BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: OK
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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
XX/XX/XXXX *CHAPTER XXXX BK DISCHARGED AUTO LOAN DEBT AS EXEMPT " SANTANDER AUTO LOAN BALANCE OF {$22000.00} UPSIDE DOWN DEBT FOR XXXX XXXX XXXX XXXX XXXX PURCHASED ON XX/XX/XXXX FOR {$17000.00} WAS DISCHARGED '' XX/XX/XXXX *SANTANDER SENT ME " NOTICE OF INTENT TO ACCELERATE AND REQUIREMENT OF STRICT COMPLIANCE '' LETTER ADVISING DEFAULT OF CONTRACT STATING LATE ON MAKING PAYMENTS DEMANDING PAST DUE AMOUNT OF {$2700.00} BY XX/XX/XXXX -- MY ATTORNEY ADVISED ME SAME DAY TO DISREGARD THE LETTER BECAUSE IT VIOLATES BANKRUPTCY DISCHARGE LAWS XX/XX/XXXX *XX/XX/XXXX XXXX XXXX WAS STOLEN FROM MY DRIVEWAY, IN THE MIDDLE OF THE NIGHT, BY AUTO REPOSSESSORS HIRED BY SANTANDER.. MY SON HAD DRIVEN HOME FROM COLLEGE THAT WEEKEND ON EMERGENCY MEDICAL LEAVE FROM UNIVERSITY OF XXXX WITH ALL OF HIS BELONGINGS STILL PACKED IN HIS TRUCK, WHEN WE WOKE UP THAT SUNDAY MORNING TO FIND EVERYTHING GONE -- MY ATTORNEY ADVISED ME SAME DAY, THATS NOT LEGAL, BUT NOTHING WE CAN DO NOW XX/XX/XXXX *LETTER FROM SANTANDER STATES DECLINED FOR VEHICLE LOAN DUE TO " PREVIOUS REPOSSESSION '' XX/XX/XXXX *DECLINED AUTO LOAN BY XXXX XXXX, SANTANDER AFFILIATE XX/XX/XXXX *CREDIT INQUIRY FROM SANTANDER AUTO DECLINED APPLICATION FOR AUTO LOAN XX/XX/XXXX *OFFICIAL DOCUMENT LENDER PRE-APPROVAL FROM GOVERNMENT APPROVED LOAN TO ASSIST WITH AUTO LOAN QUALIFIED BY SPECIAL LENDING FROM BANKRUPTCY DISCHARGE DIVISION WITH XXXX DOWN PAYMENT ONLY NEEDING COPY OF TDL WITH PROOF OF INCOME DECLINED BY SANTANDER AS THE SPECIAL BANKRUPTCY DISCHARGE LENDER IT'S BEEN THREE YEARS AND FIVE MONTHS SINCE BANKRUPTCY DISCHARGE AND I STILL CAN NOT OBTAIN AN AUTO LOAN DUE TO SANTANDER FLAGGING ME TO ALL OTHER LENDERS AS A REPOSSESSION AFTER BK DISCHARGE WITH AN ATTEMPT TO COLLECT DISCHARGED DEBT ON VEHICLE THEY TOOK WITHOUT LEGAL COMPLIANCE TO BK RULES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To date Amerinat refuses to send monthly mortgage statements. The last statement I received was XX/XX/XXXX. A door knocker was left on my door when I reached out to Amerinat on XX/XX/XXXX I was not provided information about my loan balance. Every prior statement there was a major past due increase added the amount to reinstate my loan making my loan balance increase more. They send letters from their attorney but never approve a resolution as I was denied a loan modification. Never was given the opportunity to find out why I was denied but no help from this company at all. I get no answers to my questions about my loan. My loan balance has increased not decreased since purchasing my home in XXXX. I am in active bankruptcy and I inquired about the post partition payments made to my account. Again nothing was shared. And then I was hung up on. This is my third complaint as I have received no resolutions. It is totally unfair for a customer to be ignored and mistreated with no clarity or answers. So if there are no answers why is my loan always threaten with foreclosure. This company truly want to take my property. Something definitely need to be done to hold Amerinat accountable. Its companies like this that consumers dont need. There needs to be an investigation as I know I am not the only client who has been mistreated. This clearly appears to be a form of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: CA
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 have a hard inquiry on My Experian and XXXX  credit report as of XX/XX/2019 from XXXX XXXX. XXXX XXXX says they never made an inquiry and to call Experian to take it off there is nothing XXXX XXXX can do about it. Experian says call XXXX XXXX and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as XXXX goes someone fraudulently made a Credit Card application from XXXX XXXX and the Hard Inquiry in on there from XXXX XXXX. XXXX XXXX says they only made the Hard inquiry to XXXX  and not Experian. XXXX XXXX has found that the application for credit was fraud and the XXXX inquiry on my credit report should be removed but they told me to contact XXXX to do it. XXXX told me only XXXX XXXX can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2019-09-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/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 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Navient Solutions, LLC.
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:
This is in response to complaint XXXX. Once again, I did not question whether or not I have an account with Navient, I stated that you are reporting inaccurate information to the credit reporting agencies because the information is not consistent and they are reporting different payment history, payment, status, and so forth. This is not in compliance with FCRA. You are not furnishing accurate information for the credit bureaus to report. You have yet to contact them to correct the information I have been telling you is incorrect. You sent notices of correspondence saying that a payment was past due, but where is the historical data of the payments? I do no recall being late on the dates suggested. This is my last request before I am willing to take this to court because this is not legal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove them from my report.

