BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-30
Company: EQUIFAX, INC.
State: NY
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:
I XXXX XXXX XXXX XXXX # : XXXX ), I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I filed a complaint on XX/XX/XXXX in response to a missing on-going extra payment we've been making to reduce Santander 's high interest rate. This has been going on since XXXX. We have been told that they are " escalating the issue ''. Unfortunately, there have been no follow-up calls as promised until today XX/XX/XXXX. I returned the call 60 seconds after it came in. After holding for an extended period of time, I received a voice message that the office was closed. This occurred 3 times -- before closing time. I called the general number. The individual saw who called me and indicated that he was unable to put the call through to the person because " the system wouldn't let him ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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 2018-05-05
Company: Security Credit Services, LLC
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:
The company XXXX XXXX has reported me to the collections agencies claiming I owe XXXX. I have no idea who this company is or who they are referring to that I owe money. I have never received anything in the mail about this company or that I owe money. Im not even sure which XXXX XXXX company this is for as there are many of them in different areas. It shows on my credit report that its rental/leasing, no clarification as to what kind. I have no information to get ahold of them so I have not contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and Equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IT XXXX ) XXXX XXXX US DEPT ED XXXX DEPTEDXXXXXXXX XXXXXXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/XXXX they charged monthly maintenance fee always every month I went to the bank every couple years ask to refund my money they just refunded for a month & they charged me again I used to have also business account they double charged every month they dont refund any of my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-30
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
There is a delinquent account listed on my TransUnion credit report. The account listed was never opened by me and yet TransUnion refuses to remove it from my credit report. I disputed this with TransUnion and they wrote back that it was verified with the lender. If an account was opened, this was done fraudulently and without my knowledge. I have the following information : Original creditor listed : XXXX XXXX XXXX balance : {$710.00} Listed date account was opened : XXXX As I stated above, I never opened this account, and no one ever contacted me during this so called " investigation '' by TransUnion. This account is not mine.

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 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from 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 explanation
Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have requested my credit report on five separate occasions. They won't give me a report, I am being denied credit and being denied access to review and correct my report. Transunion refuses to let me review and dispute inaccurate information. I am being held XXXX by this unscrupulous credit bureau.

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 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as well. No notice was given which is a further violation. I am requesting that the listed inquiries be removed : 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 2022-12-27
Company: EQUIFAX, INC.
State: WY
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away and my name is now on the Deed of the property. We have provided this information already to the mortgage company. The loan was previously being serviced by XXXX but in the spring of XXXX, it was transferred to Rightpath Servicing. Prior to the transfer, we were offered COVID relief to defer payments for 1 year. We were then advised by XXXX to make trial payments until the modification was final which we did. Once the account was transferred to XXXX, the modification was cancelled due to us not returning the modification documents. We made several calls to XXXX to let them know that we never received the modification documents and were advise that they would resend them. That never happened and we were advised that we would have to try for another modification. We sent the requested documents such as my paystub, an application for assistance, my social security number, and my employment contract. I was advised that my application was complete on XX/XX/XXXX and no further documents were needed. On Friday, XX/XX/XXXX, we were advised that the modification was denied because the previous trial payments were not made. The trial payments ended when we were advised that the previous modification was cancelled, and we would have to start the application again. Furthermore, we have been attempting to contact our single point of contact who is never available when we call in. We have requested callbacks but do not get a callback. I was told on Friday, XX/XX/XXXX that the squeaky wheel gets the grease so I would have to call daily in an attempt to reach my single point of contact. The account is now in Foreclosure status which started right before the latest loan modification application was in the underwriting process. Rightpath servicing is no longer accepting payments and are making it impossible to speak to our single point of contact and have been advised that only the single point of contact can let me know what my options are now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Experian, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX bank this not mine # XXXX so please remove from all XXXX reports 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 2016-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Te interest rate on my sears card is now at 25.49 %. I do n't use it or carry a balance, but it makes me mad that a company can charge that much with no recourse. There used to be laws regarding unreasonable interest rates like that, but new laws have allowed for this kind of predatory credit practice. One more reason for me to avoid shopping at Sears.

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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2022-06-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For over six months I have been attempting to work out a Loan Modification agreement with this company since the end of 2021. I do not believe this is a legitimate company and I feel that they intentionally engage in dishonest tactics and unfair business practices. The CFPB does exactly nothing about it, Per my attorney 's instructions, I am filing a final complaint before commencing a lawsuit. I requested a loan modification due to employment income loss from XXXX which has never returned. I couldn't afford my payments prior, and now LoanCare has made me an offer raising my FHA interest rate from 4.00 % to 5.20 %, and my monthly payment from {$1600.00} to {$1700.00}. No reasonable person would agree to this offer, therefore, I can only believe the offer was made in bad faith. Additionally, LoanCare turned my account over to collections during the review process of their loan modification process, which I believe is a violation of the Fair Credit Reporting Act. 

I have attempted to work this out with the company directly multiple times, they refuse. Therefore, since the company is aware I couldn't afford my payments previously, refused to lower may payment and APR as requested, and has assessed bogus attorney fees {$1000.00}, which I will not pay. 

If LoanCare wishes to avoid a court resolution to this matter, they can re-extend the previous offer to lower my payment and APR. If not, I will have to pursue any and all available damages in court. No part of me believes LoanCare is a legitimate business or that they executed any of their dealings with me in the past year in good faith. 

I have also applied for assistance from XXXX for funds to pay all of the back payments I owe to LoanCare. If I receive these funds, it would bring my account current with LoanCare. They would then have no basis for any of the actions they have taken against me, including foreclosure during their own modification review process. 

I would also like to reiterate the company made me a different offer previously for a lower payment and APR, so it can be done. However, because LoanCare so XXXX, the documents arrived after their expiration date, so they were invalid and I had to start the process all over again. I'm asking LoanCare in writing, one final time, to do the right thing and re-extend the previous offer, they claim expired due to their mail issues, to avoid litigation.

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 2016-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting XXXX collections and showing the creditor or debt collector as " Unknown ''. If it is unknown then how can they possibly be reporting this? How is this accurate, verifiable information? My research on the Fair Credit Reporting Act shows that this is illegal in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions 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:
To whom it may concern, I have been trying to resolve this on going issue with the XXXX XXXX XXXX XXXX, Experian, and XXXX since XX/XX/XXXX, to remove a student loan debt that dates back to XX/XX/XXXX from my account. Since they updated my account in XX/XX/XXXX for a very small balance this triggered an update to my 3 credit bureaus as a new activity. This update flagged my accounts in the 3 credit bureaus ( agencies ) as a bad debt that was paid, a derogatory account status, and a previous collection status that was paid. This unfair practice has hurt my credit, disallowed me to purchase a home, and is an ongoing burden. 
This malicious attack is unjust and has prevented me from obtaining a mortgage and getting other types of loans. 

I have been trying to work with them to have it be removed from my files, it nothing has been done. As I attempt to dispute this matter, my credit score goes down further and further as they tag my account as a dispute when the credit bureaus go into the account to update it. I would appreciate it if there is something you can do to help, this is an unfair practice placed on consumers like myself. 

I have attached a letter from the XXXX XXXX XXXX XXXX regarding this matter to help solidify my position. Thank you again for your immediate attention to this matter.

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 2022-06-15
Company: P.S.C., 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: Account status incorrect

Complaint:
For over 3 yrs and 3 months now. This company has been harassing me, as well as making a major delinquency red flag on my credit. XX/XX/2019. Started with the harassment phone calls, threatening. So I spent days, which than turned into weeks and months. Just trying to communicate with them civilly yet was tossed aside. Due to the fact that I went and got the proper medical documentation and proof of the account being fully paid off by my insurance. I mailed them in my documents of proof. They mailed it right back claiming it was the wrong address sent to. Durning those weeks and months. They were gradually adding on fees and lowering my score every single time tremendously. I than reached out to XXXX XXXX many times about how all of this is wrong. Every investigation has come back as the account is stil open and I owe. I reached out to my attorney generals office about this. They have told me that this company has been reported for their legally wrongful acts once or twice before. So it being over 3 yrs now Im over this fraud they are committing.

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