BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: United PanAm Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since, 2016 the company i originally purchased vehicle from eastern XXXX XXXX here in XXXX, N.C have harassed myself on property, mechanics stalking myself from work to home on multiple occasion when i had the vehicle for 16 Months. The vehicle kept cutting off on the XXXX of each month i had the vehicle. the vehicle was on a 30 day warranty so i notified the mechanic that their was a problem with the XXXX XXXX v-8, and he replied to take the vehicle over to XXXX XXXX XXXX, so they can work on the vehicle. after 7-10 days of persistent runaround ; the warranty expired. 
so, i filed a complaint with the national transportation safety dept about this problem. 
then was told too get an assessment on vehicle. mechanic told myself it was the battery!! 
i replace the battery 3x times, it was not the problem. then the airbag light came on then went off. the vehicle was taken to XXXX XXXX XXXX here in XXXX, n.c. ; the mechanics their did a diagnostics test and blew the panel fuse box with grey and white smoke fuming from vehicle. i was told then the vehicle was a lemon as is. i also reported this to national highway transportation safety dept, and thats when they expanded the recall on takata airbags in vehicles previously missed by auto companies nation wide!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 3 ) bureaus to remove the lates however, I have not been successful.

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 2020-02-08
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX - XX/XX/2019, appears to be late on report. This account was never late. Please correct and update. 
XXXX XXXX  - I am unaware of this account. I never authorized this account. Please investigate and delete. 
XXXX XXXX XXXX - I did not authorize this company to inquire on XX/XX/2019 about my report. I did not authorize this inquiry. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I requested in writing on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that XXXX / Resurgent cease contacting me pursuant to 15 U.S.C. 1692c ( c ) and California Civil Code 1788.17. XXXX / Resurgent continues to contact me to collect one or more debts, most recently in writing on XX/XX/XXXX ( see attached letters ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: TN
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/2020, XXXX removed Chapter XXXX bankruptcy XXXX from my credit report. I have several documents to prove that this was removed and have sent those documents over to Equifax, but they are still reporting this public record as accurate. I know for a fact that there is no way that they can report this account as accurate since XXXX has removed it and they have told me that they have had trouble initiating a dispute with Equifax to have this information removed. There is no reason that this public record should come back accurate since it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: FCC Finance, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
monday XX/XX/XXXX, a representative from FCC finance contacted my husband claiming to be XXXX XXXX. The called ID identified the phone number as our local pharmacy. 

Thursday XX/XX/XXXX, the same representative contacted my cell phone claiming to be XXXX XXXX from a local town. 

This mans true name is XXXX and he is calling from XXXX   XXXX in Texas. XXXX. He continues to spoof his number and uses deceptive practices to falsely identify himself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My home was broken into and two credit cards were opened in my name. I have disputed the account with the SYNCB for a Walmart charge card as well as submitting proof and they have refused to remove from my credits reports. The suspect for the break-in was a family member with a drug issue and would have had knowledge of all of my personal information.

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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a address in my credit report I have never lived XXXX XXXX XXXX XXXX XXXX, fl 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 2020-01-11
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
Account from Discover with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 non-monetary relief
Consumer complaint received 2018-11-06
Company: N.A.R., Inc.
State: UT
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:
I have paid this account in full and it is reporting to the credit bureaus that no payments have ever been made on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The term of the loan was 72 months and this company changed it to 73 months plus add late fees and interest at the end of the loan. when i asked them about these charges, a representative XXXX told me that it was because I changed the payment date twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a XXXX XXXX and receive only one paycheck over summer. So on XX/XX/2018 I submitted three months of payments for my loan with Santander Bank. 

On XX/XX/2018 I called because I was unable to view my account online. 

When I called the women informed me that I was delinquent. 

When I asked why I didnt have access to my account she said I couldnt have access because I had filed Bankruptcy. 

This seemed like odd news since I obtained this car loan two years after filing bankruptcy and had historically had access.

When I questioned this she told me that they had changed their policy and would now only allow you to prepay payments for up to two months. This was never disclosed to me. Nor was their new inability to grant me visibility online to my account. 

I was told that I need to pay an extra payment to now bring my account current. 

This appears to be both unfair and deceptive lending practices to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Innovis
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  credit report I have 5 hard inquires from the same company Cbcinnovis/XXXX, PA XXXX. I did not give consent for these inquiries. Hard inquiry dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In XXXX of 2018, I purchased a vehicle at a XXXX XXXX XXXX XXXX in XXXX Arkansas. As is the case when you finance a car, XXXX had apparently reached out to multiple lenders to find me the best Auto Finance Rate. My concern is that Transunion is showing this as 7 Hard Inquires on my credit report rather than 1 Hard Inquiry, which is affecting my credit score ( The more Hard inquires in 2 years, the more it impacts your credit score ). 

When calling Transunion, they assure me that this is only looked at as 1 hard inquiry, however, My credit report, as well as all of the current credit cards I have show which provide free credit scores show this as 7 hard inquiries and that it is in fact impacting my credit score. 

Both XXXX  and XXXX  have this as one hard pull but Transunion is not doing anything to correct this reporting I ended up securing the loan thru 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 2019-05-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
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: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is  involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical  documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX - XX/XX/XXXX appears to be late on the report. This account was never late. Please correct and update DPT ED/XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX appear to be late on the report.This account was never late. Please correct and update. 
XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX appear to be late on the report. This account was never late. Please correct and update. 
XXXX XXXX - This is an unknown account. I did not authorize this account. Please investigate and delete. 
XXXX XXXX - I did not authorize this company to inquire about my report on XX/XX/XXXX. Please remove this inquiry from my report. 
XXXX - I did not authorize this company to inquire about my report on XX/XX/XXXX. Please remove this inquiry 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 2019-06-20
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: Public record information inaccurate

Complaint:
Item reporting is not my item.

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 2019-02-17
Company: Credit Karma, LLC
State: MD
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: Problem with product or service terms changing

Complaint:
I hope I selected the right categories for the situation. I utilized Credit Karma and every week my scores are updated. My XXXX score went up XXXX point last week and out of nowhere it dropped XXXX points. I really don't know if Credit Karma is reporting accurate information. But if you all can provide me an accurate credit score I would really appreciate it.

Company response to consumer: Closed with explanation