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 2023-02-21
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$8700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered an e-gift card from Macys for {$100.00} on XX/XX/XXXX to be sent to my home email and it was never received. The order number is XXXX. I called right away to let them know it was not received and they should cancel it but was told to wait a couple of days because some times it takes that long to get delivered. I have called Macy 's customer service at least 6 times to date and have repeatedly told them that the gift card was never received. Every time I called I was told the {$100.00} was in the process of being credited back to my Macy 's credit card account and I would see the refund posted in 3-5 business days. Today I called again ( 22 days later ) to ask when my refund would be processed and was told that the gift card was intercepted by some fraudster and since it was used I would not be getting my money back. Had Macy 's cancelled the card when I first called on the day it was ordered it would not have been able to be fraudulently used. Macy 's policy states that once a gift card is delivered if it is lost or stolen the customer is responsible but this card was never received by me which is evidenced by my numerous phone calls to their customer service department. As a result, I respectfully ask that you please help me obtain a refund for the {$100.00} e-gift card that was never sent to me by Macys.

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 2023-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ultimately, my debt is invalid or inaccurate, and I have the right to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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 DONT RECOGNIZE ANY OF THIS INQUIERIES ON MY CREDIT 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

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 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
All the Complaints that was CLOSE stated due to DUPLICATE!!! This are not duplicate Complaints they refuse to Answer the complaint. So when they said Duplicate then Complaint was Close and could not be reopen. If they were duplicate they should have CUT and PASTE to show the duplication. They should have not been allow to just not answer and close the complaint.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Mailed via certified mail an identity theft report with a hand written letter, a copy of my drivers license and social security number as well as the fraudulent accounts highlighted on my credit report to XXXX ( received XXXX XXXX ) and Transunion ( received XXXX XXXX ). Both companies have refused to remove the hard inquiries that occurred during the incident of identity theft as well as the student loan accounts. They have closed out the dispute without removing all information associated with the identity theft. I have called to follow up with XXXX on XX/XX/XXXX and was told I needed to file an additional FTC report to get the hard inquiries removed. I followed up with Transunion on XX/XX/XXXX and was told that they can not remove the hard inquiries and that I have to take it up with the credit companies.

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 2019-04-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mother passed away in XXXX. She had a house with a mortgage from XXXX. There was a will, I, her only child was to inherit the house ( and mortgage ). I began making payments. No lapse. Then, about 5 years ago the loan was sold to Bayview Loan Servicing LLC. To clarify, I do not live in the house my Uncle does. Since my moms death, all mortgage correspondence came to my home address where I now reside. After the loan was sold, I noticed my name dropped off the bill and when I called to see why I was informed that I appear nowhere and they cant give me any info on the loan. Over three years, I submitted copies of the Will, the Short Certificate of Death and the estate information. 
It doesn't take. In XXXX they sent an oddly addressed letter to my moms house ( never did that before ) demanding officially for information. I yet again submitted the documents in XXXX. Now, another letter has come to my moms house stating that the documents were insufficient and the foreclosure process will begin. 

I called today ( XX/XX/XXXX ) and after 45 minutes no one could tell me WHAT OTHER documents they required and could not answer my question. Instead I was told to write a letter in dispute that would then be reviewed by their legal dept and THEN they could let me know what more is needed. Ha. Will I have my house by then? 

Important to note : I pay extra on my mortgage every month which went to principal ... since XXXX took over, the are holding my extra money in a " suspense '' account! Of course, they can't do anything to change that because I'm not on the loan. 

This mortgage has a balance of about {$6000.00}. 

Also, discovered my mom 's deed is not in my name despite the estate set up and Will. I am on that and getting a lawyer to complete the transfer as I write this. 

I just feel like this company is really trying everything they can to get my childhood home! It's been absolutely unbelievable to deal with. Very shady practices indeed!

Company response to consumer: Closed with explanation