BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: MI
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 Credit Breau Equifax Credit Reporting Breau XXXX Credit Reporting Breau I have made numerous attempts since 2018 to have Fradulet information removed from the credit Breaus I have sent certified identity theft reports I have sent certified police reports they have not followed the law An block these items from my report They place them into dispute to keep a long process going iam in the process of speaking to a lawyer now for damages, time wasted! an to hold them accountable for not following the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion Credit Breau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made numerous attempts since 2018 to have Fradulet information removed from the credit Breaus I have sent certified identity theft reports I have sent certified police reports they have not followed the law An block these items from my report They place them into dispute to keep a long process going iam in the process of speaking to a lawyer now for damages, time wasted! an to hold them accountable for not following the FCRA

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 2017-09-21
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WAS IN A CAR ACCIDENT XX/XX/XXXX,2017. MY CAR WAS A TOTAL LOST. I LIVE IN MARYLAND. THE NEW LAW IS WHEN A CAR IS A TOTAL LOST. THE CONSUMER DOES NOT HAVE TO PAY ANY BALANCE TO THE LOAN COMPANY. THE LOAN COMPANY HAS A OPEN ACCOUNT IN MY NAME FOR XXXX. THIS IS NOT TRUE. AND IT IS SHOWING ON, ON MY CREDIT REPORT. I WOULD LIKE FOR THIS TO BE REMOVED OFF MY CREDIT BECAUSE THE INSURANCE COMPANY HAS ALREADY PAID THERE PORTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XXXX XXXX, I mailed to Experian via XXXX certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX XXXX  XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. The identity theft report also included inquiries. 

The documents were delivered to Experian on XXXX XXXX, XXXX, in XXXX TX. 

To date, I have not received any information related to the above information and 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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are items that are on my report that doesn't belong to me and has not been verified. Here are the items : XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX,. XXXX # XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2020-04-25
Company: JPMORGAN CHASE & CO.
State: MA
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:
In addition to a false 1099A for the HELOC being sent to me, on XXXX at XXXX, I spoke to XXXX XXXX XXXX her client Chase, their legal representative. I told her I believe because of all of the illegal attempts to terrorize me emotionally and financially to incur XXXX XXXX/XX/XX/XXXX that her client Chase is trying to XXXX  me with the side affects to my health and financial life. 

She told me that " they are not trying to XXXX  you, they are only trying to get you out ''. Recently please refer to CFPB complaints # XXXX and # XXXX false information has been and still is being put into the three credit bureaus damaging my credit already attached in the CFPB files. Chase is also currently trying to foreclose on a HELOC non existent account that was said to be extinguished with the first illegal non negotiable account. The Chase attorney is responsible for all of this criminal activity against me. 

This is NOT a duplicate complaint this one Adds to the criminal acts against me. The crimes I am referring to are in fact as follows : Credit reports are binding. 

" A third party loan servicer may not use unfair or unconscionable means in servicing any loan. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.21 : ... ( 6 ) Knowingly or recklessly providing inaccurate information to a credit bureau, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I received the initial call, I asked the agent to stop calling me as I have no debt with the debtor XXXX XXXX ). After that, I received a call from a very deep voiced gentleman. He asked me my name and when I said yes, he hung up on me. He called back at least XXXX more times that particular day. Since then, I get multiple calls from this number and another number starting with XXXX. Most of them I allow to go to voicemail. I already know he 's going to hang up when I answer. I feel as though I am being harassed and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
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: Investigation took more than 30 days

Complaint:
EQUIFAX, XXXX, AND XXXX ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX  Opened XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} XXXX PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER XXXX NOR EQUIFAX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX Opened XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Stearns Ventures, LLC
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:
I have 1 mortgage account on my credit but 2 are being reported because my loan was transferred which is making my score drop an additional XXXX points from the original XXXX that dropped when I first received my mortgage I attempted to remove one of them because regardless of it was transferred or not there should only be 1 mortgage account on my credit as well and the joint account holder. I feel like these credit bureaus are getting over doing these type of things its unfair to the consumer Ive worked hard to keep my account on track and pay all my bills on time but I keep getting penalized for another companies mistake

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 2021-05-12
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: Account status incorrect

Complaint:
I had a car loan with Santander Consumer USA , Inc. with a maturity date in XX/XX/2021. I made the last payment in XX/XX/2021 and checked the account several times later which was at XXXX balance. Someone from Santander Customer Service calls in XX/XX/2021 and tells me that I have a fee of {$140.00} to pay before I can receive the title of the vehicle which I pay while on the phone. While I was looking to refinancing my primary home mortgage and found out that Santander has reported me 30 days late to the credit bureaus for {$140.00}. Even that I was unaware of the {$140.00}, I paid them the same day they inform me about it. All I need from them is to correct the mistake and clear my name so I can procced with the refinance of my mortgage. 


Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, 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 would like to say that I do not recognize these accounts, and I am requesting that you delete these accounts as I do not know how these items appeared in my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I am the heir, executor, beneficiary, settlor, and principal of my legal decedent. On XXXX XXXX, XXXX a title loan account for a XXXX XXXX XXXX was open with TITLEMAX in Georgia in the amount of XXXX}. I paid the fees each month for XXXX months totaling XXXX  The last payment was made in the amount of XXXX  on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was given a security interest each month the loan was renewed totaling XXXX The total amount including fees is XXXX}. On XXXX XXXX, XXXX TITLEMAX repossessed my vehicle. On XXXX XXXX, I phoned the TITLEMAX office to get my personal property from the truck. I was told they did not have possession of the vehicle and no guarantee they would have the vehicle back in order to get my personal property. I was unable to earn compensation for XXXX weeks. On XXXX XXXX, XXXX, a Truth in Lending Rescission Notice was sent to the XXXX of TITLEMAX, the XXXX of XXXX XXXX XXXX XXXX XXXX, the registered agent of TITLEMAX, and the registered agent of XXXX XXXX XXXX  XXXX XXXX. The XXXX day right of rescission disclosure was never given to me at the origination of the loan. TITLEMAX had XXXX days to dispute the rescission by filing a lawsuit against me and that time has now passed. On XXXX XXXX, XXXX, I received a letter from a litigation paralegal of TITLEMAX stating I can get my vehicle and they will release the lien in exchange for my signature on a mutual settlement. A rescission states that all monies paid and all property to be returned to me the principal because the contract is now void. The letter states my vehicle will be sold in XXXX days which is XXXX XXXX, XXXX if I do n't agree to their settlement. There is a bigger problem since XXXX XXXX XXXX  XXXX XXXX is involved. I need an audited accounting of debits, credits, and expenses and how many other accounts that were created from the XXXX accounts. TITLEMAX sent a one- sided accounting record of the payment transactions, but not the other pieces to the accounting. I requested XXXX} to be returned to me, but if this goes further, I will be demanding damages for all FDCPA and XXXX violations. Since a security is involved, I am the first party heir to my decedent 's account because I am the living heir to the party of interest. I am requesting a cease and desist until this entire matter is resolved. I received a letter from XXXX XXXX XXXX XXXX XXXX stating they needed additional time to investigate and to expect a response by XXXX XXXX, XXXX. The rescission was effective the day it was mailed. I need both Corporations to follow the XXXX in XXXX XXXX XXXX XXXX guidelines. Both companies defaulted on their opportunity to dispute the XXXX rescission within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello. I have been a customer since 2004. I was XXXX XXXX XXXX. I got a job and opened up my bank account at the XXXX XXXX  XXXX. Through the years of being with the bank its changed a few times. The most recent, current bank is now peoples United bank. I never have issues with anything ; Im always a very understanding person when it comes to issues. But this issue Im having is making me loose sleep. Since having this bank I been feed for having money in my savings. Im trying really hard to save money. Even just a little bit : and been charge XXXX dollars in total for a service charge. I dont know how to save money if it the bank keeps taking it out. I plan on closing the savings account and saving money a different way. But thats not the Issue. The real issue is I most recently been charge 12 over draft fees in less then two weeks totaling XXXX Dollars. I lost my job of ten years and gave birth to my XXXX  child during the beginning of the pandemic. My husband also lost his job last year and all financial security had gone right out of the window. Since having to stay home with XXXX children, homeschooling XXXX of them I am forced to collect unemployment until I can afford to find a child care and school is back in normal session. Our lives have completely turned upside and as a mother of XXXX children I want the best for them. I dont mean for this to turn into another sob story but its very gutrenching this much money has been takin from my account. 