BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have tried with u all about this debt it comes back as accurate no it not I never took a car from them never did its name is Chrysler capital. Here Im asking u to take it off my three credits report bc its not my debt. I demand this debt out of my credit or else Im suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: OH
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:
On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2019-12-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information because items are unknown to me. 
XXXX XXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, Oh XXXX, XXXX, Oh XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, XXXX, XXXX, OH Unknown TelephoneNumbersReported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX XXXX XXXX # XXXX XXXX XXXXviaXXXX   XXXX Partial Acct # XXXX XXXX XXXX partial Acct # XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: VW Credit
State: GA
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:
To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Dear Representative, Please see the details of my fraud report below. 

Last Name : XXXX First Name : XXXX XXXX Middle Name : XXXX Credit Card Number : XXXX XXXX XXXX XXXX Expired : XX/XX/XXXX Credit Card Company : Capital One My credit card expired XX/XX/XXXX, and I have never received any new credit card for renewal. 
I have one automated payment every month on the credit card noted above- XXXX credit reporting membership. 
I have cancelled my membership with XXXX in XX/XX/XXXX- Membership ID # XXXX. 
I am being charged since XX/XX/XXXX every month for membership ( after cancellation ). 
XXXX customer service confirmed my cancellation. 

Could you please help me. I have been paying to a credit card that do not exist automated payments + interest charges + Annual fees, and being charged for a XXXX membership that was cancelled 17 months ago. 

Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Account status incorrect

Complaint:
XXXX XXXX XXXX Account # XXXX -- Transunion closed out an already derogatory account on my credit report on XXXX, just to re-report it as derogatory on XXXX. This dropped my credit score dramatically from XXXX to currently XXXX. Additionally, Transunion is harboring a non validated derogatory collection account on my credit report as well from XXXX XXXX XXXX  Account # XXXX. 

This is a CLEAR VIOLATION of my rights as a consumer to have a fair and accurate credit report. I am aware that this role has been assumed by Transunion and not given, and I am exercising my consumer right pursuant to 15USC 1681b ( 2 ), to DEMAND remedy by means of written or oral communication. As Transunion, should be aware, there is a supreme need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

It is apparently clear that Transunion has not been exercising these grave responsibilities that they have assumed by them in terms of reasonable procedures for meeting the needs of commerce for consumer credit, insurance and other information in a manner which is fair and equitable, with regard to confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of 15 US Code 1681 ( b ) ( Reasonable Procedures ).

Due to this, my credit has dramatically suffered, causing me to be subject to adverse action. This has caused overwhelming stress and harm to my financial status, defamed my character and caused hardship to my family. Pursuant to 15 USC 1681b ( 2 ), I did not give Transunion any form of written instructions to accept, furnish or report any information on my behalf and I am thereby exercising my right to DEMAND that both of these accounts be REMOVED from my credit profile immediately, they have caused enough damage to me. I XXXX XXXX, of natural person, have not authorized or verified these accounts in written or oral format and I revoke any assumed authorization, which can equate to identity theft by TransUnion, a prosecutable offense.

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 2021-09-23
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:
I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX CARD. I did again reach out to them and if they don't stop this activity I am going to my local Maryland State Police Troop XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.

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 2017-05-24
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company name hunter warfield amount attempted to collect is {$2000.00} dates appeared on credit agencies  XXXX   XXXX ,2017. Balance is invalid coming from a previous apartment complex that I moved out of and put in a 30 day notice due to someone repeating breaking into my home, called the police several times due to the break ins. I have spoken to the  landlord and was informed that the balance will be taken care of due to the circumstances of why I moved out. Hunter warfield continues to call me after I have explained that the situation has been taken care of and the rental company will be contacting them. They call everyday all day from different numbers. They are   XXXX   my life with the calls as if the break ins was n't enough  XXXX . Just want it to st op so I can move on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Problem 1 ) I went through chapter XXXX for 41/2 years paid as agreed and when I finished I was told that my trustee didn't pay the correct amount which was XXXX short from the payment, so I agreed to modification for 3 months. 
So I recently receive a statement from their lawyer stating that I didn't fulfill my monthly payments and I couldn't understand why, so I call and Bayview Loan servicing the customer service agent stated that I didn't make my XXXX payment in which I did but I paid it early on XX/XX/2019.the, and that was the reason why modifacation wasnt approve. 

Problem 2 ) So after that I immediately, call my my bankrupt attorney and still awaiting a response, it was an hearing on this issue on XXXX XXXX from chapter XXXX federal court that I receive a copy in the mail indicating a hearing had taken place over the phone from the Federal bankrupt court. I have proofn that I made all of my require payments and I'm awaiting a response back from Bayview Loan servicing .please I need your assistance Bayview Laon Servicing Loan #. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX home XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a 2011, XXXX XXXX from XXXX XXXX XXXX. They shopped around and obtained a loan through Capital One Auto Finance. The terms of the loan were that # 1. I must purchase the Auto Warranty ( {$2200.00} ) or the deal would not go through and # 2. The selling price including the warranty was {$18000.00}, the interest was 19.79 %. Before I made my XXXX payment on the vehicle I received a letter that stated I owed an additional {$280.00} Plus dollars. I am charged a daily interest rate that I was not informed about of {$9.00} per day. This interest negates my monthly payments. I am charged this interest whether I pay before my due date or not. My payment is due on the XXXX of the month but I pay usually on or about the XXXX except for the month of XXXX. I wanted to see what they did regarding interest. Surely this is a predatory loan. This loan is also forcing me to take out GAP insurance as added protection in the event of loss because I am sure I am or will be upside down on this loan as a result of the forced Warranty, the high interest rate and the daily interest. Below I feel that XXXX of the issues apply to me but I can only pick XXXX, they are : Shopping for a loan, Taking out the loan and Managing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, INC.
State: MN
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 COMPANY IS XXXX XXXX ACCT # XXXX IS APPEARING ON MY EQUIFAX CREDIT FILE AS A CHARGED OFF CLOSED ACCOUNT. I DID NOT OPEN THIS ACCOUNT. THIS IS A FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY PERMISSION. ATTACHED TO THIS COMPLAINT IS A VALID UNALTERED POLICE REPORT SHOWING I AM A VICTIM OF IDENTITY THEFT. YOU MAY CALL AND VERIFY THE VALIDITY OF THIS POLICE REPORT, AS IT HAS BEEN APPROVED BY THE POLICE DEPT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is not the most clear cut case but I have concluded that it comes down to bad communication between the billing department and insurance department of my lender. 

I closed on my property last XXXX XXXX XXXXXXXX XXXX and the mortgage was purchased by M & T bank within a month after the closing. The flood insurance that was considered sufficient with XXXX was considered insufficient by M & T, they sent out a letter informing me of this which I did not receive until two weeks before the deadline to revise my flood insurance policy. I informed my insurance agent who in turn tried to get me a policy that was in line with M & T 's demands ; this could not be accomplished by the deadline and M & T in turn purchased flood insurance for me which was in effect until I could get a sufficient policy in place. I got a new flood policy enacted on the XXXX of XX/XX/2021 and the policy that M & T purchased was then canceled. 
I was told that I could apply with FEMA for a map amendment to see if I could remove one of my two structures that was on higher ground from flood insurance. I applied using my flood elevation certificate. The map amendment came back about 4 weeks later and it was determined by FEMA that it was not necessary to have flood insurance on the guest house structure. I submitted it to M & T insurance division and a week or two later they sent me a letter stating that I no longer needed flood insurance on the guest house also referred to as the cottage. That was in late XXXX early XXXX. I then canceled the flood insurance for the guest house which is also listed as XXXX XXXX XXXX with the county, and the primary house being listed as XXXX. I have been receiving contradicting letters from M & T due to flood insurance ever since I canceled my flood insurance on the guest house ( XXXX ) and even going back further than that but my complaint now stems from getting notices saying that I do not have sufficient flood insurance and that flood insurance will be purchased for me by M & T if nothing is done about it. 
This has been a constant back and forth for which I do not have time to deal with, and something that I have spent countless hours on the phone with many different agents in billing and insurance even on three way calls always ending with the problem being resolved yet still receiving these notices via letter and on my website account. It has caused me great stress and taken up much of my time, I just want to pay my correct bill and live my life besides without worrying about my insurance defaulting.

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 2020-03-28
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is the scamming techniques they use at citimortgages with loan officer XXXX mortgage license XXXX my wife and I gave our financial situation and that we have second mortgage and our income. All the facts to know if we are a good business or not. He promised us a rate for our first mortgage Only of 3 % and a loan payment of XXXX per month no PMI, that was the main reason we want to refinance we were hesitating to run our credit. We paid him an application fee of XXXX dlls. The next day he came with a total different story stating that our debt to income is to high and that he need to consolidate all our debt, he start swirling The situation thats is ilegal. Its called bait and switch. And that was the only solution to do business. It is very disgusting the way that some one that presume 10 yrs of experience in mortgages can use this unethical tactics to try to earn a business. Call was recorded.

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 2020-03-28
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:
I HAVE NOT GOTTING ANYTHING BACK AFTER TWO TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Central Financial Control & Syndicated Office SYstems per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation