BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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: Account status incorrect

Complaint:
I need to let you know about some wrong things on my credit report. XXXX says I was 60 days late on Experian, but XXXX shows XXXX XXXX XXXX XXXX and 30 days late. Both are not right. 

I learned that the law ( 15 USC 1681e ( b ) ) says it has to be correct. But this account has different dates and names everywhere. Ill send pictures to show it.

I dont think this should be on my credit. The law ( 15 USC 1681e ( b ) ) says so too. Can you also make sure nothing changes or stays wrong? I want everything about this company taken off because of the mistakes.

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 2020-09-29
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX Filed for bankruptcy in Texas. 
Automatic stay in place GM Financial website stated We are aware of you Bankruptcy. We are not collecting any payments but you can make a payment if you choose. 
XX/XX/XXXX Bankruptcy discharged. Went to start making payments with GM Financial, website still said the same as above. 
Payments were made on XX/XX/XXXX and XX/XX/XXXX as I could afford them. Both were for {$200.00}. The website still stated that they were not collecting payments. 
XX/XX/XXXX Received a phone call from GM Financial stating that payment was due. I told them that the website said that payments were not being collected. He stated that this was an issue with one department not talking to the other and that the website statement was an error. Nothing was said that I was behind on payments or that there were late charges. At this point, I started making regular payments after this call. 
XX/XX/XXXX I started to receive phone calls from GM stating that my account was past due. I asked how that was possible and why didnt I receive a statement for the past year. They stated it was a system issue. My payment also did not show applied and they said it was applied to last year, when they stated that I did not have to make payments. 
XX/XX/XXXX In writing, I requested that they not call. They called 10 times after that until they finally stopped. Three times they acknowledged that I asked not to be called but stated that they did not have to honor that. 
Basically, I did what GM Financial said to do. They were not collecting payments. At no point did they say that the payments would be applied to the earliest missed payments. By doing this, they violated the automatic stay on the account that was allowed by the bankruptcy court. 
I made payments totaling {$3200.00}, GM Financial only applied {$1600.00} per their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 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. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, send me confirmation that you have complied with my requests.

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 2023-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: NY
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 am writing to bring to your attention what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agency, Equifax.

Section 609 ( 15 U.S.C. 1681g ) of the FCRA affirms my right as a consumer to access all information in my credit file. However, for several months now, I have been unable to access my credit report or scores via the 'MyEquifax ' website. The last update to my credit score received was on XX/XX/XXXX, despite the website repeatedly stating that " Your next credit score will be available in 25 days. '' Moreover, when attempting to view the history of my credit report dates, only two entries appear : XX/XX/XXXX and XX/XX/XXXX. These entries do not reflect any accounts reporting on my report, contrary to my actual credit activity. 

These inaccuracies are concerning, as they might indicate a violation of Section 611 ( 15 U.S.C. 1681i ) of the FCRA, which entitles consumers to dispute and correct inaccuracies in their credit reports. 

To resolve this, I attempted to contact Equifax directly but my efforts were unavailing. I was repeatedly transferred to various departments with no resolution or acknowledgment of the issue at hand

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: AMERICAN HONDA FINANCE CORP
State: FL
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:
After I have a total loss of my car the past XX/XX/2020 I still make the payments even though I don't have the car because i wanted to finish my contract terms with Honda because i wouldn't want to messed up my credit, but Honda took my money and still reports me to the credit bureau as a charge off. I pay late but never after the 30 days or 60 days trying to take care of my credit, I've been calling Honda since XXXX XX/XX/XXXX ) and Im still waiting an answer. I paid accordingly to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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 belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
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 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

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 2023-05-24
Company: CMG MORTGAGE, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX has allowed the non-occupant, co-borrower to change my personal information TWICE without notifying me. My address has been changed two times within the last 45 days and has affected my credit bureaus. I've reported to FTC and my personal credit monitor company. XXXX has been notified and they denied. I have documents from them stating they did so. XXXX portal was changed twice, they again denied, I took screen shot before changing back to correct address. I am the primary, I live at this address alone, I've been through I'd theft before with high suspension that the same person is doing it again. I need XXXX to stop allowing others to speak to them without my consent. I need XXXX to stop changing my address without my consent. I need XXXX to stop giving out my personal information without my consent. I need XXXX to correctly report my permanent address back to the credit bureaus immediately. All documents and letters sent by XXXX will be retained for court viewing only! I am submitting one document that was sent certified mail twice to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'm not sure why you closed the last complaint? Just because Wells Fargo replied it doesn't mean what they said is correct!!! I'm very disappointed and feel you should push harder!!

Wells Fargo is still attempting to move the wrong amount of money to the backend of my loan! I have a letter in which they state I owe for 4 months in the amount of {$3800.00} instead of the 3 months I owe, for one, {$2900.00} is the most I owe for the 3 months I did not pay. They say I owe XXXX - XXXX {$950.00} which equals my monthly payment, proving they are trying to move 4 months. I also paid to escrow on XX/XX/20 {$1400.00} so the balance should only be {$1400.00}!! They are insisting that HUD demands they move they whole balance to the end no matter what I paid, but I just got off the phone with HUD and am filing a case of fraud with them which they suggested I do because there is no clause that states they have to do it the way Wells Fargo insists HUD demands. XXXX with HUD informed me the only wording they provide is " Balance OWED for suspended mortgage payments! '' She was confused as to how they came up with their wording and insists this is not a HUD requirement! She has sent me the info to file a fraud complaint against them with HUD and feels what they are doing is not proper!!

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2023-04-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran, the state & County ( Maryland, XXXX XXXX XXXX XXXX ) have determined I am tax-exempt from property tax. In XXXX ( XX/XX/2023 ), I spoke with Carrington 's property tax department and uploaded the county 's determination of the tax-exempt letter to the link provided by Carrington Mortgage Services . I was informed that the process/review would take 14 business days.

I followed up with Carrington 's property tax department on XX/XX/XXXX to find out they had done nothing to my account. I paid the full mortgage and Escrow on XX/XX/XXXX and was informed by the next billing cycle on XX/XX/XXXX that my account would be fixed and refunded any escrow balance. 

On XX/XX/XXXX, I contacted Carrington 's property tax department again to learn no updates or adjustments had been made. Again, I spoke with a supervisor, and they were unable to answer any of my questions regarding why my account had not been updated. I was forced to pay again an on-property tax which I am exempt from paying. I contacted Carrington again in midXXXX, and no one I spoke with could tell me why I am forced to pay property tax, and I have not been refunded my escrow balance. The service members and supervisors I have spoken to have refused to send me a letter stating they have not processed my tax-exempt status, they refuse to send me any information regarding our phone conversations, and they refuse to allow me to speak with any higher-level management. 

It is approximately a week away from the May billing cycle, and no adjustments to my account have been made. In any conversation with Carrington, I am fed a pre-written comment that they are working on this matter and will escalate it, and the matter should be resolved within 5 business days. This has continued for nearly three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NY
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:
Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : 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 2022-08-18
Company: SYNCHRONY FINANCIAL
State: SC
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:
On XX/XX/2022, I initiated a balance transfer request online on XXXX XXXX XXXX website ( my credit card issuer ) for my Walmart Mastercard ending in XXXX in the amount of {$1400.00}. XXXX XXXX XXXX  online balance transfer system automatically generates the Creditors address. A few weeks after the balance transfer request, I noticed that payment had not posted to my Walmart Mastercard. I contacted XXXX XXXX  and it was determined that the payment was sent to the wrong creditor, Synchrony Bank. My Walmart Mastercard  was issued by and is serviced by XXXX XXXX XXXX XXXX XXXX XXXX mailed the balance transfer payment to Synchrony Bank. I have attached a copy of the check that was cashed by Synchrony Bank on XX/XX/2022 as well as details pertaining to the balance transfer. 

Since contacting XXXX XXXXXXXX XXXX  by phone, I have been contacted by a representative named XXXX at number XXXX. XXXX prepared a letter on my behalf and faxed it to Synchrony Bank requesting that the funds in the amount of {$1400.00} be returned to XXXX XXXX XXXX. She said in turn XXXX XXXX XXXX  would credit my credit card account ending in XXXX the {$1400.00}. XXXX has been persistently providing weekly status updates, however as of the date of this correspondence, sixty days after the balance transfer request was initiated this issue remains unresolved. XXXX said she can not process a refund to my account because she can not verify that it was a bank error. This is clearly a XXXX XXXX XXXX XXXX  error. I did not input the wrong Creditor or wrong Creditors address into the balance transfer system, it was generated incorrectly by XXXX XXXX XXXX  online balance transfer system. 

Additionally, I have contacted Synchrony Bank and the representatives I have talked with acknowledged that the balance transfer check was cashed but have not provided an avenue in which the funds can be retrieved.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report, I never gave them written consent to report them.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PREMIER 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 non-monetary relief