3 weeks ago my wallet was stolen and the person used my credit cards and debit card. They used XXXX at a smokers shop and XXXX at a gas station. I had budgeted enough for the week but the money they taken from my account put me behind for a few weeks until my account was credited the fraud amount. During this time I was charged 12 overdraft fees. I called the bank hoping I can get them refunded but after talking with the customer rep they said I already had a curtesy refund this year. They also suggest I have a sweep on my account so this doesnt happen again in the future. I feel abused and absolutely discriminated against as a low income individual. I was charged an excessive amount of with drawl fees and this practice seems predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-09
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged with a debt that was covered by XXXX XXXX XXXX, XXXX I sent all the information to the Collection Agency and made the claim here in the CFPB, I received all your help and the debt was removed from my credit report, after some months they apparently sold the debt to a Law Firm and now they are reporting the debt again, I sent to the law firm all the info so they can make the research and be paid by XXXX XXXX, they didn't answer to me, they didn't call, or send a letter and they put the account in collection again.I had a good credit score, I take care of my credit because I have financial goals to improve my family life and this people just put an account on collection without making the research and do their work properly affecting my family, without any respect, of course they don't care about the consequences for me and my family since is not theirs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have 5 late paid entries on my credit report back from XXXX, this seems like it will never go away. It's been 6 years and according to the FCRA, according to New York State law, these reports are illegally still showing on my credit report and they are hurting me financially. I have waited years and suffered with what essentially amounts to a XXXX XXXX because I can not get this company to remove these very aged late payments ( also the account has been closed since XXXX to boot ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from PRG this morning they have been calling multiple times a day while I am at work. I let her know that I would not be giving out my credit card information over the phone and she became very aggressive not letting me speak and telling me that I was on camera and what not. She then began to state that my credit would be severely damaged and I would be sued. So unprofessional.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have repeatedly tried to contact DiTech for a XXXX XXXX. I have done it in the past and they approved it. On XXXX I had an envelope taped to my door from a lawyer stating that my house is in Foreclosure. I filled out all the loan modification paperwork with everything requested the end of XXXX. I put the house on the market hoping to sell before receiving a rejection or acceptance of the loan modification because I can never speak to anyone. They have assigned me a representative named XXXX who never answers her phone and does not accept voice messages. I gave my realtor written authorization to speak on my behalf to DiTech, as I have a job that requires my full attention XXXX, which is the same hours as XXXX XXXX My realtor can not get ahold of her or anyone else about my loan. She spoke to XXXX once and was told that all my loan modification paperwork was turned in and the manager was reviewing. She said the manager would send me a rejection or acceptance letter within XXXX days which I have never received. My home is being sold in an auction on XXXX XXXX, XXXX and I still have not heard anything from DiTech nor can I get a hold of anyone at DiTech. Please help me in finding out if I have been rejected or accepted for a loan modification. I do not know what else to do. Can this company refuse communication with me but still sell my home in an auction? Can the still sell my home in an auction without communicating to me that I have been rejected or accepted a loan modification. I do not know what else to do so my realtor advised me to file a complaint with you. Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where they received such information, so I may take appropriate legal action. Under the FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below is the list of the fraudulent items I found on my XXXX report ad must reoved from my Credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief