BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have already paid at least XXXX for the vehicle, I believe 2016 XXXX XXXX. the repossessed the car in the middle of the night, and sold it for XXXX they are reporting on my credit report I owe them XXXX please help me. Santander Consumer USA. My last name was XXXX at the time. ( divorced now ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Nj XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Fay Servicing, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Notified the servicing company on XX/XX/2019 that I had been downsized and was unable to make payments on my home. I was looking for a short sale solution. No response. Researched their website and found the application for short sale. Completed and submitted the form with requested attachments. Finally got some response from the servicing company and they arranged an  appraisal. By the end of XX/XX/XXXX we had an approved short sale agreement which expired XX/XX/2019. Repeatedly contacted servicing company to set a short sale target price. No response from anyone. Left both voice and email messages. Short sale agreement expired on XX/XX/2019 with no reduced price. Signed with a new realtor and suddenly was sent a copy of the appraisal from the servicing company.  The realtor reviewed the appraisal and set a short sale target price himself. Still no input from the service company. I resubmitted a short sale application. We received 2 offers on the home. The second short sale application was approved on XX/XX/2019. Offers were submitted. I was told they would process in 30 days. That did not happen. Early in XX/XX/XXXX I was served foreclosure notification. In spite of repeated attempts I still can not get a response from the servicing company on the short sale offers. The realtor has had a similar experience trying to get information from the servicing company. Not sure what to do next. The total lack of communication from the servicing company leaves me in an untenable position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have been submitting complaints and writing and disputing this account every since XXXX and nothing has been taking care of. 
I have wrote Metro 2 letters, I have wrote you all a few times complaining about this account. 
This account was deleted and reinserted over 18 times in XXXX and XXXX and I was not notified within five business days from the company nor the credit bureaus. 
The company keeps filing inaccurate information, they sent me a letter XXXX did last month stating they were going to take care of it with all three credit bureaus and XXXXXXXX XXXX and do not see where they have done anything. 
I need to know what other steps I can take to file a lawsuit against the company and/or the three credit bureaus because, this has caused me to get denied credit and when they have had almost five years to get it corrected. 
According to the FCRA They must submit accurate information and they are not doing that.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your immediate attention a matter of great concern regarding the persistent inaccuracies on my credit report despite multiple attempts to rectify the situation. I am seeking your urgent assistance to expedite the correction process and ensure the accuracy of my credit history without further delay. 

I have submitted dispute to rectify the inaccuracies on my credit report, but regrettably, these issues persist. This ongoing situation is causing unwarranted stress and adversely impacting my creditworthiness, which is of paramount importance to me. 

I have attached supporting documentation, including previous dispute submissions and any relevant evidence, to facilitate a swift resolution. 

I understand the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports and the obligations of credit bureaus to promptly address disputes. In light of this, I am requesting your immediate intervention to expedite the correction of these inaccuracies. 

Considering the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the correction process, and take immediate action to resolve these matters. I expect regular updates on the progress of the correction and removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure their swift correction on my credit report. 

Timely resolution is crucial as it directly impacts my ability to make informed financial decisions. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$29000.00}.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2017-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. 

I had submitted a bank statement request for a client on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they were unable to process the request. I would like to receive the bank statements requested. 

Document Identification : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX 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 Section 604 A. Section 604 A. it also states a consumer reporting agency can not furnish a account with 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 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX  is reporting on my credit report at Transunion i have and account with them from 2017 as an authorized user. i do not have and account with them.

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 2022-06-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I repeatedly received voice messages from people identified as employees of the Comenity Bank regarding debt collection. According to their voice messages, it is about debt owed by another person that I do not know anything about. Based on my phone records, the most recent calls/voicemails they made to my number are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. The calls were shown to made from XXXX and XXXX, but the call back numbers they gave are respectively XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
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 fraud alerts or security freezes

Complaint:
I am trying to lift a security freeze that was placed with Experian. When I placed the freeze I was told that a PIN would be mailed to me. That never arrived. Now I want to lift the freeze, because I need to apply for an apartment lease. 
I have made many time-consuming phone calls to Experian trying to resolve this, and have repeatedly been given repetitive, illogical and unhelpful advice. 
First I was told I could retrieve my PIN by entering my personal info into their website ( www.experian.com/freeze ). When I received messages saying that the information I entered was incorrect, I was told to wait 24 hours and try again. I did this repeatedly, very carefully verifying that the information I entered exactly matches what they have on file for me. 
So I asked that they send by post another copy of the PIN, and was assured one would be sent. After waiting a couple weeks I called back, and was told there was no record of my ever requesting my PIN or that one would be sent. I requested the PIN again, and this time I did receive it by mail. 
I tried to use this PIN, both via web and by phone, and again received the message that my freeze could not be lifted based on the supplied information. Nobody I have spoken to has been able to explain why this is the case or offer any hope for resolution. Everything I am being told now by Experian is apparently intended to make my try the same things over and over until I give up and leave the security freeze in place forever. Meanwhile I am hampered in my ability to apply for credit, and more importantly to apply for housing for my family ( as we are moving to a new city ).

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 2019-09-11
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a line of credit at Advance Financial 24/7. The daily interest is getting larger by the minute and I can not afford to pay this off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}.

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 2019-09-11
Company: Experian Information Solutions Inc.
State: FL
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 was unable to put a freeze on my experian credit bureau with their automated call in service or online. Every time it would say the freeze could not be placed and disconnect me. There was no way to speak to a live person. I have major fraud including {$5000.00} being stolen from my bank account and multiple credit cars being open and the criminal unlocking my credit freeze with XXXX. I was able to put a security alert on my experian account. However experian still went ahead and pulled my credit for accounts the criminal tried to open with XXXX, XXXX XXXX and XXXX  XXXX. I thin today I was able to place a freeze on my experian account from a XXXX number someone at XXXX was able to give me after numerous attempts. However experian needs to be informed on my level of fraud so that the freeze can not be lifted by calling in or online ( as was done by the criminal with my XXXX account ). Also what's the point of a fraud alert? It clearly did not stop experian from pulling my credit two times.

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 2023-11-22
Company: EQUIFAX, INC.
State: FL
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 an UNAUTHORIZED credit account such as XXXX XXXX XXXX  ( Acct # : XXXX ) ( Equifax ). 
I also have UNAUTHORIZED hard inquiries such as XXXX XXXXXXXX XXXX XXXX ( Equifax ).

Company response to consumer: In progress
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account # XXXX Account name : XXXX  Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-11
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Diversified Consultants call me daily at around XXXX from a local number regarding a small debt for XXXX XXXX . I have requested Diversified Consultants to stop contacting me 3 times this week after one representative claimed to work for XXXX ( which is false ), another representative hung up on me when I was requesting again for them to stop calling me, and the third representative today tried to over talk me as I was telling her I know this is a recorded line and to stop calling me. I have disputed this debt with another collection agency over the past 11 months as XXXX is charging me for service after the disconnection date and quoted me a final bill of about {$82.00} during my call in XX/XX/2018 upon disconnection or service. The other collections agency stopped contacting me regarding this debt after I requested and also did not place it on my credit report as I disputed it as an incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, The debt collection agency, XXXX XXXX XXXX XXXX, just placed an 8 year old discharged debt on my credit report as " In Collections '' and reported the date of the debt as XX/XX/2021. This is false reporting and has hurt my ability to obtain a lower interest rate on a home loan that I need to close within 45 days. I found out about the debt on my report when I applied for the loan. Terrible timing and a good example of illegal debt collection tactics by this debt collection agency. 

The original debt was with NetCredit, I believe it says, and it looks like they purchased the debt from them, or another debt collection agency. Also, I never received any notice from this company informing me of their intentions to illegally pursue an 8 year old debt in the state of GA where the statute of limitations is 4 years. To make matters worse, I am fairly certain that the {$11000.00} they are reporting is much higher amount than the original amount owed. 

All I have are the last four digits of the account number, XXXX. I've attempted to call XXXX XXXX XXXX but have not reached anyone to discuss the issue. After talking with someone who has had this happen before, they advised me to not talk to anyone at the agency as they will attempt to get you to agree that you owe the debt, therefore allowing them to place the debt on my credit report and seek full payment as if I owed the debt today, not 8 to 10 years ago. 

Can you help me resolve this issue and provide me information on the best way to seek damages from the collection agency. It's very disheartening to see a company do this to people in a time such as this. I am attaching a screenshot from XXXX. It's the only information I have for the collections debt. Thank you for any help you can provide. 

Sincerely, XXXX

Company response to consumer: Closed with explanation