BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Santander went against their own policy in requiring that I obtain and pay for a home appraisal to remove PMI from my loan. Furthemore, they delayed the process for over a year causing me to have to pay for PMI during that time. In addition they refused to take my complaints and I was hung up on countless times by various people during this time. In the month of XXXX ( 2017 ) alone I had to place more than 50 calls just to get this service request fulfilled despite it being in our contract that they were obligated to do so. Despite numerous requests they could not produce any part of our contract which required that I pay for a home appraisal. I ultimately paid for the home appraisal just to have the PMI removed but only because they forced me to do so as it was not a contractual obligation and they would not otherwise. I last heard from Santander in early XX/XX/XXXX stating that they would refuse any further correspondence with me, including my requests for the contact information of their supervisors so that I may file a formal complaint. All of my calls and emails in the past month requesting that they process my complaints have been ignored.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Transunion hasnt provided a method of 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 non-monetary relief
Consumer complaint received 2019-12-02
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Using an app called '  XXXX   XXXX   ' of whom has been trying to contact my bank, US Bank , for my account information. US Bank apparently has not done as requested via   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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2017-06-16
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX has confirmed in the last 60 days that all of my loans are issued by them. Navient has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me. XXXX has already deleted all their accounts and updated only XXXX XXXX XXXX loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is XXXX XXXX XXXX. Thank you!! My name is XXXX XXXX XXXX, My balance with XXXX XXXX XXXX is approximately {$21000.00}, Navient continues to report {$40.00}, XXXX and duplicate same information coming from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Medical Data Systems, Inc.
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 am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted Medical Data Systems to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that Medical Data Systems would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however XXXX and XXXX have not.

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 2017-06-16
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 RECENTLY PULLED A COPY OF MY CREDIT REPORT AND DISCOVERED  XXXX  HARD HIT INQUIRIES BY MULTIPLE AUTO LOAN COMPANIES THAT I DID NOT AUTHORIZE ON MY REPORT.I WROTE A LETTER ON  XXXX / XXXX /   2017  TO DISPUTE THEM EXPLAINING AT THE TIMES AND DATES OF THE INQUIRIES I WAS NOT SHOPPING FOR A VEHICLE AND DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. I LATER CALLED TO ADVISE THAT I BELIEVED THE INQUIRIES TO BE FRAUDULENT WHICH A FRAUD ALERT WAS PLACED ON MY CREDIT FILE, HOWEVER, THE INQUIRIES STILL REMAIN AFTER THE DISPUTE. I WANT THESE INQUIRIES REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS THIS IS AN INACCURATE REPORTING OF MY CREDIT. PLEASE RESPOND TO THIS REQUEST IMMEDIATELY AS I NEED THIS ISSUE RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: U.S. BANCORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I owe to  XXXX   XXXX   XXXX  and   XXXX   XXXX   bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was  2015

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 2017-08-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, Equifax and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a member of Simple Bank since XXXX. On Saturday, XX/XX/XXXX, Simple Bank was migrated into BBVA America bank. Since XX/XX/XXXX, I have been unable to access my new BBVA account, create a BBVA account login, speak to a representative ( after emailing, tweeting, and calling over 10 times and waiting on hold for hours ), get access to my previous Simple account, and transfer my money.

Im also unable to check that deposits and transfers are successfully entering/leaving my account. And Im supposed to buy my partner an engagement ring, but since all of my money is tied up in this account to which I do not have access, I cant pay the jeweler. 

I am very worried that all my savings and money are gone, and BBVA has been avoidant and silent in its communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone has been trying to open accounts under my name and has created unauthorized inquiries as a result on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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 check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX XXXXXXXX

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 2021-10-27
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I canceled all cell phone service with XXXX on XX/XX/XXXX with XXXX email confirmation I have called XXXX regarding an outstanding bill of {$300.00} for a XXXX XXXX that was returned on XXXX. 

I have two emails from XXXX on XX/XX/XXXX, confirming that the return of the XXXX XXXX. 

I have always paid my bills with XXXX in full ( On auto-pay with my bank account ) I have email confirmation on XX/XX/XXXX, from XXXX that the XXXX XXXX was returned back on XX/XX/XXXX. 

This error with their billing was closed on XX/XX/XXXX, but XXXX has now sent this erroneous bill to AmSher Collection Services . 

On XX/XX/XXXX, XXXX in XXXX Customer Service emailed me stating the refund/correction to my bill for {$300.00} because it was an error. 

I will include all email correspondence from XXXX in this complaint to assist in having this complaint corrected with XXXX and the Collection removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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:
An unknown loan type was acquired for credit under my name without my permission. I only found out about this loan once I attempted to get credit for myself. When I discovered this fraud on my credit report, I contacted the police and filed a police report. I contacted all three credit bureaus and they stated that once I sent a copy of the police report, they would remove this item from my credit. When calling to check on status, XXXX and XXXX removed the fraudulent information. Equifax did not. They stated that they would wait to see if XXXX and XXXX would remove. I explained to them that XXXX and XXXX removed the fraudulent information from my credit report as soon as I sent them the police report as I did with Equifax. They then stated that the only thing they could do was put into another 30 day dispute. I told them no, and that I wanted the fraudulent information taken off of my report. They are refusing to. Please help. This loan was obtained fraudulently using my information. I tried calling company to see if they could give me any information as to addresses or possible names of the people who did this, but they said they could not. I don't know who has done this, but it doesn't belong to me. Please make Equifax remove this false, inaccurate, fraudulent information from my report. The account shows as follows on my report. 
XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UnknownLoanType XXXX Past Due Amount : XXXX Last Past Due : XX/XX/XXXX XX/XX/XXXX : XXXX -- XXXX -- XXXX -- XXXX 30 Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 Days : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
False information being reported On my credit I never been here or used this company for Anything dont know how they are able by law to use my SS NUMBER this is fraudulent and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I became aware of the errors being reported on my consumer credit report .Pursuant 15 USC 1681c2 block information resulting from identity theft. Pursuant 15 USC 1681b reasonable procedures must be fair and equitable to the the consumer. Pursuant 15 USC 1681a ( 2 ) A ( iii ) consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is my chance to direct it off my report. Per Gramm Leach Bailey Act. Accounts named XXXX XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX XXXX XXXX is a duplicate I have an open XXXX XXXX XXXX so i have no clue who XXXX  XXXX XXXX is.

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 2021-10-27
Company: EQUIFAX, INC.
State: IL
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:
On XXXX I sent Equifax a dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letter for violation to respond within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
US Bank has put a projected amount of over {$3000.00} in my bankruptcy and billed me monthly for the same amount. This appears to be fraudulent or a mistake. However, I have tried to get answers and no one claims to know why or what's going on.

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 2022-09-10
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am a bitim of identity theft. Someone has tried to open up Checking accounts in my name. 2 were XXXX XXXX and US Bank. I had a XXXX  XXXX account awhile back but it has been closed for sometime now. Someone on a couple other dates tried tomopen up credit with them. It was not me. A former employer stole identity and my SS # has been compromised along with my id. My information also was comptomised through the XXXX XXXX breach and XXXX company breach as well. I filed a police report and I have locked my credit so that hopefully damages can no longer continue.

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 2019-12-02
Company: American Elite Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by American Elite Recovery around XX/XX/2019. They informed me that I had a {$500.00} debt to a XXXX, payday loan company that was outstanding. 
I told them I was unaware of this. 

I agreed to pay {$75.00} via my debit card over the phone that day. Then setup payment arrangements for {$150.00} approx over 2 more payments until the amount was satisfied in full. 

I called them back to ask for some verification of the debt. When I did they got nasty with me. 

They would not give me their address to request in writing proof of the debt or any notification. 

They told me if I do not pay this debt of a remaining {$420.00} that they would send a police officer to my house and I would be arrested and go to jail. 

When I simply asked for some verification of this debt and the company, American Elite Recovery, they told me that my " wishes would be granted and they would now see me in court and I would spend XXXX in jail and I would not see my Son for XXXX because I will be in jail ''. 

I find this strange over a {$420.00} debt being owed. I have never received any notifications in the mail. Or via any sort of proof of owing this debt. 

There are NO phone numbers to contact XXXX I have looked all over the internet trying to find a contact number for this supposed " original creditor '' This needs to be resolved somehow please.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-30
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS IS A 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 explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 would like to file a complaint regarding some unlawful practices Ive experienced with TransUnion. I recently reviewed my credit report, and I noticed some inaccurate information. I made TransUnion aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, TransUnion sent me a letter ( FORM D ) that stated one account had been updated and the other had been verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). TransUnion received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so they should be deleted. In response, TransUnion sent another letter addressing all of the debts ( FORM H ). I found that two of  the accounts I disputed had been deleted, but other accounts were showing results of validation and/or updated. TransUnion still never sent me proof of such validation or any of physical documents in my file that I had requested. 
TransUnion is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they were not able to provide me with the physical proof of what they used to verify these accounts, within the FCRA time frame, they must all be deleted. 

Thank you for all of your help, 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 2022-09-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX # XXXX  XXXX, or XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have not given written instructions for this account to be furnished on my credit file.

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