BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

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 2022-03-08
Company: Radius Global Solutions LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collections notices in the amount of {$220.00} .The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature.

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 2022-09-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a lawsuit against XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX I have attempted to settle dispute, have not heard anything about my offer. XXXX XXXX XXXX XXXX and Trustee of XXXX both have the same location to be reached by mail address is XXXX XXXX XXXX XXXX, XXXX, XXXX, California XXXX. 
XXXX. Need address and location to serve civil summon and complaint of court documents to XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX, for civil case from me the plaintiff in this case. XXXX. Need their legal representation information of who to contact about my civil summons, name of person, name of law firm, and direct phone number to reach that person and them. XXXX. All communications should be address to me the homeowner of the property ( no one else ) I am representing myself in this civil case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/29 my fiance and myself went to Costco. He applied for a Costco anywhere card by Citi bank. As he was finishing up the application, the customer service representative asked if he wanted to make me an authorized user. We asked if this would mean I would have to apply for a card as well, which I did not want to apply for credit card. She said no and was annoyed that we had asked that question. So my fiance said yes, she asked me to enter the last four digits of my social security number and that would allow me to be an authorized user. She then give us a print out of the temporary card. The temporary card only had my fiance 's name on it, please see the attached file for this document. On XXXX XXXX, both of us received two separate credit cards to my horror. I never signed up for a credit card only to be an authorized user. My fiance called Citi bank and asked them to correct this as the card opened in my name and done so without my permission. However, they said they could only removed my as the authorized user. They said I have to contact the Credit bureau to correct the issue. My credit score has been reduced as a result of this unauthorized card being open in my name and it's was done so without my permission. This customer service representative open a credit card without my permission and I would my credit score be fixed and this card be removed. It was a fraudulent act by Costco.

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 2022-03-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit report showing an account I am not an owner of. 

JP Chase Morgan bank Credit card was opened on XX/XX/1994, I was 7 years old at the time.

Chase bank has no information on the account and nothing on their end shows any such account associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have received a response form Santander, they have also sent a copy of the loan contract that I am disputing about. First I want to start by saying when it comes to fraud there are no statues of limitations. So lets start with Truth In Lending since this was indeed a consumer credit transaction under 15 USC 1605 THE FINANCE CHARGE i found 2 things I wan na bring to Santander attention that they are in Violation of : 1. Examples of charges which are INCLUDED in the finance charge include any of the following types of charges which are applicable : ( c ) Property damage and liability insurance premiums included in finance charge, Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge. SANTANDER did not include any insurance in the contract they labeled that section N/A. 2. The finance charge does not include charges of a type payable in a comparable CASH transaction. Since this was a Finance charge there shouldn't be any cash transactions, I had to put down {$1500.00} cash to acquire the vehicle. I have uploaded the contract between me and Santander for the CFPB to take a look at.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
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:
There are inquiries on my credit report that need to be removed. I did not sign nor authorized such 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 2019-03-26
Company: JPMORGAN CHASE & CO.
State: CA
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:
There are inquiries on my credit report that need to be removed. I did not sign nor authorized such inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: Santander Consumer USA Holdings Inc.
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX Santander sent me and my husband a tax debt. Which we filed on our taxes and they got over 5,000 from our tax return that year. The debt has been paid in full and discharged. I have disputed it a number of times and Santander refuses to remove it from our credit. It has also been enough years for it to be removed, but Santander keeps upping the date so it can not be removed. Several people have complained about this company for this reason and much much more. There has been lawsuits for reasons such as this towards the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NY
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:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a charge off on my credit due to a fraudulent auto loan on my credit reports. I have never applied nor submitted any info to obtain this loan. I did not authorize nor co-sign for anyone else to do so on my behalf. I have been battling back and forth with this issue with the debt collector for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Flagstar Bank, N.A.
State: OH
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 hold a mortgage loan with Flagstar Bank, headquartered in MI. 

I am in the final stages of refinancing my mortgage loan, with an original closing date in XXXX. XXXX XXXX is the company that I am closing on the refi with. 

Since I believed that we were closing on our loan in XXXX, we did not make our mortgage payment. Due to COVID-19, our closing date got pushed back at the last minute to the end of XXXX, then into XXXX, due to emerging health advisories and the ability of a notary to come to my residence. My wife and I forgot to reinstate our bill pay to pay the mortgage for XXXX after thinking that we were closing on our refi. 

Once we realized our mistake, in XXXX, we immediately paid our XXXX payment. The company has reported me mortgage as late to the credit bureaus and refuses to remove it. 

This is not an accurate reflection of our ability to pay and in fact this reporting is contrary to an accurate financial picture of our loan obligation which has NEVER BEEN 30 DAYS LATE during the entire time that this company and their predecessor in interest have owned and serviced our loan. 

I want this one late mark removed from our credit reports for this reason.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found a fraudulent bankruptcy on my credit report and Credit Reporting Agencies refuses to investigate and block the fraudulent item from my 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 2022-03-08
Company: EQUIFAX, INC.
State: CO
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, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: VA
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 the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: GA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-04
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am disputing again for the investigation to be reprocessed. This was due to a data breach that resulted from I-9 files being compromised. I was not the person who made this transaction. Per credit acceptance I needed to submit proof of the data breach and new social security card that was part of the XXXX XXXX XXXX compensation package which I did and that evidence was not shown in the follow up to the original response # XXXX. I have a check from XXXX for reimbursement of the car ( before interest ) that was illegally taken out in my name from someone who used copies of identification and not the originals to purchase the car. This was a mutual agreement to prevent a lawsuit. Due to that situation a few weeks later the dealership has went out of business. I am attaching copies of the check, my new social security card that I had to obtain due to this as well as proof of the data breach. 

Credit acceptance stated all calls are monitored and recorded I would like a analysis done from calls coming from that account before XX/XX/2022 and copies to support my case if its needed to go to trial as well as trying to identify. 

XXXX XXXX XXXX XXXX is the address of the rent office that all packages, delivery drivers, XXXX and any other forms of 3rd party communication goes too.

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 2019-08-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XX/XX/2019 XXXX internet made an error by ordering an unauthorized hard inquiry credit report from Equifax. Once they realized they made a mistake, they issued a correction to Equifax and I have the confirmation that Equifax received it. please see attached, however, Equifax keeps denying receiving such documents and refusing to correct the reporting. 

Equifax was contacted by me several times and I received nothing but terrible service due to the fact their customer service is in a foreign country and very hard to understand

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I attempted to sign up for initial fraud alert on TransUnion 's website. After entering more of my information than I wanted to, the website informed me I would need to call their number to complete the alert. I then had to call them, giving them access to my phone number, which I did not want them to have.
Before allowing me to submit the alert, they forced me to wait through several minutes of marketing about their identity theft protection product. There is an initial short ad, which I indicated I did not want, and then a much longer ad.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have made on time payments for years never have been late because student loans were in deferred. I am currently a couple years up current but I ask that these late payments be immediately removed. This account number is XXXX name of account is XXXXDept of ed

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 2022-09-04
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to XXXX XXXX XXXX when I was XXXX. I wasn't really prepared for college nor did I know what major I really wanted to take. I went through the XXXX XXXX  XXXX XXXX and later founds that I was only on that career path out of the hobby and great skill. Not because it was my passion. I dropped from the program during my XXXX class or sometime after. I later heard like maybe 3 to 6 months later that they had been shut down due to fraud with certifications or something. So Later in life still have the loans on me, I sent in papers applying for the loan to be removed to the department of education. I have done this twice and still have yet to hear from anyone. Yet they have consolidated the loan. I need help!

Company response to consumer: Closed with explanation