BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Santander Bank is claiming a defaulted account of {$6700.00}. I do not believe this account belongs to me. On XX/XX/2020, I emailed Santander Bank requesting a validation of debt. Under Massachusetts state law and Federal regulations, they had 5 days to provide validation on my claim. They failed to reply with any validation, instead requesting I call to discuss instead. Please note, failure to provide validation from a written request is not legal. After receiving that reply, on XX/XX/2020, at XXXX, I called and spoke with a representative. The woman | spoke to informed me they would email me a validation of debt. I requested the validation not only via email, but also hard copy in writing. No validation or any form of communication has been received. On XX/XX/2020, at XXXX, I followed up with another phone call to check on the mailings of the validation. After speaking with multiple employees and being transferred to multiple departments, I was hung up on. Again, this is not legal. On XX/XX/2020, I sent Santander Bank a Consumer Protection MGL Chapter 93A Demand Letter, via certified mail. I was notified that it was received by Santander Bank on XX/XX/2020. By law, they had 30 days to respond : 30 days has passed with no response.

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 2020-01-11
Company: Experian Information Solutions Inc.
State: MD
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:
I got denied a loan for a car, and the salesman helped me request copies of my credit reports because he was telling me about repossessions that I'd never had, so I ordered all of my reports. There, I found other things on my reports that I had never heard of, and proceeded to write letters to the XXXX and Experian bureaus disputing a lot of these items, and to XXXX requesting a credit report because they claimed not to find me by my information when I called in, despite XXXX XXXX 's service finding my XXXX report supposedly. ( All were mailed out and received with tracking numbers XXXX, and XXXX on the XXXX. ) Oddly, I didn't hear back from any of the three agencies at all. With XXXX, despite writing and telling them that I was being denied credit and sent them another letter requesting the credit report and checking of all inquiries as there are a LOT on my file that I haven't authorized. I had allowed extra time, this being the first time I'd done this, but someone showed me the FCRA, and said I should write all of them back because since they hadn't replied, all that information should be corrected as they'd passed the time frames of federal law. 

I followed that advice for the other two - XXXX and Experian, and sent a letter stating that they were in violation of the Fair Credit Reporting Act ( that I found a copy of on CFPB 's site ) and XXXX acted swiftly to remove the items from the first report, and I have asked them to check into all this mass amount of inquiries that had appeared in the last year as well, This was sent on XX/XX/2019, but I have not heard back yet. Experian, however, responded on XX/XX/2019 for the first time. They were initially mailed the XX/XX/XXXX, and USPS tracking shows received they received it on XX/XX/2019. However, they did not delete items, and keep responding with saying things have not been removed at this point.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/2020, I put a fraud Alert on my credit report with Transunion and XXXX. The fraud account have not been removed from credit report. I have submitted the Federal Trade Commission Identify Theft Report XXXX - Police Report number XXXX, Officer XXXX, Badge # XXXX. I have reached out to XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX and XXXX Bank by mail and phone with no success removing the fraudulent accounts off my credit report. I have reached out to XXXX and Transunion by mail and phone with no success removing the fraudulent accounts off my credit report. 

Thanks 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 2020-01-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage loan LTV reached 80 % in XX/XX/XXXX. My husband and I requested a PMI cancellation, in writing, to the company. They then sent a letter to use stating the need for a BPO to determine the current home value. At this time, the representative stated that when PMI is cancelled, since it would take a few weeks to review, we would receive a reimbursement for any unnecessary PMI we have paid. Instead of having the BPO completed, in XXXX, we made an additional payment, bringing the LTV below 78 %, at which point, the website states that PMI will automatically be terminated. PMI continued to be applied to our payment. On XX/XX/XXXX, after I had not heard back from the company twice after submitting e-mails through their website, I spoke to a representative at the company by phone regarding PMI cancellation. They stated that a work order had to be submitted in order for PMI to be cancelled and we would hear back by XX/XX/XXXX at the latest, but likely sooner. After not hearing from anything or receiving documentation, I called the company on XX/XX/XXXX, who stated that they sent the letter on XX/XX/XXXX ( we had not yet received it ) stating the need for a BPO but  that the work order was never actually investigated. After I reminded the representative that the BPO was not required once the LTV was below 78 % ( per the Homeowners Protection Act of XXXX and their website that states automatic termination ), the representative supposedly spoke to a supervisor. They then said that a new letter would be sent out with the next 7 days confirming cancellation of PMI. As of today, XX/XX/XXXX, PMI is still applied to our account and we have not received a letter regarding PMI.

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 2023-08-10
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:
Dear XXXX, I, XXXX XXXX XXXX , am writing on my behalf to express serious concern over inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ) found in my credit report from TransUnion.

Upon my review of this report, I have found multiple discrepancies, including incorrect addresses and several derogatory marks that are not associated with me. I must stress that I have never provided written permission for these details to be added to my credit report. This behavior is a clear violation of the FCRA. 


I also request the immediate removal of the following incorrect previous addresses : XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my address to the following : Furthermore, there are derogatory marks on my credit report that are incorrect. The specific accounts are as follows : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Accounts # XXXX Account Type : Collection Account Status : Derogatory Balance : {$1600.00} each Date Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Last Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Type : Collection Account Status : Derogatory Balance : {$960.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX I request that you take immediate action to investigate and rectify these inaccuracies. In accordance with the FCRA guidelines, I expect these inaccuracies to be corrected within the stipulated 30-day timeframe. If these inaccuracies are not rectified within this timeframe, I may be forced to seek legal redress.

Please note that the FCRA, under 15 U.S.C. 1681 Section 602 A, stipulates my right to privacy. Additionally, under 15 U.S.C. 1681 Section 604 A, a consumer reporting agency can not furnish an account without my written instructions. Any violations of these regulations will lead me to seek a fine of {$1000.00} per violation as provided for under the FCRA.

I anticipate your immediate action to investigate these matters and provide written confirmation once the requested changes have been implemented.

Thank you for your prompt attention to this critical matter.

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 2021-02-03
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing purchased my equity line of credit XXXX {$60000.00} limit ) from XXXX XXXX XXXX in XX/XX/XXXX, The balance was in or around {$54000.00}. In XXXX XXXX XXXX or so XXXX the account reached its draw down limit {$60000.00}. I was not able to make but one payment in XXXX the rest of the payments were applied to the balance on the account. A bill collector on behalf of SLS contacted me in early XX/XX/XXXX about the account. I contacted SLS and sought a forbearance agreement. It was granted and they sent me a letter confirming that I was in forbearance for the period XX/XX/XXXX, XXXX XX/XX/XXXX, and all foreclosure activity would cease. 

In XX/XX/XXXX, my usual statement listed attorney 's fees, other foreclosure expenses and my house was listed with XXXX XXXX GA for public auction for XX/XX/XXXX. I contacted SLS at their customer service number and was told that something was wrong because I was in a forbearance agreement. I emailed the bill collector - attorney and explained that I was in forbearance. I wrote the first letter of many to SLS who did nothing but canceled the sale for that date. I complained about them billing me for foreclosure expenses while under the forbearance agreement. In my next statement the legal fees associated with foreclosure were changed to " corporate advances '' XXXX same amount for each item that was billed in the XX/XX/XXXX statement, and designated as foreclosure activity ). I wrote an overnight letter requesting a full disclosure of what the fees were and under what authority were they placing these corporate advancement fees on my account. The payment department in XXXX XXXX CO sent the letter back to me and told me that their billing office in XXXX CO handled account issues. I sent a copy of the letter to them, and as of today, I have heard nothing. On XX/XX/XXXX paid the reinstatement amount which included the corporate advances now billed as " fees billed '' with no explanation.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. I've listed the unauthorized inquiries below. XX/XX/2023 andXX/XX/XXXXXX/XX/2023 Please delete these unauthorized inquiries ASAP.

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 2020-01-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with chase and therefore any account with chase has to be removed.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 recently reviewed my credit report and noticed several inaccurate items on my credit profile.

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 2021-07-19
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
On the date of XX/XX/XXXX I checked my credit score as I usually do using XXXX XXXX  on or around XXXX XXXX. My credit score with Transunion dropped 64 points. The only activity showing on my accounts was 3 payments to 3 different credit card companies. One of them being XXXX XXXX Credit Card. I then checked my credit report and XXXX XXXX Score using Transunion 's website which I am a member of. It also shows a drop of 64 points. I contacted Transunion at XXXX on XX/XX/XXXX ( Monday ), the agent ( XXXX ID : XXXX ) stated that XXXX XXXX Credit Card was reporting a balance of {$370.00} on XX/XX/XXXX and therefore my points dropped drastically. My credit is at {$550.00} and since I was using more than 30 % of my available credit I was dinged for this. I explained to her that it's incorrect and my balance is in fact {$0.00}. I asked if there was anything I could do and the only she suggested was contest my balance via a dispute with them against XXXX XXXX XXXX  Card. I did as suggested but I also mentored that this was unfair credit reporting practices and that this was going to take me 30 months to raise my credit because of this error. This complaint is against XXXX XXXX XXXX  and Transunion for unfair credit score reporting practices and providing incorrect balance updates which caused this issue. 

This complaint is on my behalf by me, XXXX XXXX. 

I can provide statements and further details if required. 

I would just like my points back as this is going to affect me buying a home eventually as well

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 2020-01-11
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My card advertises certain protections including purchase protection. As long as the terms are met, my purchases are covered from accidental damage/theft/etc. I bought a XXXX action camera that I accidentally damaged. I was within the protection period for purchase protection. I submitted a claim and was subsequently denied because I did not take " reasonable '' care of my camera. I used the camera exactly as it was intended and always had it in my possession and safe. It was damaged due to accidental use. The claims adjuster provided no definition of " reasonable '' care nor did they explain why they are an expert on what reasonable care of a XXXX  is. I requested reconsideration twice and received no response except a duplicate of the denial letter. I called and requested a formalized complaint and was assured my issue would be addressed. I never received any further communication about it There is no definition of reasonable care in the terms and conditions. This allows adjusters to arbitrarily decide what is considered reasonable and what is not. It creates an option to unfairly deny customers ' claims while still advertising the benefit.

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 2023-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Dynamic Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called and Dynamic Recovery Solutions ( hereinafter DRS ) and DRS would not provide any evidence of the claimed owed {$380.00} andwhich claimed debt they inserted in my credit file. I called the asserted provider Florida XXXX XXXX Department to verify that I had a " 0 '' balance and they confirmed a " 0 '' balance but XXXX would not accept the information but offered to send me a " packet of forms to fill out '' which XXXX was intended to extend the adverse credit reporting to XX/XX/XXXX and on information and belief other credit reporting businesses. I never received any forms to fill out and their agents were abusive. I contend that they engaged and committed a " tort of outrage '' using their business position to effectively cause an inability to obtain other shelter should I lose my present shelter and intentionally damaging my credit using their business position. It is my understanding that this is their business practice. 
I claim that the emotional distress and time associated with their trying to reverse their actions of committing a tort of outrage caused me extensive monetary damages and due to my medical condition threatened my life. Upon information and belief XXXX has committed like acts againts thousands if not 10 's of thousands of consumers like myself to force collection of invalid debt claims delaying removal of negative reporting to further harm persons like myself intentionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: IN
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:
Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted. from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more then 60 days and you are in VIOLATION of this law.

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 2023-03-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is my follow-up complaint in line with my previous complaint dated XX/XX/XXXX. I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items due to their erroneous status. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation