BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the  USDOEXXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these 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 2022-07-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to XXXX to received the medical emergency help in XXXX 2015 due to the work injured and I had the claim number which I provide to hospital, but the bill was sent to me. 

I tried calling ( XXXX ) XXXX number in hoping to talk with XXXX ( the actual bill : proof file attached ) trying to explain to them to what was going on, but this number would never be working. There were no chance to talk and correct this matter. 

So, I had to forward the bill to my attorney in XXXX 2015 ( please see proof file attached ) No further bills have sent to both my attorney and I after XXXX 2015. 


Bill was not paid until I acknowledged the alert from my credit report ( on the night of Friday, XXXX XXXX, 2015 ) where my point dropped down XXXX points. After I know the problem, I took care of the bill myself ( payment posted on my account on Tuesday, XXXX XXXX, 2015 ). 

My attorney made the informal conference to XXXX agent ( please see file attached ) XXXX did not take care this bill. That was the reason why my credit score has dropped XXXX points because the collection action was put under my name. 

I need XXXX insurance explain in writing where I report to credit bureau that it was not my false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am called daily between XXXX and XXXX XXXX everyday. I do not have a student loan. There is nothing on my credit report. I can not respond when they call because they use a call back number and I am skeptical of returning the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 attached an FTC report with inquiries I did not authorize

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ( ANY ) purpose

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 2015-08-02
Company: Avant Credit Corporation
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When I applied and opened my loan with Avant Credit it was for a line of credit. I received approval for a {$12000.00} line of credit and have an email describing my loan details. Shortly, thereafter they indicated I was approved for a lesser amount {$11000.00}. I did n't care about the {$600.00} difference. A few months into the loan, they advised they were changing my line of credit to a normal installment loan. They indicated the terms of the line of credit allowed this change without my consent. What bothers me the most since this change, is that my monthly payments keep increasing even though I am paying the minimum amount with no further loan withdraws or charges to the account. I do n't understand how the monthly payment is not decreasing on this type of loan and Avant Credit ca n't explain it it me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: ERC
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:
THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score.  The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It seems that I am going to need to speak with an attorney in regards to the fact that XXXX XXXX and Equifax will not remove this account that is fraudulently on my credit file. I 've already make 2 complaints with your organization and nothing is being done to assist me. Here is my 4th letter to Equifax and the office of the attorney general : This letter is being sent to both parties : the office of the Attorney General as well as Equifax Information Services. This is now my 4th letter in regards to accounts resulting from identity theft reporting on my credit file and although XXXX of the accounts has been removed, this XXXX XXXX XXXX account # XXXX remains. I still have not heard back from the AG 's office and I continue to receive letters from Equifax stating that this information has been verified. 
I will make this very clear : # 1 I did NOT apply for, open, obtain, maintain, make payments on an account with XXXX XXXX XXXX # 2 I am a victim of ID theft # 3 I do not have a vehicle with this company # 4 My name is NOT XXXX XXXX. My name is : XXXX XXXX XXXX XXXX and that is how all of my debit and credit cards state # 5 XXXX XXXX states that the person making payments has the name of XXXX XXXX listed on the payment card and there are XXXX people with the same name - it was NOT ME # 6 I already stated that I do n't care if this vehicle, that I do n't have, is repossessed, if an APB is placed on this vehicle : I do n't have it, I never had it, I did n't apply for it, I have n't been making payments on it and the person who obtained this loan had my identification and other documents. 
# 7 I requested the documentation verifying this account as mine and I received nothing - in XXXX V XXXX, 1997, it states that if XXXX had acquired the actual documentation for the account and had done a handwriting analysis that they would have known that the consumer did not open the account. Congress also rejected what TransUnion stated when they said that the burden lies on the consumer to deal with the issue. 

This is not my job - this is YOUR job and you 're doing nothing to assist me! This is why the FCRA was enacted in the first place - because of the ABUSE by the CRA 's! 

Please block these within 4 business days under FCRA 605B and provide a full investigation : XXXX XXXX XXXX XXXX - I did not open this account ; block this pursuant to section 605B within 4 business days - I already told you that my car was broken into and that someone opened this using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the XXXX XXXX XXXX. Disputes along with the FTC REPORT were mailed off to XXXX, XXXX, EXPERIAN and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e XXXX XXXX XXXX whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX 'S XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Information is missing that should be on the report

Complaint:
Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. <<<<<<<<<<<<<<< This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. XXXX should really be sued for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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:
I have reviewed my Credit Report and seen a Number of Fraudulent Accounts and Inquiries. I have contacted the Creditors and they stated that they have No Evidence of my Credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: Duncan Solutions, lnc.
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Dear customer service, I found recently I have colection in my credit report. 
I visited the doctor in Maryland and I made XXXX. 
I asked the secretary how to get the results, she told me to come next week and I did not request to visit the doctor. When I arrived she told me that I have to get them from the doctor and considers that as a doctor visit. She then obliged me to pay XXXX visit copay of {$30.00} each with a total of {$60.00}. I called I requested to pay my doctor visit of {$30.00} and she refused and told me that she will send to collection the {$60.00}. 
She wanted and obliged me to visit a doctor to get the XXXX ; this is not fair. I used to get the XXXX without a doctor visit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: LoanCare, LLC
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:
To Whom it may concern, I received an email from XXXX XXXX  stating that my credit score went down XXXX points because of a late payment to Loan Care LLC. I have never had a late payment on my credit. I called Loan Care and they told me that my last payment was XX/XX/XXXX of 2021. There was no payment for XXXX or XXXX. I pay this automatically through XXXX XXXX Bank. I have attached a document showing that the XXXX and XXXX payments were scheduled and were also showing in the history. I called XXXX XXXX XXXX  and they said someone would call me within 3 business days. They said that they saw that I had scheduled these payments automatically for the first of each month but that they did not send the checks. She did not know why and had to escalate this. I told her I wanted something from the bank stating that this was the fault of the bank. She said I would have to wait until someone e-mailed me about this within 3 days. 

I called Loan Care and I told the representative that I had not received any communication from Loan Care about this. She said that they called me but received no answer. I said why wouldnt they leave a message. I dont answer calls if I dont know the number. She said that they sent a letter in XXXX. I have not received that because I am at my other home in Georgia. 

The research done by XXXX XXXX it was found that the payment for XX/XX/XXXX was lost in the mail and the payment for XXXX was cashed on XX/XX/XXXX. I asked why the second payment was not cashed on the first because I schedule my payments to get to Loan Care by the first and I was told that was up to the merchant when they cash it. I was told by XXXX XXXX that the screenshots should be enough to resolve this. They do not send letters. I have attached the payment history along with the check numbers that were sent. I sent this info to Loan Care and they will not take off the derogatory mark from my credit because they said a check lost in the mail is not their fault. 

I am very upset about this and am asking for my credit score to be restored. I paid the two months right away after I found this out. 

Please let me know if you can resolve my credit issues. I have never had a late payment in my life and this has reduced my credit score by XXXX points by no fault of my own. Please advise. Thanks you very much! 

Sincerely 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 2020-03-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
To Whom It May Concern, As a borrower of Santander Consumer USA, I have reached out to the company with my concerns about the auto loan account that I have open with them. I have addressed the fact that I, as a low income borrower, was not aware of the 27.99 % APR on the auto loan, which exceeds California 's usury rate. In fact, they exceed the rate by 17 %. I've been a borrower of theirs for over two years and have not yet paid half to the principal, and have reached out to them with major issues to break down into detail about where my own money was going towards. I have politely asked for refinancing options as well, but was denied this. I have asked for Extended Payment Plan, which they had charged an additional 5 % without notifying me, and the representative over the phone never clarified to me. I have tried my best to keep up with the payments, but feel that I will need to reach out to those of higher authority to help alleviate some stress. My auto loan borrowed was initially {$12000.00} to finance for 60 months. Beginning XXXX of XXXX, I have only paid less than {$1000.00} towards principal which doesn't make any sense, for I've made payments on time prior to my recent financial struggles in the past year of XXXX. I've closed my credit accounts to pay for this auto loan that is clearly a depreciating asset, but none of my money has gone towards the principal of this car. I've kept in contact with Santander about my situation in hopes that our business could become better, but I honestly feel a deep disrespect from the lender as I've tried my best to be cordial. On XX/XX/XXXX on a Thursday evening, I've called to manage my past due balance to bring my account back to current, and was told by 2 separate representatives an amount of {$620.00} made before XX/XX/XXXX would bring my account back up to current. I was not told of any other late fees that would be charged onto my account. Today, XX/XX/XXXX, I called to confirm this amount and was actually charged an additional {$260.00} onto my account, which was only three business days, and after speaking with a representative and a Supervisior who've clarified the additional charge. I asked to be waived of these extra charges because I was not given this information, and was again denied. If there is a reason for my default, I believe that Santander is in exploit of that. I am not satisfied as a consumer and would like to report this scandal. If Santander strives to be a company of prosperity and respect, they wouldn't dig a deeper threshold for their own consumers. Files will not be included until I receive an e-mail via CFPB. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax 's processes and policies are inefficient and biased due to the confusing and misinformation that they provide. Bankruptcy information should be reported once as a court account not individually as credit accounts. This is misleading and shows multiple negative accounts under Credit Accounts. No other reporting agency reports this way, which explains the dramatic difference in my credit rating with Equifax , over XXXX point difference. This illegal practice is given further power because Equifax fails to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax , who primarily services the southern states, policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of this agency. I suggest termination.

Company response to consumer: Closed with explanation