BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX and XXXX. I was told by Citi that my card was copied when I opened a dispute for ATM withdrawals. Citi banks system did not notice cash being taken from my account on a daily balance until my money was gone. This should have been unusual activity for my account as I do not use ATM 's to take cash. I am XXXX XXXX so I contacted Citi using online chat and TTY. Two of the transactions where at an actual Citi location so obtaining a photo from that location should be an easy task in order for us to know who used the card. It has been days and Citi still has not received those photos nor have I recovered my funds.

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 2019-04-25
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 2nd company within the month to contact me about the same non-existent loan. I filed a complaint with you about the first company, and you closed the complaint. I want action taken against these people. They make up a loan, threaten me with legal action, and then sell up the made up loan to someone else. They claim that Advance America gave me an in-store loan in XX/XX/2012, and I never paid it back. This simply never happened, and I have contacted Advance America numerous times about this, and every time they tell me there is nothing they can do about it, because it simply never existed. 

The company XXXX XXXX ( XXXX ) contacted me today, XX/XX/XXXX, claiming that Advance America hired them to collect on a loan, or to file litigation against me. If I did not call them back, they would consider that non-compliance, and take me to court. They never sent me any written communication, only a phone call. When I tried to get more information from them, they hung up on me. I had to call back 9 times to even get the name of their company, and another 5 times to get their website, as they would simply hang up on me. I want to file charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Following a review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I determined that said reports contained a XXXX XXXX XXXX credit card for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, XXXX and TransUnion. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on 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 2019-04-25
Company: EQUIFAX, 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:
Equifax is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX Account Balance : {$15000.00} It is apparent that you have overlooked or ignored my request to settle the above mentioned account. The settlement letter was sent XX/XX/20 via certified mail with the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Per USPS this letter was received by your company. I have taken the liberty to attach the original letter, a second notice for settlement, as well as a cease and desist letter to this complaint. My first settlement letter specifically states that I am to be contacted by mail only however, your company has chosen to ignore that request. I am more than willing to join the many participants who have taken legal action against Santander Consumer USA for call violations. This is my last attempt to inform Santander Consumer USA of the option to settle this alleged debt. Please see my responses that I have attached. I will again remind Santander Consumer USA that the only form of communication between myself and their company is to be had via CFPB Portal or mail. Please do not overlook this communication. If you do I will assume that the alleged debt that your company is associating with me has been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on mortgage due a loss income, increase in expenses and divorce. I contacted XXXX XXXX XXXX in XXXX XXXX, Michigan. I was working with XXXX XXXX who was one of their financial counselors. She helped complete a lost mitigation application and it was submitted on XXXX XXXX, XXXX. Carrington kept requesting documents that were already submitted. This was n't the first time they have done this to me when submitting a loss mitigation application. I filed a complaint with CFPB back in XXXX of XXXX regarding the same issue. Complaint number XXXX. All the documents that were requested were sent on XXXX XXXX, XXXX. XXXX XXXX took over my case at XXXX XXXX XXXX. He contacted Carrington on XXXX XXXX, XXXX and was informed that my case had been closed because I did not submit the documents that we were being requested which were sent on XXXX XXXX. XXXX suggested to resubmit a new application since Carrington had already closed my case and they were n't willing to re-open it. A completed application was submitted on XXXX XXXX, XXXX. I have attached a copy of the entire application. I was told on XXXX XXXX, XXXX that my case was close because I submitted an incomplete application. XXXX contacted Carrington and was told that I was missing the following : -Recent paystubs ( which are on pages XXXX ) -Bank Statements ( which are on pages XXXX ) -Letter stating how many household members are in the house ( which is on page XXXX XXXX paragraph. This information is also listed on my food stamp benefit letter found on pages XXXX. ) I did not receive a written notice or email stating that this information was missing ( even though this information was not missing. ) I think that what Carrington is doing is unfair to me and all the work that XXXX XXXX XXXX has put into my case. They have been giving me the runaround for over a year and they have closed my case twice for invalid reasons. I am asking Carrington to review my application completely and to read and pay attention to all the documents that are submitted. This will be 4th time applying for loan modification. All I want is to ensure that my kids and I have a place to live. Thank you for taking the time to review my complaint. I have attached my completed application from XXXX/XXXX/XXXX and the fax confirmation stating that my application was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Carter-Young, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to XXXX. I went through the XXXX process denying that this is my debt and XXXX basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: ND
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. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, XXXX and Experian credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.

