BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
SantanderConsumerUSAs shady predatory lending practices has placed me in under great financial stress. I purchased a my first vehicle while in XXXX  through Santander and at the time, the car dealership ( XXXXXXXX XXXX XXXXXXXX ) collaborated in putting me a horrendous subprime auto loan ( with an APR of 25 % ) on a used 2016 XXXX XXXX. 

SantanderConsumerUSA was already in hot water for this exact reason after a class action lawsuit was brought up against the lender after numerous complaints of predatory lending practices and giving out auto loans with absurdly high interests rates to via subprime loans to at-risk borrowers. 

I ran into vehicle troubles after my 2016 XXXX XXXX engine imploded and bursted into flames. My insurance company ( at the time ) refused to assist me in any way, leaving me to cover the cost of the engine replacement and repairs. I made communication attempts with SantanderConsumerUSA regarding this matter and the lender and I were able to work out a form deferral ( of 2-3 months ) while I worked on resolving my vehicle troubles. 

After I managed to get my vehicle up in running, I struggled to catch up on my auto loan and its absurdly high interest. I kept making payments ( which ONLY went towards the auto loans interest ), and SantanderConsumerUSA placed my vehicle up for repossession regardless of my most recent payment and after the lender assured me I needed to make at least two monthly payments before the end of that month to be back up to current on the auto loan. That was apparently a lie, after they repoed my vehicle late Thursday morning without any notice ( no telephone call, letters, or emails received ). 

Now I am without transportation and my commute is XXXX miles to and from work. I am honestly baffled that SantanderConsumerUSA is still allowed to continue to operate after the backlash the lender received for its unethical and shady lending practices, leaving hundred of Americans to endure unnecessary financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
DELETE ALL THE FRAUDULENT INQUIRIES LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed an account that was not mine that was appearing on my credit report From XXXX XXXX XXXX. This was not a derogatory account but was listed on my credit report as a debt of $ XXXX. XXXX removed the entry on XXXX, XXXX in response lowered my credit score XXXXXXXX XXXX. In addition a XXXX suggestion of paying down my XXXX Credit Card account. After doing so they lowered my credit score an additional XXXXXXXX XXXX. XXXX stated that filing disputes when there is inaccurate information will lower your score. Clearly a violation the FCRA!

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 2023-01-22
Company: EQUIFAX, INC.
State: AZ
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:
According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership. Your bureau has 30 days to provide this to your address on file or they by law are required to delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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 have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting!

Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
The application was on XXXX and kept getting call from the credit card company, I called back today on XXXX spoke to rep XXXX from Capital One XXXXo completey application and I never applied for one. Application number is XXXX and instructed me what to do and information to give you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to dispute the validity of four accounts that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The accounts in question are as follows : 1.Midland Credit Management 2XXXX XXXX As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : XXXX. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 
XXXX. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
XXXX. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights.

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Disputed on XXXXsubmitted payment information ( paid settlement ) {$390.00}. 
Paid XX/XX/2023 account number XXXX with collection agencyXXXX The disputed finding remain on my credit report and XXXX will not removed After submitting proof of paymentinaccurate information remains on credit reports

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
For months I've been Disputing Transunion about 2 US DEPARTMENT OF EDUCATION accounts XXXX & XXXX to be deleted from failure to validate, obligations to fairness and privacy and inaccuracies. 

I have multiple letters daily from TransUnion Reporting Agency of inaccurate and willful non compliance and Neglect.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
About 1.5 months ago, I applied for a credit card with XXXX XXXX to improve my credit score. I've read and have been advised that getting a credit card would actually boost my score. So after applying, XXXX XXXX approved me for {$1000.00} by issuing me a credit card. Then around the end of XX/XX/2023, XXXX XXXX reported to XXXX and TransUnion ( and perhaps XXXX ) that I was issued the card/credit. I expected that would happen, with the expectation that it would ultimately increase my credit scores. However, the reality is that both XXXX and TransUnion actually decreased my score, XXXX by XXXX points, and TransUnion by XXXX. I called XXXX XXXX, first, to check into the matter. They advised me to contact the credit reporting agencies. So I then contacted TransUnion. They told me there's nothing they could do to increase my score at this time and that it would take some time for it to go back up XXXX points. I then asked them why my score was lowered XXXX points by applying for credit through XXXX XXXX, whereas they only lowered my score XXXX points when I applied for credit with XXXX XXXX XXXX. They told me that there's a bigger ( negative ) impact on my credit score with XXXX XXXX because they're a bigger company. 

I'm livid. I not only applied for credit because I needed extra cash, but also with the notion that my credit scores would actually improve. This business practice is misleading. How is it that major credit card companies PLUS these credit bureaus tell consumers to take out more credit to improve their scores when, in actuality, there is a price to pay -- i.e., major decreases in their scores at the onset due to hard pulls on their credit reports? Had I known about this shady practice, I would NOT have applied for credit at XXXX XXXX 

As a result of this, I now have to wait a long time for my scores to go back up. And when I checked XXXX XXXX 's simulator, it indicated that paying off my credit card within 6 months would only increase my TransUnion score by XXXX points at best, if at all. 

There's something so wrong with this. I feel I've been cheated.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX, 2023 I certified mailed with return receipt, 3 disputes to 3 credit reporting agencies. I found multiple violations, inaccurate information, wrong addresses and names and many inconsistencies.

I was never notified via mail or email that my disputes were seen or heard.

This carelessness in reporting has ruined my credit score and reputation. one of the accounts they have in " collections '' is open and I am actively payi
ng on!!!!

Please help me uphold these companies to the standards they have set!!

I am asking these accounts be removed and all three credit reporting agencies are held accountable for ignoring my disputes and not responding or even opening a dispute in 30 plus days Kindly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
MY EQUIFAX REPORT IS SAYING NOT MORE THAN TWO DAYS LATE WHICH I DONT HAVE ANY LATE PAYMENTS ON MY XXXX XXXX ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Target RedCard and I was using it fine until this week and when I tried to place an order on the Target app it said there was an issue with the card. I called the number on the back of the card and I talked to a representative that told me I should fax or mail in a copy of the front and back of my driver 's license, the front and back of my signed social security card, and a copy of bank statements.

I have never had to send my personal information to any credit company in any company and just the thought of faxing over my personal information to some random person who I never talked to or have a reference to track back to is ridiculous. Therefore Im filing this complaint in hopes that this ridiculous motion is known.

When I asked what is the issue on why my card can not be in use they said they didn't know and it wasn't their department. Calling in there's no option to find the right department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-04
Company: GOLDEN 1 CREDIT UNION, THE
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:
On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from XXXX XXXX and XXXX XXXX XXXX XXXX in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.

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 2022-12-12
Company: NAVY FEDERAL CREDIT UNION
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:
I noticed an inquiry that I did not recognize nor authorize. 
NAVY FCU Credit Unions XX/XX/2021 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation