BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 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 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 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

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 2016-12-16
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This is the occurrence where Santander Consumer USA has contacted my job without my permission or disclosure of my workplace. They have researched my private information to obtain my work numbers at both XXXX NY Office ( months prior XXXX ) as well as XXXX XXXX XXXX today ( XXXX/XXXX/16 ). They have caused me great embarrassment by expressing they are calling to collect a debt while speaking to unauthorized individuals. They have provided false information to intimidate me into making a payment, stating that I will ruin my credit indefinitely and will not be able to get a loan again. ( in definite terms ; and providing credit assistance to further their goal of payment ). They have been uninformed since the accident of my vehicle claiming my car is to be repossessed never acknowledging there was no vehicle to repossess since it was a total loss. I have expressed that matter to them on numerous occasions. They have a towing companies call my personal number unnecessarily. Todays invasion is the last time I will endure their harassment silently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Bank of America about dropping the PMI insurance from my mortgage since our house has appreciated and we now owe less than 80 % of the home value based on market price. I was told they have a process to reevaluate the home based on the market price and comps within the area. Today, I received a letter stating they can't drop PMI within the first 2 years ( which they did not state before ). They said the only example of dropping the PMI within the first 2 years is if I make a lump sum payment to reduce the loan value to less than 80 % of the original price

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 2017-02-11
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 
My auto was repossessed by Santander when I parked my auto at the XXXX ( XXXX GA ). They advertised it was secure parking but Santander was still able to repossess my auto. The repossessing vendor stole several multiple items out of my automobile when I went to claim my personal belongings. This repossession took place on a private and secure property and should not have been allowed to happen by the property owners. 
XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 



COMPLIMENTARY SHUTTLE SCHEDULE : 24 hours a day - every 20 minutes Shuttle return instructions and phone number will be listed on your reservation receipt. 
Domestic Terminal Only.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I applied for a credit card and they sent a denial notice and the reason and the reason was I had and auto loan out that the car had been repossessed and I owed a large amount of money I 've never owned a car and never even applied for a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Strategic Alliances, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Good Afternoon, I am a US military service member, and a responsible citizen with a clean and well standing credit record. 
I was contacted by " FIRST FINANCIAL ASSET MANAGEMENT '' ( XXXX ) a Debt Collection agency. They contacted me to collect on a Fraudulent account, that was opened in my name in 2005, they threatened to blemish my credit profile and even attempted to " SETTLE '' the account. they have illegally purchased my personal information and identity from another debt collector or illegitimate source.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: American Credit - Credit Repair Centers
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I previously filed a complaint against this company on XX/XX/2022, via XXXX  : this illegal company is posting signs unlawfully throughout XXXX XXXX XXXX XXXX XXXX ( on traffic signs and utility poles, etc. ) in violation of citywide regulations and municipal codes. I emailed the owner on innumerable occasions to cease and desist their illegal advertising. Moreover, on XX/XX/2022, I received a response through the California XXXX XXXX XXXX XXXX XXXX XXXX from the owner admitting guilt : I terminated our relationship with the company we hired to hang these signs for us. They were instructed more than once to not post these in the manner they have been hanging them. However, on XX/XX/2022, new bandit signs were affixed in the XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX. I have percipient witnesses that will testify these public nuisance signs were posted recently. About a month ago, these illegal signs were not posted in that area. The owner is deceitful to the core and systematically violating California state laws. It is a misdemeanor to advertise on public and private property without a permit. It gets worse, I filed several complaints and received a response from the owner via the Consumer Financial Protection Bureau, where he lied to a governmental entity stating he would stop breaking the law. Despite these valid complaints, he continues to advertise in this unlawful capacity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Reference number XXXX THE INFORMATION ON THE COURT WEBSITE DOES NOT MATCH THE CREDIT REPORTING AGENCY DETAILS XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights XXXX times. 

The credit bureaus violated my given rights under XXXX 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 2015-11-05
Company: Peerless Credit Services Inc
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been negotiating in good faith with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX. XXXX XXXX XXXX refuses to send a statement confirming the amount that I owe. I sent them an EOB last month ( XXXX 2015 ). Only to discover that my case had been sent to collections. Peerless Credit Services, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/16 Balance : 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 2021-08-02
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Macys on XX/XX/XXXX, XXXXby phone and via mail about a account that I was not aware of being a authorized user on and asked them to remove this account from my credit profile. I stated to them according to the FCRA section 601 I cant be held liable for a debt as a authorized user the representive stated that I would be removed and would receive this in writing. I have not heard from Macys at all I also sent out a letter asking for this item 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 non-monetary relief
Consumer complaint received 2021-08-02
Company: EOS Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is regarding a third party debt collector furnishing an alleged debt on my consumer report without prior attempts to validate. Thus in violation of 15 USC 1692c ( a ) ( b ). 

On XX/XX/2021 I sent a certified Affidavit of Truth to EOS CCA alerting the company of my consumer rights that they are in violation of along side of this debt been alleged and as of XX/XX/2021 this company has not responded.

Under TILA, FCRA, FDCPA Congress states I am the consumer, The natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've received 4 collection calls from this number, XXXX, of which each time a automated message is left on my answer machine. The caller ID says " XXXX Service ''. The four dates I received these calls are ... XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. 
I also know that calling times can not be earlier than XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: SC
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:
Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXXXXXX XXXX XXXX Account : XXXX Account is closed please delete from my credit report XXXX XXXX  Account : XXXX This account is closed please delete from my credit report The XXXX XXXX Account : XXXX This account is in collection with a past due amount of {$570.00} according to the Metro 2 compliance MUST be deleted. 

XXXX XXXX Account : XXXX This account is closed please delete from my credit report XXXX XXXX XXXX Account : : XXXX This account is in collection with a past due amount of {$100.00} according to the Metro 2 compliance MUST be By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA ENACTED CDIA Metro 2 Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

XXXX 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 explanation
Consumer complaint received 2022-11-16
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 is missing that should be on the report

Complaint:
MY XXXX XXXX FACTORS SHOW OLDEST ACCOUNT XXXX YEARS OLD & AVERAGE ACCOUNT JUST XXXX YEARS OLD I DISPUTED THIS INFO SHOWING I HAVE MANY ( AT LEAST XXXX ) ACCOUNTS BEEN OPEN ( CLOSED/PAID NOW ) FOR 7 YEARS OR BETTER ALSO MY OLDER ACCOUNTS ( PAID ) PAYMENT HISTORY DOESNT REFLECT ACCURATELT FOR OLDER TIMEFRAME

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 2021-11-25
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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
Experian has continued to report inaccurate and fraudulent entries on my credit file, and has never validated the debt or given me any reply as to what they investigated or how they investigated the debt. They have ignored my requests. If they any type of investigation theyd see my personal info doesnt match the debt. Ive submitted my personal info to Experian and then more fraudulent entries hit my credit. Why should I send identification and sensitive information when its their job to investigate he incorrect entries? 

Experian also keeps reporting incorrect addresses and phone numbers on my credit file and they refuse to delete them even though Ive never lived at the addresses. They wont even let me dispute it anymore. The addresses could be associated with the incorrect and fraudulent accounts. I dont need to file police report- its Experian that linked me to debts that arent mine and they wont investigate or validate. 

Its been a few XXXX far more than XXXX days. Its caused me to be denied credit, mortgages, jobs, etc. Experian will be held liable for their willful reporting of erroneous information on my credit. 

Some inaccurate entries are : XXXX recovery group from XX/XX/2019. 
XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The companies cant even verify my personal information as linked to the debt when I call. So it is Experian that continues to report inaccurate information and it must be removed at once. 

So should the addresses. Ive only ever lived in XXXX XXXX during my life. All other address must 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