BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention a serious violation of my consumer rights by SANTANDER CONSUMER USA. I have recently discovered that SANTANDER CONSUMER USA have reported a late payment on the above account number to the consumer report without my consent. This has had a negative impact on my credit score and has caused me great inconvenience. This is a clear violation of several laws that protect my privacy and financial information, including 15 USC 6802, 15 USC 6802A, 15 USC 6801, 15 USC 1681 and Privacy Act. Under these laws, financial institutions are required to obtain explicit consent from their customers before sharing any personal or financial information with third parties, such as credit reporting agencies. By reporting a late payment on my consumer report without my consent, your institution has violated my right to privacy and control over my personal information. 
Furthermore, I have reason to believe that SANTANDER CONSUMER USA has also violated my privacy rights by reporting my personal information to third-party credit reporting agencies such as XXXX, XXXX, and XXXX without my explicit consent. As a customer of SANTANDER CONSUMER USA, I have the right to be notified of any negative information that is being reported to credit reporting agencies. I also have the right to control the dissemination of my personal information and to ensure that it is only shared with authorized parties. 

I demand that SANTANDER CONSUMER USA rectify this issue immediately by removing the alleged late payment from my consumer report within 5 days upon receipt of this notice and providing me with a written explanation of the steps you have taken to address this issue. I urge you to take immediate action to rectify this issue and ensure that your institution follows all applicable laws and regulations. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
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:
In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : its also states 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 2021-07-01
Company: National Debt Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My mother received a phone call on XX/XX/XXXX from XXXX XXXX from phone # XXXX threating that she needed to provide him my info or he would have me served at my place of employment to be locked up by an officer and that he was trying to spare me the embarrassment and to give me IG # XXXX. When I called the phone number he left the rep. who answered did not identify herself when I asked the name of the company and the reason why they were reaching my mother? Instead asked for an IG # which I provided then started threating me stating I was a criminal and attempted to defraud the system and if I was familiar with a penal code? I then again asked reason for call she started making treats of taking me court which then I asked to speak to her superior. I then talked with XXXX XXXX who gave him is direct ph # XXXX and his company handles civil matters, they were a mediator for XXXX XXXX but that is was a debt collection call and didn't state why his employees were stating otherwise. I asked for a validation of debt which was not provided and also informed him they have now violated the FDCPA laws in place given threating and scare tactics not to mention mini Miranda not being read at the beginning of call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX - XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, DPT EDXXXX, US DEPT ED.

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 2020-03-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I contacted Wells Fargo ( XXXX ) regarding the change from suspended to active foreclosure status on my home. The mortgage had been in suspended foreclosure since XXXX of 2018. I was offered the opportunity to submit a request for what would be my sixth request for a loan modification over the last two years. I agreed and after transfers to the loss mitigation department, then to the escalation department I was advised that I was not considered for a modification because they had determined that I did not live in my home. No additional requests for information were made since the last review in XXXX of 2018 when I submitted a copy of my drivers license, insurance policy, utility bills, bank statements and personally met with an appraiser who came to inspect the property. I live in my home, this is my only residence. My case has been sent to the escalation department where it is currently being reviewed for modification eligibility. They again request proof of residency in the form of mail, which was forwarded two weeks ago. I have yet to receive a response which was promised on the XXXX day of XXXX. My foreclosure is set for XX/XX/XXXX. I would greatly appreciate assistance in determining exactly why my claims have been denied and finally be granted the consideration I deserve as a permanent resident in my home.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Illegal Furnishing of Collection Accounts and Harassment by Multiple Companies To Whom It May Concern, I am writing to file a formal complaint regarding the unlawful furnishing of collection accounts on my credit reports with XXXX, TransUnion, and XXXX by the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These companies have engaged in actions that have had a detrimental impact on my credit profile and financial well-being. 

I believe that these companies have no standing status within the state of South Carolina, where I am a resident, to pursue collection activities against me. Their actions amount to harassment, and I demand that they provide the correct information pertaining to their surety bonds, which proves the validity of their business affairs in South Carolina. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate these companies and ensure they comply with the necessary legal requirements in South Carolina. I further demand that each of these companies provide the requested information within 48 hours of receiving this complaint. Failure to do so will leave me with no choice but to pursue legal action against them for their continued harassment and violation of my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the appropriate steps to rectify this situation. Please feel free to contact me at [ your contact information ] if you require any additional information or clarification. 

Thank you for your assistance in addressing this serious issue. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: MORGAN STANLEY & CO. LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a male, XXXX  years of age. The E*Trade bank has refused service. Although the bank has verified all information. The bank on several occasions has been provided with all identifying information including, licenses, passport, written statements. However, the banks keeps on categorizing the account based on gender identity. The bank has also frozen the funds and therefore payments are not generally happening successfully. this has become very frustrating and it is very time consuming and frustrating. And expensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: HARBORONE MORTGAGE, LLC
State: VT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We use HarborOne for a mortgage, not because we signed the mortgage with them, but because they bought it from another mortgage lender. We paid our mortgage electronically on XX/XX/21 on their website, however the payment was posted to our bank account twice, once on XX/XX/21 and the same amount on XX/XX/21. We spoke with the mortgage company as soon as it was noticed and were told that we would get a call back in this regard, however no one called us back. On calling the company again, my husband was angry about not hearing back when he was told to expect the call, but the person we spoke to at that time had no empathy for us and gave my husband a hard time for his anger and then hung up on us. So much for customer service! We had been in contact with our bank as well, who informed us that there was nothing they could do on their end since the extra payment had already gone out. We did not authorize the second payment, and our statement has the second payment with the same amounts going toward interest, etc. If we had entered the extra payment, these numbers should have been different, since we had already paid toward interest. It is obvious to us that HarborOne was at fault for this issue, however even when we got through to a manager we were told in no uncertain terms that we had entered 2 payments, that it could not possibly be a mistake on their end. We were assured we would get the money back eventually, but that after both payments cleared their bank we would be sent a check. Meanwhile any other outstanding debits were going to bounce and incur fees. I understand that mistakes are made at times, however as we are certain that the mistake was on their end, it is very disappointing that the mortgage company continues to insist that the mistake was on our end, and that they will send us a check eventually.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a ticket on XXXX XXXX on XX/XX/2018 to fly to XXXX on XX/XX/2018 for {$1600.00} on flight XXXX. 
When I arrived at the airport on XX/XX/2018 to take my flight there were several delays and finally XXXX XXXX sent me an email on Saturday, XX/XX/2018 at XXXX XXXX stating that the flight would now depart on XX/XX/2018 at XXXX  and it gave me three options in regards to this flight : 1 ) hotel and meal voucher 2 ) full refund 3 ) new ticket with another airline and reimburse up to XXXX EUR. I booked a flight with another airline and I requested a full refund from XXXX XXXX. 
I booked a ticket on XXXX XXXX departing XX/XX/2018 at XXXX from XXXX to XXXX with a layover in XXXX flight XXXX. I flew on XXXX XXXX on XX/XX/2018. 
My assistant starting on XX/XX/2018 emailed and called XXXX XXXX several times per week requesting the full refund with no response from XXXX XXXX. 
My assitant, contacted Chase Sapphire on XX/XX/2018 and spoke with XXXX in the dispute department about the charge of {$1600.00}. Chase Sapphire credited my account {$1600.00} on the XXXX statement. Chase Sapphire contacted XXXX XXXX and received documentation from them in a form of a flight itinerary stating that I flew with XXXX XXXX and proceeded to rebill my credit card on my XXXX statement stating that I had I flown with XXXX XXXX. There is no conceivable way that I flew with XXXX XXXX on XX/XX/2018 as I flew with XXXX XXXX on the same day. The documentation that XXXX XXXX provided Chase Sapphire is fraudulent. My assistant contacted the FAA in regards to this fradulent documentation on XX/XX/2018. I have documentation from XXXX XXXX that I flew with them. I also have and email from XXXX XXXX stating that they would be refunding me the ticket on XX/XX/2018 at XXXX XXXX. All of this occurred before XXXX XXXX went out of business. Chase Sapphire said that my documentation did not support my side and has refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX I filed disputes with the credit reporting agencies and every time they have failed to show me how they are investigating my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just saw this DEBT BUYING company is constantly updating on my credit report. I sent LVNV a debt validation letter by way of the credit bureaus I asked for : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Familiarity with ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that they own the debt with full clear title ( 8 ). Proof that they were on the original contract ( 9 ). Proof they are bonded in the state of Florida ( 10 ). Proof they are who they claim. They did not respond, so their account has to be deleted due to the violation and i asked for a cease and desist phone calls and letters. they are still contacting me ( violation 1 ) now its XXXX of XXXX, they sent me another letter by way of a process server. ( violation 2 ) Not only were they unsuccessful in serving me, they served my UNDERAGED nephew that was visiting my home. ( violation 3 ) They never sent me a dunning letter to begin with. ( Violation 4 ) This company is illegally soft pulling my credit report. 

They are in violation of the FDCPA ; i will be filing a compliant with the FTC, XXXX, AG, and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-03-24
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I have reached out to the XXXX over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I modified my mortgage for a 30 year fixed rate which created a monthly payment of XXXX. In XX/XX/XXXX I lost one of my part-time job and Ditech told me about a mortgage foreclosure prevention agency in North Carolina. I applied and qualified, the granting agency through their credit consumer advised me that I did not have to pay the mortgage once I qualified for the grant. When I applied XX/XX/XXXX I was one month behind. Six months after the grant started  paying my mortgage, Ditech arranged with the granting agency to increase my monthly amount to XXXX per month. When I contacted Ditech they told me the original amount of XXXX on the loan modification would be restored when the grant period ended. Well almost a year later my amount was never restored to what the loan modification was and further they dont even have the loan modification now am I the one that is crazy, I have acopy of the agreement with signatures. So am I crazy no, but I am now facing foreclosure and my dad who is XXXX and very sick with XXXX and a double XXXX XXXX and XXXX XXXX XXXX lives with me. I am getting very sick and am at my wits end. What ditech has done to me and how they have failed to handle any of my complaints to correct the problem has made things worse. Further they have at times past denied I called and made a complaint. I don't know what else to do I just want the amount reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i lost my wallet cantaining my social sercuity card and my ID and i was a vitcim of idenity theft

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