BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: Santander Consumer USA Holdings 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called to dispute accounts that were not mine on XX/XX/XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX.
I received an updated report that they have been verified. I called on XX/XX/XXXX asking for verification and was informed that they had no verification only what CREDITOR SAID. So I have information being reported without verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, 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:
Hi my name is XXXX XXXX and I'm reaching out to you all once again in regards to my credit report. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I reported this issue to the police already and have contacted the FTC. These items are not mine and I have no idea how this happened but these items still need to be removed from my credit report : XXXX  XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i had a 2yr contract for sat.tv after 1yr they said they were raising the amount so i told them i was canceling. i was paid up at that time they were going to charge a penalty for canceling. they offered me 2 mo. free and then charged me any way so i canceled. iwas told i could'nt cancel i had a contract. if they can change my contract after 1yr why can't why can't i cancel

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: ERC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 XXXX XXXX XXXX  equifax highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 eqifax and XX/XX/2019 XXXX  will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
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 am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify the account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, 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 2019-10-01
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX.

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX  with no response.

There was a lot of errors with XXXX on this account and as yet to be settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
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 status incorrect

Complaint:
As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXX regarding the issue but the item is still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A credit card reporting on my credit report. When I call to get information, Best Buy is unable to locate my account by name, social, email or phone number. Not being able to identify or resolve this account in either way is hindering me from home purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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:
I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file. 
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
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:
I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file. 
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately

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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 XXXX XXXX XXXX  XXXX  highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 XXXX  and XX/XX/2019 transunion will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Was not notified of investigation status or results

Complaint:
I have sent Equifax dispute letter and in XX/XX/2021 with no action and proper investigation has taken place. I sent another affidavit with evidence showing the errors on my credit report and asking ask how if any there verification has been done, This letter was sent on XX/XX/XXXX XXXXand still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-10-01
Company: FORD MOTOR CREDIT CO.
State: GA
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 been a customer of Ford Motor Credit since 2013 and during that time, I have enjoyed my experience with Ford Motor Credit greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to 2013. All of the late payments are 30 day lates. Since that time I have been an exceptional customer paying early every month and have been rewarded by Ford Motor Credit with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 6 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Ford Motor Credit is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Ford Motor Credit. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Ford Motor Credit has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Ford Motor Credit is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I searched Loan on the XXXX XXXX and I found XXXX. Its odd how when I researched XXXX, it did not pop up. Thats when I knew the app is a scam. Along with the information it had asked me ; employment, bank information, social, date of birth, email & password I knew it was a scam. Ive also received a bunch of emails from different lenders stating that I got approved for a certain amount and from closely reading the document if I were to borrow {$1200.00} through Loan At Last, the interest rate is 664.83 %!!! Thats ridiculous!!! Sadly, Ive read the reviews after I had applied with Loan At Last/XXXX  and they mentioned the same exact thing. Please help me protect my identity and information!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I need help with my Mortgage It was with XXXX XXXX   when I started this my Husband XXXX passed away and i wanted to have the payments put in my name we have lived here for 30 years and i have nowhere to go They ask me to send in Certificate of death and was told i could not make payments till it was fixed from there they ask me to send in a lot more paperwork over the next few months. 
They said we were all set and then the Loan went to SPS mortgage they said they knew nothing and i needed to start sending them a lot more paperwork also they had me go the County and get all the Deed paperwork and Letters of Authority so I did and sent them months went by of more paperwork sending and a few weeks ago they said now we cant help you because you gave up the home in the bankruptcy 10 years ago. I kept telling them we never did that we always Reaffirm the Mortgage and have been paying for the home we went back and forth for weeks on this they said they had paperwork to prove this and started to sell mt home Sale date XX/XX/2019 I called legal help line and told me to go downtown to the United States Bankruptcy Court and get a copy of the paperwork so again I took the day and spent the money to get this paperwork and sent it to them showing we did Reaffirm the home. 
Now they are looking into this and the Sale Date is still on my home Please Help Me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1 I opened a Savings Account with BMO Harris Bank on XX/XX/XXXX. A initial deposit by check of {$5000.00} was sent to them on XX/XX/XXXX. The check was paid by my Bank on XX/XX/XXXX. Now BMO Harris has put a hold on the funds until XX/XX/XXXX which is 12 days AFTER my Bank disbursed the {$5000.00}. In the meantime the money is idle and not earning interest. This hold of 12 days is excessive and abusive. 
2. The interest is not posting as of the end of the month as it is customary with all Banks. BMO Harris says it will show the interest posted at the end of the monthly cycler. 
3. To talk to a human at BMO Harris takes usually 30 minutes or more on hold. UNACCEPTABLE! 
4. Communications by email go unanswered. 
5. When you ask to talk to a responsible Manager you are not allowed and given a runaround. 

In my opinion, this Bank is a SCAM and should be investigated by Federal Banking Authorities. I have now made a 2nd deposit of {$5000.00} via on-line transfer and they don't even acknowledge that 2nd deposit. I am very concerned that my {$10000.00} will be lost! 

Please investigate and let me know! 
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 2017-11-23
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2014 ( 3 yrs, 5 mos ), {$710.00}, XXXX XXXX XXXX Never respond back to my letters. Because I have never been to this hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Not sure what type of company this is ( whether debt collector or not ) but they called me at XXXX XXXX at which time I was in a meeting. When I made it home I found out they called my husband, his ex-wife, my ex-husband, and my sister leaving a message that said they are calling to verify whether they have the correct address for me, for a pending matter and to avoid any further proceedings we need to contact XXXX Ref XXXX. When I contact the number I immediately asked for a supervisor and she went silent as if getting someone and I told my husband it did not make any sense they calling all over and she said, " We will call all over and whomever we want '', and then hung up the phone. I called back and again pressed 2 to get customer service and asked for a supervisor and the woman began trying to read off something at which I told her I do not want to hear anything because you have violated my rights and I would like to speak with a supervisor. She then proceeded to began to say how I will not talk to them raising my voice and I hung up the phone because it is apparent they this company is either so use to these tactics until they do n't know that they are wrong.

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