BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-14
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/2021 Debt collection agency placed an account in collections from originally creditor XXXX  since then I have requested that this debt be validated providing me a contract that this is my debt I keep receiving a billing statement with a balance from receivable management as a debt validation ( this is not a form of validation ) aside from this collection agency keeps updating the balance every few weeks from XXXX XXXX to XXXX $ owed on the account which is illegal please delete this from my credit report as this collection is being reported illegally I have attached screen shots of the credit reporting where balances are being changed. I

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 2021-03-22
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, Mo XXXX To : XXXX  XXXX XXXX XXXX XXXX, This complaint is against GM Financial on ground of price gouging by changing a payoff on a vehicle. Allow me to explain. 

In XX/XX/XXXX my fianc past away with a XXXX XXXX XXXX, being financed by GM Financial. According to the bill for that month, the owed balance was about {$9000.00}. Later I advised the lender of the development by sending information and express my intent to continue to payoff the balance. I even sent them a copy of the title indicating me as a beneficiary on a TOD ; Transfer on Death. 

During a phone conversation, they insist that I produce a letter of executive, or they will NOT give me a statement on the account. It was explained that because my fianc didnt owed any property or a business, an executive letter was unneeded and will NOT be produced. The lender still refuse to give me a statement. 


Point of the Complaint In XXXX, I received a letter from the lender stating that a balance of > {$8000.00} ( {$7000.00} principal ) was owed. Please be advised that payments of {$430.00} ( average ) a month was made from XXXX to XXXX of XXXX. To have this amount left on the balance is clearly unreasonable. It appears that the reason for this lender to NOT provide me a statement is to wrongfully charge me an excessive amount to payoff my fiancs vehicle. 

Additional information will be submitted at a later time. 

With this complaint, I respectfully ask for your assistance. 


XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: FORD MOTOR CREDIT CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I leased a vehicle from a local Ford dealership. The lease was provided by Ford Motor Credit ( FMC ). At the end of the lease I made numerous attempts to trade the vehicle in at several dealerships for other types of vehicles because I was over the lease mileage limit and the lease end purchase price was less than the trade in value of the vehicle. Both FMC and the local Ford dealership refused to provide a pay-off to the other dealerships. When I spoke to a FMC representative I was told that there was nothing in the lease that would prevent me from trading the vehicle because I had the right to purchase the vehicle at any time during the lease, however, any payoff amounts would have to be provided by the local dealership. The local dealership refused to cooperate, all the while stating that they would be happy to sell me the vehicle, which was not theirs to sell, but would not assist me with a trade to another dealership. I ended up doing a lease end return, and FMC subsequently billed me for the excess mileage in the amount of {$830.00}. I disputed the debt immediately and commenced litigation in XXXX County Justice Court against FMC and the local Ford dealership. In XX/XX/XXXX the litigation was settled, and as part of the settlement, FMC received the entirety of the amount in dispute. FMC never reported that the debt was disputed, instead FMC reported the debt as a chargeoff with a balance owed in the amount of {$830.00} even though FMC actively litigated the matter until the case was settled and was ultimately paid in full. I have since been in touch with FMC 's attorney, XXXX XXXX XXXX, XXXX. of XXXX, XXXX XXXX XXXX and requested a correction to my credit reports. Mr. XXXX has asked me for specific language that FMC should use to report the account to the credit bureaus. My reply to Mr. XXXX was, " Your client has a duty under the Fair Credit Reporting Act to report accurate information. They should be able to look at the account and figure out what they did that is inaccurate and get it corrected. I am not in a position to tell them how to do that. I am quite certain, however, that this account should not reflect anything negative on my credit reports. '' To which Mr. XXXX replied, " At such time you have a demand for my client to consider which would include specific requested credit language, let me know. Theres nothing more my client and I can do at this time. '' Apparently FMC feels that they are justified in reporting inaccurate and misleading credit information unless a consumer can explain to them their legal obligations in specific language.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: 21ST MORTGAGE CORP.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I became behind on mortgage payments due to wage loss from COVID and COVID Delta. I lost an entire months wages on two different occasions in XXXX. I have made every attempt monthly to make payments as agreed. I spoke to XXXX with 21st mortgage XX/XX/2021. I made an attempt to make a payment of {$2000.00} to bring my past due to the current month and make up the current month through payments on the XXXX and XX/XX/XXXX. I was told there is an overage of {$1000.00} and the {$2000.00} would bring my payment to XXXX due. XXXX then supervisor XXXX on the phone who then began to blame me for being past due, saying things like at least I pay my bills when are you vacating the home saying I had until XX/XX/2021 to vacate. I told XXXX I hadnt been served with notice of foreclosure. I told her that with the way I am being spoken to I am not authorizing the payment. I asked XXXX why she is threatening me. That I had everything worked out until she got in the phone and began to harass, belittle, berate, degrade, and humiliate me. Calling me names. Attacking me as an individual and commissioner. Laughing at my misfortune. I have never been treated fairly by this company and they make threats every phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA 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 2023-04-28
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a Vanilla Visa Gift Card at XXXX in XXXX XXXX, CA for {$500.00} with a value of {$500.00} in early XX/XX/2023. 

Somebody used my card to fraudulently make a purchase of {$490.00} at a XXXXXXXX XXXX in XXXX XXXX, California. 

I live in XXXX California and have not been to XXXX XXXX in years. 

I have filed multiple disputes with Vanilla internal dispute process ( XXXX ) and have been given the run-around for 2 months now. I am extremely frustrated and don't like being scammed of $ XXXXI am filing a CFPB complaint as I feel like I'm wasting my time trying to recover my funds directly from the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EQUIFAX IS IN VIOLATION OF SECTION 609-811 OF THE FCRA AS THEY ARE CURRENTLY REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE ATTEMPTED TO RESOLVE THIS MATTER BUT THEY HAVEN'T RESPONDED. 

THE ITEMS BELOW ARE WHAT IM COLAINING ABOUT. : XXXX XXXX XXXX { ACCOUNT } INQUIRIES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. 
ADDRESSES : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX GA XXXX XXXXXX/XX/XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have 2 credit cards from Citi bank as well as banking accounts for over 30 yrs. It started in XXXX XXXX to current, Citi keeping my credit availability only {$200.00} - {$300.00} every 2-3 months. I am regularly making payments for both credit cards on time, and not using these cards. The very first time they made my credit line lower in XXXX, XXXX ( Citi lowered almost 50 % deduction ), I called their customer service several times. Their answers were always uniformly the same as " Please contact the credit agency ''. I checked 3 credit bureaus, but nothing was found negative. I have other credit cards from XXXX XXXX & XXXX & XXXX, they do not make changes on my credit line, one of them actually sent me a better offer. 
A few months later, Citi lowered my credit line again. I called them, heard the same as before. Another few months passed, Citi did again. They keep my credit line stays only $ XXXX {$300.00} availability. Basically, Citi is saying to not use their credit cards, asking me to close the accounts. This cause my credit score to lower, almost XXXX - XXXX points down because of Citi 's this practice. Citi is intentionally lowering my credit line to make my credit score lower. The more I make payments, the more Citi lowers my credit line to make my credit score lower. It's harassment against an individual who honestly making payment without delay, without using these cards. I have asked many times to transfer my call to their credit department, but they refused to do so. 
During the pandemic between XXXX - XX/XX/XXXX, I received a strange letter 3 times from Citi which is asking me to contact them to clarify the information. I called their phone # on the letter every time I received a letter, but no one doesn't know what it is. I have even asked their manager what going on is. This manager also can not find the reason for the letter I received.

I really want Citi to investigate the internal system what going on is. It may mix with other individuals or by their employee illegally access to Citi customers account, and input faux information. Please investigate Citi 's business practices and employees.

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 2023-09-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX currently have Fruad accounts and inquiries appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX and I am submitting this complaint myself. These items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Mechanics bank car loan accounts are being charged late fees and applying payments to the wrong accounts when utilizing their mobile app. 
Picture of XXXX accounts show that they are in the same mobile app. But you can only choose the XXXX XXXX because its the one with the oldest due date. So if I were to select the XXXX and make a payment it will default to the XXXX. So if Im not checking the account description I wont be in the correct account. The app will divert back to the XXXX. 
Mechanics Bank is aware of this known issue and will not resolve the issue. 
This has impacted consumers by : - Giving {$10.00} fee to make phone payments- Applying the payment to wrong account resulting in late fees and penalties - Inability to get a hold of customer service after hours in order to make payment on mobile app to avoid late payments - you are not allowed to choose which account to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: GA
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$450.00} Account # XXXXXXXX XXXX XXXX {$540.00} Account # XXXXXXXX XXXX XXXX {$2500.00} Account # XXXX 15 U.S.C. 1681 section 602 A. states : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states : a consumer reporting agency can not furnih an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting aganecy may make any consumer report containing any of the following items of information - any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is innaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: DISCOVER BANK
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
For 3 years I have made payments late to Discover Student Loans occasionally but never more than 30 days late. They repeatedly call after being 3 days late 5 times a day starting at XXXX and ending at XXXX. It is harassment and I wish I could afford to pay on time but think this is unfair treatment. Please help me if you can. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HAS FRAUDENTS ACCOUNTS AND COLLECTONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My USAA credit card has several built in benefits it advertises including satisfaction guarantee ( Return protection ). I filed two claims in XXXX ( claim XXXX and XXXX ). The first was rejected as the benefits center stated I had exceeded the annual number of claims allowed ( 4 ). This was an untrue statement as I had only submitted two other satisfaction guarantee claims within the preceding 12 months. I called the benefits center to clarify and was told it would be reviewed and corrected. It never was. Most recently when I inquired again, I was told it was denied as being outside the term limit. That was not the case either. The second claim was reviewed and I was requested to send in " salvage ''. I was waiting for the first claim to be reviewed so that I could send both items ( shoes ) together to save on shipping. Then the second claim status updated to say I had exceeded the annual cap. Again, this is untrue.I have two other claims for satisfaction guarantee on this card in the preceding 12 months : claims XXXX and XXXX. I have had no success with the benefits center after repeated attempts to get this point across.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: AC AutoPay LLC, Denver, CO Branch
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX, I responded to an advertisement on XXXX XXXX from AutoPay to refinance my vehicle at 3.52 % for a 60-month term. The ad suggested that I would see my available rates upon completion of a short application. However, upon completion, I received no rates. Eventually, I received several emails congratulating me on my approval. However, no rates were provided. 

It's important to note that this application resulted in a hard hit against my credit report causing a small drop in my overall FICO score. 

On Saturday, XX/XX/XXXX, I received a text message ( uploaded ) from an associate of AutoPay informing me that they could not beat my current 4.87 % loan and suggested I needed to change the terms of the loan or remove someone from my loan. I assumed he meant my wife. 

Today, XX/XX/XXXX, I received a text stating that removing my wife would not improve the rate and, in fact, rates had gone up. However, when reviewing XXXX XXXX, they are still promoting the same 3.52 % rate ( image included ). 

This entire experience feels like a classic bait and switch and is very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: TN
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, has violated my rights. 

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

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

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