BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: MO
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:
on XX/XX/2019 i submitted a dispute online with equifax for two collection accounts. On XX/XX/2019 i was informed by my credit card company XXXX XXXX that my acct was being disputed and they had to close my account due to my request. I contacted XXXX XXXX on XX/XX/2019 and was told by a agent that equifax disputed the account stating that this account didn't belong to me and in order for them to reopen the account i must have something from equifax showing that i didn't dispute it. I contacted equifax on XX/XX/2019 and spoke with a supervisor who refused to close the open dispute and stated that it was a error on their end and she didn't know how all accounts was disputed. equifax admitted to fraudulently disputing all my accounts even though the legal document didnt have that information on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
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:
On XXXX XXXX After making numerous called to XXXX about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per XXXX data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to XXXX or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to XXXX data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to XXXX or any person permission to report/share any assumed data that I will mention in the complaint. 

XXXX and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( 1 ) ( 2 )., They are also in violation of the data protection act.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-02-02
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:
All XXXX of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all XXXX of my credit reports because it is reporting inaccurate information and violating the XXXX. 
All XXXX Credit Bureaus are reporting that I was XXXX days late in XX/XX/XXXX, then you reported again that I was XXXX days late in XX/XX/XXXX. They then reported that I was XXXX days late in XX/XX/XXXX and XXXX days late in XX/XX/XXXX. How is this so? I can not be XXXX days late for XXXX consecutive months back-to-back, then XXXX days late the month right after the previous XXXX months, and then XXXX days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.

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 2019-10-08
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I complain that mortgage company LoanCare doesnt send me payoff loan documents and a statement that my mortgage was payed off. My loan # ... ... XXXX. I paid my mortgage in full on XX/XX/2019. 

Previous loan mortgage company XXXX transferred my mortgage loan to LoanCare company which started to collect payments in XX/XX/2019. First/ Last statement I got from LoanCare was dated XX/XX/2019. No more statements after I paid mortgage off. 

I tried to call LoanCare few times and was told that I will get canceled mortgage deed of trust by mail.But no documents in mail so far. Last call was today but nobody returned my call.

Please help me to resolve this issue and get those documents from LoanCare mortgage company.

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 2019-05-02
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: Their investigation did not fix an error on your report

Complaint:
Their website does not work in terms of the complaint process. 

Their website pulls incorrect information in the security-question process rendering the service useless. 

These " credit-reporting '' agencies are incompetent and are affecting the daily lives of people!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Rosebud Economic Development Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last year I have received repeated calls from a XXXX XXXX XXXX. This company has used threatening tactics, extreme robocalls, and contacted family members despite my telling these reps Do Not Contact me, my workplace, or family members. I have asked to have paperwork stating that I took a loan with them but each person refuses. This morning, I have a message on my voicemail from a woman stating that she is coming to my house tomorrow morning, XX/XX/2019, and I had better be there. She actually read my address aloud. These people are contacting my family members as well. My XXXX   daughter  has a XXXX   XXXX and although she has said not to contact her, she continues to receive phone calls. This triggers extreme XXXX XXXX and setbacks.

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 2022-04-04
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2018-03-30
Company: Social Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They have contacted me at XXXX XXXX few times and I have requested few times not to contact me at that time and still happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello CFPB, I need your help! 

In short, and I have included more information attached, I cosigned a car loan for a friend of mine back in XXXX of XXXX. My friend, unbeknownst to me, was unable to make his car payments in XXXX and the bank in question, Santander Consumer USA, reported a debt collection on my credit and never notified me. I would have been happy to pay off the car loan if they had reached out! In fact, in the past Santander has called me a couple times when my friend missed a monthly payment, and I was able to call him and have the payment sent to them immediately. They have my phone number and address. If I was told by Santander that there was a problem I would have handled it, after all, that's the purpose of a cosigner. 

Unfortunately Santander rushed to report an unpaid debt and collection on my credit report, which is the first time I found out I had a debt collection!!! I was in the midst of buying a house and I was denied the loan because of the debt collection that I had no idea of. 

I immediately called Santander and offered to pay the debt off. The only thing I asked, and still am asking, is that because they never, not once, notified me that a debt was owed and was going to collections, that they request it to be removed from my credit report. Unfortunately Santander has refused, even if I repay the debt, to request of the credit rating agencies that it be removed from my credit report as a mistake. 

Please help me! Having this collection on my credit report has grossly affected my ability to get a home loan build wealth and I have incurred immense legal fees. I have hired a lawyer, who has sent them repeated requests citing the notification laws, asking them to own up to their mistake and ask the credit rating agencies to remove the debt from my credit report as a mistake. If they do this I am happy to pay the debt, I'll pay it tomorrow! But if they are unwilling to have the negative action removed from my credit report I can not in good conscious let a bank, Santander, get away with screwing me and my credit when it was their fault that they did not notify me. Santander has not been able to show any proof that they sent me any notification, despite multiple requests to do so from my lawyer. I have attached the letters from my lawyer to them making this request and citing the law that they had to notify me before reporting a negative action. 

Please help me fight against this bank and make things right! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called LVNV Funding, which redirected me to Resurgent Capital Services, on XX/XX/21 at around XXXX XXXX. 

I spoke to a representative named XXXX to ask her to send a letter of verification of this debt, which I have already disputed with the credit card company and it's said to be within " FCRA requirements ''. This debt is not mine. 

XXXX told me of a " cease and desist order '' that was placed on my account and that it had to be lifted before any debt verification letter could be sent. I gave no such cease and desist order and told them to lift it so I can verify the debt. This company illegally put a cease and desist order on my account, without my knowledge, so they can try and sue me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
53 bank closed my account while {$100.00} Fraud and {$10.00}. OVERDRAFT fees was pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Experian Information Solutions Inc.
State: IL
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 will continue to file a complaint and have already escalated to my states attorney office. I have been requesting a method of verification since XXXX. All I keep getting back are letters claiming items I am disputing have been verified. Do to my FCRA I am entitled to receive any signed documents or information they have on file which are none. I just got a letter stating they will not reinvestigate however never a letter providing method of verification. XXXX  and XXXX  have removed the information because it is not mine. I am aware of the fake e Oscar system they use, where is documents showing I have a signed contract with XXXX XXXX, it is not one because I never signed anything with them. I need to see verified documents that you supposedly have. Once again I have already escalated this to the states attorney and if need be will be going the legal route. All I have been asking is for proof of verification which is my rights.

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 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the recent breach my husband & I placed a freeze on our credit. No issues and easy to do. On XXXX XXXX, XXXX we decided we wanted to purchase a new car. The finance company we were applying with uses XXXX so that is the one we needed to place a lift with. XXXX has an option for temporary lifts. One is called a Selective lift and the other one is a Global. After reading the definition of each we chose the Selective lift, which allows only those creditors we give the access code to, to be able to view our credit file. Each lift is {$5.00} each time you place one. Now we give the motor finance company this access code only to be told they can not view our credit with that type of lift. We then have to go back into our TransUnion account on XXXX XXXX, XXXX and place the global lift. This too cost another {$5.00} each. They viewed our reports and all went well. On XXXX XXXX, XXXX I contacted TransUnion to see if they would credit back the {$5.00} for each myself and my husband for the Selective lift that does not work. After much frustration with the customer service representative I asked if I could please speak to a supervisor. He transferred me to his supervisor. However, that too was a waste of time. I explained the selective lift does not work. This is when I am told it only works with creditors who have the special software that can allow them to input the access code. I asked over and over again why is that information not included on the website where the definition of each type of lift is explained? I received no answer. I asked how would the consumer know about this when they are making the choice of which type of lift? I received no answer. I read her exactly what it says which is this " An access code is a code generated by the website when you create a selective lift. ANYONE with the provided access code can use that code to access your TransUnion CreditReport for the specified time period. '' I then told her since no where on the website does it mention anything about special software. I asked for the {$5.00} each credit to be told no.

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 monetary relief
Consumer complaint received 2017-10-24
Company: EQUIFAX, 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:
There was an account opened in my name due to identity theft. I contacted XXXX XXXX to dispute this account and provided police reports to validate that this is not my account. The company refuses to properly investigate the matter and remove this item from my profile. I also contacted Equifax to dispute this account as fraud and they are not properly investigating either. I need Equifax to properly investigate this matter and pull the records of this account so that they can see it was disputed with a valid police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2017-10-24
Company: CCS Financial Services, 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 status incorrect

Complaint:
I contacted XXXX XXXX On XX/XX/XXXX after seeing an outstanding balance on my credit report. After paying in full I was told that the item would be deleted. It still appears on my report today and I have requested multiple times that it be removed as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation