original first day of purchase and in the state of V.a the 20 years is Almost in leaving Free clear of this Debt lien And a vehicle they was never worried about repression on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I chose this option to file a complaint because there was no filing option for my problem. 
I closed my Chase Bank credit card on XX/XX/XXXX. I need to get copies of my statements from XX/XX/XXXX to XXXX XX/XX/XXXX. I had a paperless delivery of my statements and need paper copies for tax purposes. 
I login to Chase online and Chase knew my name, address and phone number ( please see attachment ) but did not recognize my card number. 
I called XXXX and the phone number on the back of my card, XXXX, but could not get through - getting an automated reply that my card number is not recognized. 
My card is XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. 

I am filing this complaint to get paper copies of my statements since I can not get through to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Bliksum, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps repeatdly trying to contact me and I am not aware of who they are or any financial relationship I have with them. I asked them to stop calling me and cease all reporting activity as I am disputing this debt. I have sent the a certified letter but I have yet to recieve a response, but they continue to report negative false information that is hurting my credit report. Please help me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out an installment loan XX/XX/2016 for {$1700.00}. They paid off the balance of my car which was {$600.00}. When I signed my final loan papers, my payback the was on the screen stated {$2600.00}. I was off sick XX/XX/XXXX and when I looked again, my total payment for this loan was {$4000.00}. I immediately contacted them and asked them why it went up so much and they said this was the original amount. I tried to pull up the original info I signed and it wa sno longer available. I asked them how could they possibly charge me almost {$3000.00} for a {$1700.00} loan?? The interest rate is almost 591.00 % which is ridiculous! But with loop holes being in the Ohio consumer loan process, they get away with predatory lending which this is. They offer a loan amount to those who have bad credit and then charge a high payback along with ridiculous interest rates and fees. My car was almost paid off and now I am back in the whole with a 10 year old care fore 3-4 more years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can't get my equifax credit report. I have tried logging in online and it asks me to call their toll free number. When I call them their automated system can't verify who I am. Speaking to a rep doesn't help either none of the challenge questions they have for me match my real situation. I just want my credit report so I can fix it and see what the issues are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Netspend Corporation
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XX/XX/XXXX in an attempt to make my water bill payment for {$110.00}, I added the mistake and put {$1100.00}. Upon receipt of confirmation of the transaction, I immediately contacted Netspend to request they reverse the pending transaction. They stated I needed to contact the merchant to have them submit reason authorization should be released, etc. I informed Netspend that the merchant stated payment had not been processed, so therefore, they do not have the funds. The merchant agreed to help me out and sent a receipt to Netspend stating that they would only process the initial payment of {$110.00} for the water bill. Upon receiving the receipt from the merchant, Netspend still refuses to release my {$1000.00} back to my 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 2020-03-10
Company: Nelnet, Inc.
State: MD
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:
On XX/XX/2016 the department of education wrote a letter to XXXX college of there finding and there accreditation was lost .A as of XX/XX/2016 the school was closed. Loans were placed in my name without my knowledge I was mislead about graduation rates, job placement, student refund checks were never issued. Individuals financial aid office clearly took advantage of me as well of other students here ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get the free annual credit report from all XXXX  agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : XXXX : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

XXXX : I had to request it via contact Equifax : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Welcome Home Finance
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We did our mortgage through Welcome Home Finance. I had asked several times for the appraisal prior to closing. We did not get the appraisal information until we showed up for closing. I learned later that we were supposed to have been given that information no less than three days prior to closing. The appraisal was dated well before the three-day prior date, so there does n't seem to be any reason for Welcome Home Finance to have not provided it to us. Maybe a week or two after the closing we were contacted by XXXX XXXX at Welcome Home Finance and told that there was a document that they forgot to have us sign. It turns out the document was a paper stating that we had been given the appraisal three days prior. XXXX asked us to back-date the document ( which I 'm pretty sure is illegal in ANY industry ) which we did because we did n't understand. We were first-time buyers and just wanted to be done and move on with getting our home settled. All they needed to do was to provide us the appraisal when it was done and they would n't have needed to go around the rules and ask us to sign and post-date a legal document.

Company response to consumer: Closed
Consumer complaint received 2016-02-07
Company: Southwest Credit Systems, L.P.
State: VA
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:
XXXX erroneously submitted my account to a collections company ( Southwest Credit Systems ) about an amount that I did not owe ( i.e., unreturned equipment and early termination fee for home security ). I returned the equipment and did n't terminate my home security contract as I transferred service due to moving. This is all well documented. Southwest Credit Systems called me several times, including at work and I asked them to stop. In addition, I told them that I was disputing the charges. They indicated that they were looking into it. Well, they are still persisting in trying to collect for an amount that I do not owe via letter after I told them that this was in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-07-13
Company: Upstart Holdings, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On this date XX/XX/2022, I refinanced my XXXX car loan ( account number XXXX ). I did not realize I obtained two loans at the same time. XXXX XXXX Bank approved my loan ( account number XXXX ). XXXX sent a payoff to XXXX in amount of XXXX on date XXXX  Then XXXX XXXX XXXX  ( account XXXX ) sent a payoff to XXXX on XXXX XXXXn amount of XXXX ( Check Number XXXX ) and ( Tracking number XXXX ). Then XXXX sent a refund to XXXX XXXXXXXX XXXX on date XX/XX/ and credited on XX/XX/2022 ( account reference number # XXXX ). I am paying the XXXX car loan. XXXX XXXX Bank claims that it did not receive a refund from XXXX and keeps sending me notices for payment on that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to Santander Bank 4 times to verify this debt listed on my credit report. They have failed to reply to any of my request. 

I have a credit monitoring and each attempt to get this resolves has been ignored by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: ALLY FINANCIAL INC.
State: AL
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 was financing a 2015 XXXX XXXX through it was totaled out my insurance paid XXXX on it my gap insurance didnt pay the rest due to it being wrote up in the wrong person name it has lowered my credit score tremendously

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 2022-03-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Got a text from a bank company asking g if it was fraud but I don't even have a bank account with the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
was forced to recertify income but just found out I was not required to under the corona virus waiver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: ALLY FINANCIAL INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I requested a transfer of $ XXXX from Ally saving account on XX/XX/2022 to my external account ( XXXX, ending in XXXX ). The transaction ref # is XXXX. Somehow the transfer was not successful ( it is shown as Skipped ) and my XXXX account is shown as suspended in Allys website. I contacted Ally and was told the reverse was initiated on XX/XX/XXXX. I didnt see the money back to my account on XX/XX/XXXX and contacted Ally again on XX/XX/XXXX. I was told the money should appear in my account on XX/XX/XXXX. But there is no trace of refund at all. I called numerous times and was just given a reference number of case being investigated. My complaint points are XXXX ) Why would Ally even start the transfer if they thought my XXXX account suspicious and suspend it? 
XXXX ) Why no notice at all, no phone call, no message, saying they cancelled the transfer and any reason for that? 
XXXX ) Why was the refund/reverse taking so long? It is my money. I am suffering from the insecure feeling of losing the money ( and interest ). And I might need it in a couple of weeks.

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