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 2020-02-27
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 is missing that should be on the report

Complaint:
I was going through my recent credit reports online and noticed on my Equifax report, there are several accounts in collections but no information on who the collector or agency is. I have no information stating where these accounts are coming and unsure how it was verified to be mine. I have no original creditor listed nor a collection agency. From my understanding, if an account has the ability to be listed as a negative account, I have to right to know who the original creditor is, and also who is trying to collect in the account. I have no information to go by to verify these accounts. This is clearly a violation. These accounts are hurting my file negatively and I would like for them to be removed immediately. I have included a screenshot of each account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: NM
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:
Equifax is the toughest of the 3 reporting agencies to deal with. They make it difficult to access your credit report, They ask vague questions on the identity verifier, they come up with excuses when you call in to get help. I try to login to check dispute status and it says unavailable. I tried to get early exclusion and got multiple run arounds all telling me different things. I have tried to correct information and have been unable to get accurate information posted and can only verify certain info through credit karma and not anywhere else. 

Equifax needs to be more consumer friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: Medical Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX 2017 I have sent a letter to XXXX XXXX XXXX. The company is reporting an address per this debt on my credit report that is not correct and does not enable them to verify or validate this debt. The letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: BBVA FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
BBVA/Compass Bank continually reports on all three credit bureaus that I am late or unknown data or " charged off '' on an account that has originally been charged off for almost two years. # XXXX The reporting and status information is never 100 % correct, yet they refuse to remove the account from my credit reports. Furthermore they never list the full account number that I previously listed, so as to confuse me and make disputing the inaccuracies very difficult. 

Furthermore this account has recently been sold/transferred to XXXX XXXX # XXXX and should have a {$0.00} amount as such. Also since the account is closed with a {$0.00} amount it should be removed from my three credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: AUDIT SYSTEMS,INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
It is called audit systems and I told them to stop calling and harassing me. I already took care of it with the doctor but they refuse to give up and wo n't stop calling

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
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:
Equifax is reporting two collections items ( # XXXX and # XXXX ) without naming the collection companies which allegedly are trying to collect the debts. Clearly this is 100 % inaccurate as how can I possibly dispute this item with the collection company if I don't know who it is. 

I have written to Equifax two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act. Their continued listing these items on my credit report is a collection attempt which is barred under the the FTC  Cass opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a Chase Credit Card and made a payment on XX/XX/XXXX using my XXXX account that takes monies from my banking checking account to pay the merchants. I use this service as a security measure. On XX/XX/XXXX I had notified Chase that I had lost my card so that I could request a replacement card. I did receive a replacement card the first part of XXXX. During this time I was not aware that my XX/XX/XXXX payment was not processed as normally I do get a message from XXXX when a check is not processed. I have requested information from them on this to see what they have. I would of thought if my XX/XX/XXXX payment was not received by them I would of been contacted sooner. Today I had tried to answer a call from Chase on my mobile number and now one responded when I answered. I called back later today as I thought this was strange but might have something to do with my account. I was then transferred to customer service where I was notified on being late on the account. I was not pleased with this and then looked on my bank to see if the XX/XX/XXXX payment was cleared and I could not find any record of it clearing my account. In talking with the representatives I was not able to seek any resolution. I do not treat credit lightly as it is very important to my work. I told the representative that I would payoff the account and close it. What I find so frustrating is that I was not trying to get out of not making a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: NJ
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 ON BEHALF OF XXXX XXXX  was Paid in full. The Collection Supervisor, XXXX XXXX stated, '' We will have account Deleted from all three credit reporting agencies when paid in full ''. ACCOUNT PAID IN FULL 2 weeks ago.

Company response to consumer: Closed with explanation