BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I have disputed these accounts numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The accounts need to be removed as it is fraudulent : XXXX XXXX  XXXX Balance {$5600.00}, XXXX XXXX  XXXX Balance : {$2400.00}

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 2022-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've submitted this complaint several times already about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: SC
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 DISPUTED WITH EQUIFAX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at XXXX, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with Transunion and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. Transunion 's credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$7600.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 DISPUTED WITH XXXX AND TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, XXXX AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2019-08-02
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, am a XXXX XXXX, this compant is saying that I, have pass due money payments for the yrs XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX on my credit report, they are wrong, I asked the company for a deferment or forbearnece each of the years aove, I should have good credit no missed payments or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Celsius US Holding LLC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
hello I borrowed money by offering XXXX as collateral to Celsius. 
They are providing a loan service, and even if they repay the borrowed money, they do not return the collateral. 
Why do I have to repay the borrowed money and why do I have to pay interest monthly if the collateral can not be recovered? 
It's too unfair. 

Celsius Network LLC Celsius Network LLC XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX XXXX XXXX : XXXX XXXX Celsius Lending LLC- XXXX ID- XXXX XXXXXXXX XXXX XXXX XXXX XXXX Celsius Network LLC Celsius Network LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX : XXXX XXXX XXXX XXXX LLC- XXXX ID- XXXX XXXX  Consumer Access

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.

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 2017-09-02
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Opened account on XX/XX/XXXX, paid as agreed up to todays date of XX/XX/XXXX. 
Santander has refused to timely communicate or resolve the 4 missing payments to date. 
The dates of the missing payments are XX/XX/XXXX,XX/XX/XXXX and 2 payments combined on XX/XX/XXXX. 
Santander uses a 3rd party to process their payments ; XXXX XXXX speed pay. 
XXXX XXXX confirmed they processed these payments successfully, and certified/notorized bank statements have been provided as well. A complaint about this issue, but only the first 2 payments were involved, the payments from XX/XX/XXXX are completely seperate and new. 
Santander has had numerous similar complaints filed against them that are available on the internet. 
They are acting like thieves, not returning calls or communicating to resolve this major issue. 
My attorney has attempted to contact Santander, only to have Santander claim they needed a release to discuss my account, but a release was provided over a month ago, confirmed received by Santander, but still no contact. 
This behavior is unacceptable, and harmful to me, as my credit score went down over 150 points and lost income. 
Their policies are against the laws and need to be rewritten to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried for years to pay this off. They offered me forbearance after forbearance and deferments. Ive had it for XXXX years and still owe more than the original balance due to late fees and interest. The % is over XXXX %. They hiked my monthly payment to over $ XXXX m. They would not work with me. I want to pay it back- but its a steep hill to climb. Is there a way to get them to forgive the interest and late fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX This is another account on my credit file that is fraudulent.

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 2018-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've been back and forth with Bank of America to get off CRA XXXX XXXX. I am a XXXX XXXX veteran and showed BOA the proof of being so and why I made the mistakes that caused my account to go negative. That account is now paid off I will upload to you the proof I sent to them which they did not consider. ( although they lied and said they " may have '' considered it ) They sent me a letter saying the bank will keep their choice to keep me on CRA. I just got off the phone with XXXX XXXX XXXX as I am working with them. No referrals, please. I don't owe Bank of America a XXXX. It was a small mistake that was fixed when I had a debt with them which is now ALL PAID OFF. This is bullying and extortion.

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 2022-07-19
Company: RFNA, LP
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent REPUBLIC FIANANCE a written notice asking them for validation of alleged debt. I request they provide me with PROOF OF PURCHASE AND DISCONTINUE COLLECTION OF THE DEBT IS REQUESTED, Provide a copy of consumer signature on a contract or document that holds consumer responsible for this alleged debt, and Send CONSUMER proof that you are licensed to collect debt in my state. They have fail to provide me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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: Personal information incorrect

Complaint:
I have never lived at XXXX XXXX XXXX. XXXX, IN. I have had extensive identity theft, and mailed documentation to all of the credit bureaus.

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 2021-01-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed XX/XX/XXXX from XXXX  XXXX, I notified our mortgage company of his death. I had requested a modification on the mortgage. Spoke to XXXX, Select Port Folio ext XXXX XX/XX/XXXX she stated that they were working on the modification assumption and a property foreclosure sale date should have not been set for my property. XXXX filed a dispute because of the foreclosure date of XXXX XXXX XXXX should not have been set while my modification request was in review. She then transferred me to XXXX a Manager. ext XXXX he stated they're still waiting for transactions from her SSI XXXX card that can be pulled from their website located on the back of the card. Also they received new documents today XX/XX/XXXX will review them as soon as they receive them. They have my Social Security Award letters, I'm elderly I receive my benefits on a card. I don't know any thing about computers and I don't own a computer. I'm Elderly, someone I didn't know knocked at my door asked to look at my house because it was IN foreclosure. I have not received a letter form the mortgage company or the foreclosure attorney saying my house is in foreclosure. I read there is l a hold on property foreclosures until XX/XX/XXXX because of Covid-19 Why does my have a foreclosure sale Date???????????????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXX/XX/XXXX at around XXXX, I deposited {$1100.00} into my bank ATM Address : XXXX XXXX XXXX XXXX , Oklahoma XXXX , OK XXXX. The machine that I deposited has failed me three times before. I called Chase bank to file the claim and on XX/XX/XXXX, they said they did a thorough investigation and only found XXXX. They reverse the remaining credit from my account and said that there was nothing else that they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-01
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at Equifax, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with XXXX and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. XXXX XXXXs credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchase a car in XXXX. I provided documents that I never receive my contract from the dealership until after the first payment was due, I reach out to the finance company reach is Audi to confirm is they my new company and I was told on several time I do not have an account with them. When I finally made contact with the finance company. I had the Advocate from Audi financial on the phone and we both realize that Audi financial had my address incorrectly in their system. On XX/XX/XXXX of 2022. I was told that says my address was wrong with the system they would not charge me any lea fees or report delinquents to my credit bureau and get the information updated. Ive been trying to rectify the situation for the last several months I received a call from manager that told me that they were not correct my credit reporting system the dealership were not meant to the fault. Even though the finance company admit that they had the wrong address in the system did not make any communication to me for the last several months prior to my first payment due date. This is very unprofessional I really do not want to do business with them my credit score has dropped very bad according to my credit reporting it states that I did not make a payment in XXXX I was never late in XXXX I made a payment on XX/XX/XXXX and I reported that to the credit reporting agent and provided proof that I made a payment. I have made several attempts with the credit reporting XXXX XXXX and XXXX XXXX with the proof of payment and they still have not updated my credit reporting has never been late. Im following a formal complaint against XXXX XXXX XXXX Audi financial and XXXX and XXXX for not doing do diligence when it comes to my financial well-being on my credit reporting.

Company response to consumer: Closed with explanation