BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car for my then husband in XXXX XXXX that was financed through Santander. In XXXX XXXX when our divorced was finalized, our divorce decree stated he was responsible for all payments on the vehicle. This was forwarded to Santander who stated they could not honor the divorce decree and the loan was still my responsibility. My ex husband continued to make payments sporadically then decided he no longer wanted the car. I tried to continue the payments on them but just could not financially afford to. The vehicle was voluntarily surrendered to Santander in XXXX XXXX. They have sold the vehicle since and reported the unpaid balance as a charge off/repo. However they are also reporting it monthly as a late payment. If the loan has been charged off, why are they continuing to report a late payment monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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: Account status incorrect

Complaint:
I have a closed account on my equidax report from 2014 that has been charged off. The report doesn't include any of the charged off information. Or any indication the item is charged off.i have sent over letters from the company to equifax stating the item is charged off. Equifax won't update the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have on several occasions requested my annual credit report and waited the allotted time, and still have n't received my report from EQUIFAX. Then on top of that it will not allow me to dispute inaccurate information on my report such as the derogatory accounts not being mine. I have been denied credit because of information specifically in my credit file with EQUIFAX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank has ignored the documents I have sent to support a filed dispute and extended time to the merchant repeatedly past given deadlines.I received correspondence from Citibank on XX/XX/XXXX stating that they reached out to the merchant but had not heard back from them and they had until XX/XX/XXXX to respond, the date of the letter I received. Two weeks later I receive another letter stating that the merchant won't give the credit because they did the work. My original dispute included the information that Citibank requested of a second opinion stating they performed excessive labor to drive up the price and still did not provide the diagnosis of the problem. I provided the proof asked for and XXXX XXXX has yet to give me a diagnosis. They only ever gave a parts list of what needed to be purchased and replaced. The mechanic who fixed the motorcycle stated as much in their invoice. Now I am told they have closed the dispute in the merchants favor. 
Secondly, despite an annual fee of {$500.00} I am denied the right to speak to anyone when I call in for any reason at all. This means when I have questions that must be answered in a timely manner to respond to disputes I am told I must send those questions in writing and wait for a reply when an immediate response is needed from the dispute department. Citibank should be representing me as I pay them {$500.00} annually for their service. Instead I get no personalized service while they defer to the merchants rather than standing up for their clients.

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 2017-01-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My husband and I are in the middle of an FHA Short Sale for the property located at XXXX XXXX XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have several collections from DEBT RECOVERY SOLUTIONS on my credit file. Some are duplicated. I sent a request to this agency asking them to validate this account. They never validated anything yet they continue to report it on my credit as well as duplicate accounts making it look like more accounts with the exact same dates and amounts. I have medical insurance. The hospital can't locate the debt this agency is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of 2015 an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately. 

remove late pay from all XXXX credit bureaus- an inadvertent error in auto pay amount when payments were made every month & when a payment of extra XXXX was made to the same lender on another mtge is totally unfair and prejudicial - consumers with no late pays for 25 years do not deserve to have their credit ruined when lender could have made sure to contact them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: TCF NATIONAL BANK
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CHEMICAL BANK - XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: MS
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 has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. XXXX  allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Transunion several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.

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 2020-12-29
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: Information is missing that should be on the report

Complaint:
There's a paid collection on my credit from 2014. It was an amount of {$15.00} that was paid. In the description, it is listed as a medical collection. 

The creditor 's name is listed as " XXXX XXXX ''. This is a medical collection, and the fact that it is reported to my credit is a violation of HIPAA laws. The fact that I attended a medical doctor is a private matter and my info, billing or otherwise, should not be furnished to any collection department or personnel that isn't the acting doctor or nurse treating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a phone call on my employer 's phone ( I am employed through XXXX XXXX ) at which time I provided my cell phone number to the worker for all future contact. Today ( XXXX/XXXX/16 ) I received another phone call from the company on my work phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: JPMORGAN CHASE & CO.
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:
Im seeing accounts on my credit report that is fraudulent during the time I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Commercial Acceptance Company
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It may Concern : I Receive a collection letter from commercial acceptance co, I repeated told them i had car & health insurance during the accident, one of them should have cover the cost, but the collection agency is XXXX bent on collecting its money without any proof or bill that i owe the city of XXXX. they specially told me they cant provide me with a bill the last time we spoke.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Performant Recovery Inc. stating they were a private collection firm contracted by the U.S. Department of the Treasury, XXXX XXXX XXXX to collect a delinquent balance owed to Dept of Health Human Services for {$1300.00}. 

I have received no prior communication from any government agency that I owed this money and after several requests for details from this company no information is provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding LLC is being negligent and unfair. This company has damaged me financially and emotionally. This situation is overwhelming and I hope to get a fair solution. 

Account involved : LVNV Funding LLC account, opened on XX/XX/2019, highest balance {$2200.00}, original creditor :XX/XX/XXXXXXXX. 

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). This company has committed multiple violations of the CCRA, California Rosenthal Act, violation of California Consumer Call Protection Act and California Credit Reporting Agencies act : USING AUTOMATED DIALER. 
EXCESIVE PHONE CALLS WITHOUT PRIOR AUTHORIZATION BY LVNV AND ITS SUBSIDIARIES. 
CALLING DESPITE PRIOR NOTICE TO STOP CALLING. 
MISREPORTING DATE OF LAST ACTIVITY. 
UNSUBSTANTIAL INTEREST CHARGES BY ORIGINAL CREDITOR. 
FAILURE BY ORIGINAL CREDITOR TO PRODUCE DEBT INSTRUMENT AND PROOF OF CHARGES. 
REAGING ACCOUNT. 
NEGLIGENCE. 
UNFAIR BUSINESS PRACTICES All I am asking is the cancelation of debt and deletion from all bureaus. 

Please be aware that I am willing to take this issue to the next level. If judge is needed, I will take the case to a courthouse so I can get a fair solution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
I have filed dispute in regards to incorrect items on my credit report. It's been well over 30 days and I still haven't receive my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: VA
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 A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE EXPERIAN WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A XXXX REPORT ALONG WITH MY DRIVERS LISENSE AND THE XXXX COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES EXPERIAN IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Back in 2015 I noticed a fraudulent account on my TransUnion Credit Report under the name Credit Recovery I contacted TransUnion, and explained I was a victim of fraud, and in fact the account with Credit Recovery was fraudulent. The Representatives at TransUnion requested that I file a police report, and submit an ID Theft Affidavit along with my Identification. I went down to my local police station and filed a police report for the fraud account with Credit Recovery. I then mailed the police report, along with my ID Theft Affidavit, and all the documents that was requested to TransUnion. Approximately two weeks later I receive a letter back from Trans Union saying they were declining to block the accounts. I contacted Trans Union immediately, and tried to get a clear understanding as to the reason they refused to remove these fraudulent accounts from my credit bureau report. No one could provide me with a clear answer. A year later and still no resolve, I just got off the phone with TransUnion who are now saying they can not find my original police report, so they may or may not be able to dispute the items again. I 've done everything that TransUnion has requested and still there is NO resolve. Please help!!!!

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 2022-10-10
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
XXXX does not allow me to access my free credit reports with XXXX and Equifax. 

It either gives me a number to call or says there's a problem. 

When I call the Credit companies, they say they have nothing to do with problems on XXXX and I have to contact it directly. But I don't see a number to call to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate Please delete asap

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 2020-12-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that Experian, XX/XX/XXXXand XX/XX/XXXX would receive it. According to the tracking information provided by XXXX XX/XX/XXXX XXXX tracking # XXXX ) received my request on XX/XX/2020. Experian ( tracking # XXXX XXXX received it XX/XX/2020 and XX/XX/XXXX XXXX tracking # XXXX XXXX received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain 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 2015-11-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment on my credit report that do not belong to me and I have disputed it directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for this judgment and it is causing grave injury to my credit report and score. The judgment is as follows : XXXX County Special - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XXXX XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XXXX XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes XXXX, Transunion and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XXXX 's payment and paid on XXXX XXXX, for XXXX, but I have never ever been 30 days late!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation