BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
im working with XXXX XXXX to help repair my credit .little over a year ago someone tried to use my ss # i had to send information to the irs and other creditors so if you could please remove the hard inquires on my report i would appreciated thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: NJ
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 have 2 credit card through XXXX XXXX XXXX for some reason my card ending in XXXX all 3 credit report agenceys are reporting it closed but its not closed i have spoke with XXXX XXXX customer service rep at XXXX XXXX XXXX and she has tried fixing it but its keeps reporting as closed the account is not closed.

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 2022-02-04
Company: EQUIFAX, INC.
State: MS
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 stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. 

Equifax is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. 

They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. 

I would like for XXXX and XXXX to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. 

I have no Written agreement with XXXX and XXXX nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Resurgent Capital Services L.P.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: SUNTRUST BANKS, INC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
hELLO CFPB? I HELLO I AM XXXX XXXX, I HAD GOTTEN A STUDENT LOAN FOR MY SCHOOL YEAR OF XX/XX/XXXX THRU XX/XX/XXXX. I DID NOT RECEIVE ALL OF THE LOAN THAT THEY SAY I TOOK OUT. IT IS NOW OWN BY SUNTRUST BANK, I THINK THEY ARE JUST TRYING TO COLLECT ON A OLD LOAN, WHICH IS ABOUT 38 YEARS OLD TODAY. AND I HAVE TRIED TO WORK THINGS OUT WITH THEM? AND TO NO AVAIL HAVE THEY MET MY NEEDS. I AM STILL IN SCHOOL. I AM STUDYING LAW. AND I KNOW I DO NOT HAVE TO PAY THESE LOANS UNTIL I FINISH MY SCHOOL TERMS. BUT THIS BANK IS CURRENTLY HARASSING ME OVER THIS LOAN, IN WHICH THEY BOUGHT FROM ANOTHER COMPANY AND MAY BE THEY SHOULD HAVE LEFT THIS LOAN ALONE IN THE FIRST PLACE. I WILL NOT BE FINISHING SCHOOL UNTIL XX/XX/XXXX YEAR OF MY GRADUATION, I AM GOING AFTER MY XXXX DEGREE. THAT TAKES A LOT OF MY TIME. AND I HAVE TRIED SO OFTEN CALLING THEM AND THEY STILL SAY NO? SO i DO NOT KNOW WHAT TO DO, A LOT OF PEOPLE TELL ME THIS LOAN IS FORGIVEN, BY PRESIDENT OBAMA LAST YEAR OF HIS TERMS. SO WHAT AM I TO DO? I AM RUNNING OUT OF OPTIONS I NEED HELP WITH THIS, THEY ARE NOT WORKING WITH ME AND THE WANT A LUMP SUM OF MONEY NOW? THEY HAVE MADE MY CREDIT SCORE GO DOWN REALLY BAD, AND THEY ARE CALLING ALL OF MY PEOPLE AND TO MY CURRENT SCHOOL TOO. I AM IN DEEP WATERS WITH THEM, I HAVE TRIED MY BEST TO WORK WITH THEM BUT THEY SAY NO. I TOLD THEM THIS LOAN IS ABOUT ( 38 ) YEARS OLD IN TOTAL. IT SHOULD BE FORGIVEN BY NOW. AND I HAVE TOLD THEM TO LEAVE ME ALONE AND LET THIS ALONE TOO UNTIL I GRADUATE FROM MY COLLEGE I AM ATTENDING NOW. I HAVE NOT BEEN ABLE TO WORK WITH THEM AND THEY ARE STUDYING MAKING A LOT OF TROUBLE FOR ME. PLEASE HELP ME.

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 2021-12-28
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:
On XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had the Firm of XXXX XXXX XXXX, represent me in my loan modification for 3rd time, I had a loan modification done with XXXX XXXX XXXX in XX/XX/XXXX, legal and notarized I made the payments according to the Loan Modification Account No : XXXX dated XX/XX/XXXX it was a loan modification way before every consumer affected by the XXXX XXXX Fraud to millions of consumers, we took the case to XXXX courts on case No : XXXX, and had 4 legal defense attorneys proving the lender did not have the Title or Note, the judge clearly took the Bank side and the illegal transfer they did after XXXX XXXX XXXX went Bankrupt, it has been 9 years of complete nightmare I am senior citizen XXXX XXXX Veteran, and I have seen how the Banks manipulate their paper and interest, I just viewed a Title report that is Fraud in order to do a Foreclosure Sale on my home next week XX/XX/XXXX, it was done by XXXX XXXX, ( aka ) XXXX XXXX by XXXX XXXX XXXX Report Date : XX/XX/XXXX report No : XXXX, they lied and did not report I was the Owner on the property as shown in XXXX Property search and did not filled the information on sales and transfers done with my property as XXXX XXXX Clerk of the courts shows, I ca n't believe that corporations are doing Fake Titles for Mortgages in order to sell the homeowners only home, even with a filed XXXX on record of the court they laugh and continue to do Fraud, I sincerely hope that your agency could place a stop by your powerful office from the US Goverment and help me out on my desperate situation.

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 2022-02-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This my second claim since my first claim didnt come to a resolution XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by putting an unauthorized inquiry on my consumer report without my consent and has also failed to verify the inquiry and failed to comply to my demands from my ceased and desist letter and the payment of the invoice I sent as well. 
I am a consumer and the FCRA States the fact that credit reporting agencies are supposed to report accurate information by XXXX XXXX XXXX XXXX XXXX illegals actions it has cost me financial damage to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CITIBANK, N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
For maybe a decade I've been billed for fraudulent charges and the company has only and always given me the complete run around and always refuses to remove the fraudulent charges, despite all of the " declaration of fraudulent charges '' forms I've filed out and sent back to Citibank N.A. I've called over a dozen times and have always been directed to their " international call center 's '' and have never been given any consideration, what-so-ever, to the fact that this has been on going for a decade!! They never follow-up! they never dispute the charges! I'm certain I've paid triple with the interest and interest rate hikes I've paid over the years because of this. My credit is perfect and I wonder if it in fact wouldn't be better without the company keeping the charges on my monthly credit bureau reporting without at least removing it as part of the dispute process??!!

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 2020-06-23
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid. Called multiple times and company has not told me when they will process the Warrant of Satisfaction. Would like them to issue the Warrant of Satisfaction and Release of Lien.

I called and no one has the timefreame information. I have received copied from two other agencies within the same time frame. They are telling me it's related to the courts however, I am requesting a copy of what MCM is sending to the courts. Not the response from the court. What I am requesting comes from MCM, not the courts so there's no real reason for a delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I havent been able to access my Citibank account for 2 weeks before XXXX I got in contact with bank as soon as I realized I couldnt use My card. I spoke with an agent and the representative said my account was under a fraud block and that the account was referred for closure. I was trying to see if I could open a new account to transfer my funds but they said I would have to wait for a letter notice in the mail, and that my check will be disbursed to me within 60 to 90 days of account closure the bank account is still not closed and its blocked I cant get to any of my funds which is exactly {$4200.00} in the account that they wont allow me to withdraw. The dates Ive called are expanded between XX/XX/XXXX and XXXX the days before my account was blocked by the fraud department. They wouldnt allow my to verify my identity because I had to change my phone number 2 weeks before because of personal reasons. They locked my account with no notices or statements regarding the state of my account being blocked at all.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of XXXX XXXX negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.

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 2022-02-04
Company: Smith, Rouchon & Associates, Inc.
State: MS
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:
XXXX is stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. 

XXXX is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. 

They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. 

I would like for smith and rouchin to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. 

I have no Written agreement with smith and Rouchin nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Not a good area to discuss this on your site ... ..XXXX ... ... XXXX and XXXX are XXXX websites that are all crooked scams ... ibought a small freezer from XXXX  and then discovered that it is a fake scam site ... then idiscovered that all three sites are the same thing ... XXXX knows they are scam sites and allows them tocontinue ... ..they should have already shut them down ... ..XXXX  and XXXX need to be regulated by the gov ...

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 2021-12-28
Company: EQUIFAX, INC.
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:
If the three credit bureaus, Equifax, XXXX, and XXXX, are private and for-profit companies, why I am obligated to have my information with them? I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? Where is the US LAW that states that they can not remove my personal information at my request?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Account information incorrect

Complaint:
I asked XXXX and Equifax to remove this information on my report as it is incorrect. 
They never did!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions 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:
Dear CFPB, XXXX XXXX XXXX, XXXX, XXXX, Exoerian. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the XXXX loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to XXXX XXXX be mailed to me. I am asking XXXX XXXX to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and 3 personal loans in my name in the state of Nevada. Now there is another loan. With XXXX. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to XXXX XXXX XXXX XXXX To all 3 credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from XXXX search is that XXXX XXXX operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.

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 2022-02-04
Company: MEMBER FIRST MORTGAGE, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Member First Mortgage ( through an " error '' ) released all of my credit report to my ex-husband without my consent. He is refinancing the mortgage on our marital home to buy me out of my share. My name is NOT on the application, and we are no longer married, but they provided my entire credit report to him without my consent or knowledge.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB, XXXX XXXX XXXX, XXXX, Transunion, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the XXXX loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to XXXX XXXX be mailed to me. I am asking XXXX XXXX to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and 3 personal loans in my name in the state of Nevada. Now there is another loan. With XXXX. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to XXXX XXXX XXXX XXXX To all 3 credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that XXXX XXXX operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.

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 2018-01-03
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account on all my credit reports that it is paid and closed but 30 days late. I have been in contact with the company, Santander Consumer USA and they are stating that they can not remove the 30 days late. I do not understand how I am late in XXXX of 2014, when I got a new car on XXXX XXXX, 2014. I do not understand how I was late, when in the month they are stating I was 30 days late, I got a new car. If you look at my history that was my only " late payment ''.

Company response to consumer: Closed with explanation