BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Santander is showing multiple entries on my credit report that I did not authorized. I do not have any financing or credit from this company and these inquires are erroneous. I have tried calling to speak with the finance manager, but I always get the voicemail. I did not authorize these inquires and they are fraudulent. PER FCRA section 609 these inquires must be removed. 

Inquiry date : SANTANDER CONSUMER USA XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is detailed information on two of the accounts that I've been disputing with all three bureaus. Under the FAIR credit reporting act ( 609 ) it states that if the information being reported isn't accurate, complete or verifiable it must be corrected or deleted. There is a collection with XXXX XXXX XXXX XXXX that's been reporting inaccurate information, plus I'm not aware of this crteditor either. The XXXX/XXXX account isn't reporting accurately higher and I need them to correct the late payment that's holding me back.

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 2022-08-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The following account ( s ) exceeds more than seven years ; which violates the statutory time period under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ) from the date of its alleged delinquency, and should be removed IMMEDIATELY. In addition, XXXX  XXXX XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$290.00} Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ) & ( c ) ( 1 ), the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Veros Credit, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
VEROS CREDIT Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX is reporting a past due charge off account to the credit bureaus ruining my credit. When car was returned the lender Veros stated there was no balance due to the fact that automobile was auctioned off for more than was owed .... years later they are still reporting this account now with XXXX past due how is it fair? Numerous attempts to validate this account went ignored with no answer from the merchant Veros and account is still reporting negatively on the credit report ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the XXXX Amex card. It states that if you spend more than {$40000.00} per year you will be granted Diamond status with XXXX. I have my year end summary for 2018 and spent over {$40000.00} utilizing the Amex. I am happy to show my year end summary from their website. Nonetheless, they refuse to grant me Diamond status. This is clearly fraud on the part of American Express. I think the public needs to know about these deceptive and fraudulent business practices by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity has called me 8 times s In 6 hours this morning. XXXX XXXX has called me 5 times in 6 hours. Its ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter to Procollect asking to verify and validate the debt as it is my per the FCRA. it seems as if no investigation was carried out. they sent me a letter back " typed word document '' that simply said I owe XXXX dollars demanding that I pay immediately. I then called and asked questions on having the correct documents sent to me they need to have on file to collect a debt from me per the FDPCA ad the FCRA. 
after being hung up on twice I was finally told by the supervisor that the do not have the documentation. But they continue my try and make me pay and its on my credit report. 
they are In violation of federal law.

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 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

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 2019-07-17
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had our Mortgage with Ocwen and it was refinanced. our current lender and title company sent the funds to pay off my mortgage on XX/XX/XXXX. it is 30 days later and Ocwen/PHH has not resolved anything regarding this issues. we are very frustrated and don't know what to do. 
We have called the mortgage company Ocwen/PHH AND HAVE NOT RESOLVED IT. I AM NOW PAYING DOUBLE MORTAGES. 
TITLE COMPANY WAS XXXX XXXX XXXX XXXX XXXX WAS THE COMPANY THAT DID THE REFIANNCE OCWEN/PHH was my prevsoiu company that was supposed to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX put a debt on my credit report say I owe XXXX XXXX XXXX or XXXX XXXX I have never had either XXXX XXXX XXXX or XXXX XXXX this is not mine I have always has 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 2018-03-21
Company: LTD Financial Services, L.P.
State: LA
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:
LTD Financial Services XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Texas XXXX is reporting false information on my Credit Report. 
I also checked on the Texas Secretary of State website and according to Section 392.101 of the Texas Finance Code, it prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. LTD Financial Services is not listed. Why is this company breaking the law and ruining my credit? 
Please have them remove these negative listings on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: FORD MOTOR CREDIT CO.
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: Account status incorrect

Complaint:
On XXXX XXXX2019 FORD MOTOR CREDIT REPORTED ME TO XXXX  CONSUMER CREDIT AS BEING LATE I MADE A PHONE PMT BUT FOR SOME REASON FORD DID NOT CAPTURE MY PMT AND REPORTED ME AS 31-59 DAYS LATE THIS IS CLEARLY INCORRECT REPORTING AND FORD REFUSE TO FIX THE ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received mail from this company, Navy Federal Credit Union, telling me I made deposits to this bank, I have been with the same bank for many years, it's the only bank account I have. I never even heard of this bank. I am being scammed and harassed by this company, I have mail they have sent me, I called them to tell them they have the wrong person, I'm XXXX XXXX XXXX on a fixed budget, I would please like an investigation on how they have my name and address, I would like to file a law suit. also, I intend to write to our Attorney Generals ' office XXXX XXXX XXXX I will not stand for being scammed by this company! I also want to have them investigated by the FCC and Consumer affairs, can you please advise me as to who else I can contact to have them investigated, I appreciate all the help. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
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:
XXXX XXXX XXXX is not legally authorized to collect debt in the state of Texas and is changing their name on my credit reporting from time to time. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and therefore they are not legally able to  attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report ASAP. 
I have sent a previous complaint against XXXX collection agency. They have since changed their reporting name on my credit report. Again, Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. XXXX ( XXXX  XXXX XXXX ) AKA XXXX XXXX does not have an " active '' bond filed. In my previous complaint, XXXX has stated they are doing business under another agency name, however this is not listed on my credit report, what is listed does not have an " active '' surety bond filed with the State of Texas. The results from my previous complaint is on file with the Consumer Financial Protection Agency. XXXX XXXX XXXX is the company reporting on my credit file currently. This company keeps changing their name on my credit report. The company removed the reporting to the bureaus briefly after the original complaint however has since started reporting again.

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 2018-01-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My name is XXXX XXXX last 4 of my SSN are XXXX date of birthXX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. Experian needs to get proof this is my judgment or remove from my credit

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 2021-04-14
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My scooter was stolen from my place of residence in XXXX of XXXX. Due to the COVID-19 outbreak, the DMV was closed so I was unable to reach them concerning the matter. I filed a police report. I received a letter in XXXX of XXXX  notifying me that the scooter was found earlier that month and was being held at a tow yard. The letter also notified me that I owed the tow yard over {$500.00} to cover the cost of the towing on top of the rate per day to keep it at the tow yard. I immediately called to let the tow yard know I had filed a police report for the stolen scooter and did not understand why I was not notified before the scooter was towed. I did not agree to have the stolen scooter towed and should not be responsible for the fee. I also told them I did not want to repossess the scooter. It was then sold at auction. Since then, I have continued to receive letters from a lien company claiming I currently owe {$580.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I put a deposit on a XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX in XXXX XXXX, The deal did not go thought, I left the XXXX XXXX in XXXX XXXX, with no car but the next day, XXXX XXXX XXXX XXXX XXXX Charged my credit card for XXXX I've talked to Citi and they have put the XXXX back on my card. I NEVER bought a car from XXXX XXXX. I have never purchased anything from any XXXX XXXX. I bought a XXXX XXXX XXXX XXXX. XXXX XXXX Has done nothing to help resolve this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX XXXX, 2016 Commonwealth Financial Systems tried to collect {$410.00} of erroneous " medical '' debt I do not owe. I disputed the accuracy of their listing on my credit reports and they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I told them as per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good Morning, We filed a forbearance last XXXX when XXXX hit because I had lost my job then my husband and I needed the forbearance in XXXX and had partial claim from XXXX to XXXX which was paid. We signed documents with a notary and everything was approved. I was told loss mitigation would have my account updated no later then XX/XX/XXXX. Well thats not the case and I have called in over a 100 times and they are now telling me all different stories and that my partial claim was never approved due to my notary not having a seal, then it was because my husband scratched out the date, and so on. They are now saying that I will never have my account updated even if we resign the necessary documents until we pay another 10,000 because we now we arent in a partial claim because they dropped ball but are blaming us. 

We have been in the middle of refinance with XXXX since XXXX to have a conventional loan and can not move forward all because freedoms payoff quote they are sending is reflecting the payment for the next month is due XX/XX/2021. 

I really need some help with this case ASAP. I have filed numerous complaints with Freedom mortgage and the CEO and have heard nothing back. 

I have also been in contact with XXXX explaining the whole situation and also do not understand if the payoff is the exact amount and is correct even though the date doesnt reflect this month why they can not just move forward. 

Im hoping someone can please help us 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 explanation
Consumer complaint received 2019-07-17
Company: College Assist
State: FL
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:
please provide via us mail, any and all documentation regarding my student loan. 

thank you.

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 2019-02-12
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I submitted to XXXX XXXX XXXX XXXX an application regarding my exemption from state property tax. It has been three months since I submitted all the paperwork required for a tax exemption. I have called numerous times with no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
approximately in XX/XX/XXXX i applied for credit through my local credit union, XXXX XXXX XXXX XXXX XXXX, and was denied credit due to bad credit bureau reporting from all three credit reporting agencies stated my loan officer from XXXX XXXX XXXX XXXX XXXX. my complaint is that the bad credit still looms with my recent free report from Experian. I am looking for help to improve my credit rating even though our student loans my have fallen behind in past years. The problem still follows me and am not able to get credit because of student loan delinquency in the past. Please help. 

Thank you XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation