BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To whom it may concern, I, XXXX XXXX XXXX opened a Santander loan in XX/XX/XXXX, at a time they were aggressively predatory lending. I was given an unreasonable APR. My credit score was misinterpreted and misrepresented. I have reached out to Santander about this issue, and they wont help me at all. 

Over their lifespan, Santander Consumer USA has violated COUNTLESS laws in the Fair Credit Reporting Act, as well as most other laws protecting consumer from predatory lenders and debt collectors. More and more lawsuits are coming each year. I'm surprised this company is still standing. They also admitted to Predatory Lending for all people who received a loan from them from XX/XX/XXXX XX/XX/XXXX. I got a loan from them XXXX of XXXX. At the time I was still learning about finances and different loan types and lender. They absolutely took advantage of my situation, gave me a sky-high rate and stated my credit score was XXXX points less than it actually was. Me not being familiar with these practices, I thought it was the norm. And this is exactly why this is unacceptable. 

On top of this being a loan constructed from Santanders predatory lending practices, the information on my report is also inaccurate. The information stated on all three credit reports dont match across the board. This loan is a violation all across the board. 

This account should have been deleted 2 years ago in XX/XX/XXXX, but Santander Consumer USA loves to prey on people ignorant to the things they profess in. Please have this account deleted immediately. This is very unfair for me to have to deal with this. I would also like to be repaid all the payments I made to Santander Consumer USA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: TN
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 name is XXXX XXXX. My father XXXX XXXX XXXX name shows up as my alias on my credit report. He denies having anything to do with my credit. However, as a young adult utilities at his home were showing up under my name. Id like this issue corrected and anything attached to his name removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Avant Holding Company, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email in XXXX that a credit card had been opened with this company. I did not open this card, I did more research to find out someone stole my identity. I called this card company to dispute these charges and let this know I was in the process of trying to fix this. But they have denied my claims. I need help in getting these charges off my record and completely closing this card down. I have filed a police report and an IC3 report, this was something the company asked me to do. They are no longer responding to me. I have frozen all accounts and filed complaints with the Federal trade commission and social security admin office. I believe the amount stands at somewhere around {$210.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$490.00} $ Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}

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 explanation
Consumer complaint received 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
there are too many dates to list but i have on multiple occasions contacted transunion reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX Trans Union XXXX XXXX XXXX XXXXXXXX XXXX, PA. XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified.

i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet transunion seems to willfully non comply

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 2022-08-16
Company: EQUIFAX, INC.
State: NV
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 the XXXX of XXXX i sent letters to all three credit bureaus ( equifax, XXXX  and XXXX ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXE ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus XXXX XXXX XXXX XXXX equifax XXXX XXXX XXXX that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: PR
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:
THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. THIS ACCOUNT IS A JOINT ACCOUNT, AND MY HUSBAND SINCE THE FIRST DISPUTE, HE SEND THE CERTIFIED LETTER WITH THIS INFORMATION, AND THEY DELETED FROM HIS CREDIT REPORT AND ON MY CREDIT REPORT, THEY STILL CHANGING THE ACCOUNT STATUS FROM OPEN TO CLOSED TO OPEN ATTACHED I INCLUDE THE CREDIT REPORT COPY AND THE CERTIFIED LETTER NUMBER RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021. I sent a letter, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
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:
AmeriSave Mortgage Corporation has reported that my payment for XX/XX/2022 was 30 days late when it was not. Ive sent them all the supporting documents showing the funds being withdrawn from my account and theyre confusing a separate principal only payment that I submitted but was returned by my bank. My scheduled monthly payment was made on time as it is every month. Ive escalated this several times and have been left with no other recourse than to reach out to the CFPB.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company has reported my account as late, when my account is set up as an Auto Payment and has always been set up as an auto payment. Apparently they XXXX XXXX changed banks that handle their credit card. however when they transferred my account they should have also transferred the payment information that was on my account as well. Nothing changed on my side money was there in my account and set to pay. Now i have this ridiculous late payment when i was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Credit inquiries on your report that you don't recognize

Complaint:
please remove fraudulent/unauthorized inquiry off my account from XXXX XXXX XXXX XX/XX/2022. Provide proof in writing within 30 days or remove 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 2021-09-02
Company: EQUIFAX, 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: Personal information incorrect

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 the charge. I ask that this information be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission. Please delete the items as soon as possible. 

The following personal information is incorrect : Name : XXXX XXXX, Also Known As : XXXX XXXX, Also Known As : XXXX, XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
Iam a natural person, Iam living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1861! And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card Per documents my credit report has been effected by youll breach

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX as the of procedure that utilized to foreclose on my home in XX/XX/2015, and which is a violation of due process as follows : 1. There is an assumption by the court that you want a free house and not paying your mortgage. 
2. Yet the court procedure takes a few minutes with the judge and plaintiff doing all the talking.

3. The court did not allow me to cross-examine or question the plaintiff.

4. My motion and plea were ignored by the court.

5. The rules of the court were compromised in favor of the plaintiff.

6. Dates were set by the court for making the decision in plaintiff favor.

7. The alleged original note endorsed in blank was presented in court by the plaintiff to my surprise, and when I tried to question the plaintiff on the note, surprisingly the strikes gravel on his desktop, Your house would be sold in 60-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I was informed by  XXXX  's salesmen that the first inquiry on my experian credit report will be a soft inquiry, however it is reporting as a hard inquiry on my report, therefore I would like it removed immediately. i have two inquiries on my report, so i would like the both of them removed since i was fed inaccurate information by  XXXX .  <P/>  XXXX   XXXX /  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Automobile Dealers, Used  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  Auto Financing Companies  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  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 2022-08-25
Company: Experian Information Solutions Inc.
State: PA
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {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 2019-11-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 XXXX was giving the seller trouble so as a result XXXX was used to send {$220.00} via the USAA app to XXXX XXXX. Im not sure if it was even sent to the right person because I never heard anything back after making the transfer. Eventually I realized it was a scam and quickly notified USAA the week of the XXXX. Today ( XX/XX/XXXX ), I was just notified by USAA that a refund cant be issued because I authorized the transaction. I am completely stressed because {$220.00} is not a small amount of money I struggle to make ends meet each day so this is a major stressor to me. Through all my years of banking Ive never been scammed. I usually extremely careful, but Im somewhat upset with USAA because being that they brand, provide and advertise the app, a lot of members put their trust in using XXXX, so incidents like this is frustrating and degrading to USAAs brand. USAA sets the bar high to prevent issues of such and its unfortunate that theyd even promote this untrusted app. Im very disappointed.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Tuesday, XX/XX/2020, I received a notification from XXXX XXXX that a negative entry had been put on my credit files with the various Credit Bureaus. When I logged into look at the filing, I was able to determine that Waypoint had filed the notification for the amount of {$260.00} on behalf of XXXX XXXX. To this point, I had never been called, emailed, or received a written notice of the alleged debt. I then looked up Waypoint, XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX and sent an email to them at XXXX on XX/XX/2020 @ XXXX. I provided my name, SS #, and current mailing address. I requested ( 1 ) Validation Notice. ( 2 ) removal of the negative Credit report, & stated that all monthly bills with XXXX had been paid on time through auto debit directly from XXXX. Waypoint promptly responded via email on XXXX/XXXX/2020 that they will mail out the requested documents. 

As of XXXX/XXXX/2020, I have not received any documents, validation of the debt, or further communication from them. I then sent an reply email XXXX/XXXX/2020 @ XXXX stating they have failed to provide the documentation and that they need to invalidate the alleged debt and remove the negative information from all of the credit bureaus. I also let them know I would be filing a complaint.

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