BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
Please see my previous complaint regarding Santander reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from XXXX that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian placed a fraud alert on my credit report without documentation. Experian is now requiring that I send a copy of my personal protected information in order to have the fraud alert removed. To date, Experian does not nor have they ever had an official copy of my driver 's license or social security card yet they have been reporting my credit history for over 30 years. I find that Experian is using the fraud alert as an attempt to gain access to my personal protected information to have on file for their use when I may submit a dispute against a creditor.

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 2016-03-12
Company: United PanAm Financial Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have 2003 XXXX financed through United Auto Credit. I am XXXX payments and have XXXX to go, the motor has locked and seized at this moment. I have been in contact with the financial institution from the day it has been inoperable. They asked me to obtain estimated cost of repairs so they may file for an extension on payments. I have done so on XXXX different occasions, but mysteriously everytime it 's sent over its a new person claiming to be my account manager. At this present moment I am being harassed on a daily basis over a payment, in which I was told would be extended if i sent over the required documentation ( estimate/qoute )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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 have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX XXXX   for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXXXXXX XXXX XXXX for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 previously disputed incorrect information being reported on my credit report by Transunion. This company has yet to correct the errors on my credit report. They are continuing to report an address on my credit file that does not belong to me. I have sent numerous copies of my ID and utility. All the creditors listed on my credit report have my address where I reside.I have no open accounts with the XXXX XXXX XXXX XXXX Every time I call in to dispute this address, I am told by the representative that its being removed and my credit report will be updated. I have updated reports where this has been done but then its added again. I have even went as far as speaking to a US Special Handling Rep/Supervisor about this in which they processed my request. Secondly, Tranunion is continuing to report false information by categorizing three of my accounts as ADVERSE on my credit report.These accounts are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have talked with XXXX XXXX on numerous occassions and they have reached out to Transunion to let them know the accounts needed to be updated to current. I have two of the three letters that were sent to me by XXXX letting me know they have contacted the credit bureaus to update the information.As you will see on the dates of the letters these accounts were supposed to be changed to a CURRENT status and the deragatory information removed.This was done in an updated copy of a report I received from Transunion but then they changed the status again and NEVER notified me within the 5 day period. This is a clear violation of the FCRA! Thirdly, I have been disputing three unauthorized inquiries : XXXX XXXX X/XX/2016, XXXX XXXX X/X/2016 and XXXX XX/X/2016. I have had numerous fraud alerts placed on my credit report within the last year and currently because of unauthorized inquiries on my credit report. Transunion continues to report these with no valid tangible proof. The FCRA states that the only permissible purpose for pulling someones credit is : firm offer of credit, employment, court order and insurance. The above mentioned unauthorized credit inquiries are related to none of the aforementioned permissible and therefore Transunion needs to delete these.These are NOT FACTUAL STATEMENTS. I have contacted these companies that placed the inquiries and have not heard back from them.I am well aware of my rights as a consumer that are outlined in 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 2022-01-28
Company: Experian Information Solutions Inc.
State: GA
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 open account with XXXX and then I read there fees and interest rate. I closed the account immediately and I never use or activated the card. Then they said me emai saying I owe then {$99.00} fee. They told me they were going to take the fee off and never did. I told them I would see them in court. This wrong charging fees for no reason. Now it showed up on my credit report. I would like this to be removed 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 2020-01-08
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 went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus Experian, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

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 2022-01-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

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 2020-01-08
Company: SYNCHRONY FINANCIAL
State: IL
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 have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

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 2018-12-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called my credit card company discover and asked why my card was declined because I had made a payment days previously. After getting information I also asked about information if i wanted to close my account. Next thing you know I receive an email stating my account was closed. I never authorized them to close my account. I called them the next day and asked why it was closed. They said they would look into it. I called a few days later and they stated it was closed and there is nothing they can do. This will now affect and hurt my credit report/score. I never had intentions of closing the account. I was never read a disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7.Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX XXXX  Account Number : XXXX 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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
i have a listing for the removals to the three credit bureaus.

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 2017-07-24
Company: Stellar Recovery, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Agency- Stellar Recovery My husband and I are the underwriting process of purchasing our new home. on XX/XX/XXXX I received an alert of a new collection account from Stellar Recovery on my credit report. I tried calling the number listed on the credit report but it was not an active working number. I immediately researched agency and sent them an email disputing the collection and filed a complaint with the 3 credit bureaus. I sent two physical letters to two different addresses ( Montana and Florida ) associated with the business. I contacted my bankruptcy attorneys and they sent a letter to the company on my behalf. I left an inquiry on the agency 's website. I 've called the company at other phone numbers I found online 3x but could only leave messages. I then did a search in my spam email and found they emailed me 4x in one day on XX/XX/XXXX before placing this on my credit. ( Three of those emails from the agency were addressed to 3 other individuals providing me with their names and addresses. The email addressed to me never stated who the bill was from, the amount of the bill, or that it was an attempt to collect a debt. The company has not returned any of my calls, emails or inquiries. My credit score has decreased by 30 points due to this and we are still waiting to hear how this may impact our chance of buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: HW Holding, Inc
State: RI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Was curious to check my credit score online only to find out I owe {$320.00} which I was not aware of from a previous complex I used to rent an apartment from. Being a seasonal employer was there for XXXX months & paid my rent till I moved out & left for XXXX in XXXX 2013. Never got an email nor phone call stating I owe them money & I shared my apt with another person.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX XXXX is disputing the balance of {$3000.00} I owe on this account. Also, incorrect reporting to the credit bureaus in regards to amount and reporting " Charge-Off '' status every month. 

XX/XX/XXXX and XX/XX/XXXX are your last correspondence to me which states 'all of your reporting 's to the credit bureaus are correct. '' I disagree. 

Please stop harassing me with collection calls/letters and defaming my credit and FICO score by reporting to the Credit Bureaus Charge Off and incorrect amount every month to my account as of XX/XX/XXXX. Charge Off is only to be reported once. 

I have been trying to resolve this matter with XXXX XXXX for approximately a year via phone and via credit bureau disputes. 

XXXX XXXX informed me via phone that it was illegal for XXXX XXXX to accept a payment from me until XXXX XXXX corrected the errors on my credit report. The XXXX XXXX employee stated she would file a credit bureau dispute. Instead I received collection letters and calls with threatening law suits. 


This unresolved matter : 1. Has interfered with me in purchasing a home and an automobile as a creditworthy customer 2. Lowered my creditworthiness and FICO score. 



To assist me in resolving this matter : 1. Im writing to request a copy of my XXXX XXXX Statements for the above accountXX/XX/XXXX-XX/XX/XXXX. 

2. Please inform me of XXXX XXXX charge off policy. How many months does XXXX XXXX wait before a delinquent account is charged off? 

XXXX. Does XXXX XXXX have a Hardship Policy? If yes, what are XXXX XXXX guidelines? 

I previously requested a hardship due to my unforeseen loss of 50 % income, from the death of my mother and my brother. Twice within two months I had to travel to New York with Funeral, Hotel, Food and Transportation expenses. I was denied by XXXX XXXX. While all of my other creditors enrolled me into their hardship program. 

I have been a credit card holder with XXXX XXXX in excellent standing for at least fifteen years. 



Sincerely, XXXX XXXX CC : Three Credit Bureaus Consumer Federal Protection Bureau

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 2022-01-28
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with World Finance, located in XXXX, Ga, I stop making the pymts due to a issue that came up and I thought my only option was to file a XXXX  XXXX, consulted XXXX and XXXX and was actually working with them to file this XXXX  XXXX and one of the things you have to do is take a online line class that discusses budget, making arrangements and possibly settling account with creditor, so after my last conversation with XXXX and XXXX  I advised them that I would like to speak with my creditor to see if I can work anything out with them, I spoke to all my creditors and have work out payment plans, I contracted World Finance on XX/XX/22, spoke to the branch manager XXXX XXXX XXXX and advised her that I am in a position to pay them and I would like to resume making my payments on XX/XX/22, she stated she couldn't do that since I had renewed my loan with her company and no payments had been made since the renewal, advised her ok and I guess I will see her in court, prior to me not being able to pay I paid this loan on time and was never 30 days past due, I would like to be given the opportunity to pay this loan All call made in my office are recorded because i work for a finance company and XXXX XXXX is aware of this, please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NJ
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 Bank, account ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This credit account with XXXXXXXX XXXX has been opened without my consent and it needs to be closed and removed from my credit report 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