BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have reached out about a missing payment that wasnt applied. No one got ahold of me : they didnt get my information on the lawsuit when I am supposed to be part of it. They ran my credit 4 times when I was approved for the loan multiple times. Made me sign a whole new contract. Didnt reimburse for the extended warranty that should have been able to be used. Sold a car that was defective. They have also called me from XXXX to XXXX 7 days a week after being on the do not call register. After I asked no to be contacted over 200 times in a week. Ran my credit innocorecty and reported to the wrong creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I was notified of this collection on my credit report I requested validation of debt XXXX/2017 and was not provided with the validation that was requested. I am not in any contractual obligation with Diversified Consultants therefore I do not have a debt with them they have reported account number, date opened, Balance date, Balance, Date of status or status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items listed in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which are being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX - XXXX XXXX # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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:
Experian, Please see attached and below - I am unable to log into my account online.

I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my Experian account online at www.experian.com 2 ) I want my Experian account to be a free account.

As of right now - I am not able to login online.

Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.

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 2022-09-03
Company: NCB Management Services Inc.
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 ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), NCB Management Services NCA ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) has violated my rights with the reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Information belongs to someone else

Complaint:
I have been disputing to XXXX XXXX, XXXX  and Experian for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on XXXX, XXXX, and Experian. 

My only name is XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There XXXX  be individuals that have the same information as mine. Creditors XXXX  have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

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 2017-06-23
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I, wish to report in this complaint Ocwen Loan Servicer for fraudulent business and predatory lending practices. The aforementioned has harassed and threatened me in it 's attempt to have me to enter into a Mortgage Loan Modification, that they have no authorization to do so. They have provided fraudulent information to support their attempts, misleading and inaccurate, outdated data that has no bearing on this matter. The DEED of TRUST that I entered into was with Litton Loan Servicing and when they went out of business that agreement was legally null and void, and non-transferable. I have not entered into any agreement with the aforementioned entity, and will not do so at this time. They have no authority or standing, to pursue this matter which has now become predatory in nature in their relentless pursuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Mortgage failed to pay my Property Taxes by the Due Date resulting in a overdue penalty of {$870.00} which they are refusing to pay. 

My mortgage had been pushed from one loan servicer to another and finally ended up at Chase. Each transfer we had to follow up with the loan servicers to make sure they were aware of upcoming taxes and had our homeowners insurance on file. 
For this transfer we again confirmed that Chase would pay our taxes. Our Chase private banker, XXXX XXXX, told us Chase would pay the property taxes. Taxes had a " Due Date '' of XX/XX/22. Because Chase stated they would pay them we did not. We gave the funds a couple weeks to settle and on XX/XX/22, XXXX ( at Chase Mortgage Tax Department ) was able to end the escrow account at our request. On XX/XX/22, XXXX receive a letter from the county stating our taxes were delinquent and had not been paid. 

I have spend countless hours on the phone and jumping through various hoops to get documents attached to different Chase cases associated with this complaint. Either I learn that the documents were never attached or more recently I just didn't get a response at all from the executive office. 

I am attaching the Tax Bill that clearly shows the " Due Date ''. Chase claims they often pay after the Due Date because there is a grace period. If Chase is impounding client 's money through an escrow, they are to pay bills on time and not be delinquent ( regardless if there is a monetary penalty or not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: CO
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, this creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
I disputed XXXX XXXX XXXX on my XXXX report and they would not let me reply back to the completed dispute to redispute the inaccurate information being reported to them! I could not.upload documents showing that the address for XXXX XXXX XXXX was invalid and that I have not received any response to my certified letters asking for documents bearing my signature showing that i owe XXXX XXXX XXXX {$840.00}!! Yet XXXX  and transunion verified the debt! I demand XXXX XXXX XXXX be deleted from my report cause they are reporting to the credit bureau invalid physical address!!

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 2018-10-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We check our balance on XX/XX/XXXX and it had {$240.00} on the account we made some food transactions that were deducted. We checked the balance same day and made a deposit for {$300.00} on XX/XX/XXXX. We have attached our deposit slip. After that deposit we made a payment for car payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my coverage with XXXX  Insurance in XXXX. I no longer owed them due to terminating coverage in XXXX. Credit Collection Services ( CCS ) received a collection request from XXXX  and has been reporting amount due of {$190.00} since XX/XX/XXXX. CCS has sent letters and annoying calls for the past year and I have informed them I cancelled the policy. They 1 have not provided me a copy of contract and or requested documents of account. CCS reported to XXXX and XXXX for the entirety of XXXX and in late XXXX they removed reporting from XXXX. They then updated XXXX reporting as " Paid '' but the account still showed on XXXX XXXX as a collection but not closed. I submitted Dispute on XXXX XXXX for removal of account due to inaccurate reporting and different variations of reporting between credit bureaus I demanded the account be removed completely. XXXX XX/XX/XXXX XXXX Dispute notified me of CCS update of reporting to currently state " Amount due {$190.00} with payment of {$150.00} made XX/XX/XXXX ''. The company CCS and XXXX  have not consistently reported any valid or accurate information and is updating reporting comments in order to keep this data on my credit report which is hindering my purchase of a home and has for the past 12 months. CCS also has failed to accurately report my contact information considering I have spoken with them more than 6 times on the phone and have recordings through automatic phone recording app with number verification. They have reported 3 phone numbers that I have not owned in more than 2 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, Collections : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

XXXX XXXX 1681 Section 602 A. States I have the right to privacy 15 U.S.C 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 7 years 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reason 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 explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : 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 of 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 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Recently, I did an investigation on my credit report found unverifiable, invalidate, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-09-03
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:
In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION, IN DISPUTE AT ALL. CORRECT IMMEDIATELY, AND EXPEDITIOUSLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information, which puts me at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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:
In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See XXXX XXXX Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - XXXX XXXX XXXX : XXXX - XXXXXXXX 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 2022-09-03
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:
In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See XXXXXXXX XXXX Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation