BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, As a Citizen requesting for help. This company to my understanding they are a Used Car Dealer Finance Company in Texas. 
Me & my family live in South Florida never lived in Texas??? But the following company calls my Cell # XXXX from XXXX Registered under : SANTANDER CONSUMER USA Inc. Mailing Add : XXXX. XXXX : XXXX, XXXX, TX XXXX. Calls Received on : XX/XX/XXXX on XXXX, XXXX. XXXX on XXXX. XXXX on XXXX XXXX XXXX. XXXX on XXXX, twice on XX/XX/XXXX,XXXX XXXX, XX/XX/XXXX,XXXX, XXXX, XXXX, XXXX & XXXX, XX/XX/XXXX. Messages left for : Call Center Operations located in XXXX in the XXXX XXXXXXXX XXXX. I just called XXXX the operator does not have any street address to disclose? But needs additional information about me? I did not disclose anything? I have requested to take of my cell phone number XXXX but they can not help as I do not have any account with them? Everyday Voice Messages : " Good Morning XXXX, Its XXXX XXXX and XXXX XXXX XXXX. This is XXXX from SANTANDER CONSUMER USA Inc. Please return my call toll free # XXXX to speak with one of our Representatives. We are in the Office today until XXXX CST. Thanks Have a Great Day ''. Same message repeats everyday call!!! There is no one by these names in our house. We are a Nuclear Family of four. Dad, Mom & Two Adult unmarried Daughters. We own XXXX used cars brought and paid off in XXXX XXXX, FL. 
All this seems to be a FRAUD & A PROFESSIONAL SCAMMERS. Past month I have called & left messages and sent similar messages to Do Not Call.gov but i am fed up as a XXXX Citizen with NO ONE TO HELP! Can not call to speak to anyone? Since XX/XX/XXXX repoted to Do Not Call Registery.Gov but all in vain. Please Help! Even registered complaints with https : XXXX # crnt - online case # XXXX XXXX XX/XX/XXXX. Today Personally called FTC, XXXX # XXXX to again Complaint my frustrations got a case # XXXX XX/XX/XXXX Rep. XXXX & Sup. XXXX. They requested me to complaint to CFPB. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$500.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Consumer disputes this account information Settlement accepted on this account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK Equifax OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My credit score is low, mainly due to my student loans. While I acknowledge that I attended three colleges and have a lot of student loan debt, I began looking closer into the loans I am paying on. Two of them are listed for a school I did not even attend. I have wondered for a long time why and how I ended up with such a high amount due. I am wondering why/how this could have happened? One of the loans is now for more than {$17000.00}! This one is dated to have been dispersed XX/XX/2005. The original amount was {$16000.00}. 

I have had other issues with my lenders too, such as different payment options being made available at different times and no mention of delinquent loans when I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Was not notified of investigation status or results

Complaint:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit 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 2023-10-06
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XX/XX/2021, I paid the mortgage as usual. They had changed the payment amount due to escrow issues and it was {$140.00} less than what supposed to be paid. I kept paying the mortgage all these months in the correct amount but got more behind because they kept accessing fees I was unaware of. No one ever called and did not get emails stated the mortgage was delinquent. I'm getting more behind because fees every month which I think is unfair due to XXXX payment that was shy {$140.00}. The XXXX late fees are usery.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax continuously places a fraud alert against my credit file against my explicit instructions not to do so. I have sent numerous letters to Equifax with the appropriate identification documentation instructing the agency to remove any and all fraud alerts from my file to no avail. By Equifax placing a fraud alert without my consent has caused numerous problems including not being able to create an online social security account or being able to apply for various credit invitations. 

Further, Equifax 's computer generated online identity verification system has been unable to generate proper questions for the last two years, making it impossible to expedite any disputes online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Netspend Corporation
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Western union netspend supposed to release my money bank in my account Monday XXXX I file a dispute with them and when I try to login my account they put a lock or frozen on my account to keep me from accessing they ask me to scan my drivers license I did they told me they couldnt verify that so I talk to the rep on the phone was confused and making up lies about my account so they send me an email to upload my drivers license and other personal information like bank statements SSN AND phone bills and soon they saw the XXXX XXXX XXXX XXXX on my drivers license they immediately started acting different towards me on handling my account and being rude and I told them yall the fraud the company accepted my information and still denied if service for me and closed my account doing the process on fixing my account and started a dispute with them on adding my money back in my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-12-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-04-26
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The caller from # XXXX stated he was with the law office handling the debt. The first call on XX/XX/2018 representative stated the debt and provided options of payments. I requested to have something in writing because i have not yet received any the information that he had stated. I looked on my credit report and there was nothing of this company. I checked online with the phone number and it has been reported as a scam and not a safe number. The caller then called back on XX/XX/2018 time of around XXXX using the same number, stated that he will dropping off documents to my employer because i refused to provide my address. He did not ask for my name he simply began speaking. I stated that he did not even ask whom he had been speaking to before stating this information, the caller/rep stated that he is the only person that answers his phone so i should be the only person that answers mine. The representative then stated during the conversation multiple times that i did not have any character, he then began to verbally assault my military character i asked him to please refrain from speaking of such and the caller continued. I asked the caller if the call was recorded and that he should not be saying the things he was saying. The caller then brought up other legal cases from my past and repeatedly stated i have no type of character and continued to talk badly about me as a person. I then stated that i would be seeking legal representation the representative then called me a liar. I then ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
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.

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 years.

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 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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  inquirers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and account # XXXX have 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 an 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 explanation
Consumer complaint received 2018-04-26
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We agreed to pay {$150.00} a month for TV and internet services for 2 years. I also let them know that we were on an fixed income and could only pay so much a month and they said that they could and would keep the bill under a {$150.00} a month. But every month after XXXX XXXX XXXX took over XXXX XXXX I had to call to let them know that that was not our agreement. So after so many months of trying to get them to fix the problem my husband and I went elsewhere for services. Now XXXX XXXX XXXX XXXX XXXX XXXX say we broke the agreement I didn't they did.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 U.S.C 1681. 

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, has violated my rights. 

15 U.S.C 1681 Section 602 A, which states I have the right to privacy.

15 U.S.C 1681 Section 604 Sections 2 : Also states that 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 years.

15 U.S.C 1681 s-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 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 2021-05-30
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX, XXXX, and Transunion all claim they verified my backruptcy from the courts and the court stated that they don't verify bankruptcies to the credit bureaus.

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 2021-12-17
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account was close with santander consumer usa and they are still reporting it under XXXX  and its affecting negatively on my credit report. The account was open XX/XX/XXXX and it was closed XX/XX/XXXX Account ; XXXX this was reported a few months ago and it was advise that it was removed back in XXXX but now im showing that on XX/XX/XXXX that santander is still reporting this information to XXXX..i included XXXX  on this complaint as well because i spoke with them and was advise that they want be able to remove it until XX/XX/XXXX because of what was reported by santander. The other 2 credit bereau has removed it from my credit report & XXXX  is the only account where santander is showing up for. A fair decision would be for santander to be removed from off of my XXXX  credit report immediately i also have attach a copy of my credit report that shows proof of the 2 major credit companys which is XXXX  & XXXX removing the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX {$680.00}, {$510.00}, {$1000.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation