BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: General Motors Financial Company, Inc.
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am a XXXX citizen but my loan was through gm financial in the states, a 5 year term, no missed payments, no late payments. My car is paid off. When I call it says title released XX/XX/2019, I owe nothing. I was unaware of a policy that states I have to wait 15 to 30 days to sell my vehicle I paid for, for 5 years, this is unacceptable as a consumer, even more unacceptable as someone who sold their vehicle not knowing of this 15 to 30 day policy that is not written anywhere for anyone to see or none about. I now have a very angry car buyer who cant put the car in her name as the lien is still there due to the policy that is not written anywhere for anyone to know about. I have dealt with gmf via phone and also written complaint for the last two days being told they cant send me that policy as its an internal policy. Wait, what? So how is a consumer to know that you have to wait 15 to 30 days to sell a vehicle if its not stated anywhere? Written anywhere, not notified as such a policy? Its not a policy, if its not written! I have a my account through gmf and asked that they send me a letter stating I owe nothing and they release the vehicle. They wont do that, I have to adhere to their policy that isnt written anywhere or I wasnt aware of. I am here to protect future consumers from this company who dont end up like me, paying a car off, selling it and having one angry buyer as I wasnt aware of some internal policy. I was also told by XXXX ID number XXXX that they didnt have to tell me of this policy as its an internal policy. Please do something about this policy they have that is not written anywhere!!! Yes Im XXXX, but my loan was through an American institution, how that happened is beyond me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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 AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian was dated 12/19/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Balance : {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my  payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: OH
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: Other problem getting your report or credit score

Complaint:
I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. XXXX XXXX isnt reporting an account to Equifax im on month 4 I deserve a special reporting for the inconvenience. XXXX  hasnt updated a balance in months its supposed to be {$480.00} on all XXXX bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what XXXX XXXX is supposed to look like on all XXXX bureaus. Please report a complete file to both Equifax and XXXX. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, For the past 9+ years, I have been struggling in dealing with Navient about the information of my student loans. Over the past five years, I have been under the impression that I was on a 10-year repayment plan. I was told be several representatives that I would have my loans paid off within 10 years but to my surprise, I was misinformed. I asked for there assistance in finding a repayment plan that would be best for my needs, with have XXXX kids/supporting a family. I was told that I had to call Student loans.gov when I found out that I had been misinformed about by debt and repayment plan. In actuality, my debt had doubled due to the interest and the type of loans I had and I was not informed about this happening when I directly ask the representative. Today I called Naveint customer service to obtain more information about my loans and why my payment had increased without any contact from their office. The replay I received was short and was never answered, again I was referred to call student loans.gov. I ask if I could change my repayment play to another and I was told that the standard payment plan was in the best of my interest and I would have them paid off in 10 years but this also was untrue. I have now filled out an application to consolidated my loans and move to a different provider. Please if there is anyone out there who could help me I would greatly appreciate it. I can not afford to pay for the ridiculous amount of interest that has occurred because I was misinformed by Navient 's representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
On XX/XX/XXXX I filed a dispute against XXXX XXXX with all three of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported two inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The First XXXX XXXX XXXX Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XXXX, XXXX, XXXX, XXXX and then reports no other data for any of the other months or years. The Second XXXX XXXXXXXX XXXX Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The First XXXX XXXX XXXX Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XXXX, XXXX, XXXX, XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The Second XXXX XXXXXXXX XXXX Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The Second XXXX XXXX XXXX Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but regional acceptance continues to report to the three credit bureaus that I am still past due {$9700.00}. after it reported a XXXX to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % 100 accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these XXXX accounts listed below are in violation of not reporting % 100 accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX XXXX Acct # XXXX ... 

XXXX XXXXXXXX XXXX Acct # 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 2023-01-30
Company: Payfare International Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have the XXXX XXXX card. Last week, there was a transaction for {$78.00}. I was notified right away about the transaction. I called XXXX support and they told me to call the gas station in Florida where this was made ( I live in Arizona ). I called the gas station, they said they can not cancel it because it was online, blah blah blah and told me to call XXXXXXXX XXXX. I called XXXX back. Got transferred a couple times, and then was told the transaction was cancelled and I would be getting my money back within 24 hours. Of course, I called back today, and now they are saying it was made with XXXX XXXX, and it is my fault and they will not give me my money back. But here is the biggest issue. I JUST got that card like a week before this. I NEVER EVER used this card, I never put the number ANYWHERE. I was saving the money on that card for my trip coming up, I was leaving it there and not touching it. The ONLY way someone could have gotten this card number was from XXXX employees. I can not be the only one that has had this issue. I need my money back this is an AWFUL business practice and something needs to be done!! I called them right away, so they had plenty of time to cancel this order before the thief even had time to get the items they ordered. XXXX XXXX and XXXX XXXX XXXX  should be fined for doing this to people!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. These are the items that are still existing on my credit report and need to be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Midlandcre is reporting false information. Accounts that do not belong to me and they're reporting two separate accounts with two balances under 1 account number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: ID
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:
This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX new york XXXX is committing illegal fraudulent activity against a XXXX person and veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX OF XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC XXXX XXXX ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND ALL THREE OF THE CREDIT BUREAUS TO THE XXXX XXXX XXXX  THE FLORIDA AND NY ATTORNEY XXXX OFFICES AND THE XXXX FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND XXXX FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST XXXX XXXX XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: TX
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 not received any information on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have sworn testimony from my end which I would gladly present in court if we need evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied form the attached affidavit ) *******

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 2022-01-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I noticed inaccurate accounts and information on my credit report and contacted the 3 credit bureaus about it ( Equifax, XXXX, and XXXX ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these three companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX Credit Card account # XXXX opened on XXXX XXXX XXXX Unsecured loan account # XXXX opened on XXXX XXXX XXXX XXXX Auto Loan account # XXXX opened on XXXX Under the XXXX XXXX XXXX, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ).

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of 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 explanation