BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2020-07-30
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX? Bank usa/targetcredit {$530.00} Account is not my account. I have called to resolve this issue many times since 2013. 
I asked the company to remove the collection and produce documentation regarding this debt. I have not received any proof that this debt belongs to me. I amasking CFPB to investigate the improper reporting to be removed from my credit and to be remove bad debt reporting in all bureaus. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX Equifax has failed to assure me 100 percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. XXXX is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: PNC Bank N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My XXXX year old mother just contacted XXXX  to freeze her account. Because she is XXXX and has XXXX she could not answer all of their XXXX questions, let alone the fact she does not know what my nephew, her grandson has opened in her name as far as loans and/or credit cards. Sure, they can breach all her information and mine, but NOOOOOOOO, because she doesn't know all their XXXX   answers to questions that may or may not contain real information, they REFUSE TO FREEZE HER ACCOUNT. 

I hate them and the way they treat real people with real problems. And as for your company, you are no better. I asked you to help me stop this same nephew from stealing from her PNC Bank. You in turn gave it to PNC Bank to investigate. They in turn called me and said point blank they didn't answer to you or anyone and the results of the investigation would never leave PNC walls. 

So basically, you both protect the criminal and not the victims. Great. Thanks alot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
The following Child Support accounts are inaccurate and are fraudulent accounts. These negative accounts are having a negative impact on my life. Youre failing to keep up reasonable methods to assure the most extensiveness and accuracy on my report which is directly impacting my quality of life. I sent multiple dispute letters with the inaccuracy and inconsistency being shown on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by Santander. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. Santander at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and Santander, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: GOLDMAN SACHS BANK USA
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:
called XXXX XXXX XXXX number provided on credit reports for this account. 
from apple card gs bank that I have been a victim of identify thief. my information was found on the internet 23 times from credit reporting companies. and they still wont help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
BC Services sent collection letters addressed to my wife, XXXX XXXX. This is improper because XXXX is not listed on the debts in any way. BC Services was not attempting to obtain contact information for me, as they already have it. BC Services was providing information to her about these debts. She and I were married after the debts were incurred. Colorado is not a marital property state, which BC Services should be well aware since they are headquartered there. 

BC Services has shown a disregard for the laws and procedures in place to protect consumers. This is the second instance of blatant disregard for the law. The first instance may be identified by Case number : XXXX. After this complaint was filed, BC Services did seek to correct that failure. 

Please note violation of multiple account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed
Consumer complaint received 2020-07-09
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT ED/XXXX,  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX USA, XXXX, XXXX XXXX XXXX, XXXX UNIVERSITY Company Inquiries : 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 2018-12-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX My mortage loan number is : XXXX with wells fargo home mortgage. I made 2 mortgage payments on XX/XX/2018, payments were processed at the Wells Fargo Branch. I have spent almost 3 months trying to get both mortgage payments applied to my mortgage balance. 

Wells Fargo has now transferred my mortgage to a debt collections agency called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me 3 times on XX/XX/2018 for the puropose of collection a delinguent debt. XX/XX/2018 & XX/XX/2018 I received in the mail a mortgage default/foreclosure notice from XXXX XXXX XXXX. 

Wells Fargo cant seem to get my 2 missing payments applied to my mortgage balance and has now transfferred my mortgage to a debt collections agency. I have lost a great deal of sleep and personal time and effort with providng bank statements, cancelled checks and numerous phone calls daily in an effort to get this correct. Now my house is in defualt and possible foreclusre as a result of Wells Fargo errors.

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 2018-07-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have applied for an HELOC from Santander Bank, headquartered at XXXX XXXX XXXX, XXXX, MA. The Consumer Credit Processing office is located in XXXX, Rhode Island. 

I have made numerous requests to receive specimen copies of all documents ( " CONTRACTUAL DOCUMENTS '' as defined by CFPB ) that I will be asked to sign at the closing so that I have ample time to review them myself and to then have them reviewed by my legal advisor. 

1. THE BANK REFUSES TO PROVIDE THESE DOCUMENTS.

2. THE PROCESSING CENTER STAFF REFUSES TO PROVIDE THE NAME AND TELEPHONE NUMBER FOR A PERSON IN THE GENERAL COUNSEL 'S OFFICE. 

3. THE BANK APPEARS TO HAVE DELIBERATELY CONCEALED TELEPHONE NUMBERS FOR ITS EXECUTIVE OFFICE AND OFFICERS TO PREVENT A CUSTOMER FROM ESCALATING REQUESTS SUCH AS THIS ONE. 

XXXX. THE BANK IS ENGAGED IN AN UNFAIR AND DECEPTIVE BUSINESS PRACTICE BY INTERFERING IN ITS CUSTOMERS ' RIGHT TO INSPECT LEGAL DOCUMENTS AND TO HAVE THEM REVIEWED PRIOR TO CLOSING ON THE LOAN.

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 2018-10-02
Company: EQUIFAX, INC.
State: NY
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:
as of XX/XX/2018 Equifax still haven't removed the paid repossession from my credit report when the other two reporting angencies have I have tried at least 4 times to dispute this with no avail they are refusing to remove it .its either this or court d to inproper investigation its their choice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Was not notified of investigation status or results

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, 11 XXXX XXXX   XXXX, 11 XXXX XXXX, 14 XXXX XXXX XXXX I, DEPT OF ED/XXXX, DEPT OF EDUCATION/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 Inquiries : 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 2023-02-28
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were not authorized by me. Please remove the following accounts Transunion XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX / XXXX / XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. 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 2016-09-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received confirmation from HSBC that my request for a loan modification had been approved as of XX/XX/XXXX. After asking several questions regarding the modification, it is clear that the modification will cause more harm than good. The STEP modification will reduce my interest initially then step back up to almost 6 % in 3 years putting me back in the same situation I am in now and will increase the maturity of my loan from XXXX to XXXX. I made in effort in good faith to request the assistance from HSBC but it seems they have only increased the hardship through this modification instead of providing assistance. This is an unfortunate matter to which I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted by the dealership that I purchased my car thru stating that I was two payments behind on my loan. I am two payments behind due to covid. Apparently credit acceptance in XXXX Michigan is telling my financial business to a dealership that has already been paid for a vehicle and has no business knowing about my personal business

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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:
Hello, I am very stressed out because I found items that are not mine. I do not recognize them and for sure they are not mine. I feel like I am victim of identity theft because suddenly appeared fake items. These fake items killing my report and I feel very bad about this. Pease investigate their origins and remove them.

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 2018-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am seriously tired of capital one giving me the run around about a dispute with budget.com. I have been given multiple messages, wasted lots of time and more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up to complaint XXXX. I do not accept Wells Fargo 's Response. They have not adequately addressed of my concern, and I will not stop lodging complaints until I am satisfied. Also, I did not receive any voice mail messages from anyone at Wells Fargo that someone was trying to reach me. So I don't feel adequate effort was made to reach me. Again, my main complaint is that Wells Fargo cheated me out of my loan my closing the loan without my approval. This was after dragging me on for 8 months of poor service with a poorly trained employee. The entire point of my argument is that I specifically asked XXXX XXXX to keep the loan open while I checked on other resources, and he agreed. Despite being told that the call was being recorded at the time, you have told me that you do not have a copy of the call. Which honestly, I do not believe at this point. Now that I have asked to get on a call with XXXX XXXX and Wells Fargo Management ( I didn't specifically request the Board of Directors, I just want witnesses ) you're telling me that you won't set it up. These seem to me to be obvious signs of a company with a problematic history of cheating customers trying to hide more malfeasance. This also makes it clear to me that you know I am right about Wells Fargo cancelling my loan when I specifically requested it to remain open. As a result, you cheated me out of my chance at the loan, you made me waste hundreds of dollars on fees that I want returned and I want a settlement for all of your obfuscation and attempts to get rid of me to hide the error. XXXX XXXX knows the truth and you are preventing the truth from coming out. I am not satisfied and still request a phone call with XXXX XXXX and management witnesses. 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 2020-07-09
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My parents have been receiving a call repeatedly from XXXX. They weren't answering it, because they usually are wary of picking up the phone for unknown callers. My mom picked it up just the other day to see if it was important and to see why they kept calling. The woman on the phone said she wanted to speak to me ( I have gotten married in the last year, and I am no longer living with my parents ). My mom asked why she wanted to speak to me, and the woman just said, " It's a private, personal matter. '' She didn't say anything else. My mom said I wasn't available, and then the woman hung up. My mom told me, so I looked up the number, and it is associated with the National Recovery Agency, a debt collection agency. My husband and I are on top of our finances, have excellent credit scores, and we have paid off my student loans and our car loans. We pay our bills and our mortgage on time, so I have no outstanding debt. These calls sound like an attempt to get money out of me that I do not owe.

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 2022-04-30
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: Account status incorrect

Complaint:
n 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 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 2018-05-22
Company: EQUIFAX, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company XXXX.Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation