BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2023 American car center closed my loan. Then months later Westlake portfolio management keeps calling emailing sending me letters that I owe them for a vehicle loan. In XXXX I kindly called them and in XXXX mailed them and again in XXXX and now XXXX. To explain I dont have a loan, when American car center went bankrupt they illegally sold them a debt on me. I dont have a car nor loan. I have sent proof over 6 months. Mail withsignatures/email/faxThey call harassing me and my family. They are rude and disrespectful and just nail hard that their system said they have a debt and they want payment! However they refuse to provide any proof of this alleged debt ownership. They are reflecting negatively on my credit. The attachments are the same I have been sending to WPM for six months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-05-24
Company: ZWICKER & ASSOCIATES
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a warrant in debt from Zwicker & Associates on behalf of XXXX XXXX and it scared me. I didn't realize until after signing an agreement with Zwicker that several practices under the Fair Debt Collection Act was violated. I never once received a letter from Zwicker indicating that a debt was owed and right to dispute the debt. I spoke with a Zwicker attorney who told me that the only way to avoid judgement was to set up an arrangement, sign an agreement and pay the debt.

Zwicker never once provided me the opportunity to dispute the debt or engage in dialogue about the debt they skipped all required practices and went straight to the courts. On XX/XX/2019, I contacted Zwicker to make my agreed payment. I was told by the representative that I would have to make two payments as the XXXX payment was not received. I asked for a manager who was extremely demeaning and threatening. He said that they had not received the XXXX payment and I would have to make both payments or they would not accept a payment from me. I was previously informed by Zwicker that if I didn't pay the debt that they would garnish my wages.

I asked if I could make payment towards the lower balance account to pay that one off and was told no that I could only make a payment towards all three accounts which I have since learned that I can pay towards any debt and not required to pay a particular debt. According to XXXX XXXX my accounts have been charged off, I would like to understand the relationship between Zwicker and XXXX XXXX regarding a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting 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:
I was looking at my TransUnion credit report and there was hard inquiry from XXXX XXXX XXXXXXXX XXXX XXXX 2023 that I didn't recognize. I know for a fact I did not apply for any XXXX credit cards or any credit card for that matter. This is inaccurate and needs to be removed immediately from my TransUnion credit report. If someone did apply for a credit card in my name from this lender, it was a result of fraudulent activity and identity theft because it certainly was not me.

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 2023-09-05
Company: Westlake Services, LLC
State: LA
Product: Credit reporting 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 auto loans & credit cards I did not authorize, I need this deleted immediately

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 2023-03-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, requesting the credit bureaus to remove accounts and Inquiries I found on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit reporting Agencies, you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please take a look at the following items you are reporting on my Credit File and have them removed as soon as possible : XXXXXXXX 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 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. If you believe that the disputed items belong to me, I will be requiring you to please send me copies of proof of verification or proof of ownership to support such claims. In the absence of such documents, I will greatly appreciate you removing the disputed items off of my Credit File as soon as possible.

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 2017-11-22
Company: Avant Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Avant Double Billed me. They promised to take my payment that I payed early and apply it to my loan. I have used this pre-pay process in the past, with success. For some reason, this time they billed me. They used the payment I payed, along with the monthly draft. The second payment overdrew my account. There were 5 NSF fees for other charges that were outstanding. The bank would n't refund those moneys. The amounts however were payed since I have an agreement with the bank to pay if I have direct deposit and an overdraft in my savings. I called Avant to get a resolution. They promised me in 8 business days the money would be refunded to my account. Then a few more days went by. I did n't receive any information. I called repeatedly. Still, promised the money would be refunded so my NSF 's would be refunded by the bank. After 21 days have passed, I finally called and they said my request was rejected. I could n't object, or appeal to their refusal process. I was slightly disappointed. Nevertheless, I contacted my bank to alert them of the possibilities that this company may be taking money out of the accounts of the persons they do business with, without their knowledge or consent, or reversing mistakes that may have possibility happened as a result of their procedures, or as a result of electronic malfunction. Unfortunately, others should be made aware that their processes allow for these types of mistakes, which can result in many over draft charges, and other types of fees that a person may normally not expect. With the addition of these new fees as part of the responsibility of taking out a loan with XXXX, I thought it pertinent to share my experience with the BBB. Although they have an A+ Review, taking money out of a person 's account unexpectedly is the new norm. It 's unfortunate, but true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-05
Company: SANTANDER HOLDINGS USA, INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
First of all they was over charging me cus no way I still owe the same amount wen I got it over 2 years ago and also I told them come get it because the transmission went out I had a bad car from jump engine light was on since I left the lot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To this date, they have not responded. 


XXXX ( Account # : XXXX, Date Opened : XXXX, XXXX : {$1700.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} ) was never late. Please correct this inaccurate information on my credit report. 
XXXX XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} ) was never late. Please remove it from my credit report. 
XXXX XXXX ( Account # : XXXX, Date Opened : XXXX, High Credit : {$3000.00} ) is not mine. Please remove it from my credit report. 
XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ) is not mine. Please remove it from my credit report. 
XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) is not mine. Please remove it from my credit report. 
XXXX XXXX  Bankruptcy : Bankruptcy ( Reference Number XXXX, Date Filed XXXX XXXX, XXXX ) is not mine. Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: NY
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 am in the process of purchasing a home and this involves banks and mortgage lenders looking at my credit reports. I noticed a discrepancy between my Experian credit scorXXXX of XXXX versus those of XXXX of XXXX and XXXX of XXXX which were obtained on XX/XX/2022, in the attached report. 

I attempted to call Experian several times, but I only was met with voice recordings and was unable to reach a live representative. I also attempted to file a dispute on your website but when I attempted to do so, it requires me to identify a specific part of my credit report to dispute and upon review, there doesn't seem to be any delinquency, but this doesn't explain why then my credit score is XXXX. I attempted to file a dispute by sending a general email to Experian but was given a non-meaningful form response asking me to " start a new dispute online. '' The customer service by Experian from my perspective is poor and has a lot to be desired for. I should be able to easily either reach a live representative or submit this dispute online. 

I am requesting for an investigation for what may explain my credit score of XXXX, an inquiry of possible errors, and to have this resolved as soon as possible. I request for a written response and for a representative to call me at my phone number above.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to contact Experian to establish a credit freeze for my incapacitated mother-in-law. This will, I assume, require identifying her power-of-attorney along with other pertinent information. Their website did not address the process for doing this, so I tried for hours to contact a live customer service representative who I could speak with to address my particular issue. I was never able to actually speak with anyone, despite multiple attempts. I may, however, have inadvertently put a freeze on my credit as I navigated the " maze '' of their automated call system. I have written Experian a letter to send through USPS that, hopefully, will get my question answered, albeit much later than I had hoped. Hopefully, my mother-in-law 's credit will not be compromised in the meantime. The concern I am addressing to you is, if I can't actually contact Experian, except for their regimented call service which will not address individual circumstances, how can I be sure that if I place a freeze on my, or any other, credit account I will be able to lift the freeze in a timely manner? I imagine Experian can afford to address this problem, but it may take your " weight '' to make them.

Thank you for providing a resource that supports individual citizens. XX/XX/2022.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.

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 2020-03-12
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am currently have a loan through Freedom Mortgage. I have decided to refinance with another company and I can not get Freedom Mortgage to send the Payoff Statement to my new title company and lender. I can not close on my new loan without the Payoff statement. Today is XX/XX/XXXX. The title company has been trying to get a copy of the payoff statement since XX/XX/XXXX. Freedom Mortgage will only give a payoff after 72 hours from the request. This is much more than the 72 hour window they require. I feel as if Freedom Mortgage is holding my payoff statement hostage so they can get additional interest and possibly a late payment if they do not quickly send this payoff statement. There is no way to get it online besides sending an email. When you request it by phone, they still will not give it if is not in what they see as the 72 hour window.

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 2020-03-12
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: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX I XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XXXX not mine

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 2018-03-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has my account listed as PAID on my credit reports. Also listed on my credit reports with XXXX funding as OWED, NO PAYMENT. 
I would like to have this REMOVED from my credit reports. I would like this information that is INACCURATE to be REMOVED from my credit reports. 
If an account says PAID, then it CANT say STILL OWING for the SAME account, that is INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 7DAY RESOLUTION PLEASE DELETE AND REMOVE THE FOLLOWING ITEMS FROM MY CONSUMER REPORT IN THE NEXT 7 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ DATA misled the XXXX XXXX courts by saying I owed amount that were not correct. In fact they never served me papers. They submitted fraudulent documents like contractor supply lists and one of them is dated 2013, and i was in Texas at that time, and I can prove this. This, in my opinion is a retaliation case due to the fact that it was previously dismissed, and I have documentation of this. This company is causing my family severe hardship and has caused us to become homeless. Also, this was a JUDGEMENT, not a COLLECTION. They can not attempt to hinder me by reporting it as a collection if it is a judgement.

Company response to consumer: Closed with explanation