BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: General Motors Financial Company, 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: Was not notified of investigation status or results

Complaint:
I have been fighting with Gm Financial for some time now and nothing is getting resolve. They are reporting a late payment on my credit from XX/XX/2020. I have never been late on the loan and have been telling them this for months. This is affecting my credit score this is unfair and not right. How long do I have to fight to get this adjusted that i was never late?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance Owed : 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 2023-08-09
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:
My complaint is against Experian. I have XXXX accounts from Dept of EdXXXX showing on my Experian credit report as " open '' and " creditor can not locate individual '' when the accounts are all CLOSED due to consolidation and the creditor has sent me communication which I received! The creditor knows exactly where I am because how could I consolidate my loans and make contact with them through phone and email if they can't locate me? I even had Dept of EdXXXX send me an official letter stating that the accounts are closed and paid in full due to consolidation and that they no longer hold the accounts. I provided this information to Experian and they still report the accounts as " open '' and " creditor can not locate individual. '' I have tried disputing this with Experian XXXX XXXX already and they continually fail to accurately report the information. The dates of these disputes were : XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and currently XX/XX/22. Experian even admitted in a recent email to me that they made a mistake, yet they won't delete these erroneous accounts off of my file and they continue to severely damage my credit score and profile! I am SICK OF IT and I want these erroneous accounts deleted IMMEDIATELY since Experian clearly CAN NOT BE TRUSTED to handle my information correctly!

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 2021-03-15
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all 3 credit agencies by phone, as well as by letter to inform them that these inquiries on my credit report are unauthorized, unrecognized fraudulent activity to no avail of them being removed. I have also contacted many of the companies directly as well to no avail.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: MN
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 stating these are not my items and I had nothing to do with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 confidentially under 15 U.S.C 1681 ( XXXX ) XXXX XXXX XXXX. XXXX ( XXXX ) CXXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. states I have a right to privacy 15 U.S.C. section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C.1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2021-09-27
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company by the name of Jefferson Capital Systems , LLC contacted me and informed me that I owed {$360.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and I've placed a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing me about this account for weeks, and I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX but I've reached out to XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am XXXX and need a credit card for emergency situations. Discover Card has continually reduced my credit limit from a maximum of {$15000.00} ten years ago to {$500.00} recently. My credit score has remained fair to good. recently it was XXXX. I have 100 % payments on time. I have had this card since XX/XX/1989, one of my longest. I used to use the card frequently, but since it has been gradually reduced to a {$500.00} limit, It is not useful for any travel or car rentals. Hardly anything except for small purchases, and it is not my go to card, primarily due to the low limit. I have a XXXX  XXXX XXXX Visa XXXX with a limit of {$25000.00}. I have several other cards as well. So in the past couple of years, I have it as a backup, and not used. Discover Bank is therefore not making any fees or interest on it. That is the real reason they canceled my card, for lack of use. If they can't make any money, they don't want me as a customer. So then they look at my credit report and analyze it for any possible reason to get rid of me. The Key Factors they used for this decision are vague and several or not correct. Furthermore, if I were younger or used the card more, they would not have done this action. It is not as though I really need this low limit card, but the way they have done this is unfair and discriminatory. I am claiming age and XXXX discrimination in this denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: FC HoldCo LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
For the past week Ive been getting calls from this company that is XXXX XXXX XXXX and they are saying they are going to repot my truck and this was on XXXX so I set up to pay them through XXXX XXXX and they gave me all the numbers so I could do it by XXXX, so I went in on that day and put in the numbers they gave me and paid the money and then today XXXX I get another call stating they dont have the money and are going to take my vehicle once again, but on the XXXX XXXX side it says it went through and all the numbers are the same.

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 2021-03-15
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a Way2Go MasterCard from TN UI, I have a {$9500.00} balance that they will not allow me access since XX/XX/XXXX. 
Card issued in TN, I have traveled to Nevada for dads funeral, they say I had to report my travel with TN UI,, even though the card policy info does not state that, I did. They have admittedly stated they made mistakes by XXXX on XX/XX/XXXX not entering correct info fir whitelisting me causing another 24 hour delay. Theyve had me try online, cash app, bank teller, atm etc.. nothing works. 
I am desperate for help and dont know where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018 I made a deposit of {$120000.00} from my attorney with an attorney trust account check. On XX/XX/2018 I was charged ( 3 ) {$36.00} NSF fees even though my account was not overdrawn. I believe that since PNC held funds availability on this deposit, it caused items to be uncollectible. The funds were ultimately released and the deposit cleared with no issue. No sure why I was charged three fees when I did not overdraw my account NSF or uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-01-14
Company: LEXISNEXIS
State: OH
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:
Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and XXXX XXXX, XXXX, XXXX and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: AL
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 requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to secure a home. I saw a few accounts on my profile that i have no idea about.I did not authorize them. I reach out to the credit bureaus XXXX  equifax and XXXX  regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My credit report has dropped from XX/XX/2023 from XXXX to XXXX XX/XX/2023 without a balance and the only change was hard inquiries dropping off. In XXXX of 2023 my credit report showed XXXX. I'm a XXXX women XXXX XXXX of age with XXXX. XXXX XXXX, XXXX, XXXX has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

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 2019-05-25
Company: LEADER ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company : Leader One Financial [ Mortgage Company ] Location : XXXX, Texas On Tuesday, XX/XX/2019, I received an email from XXXX XXXX asking if I found a home in the XXXX, Texas XXXX over the weekend. I informed XXXX that I found a home and that I am currently under contract at this time. XXXX called my realtor and got into an argument with her, because he felt that she should have provided him with the information about the terms of the loan and that she ( realtor ) should convince me give him the opportunity to match/beat the loan. XXXX began to argue with the realtor and when things did not go his way, he hung the phone up on her. I ( consumer ) received an email from XXXX asking for the opportunity to beat the loan. My realtor notified me about the incident that took place between XXXX and her ; which made me upset and I did not want to do business with this firm anymore. 

On Wednesday, XX/XX/2019, I received a call from XXXX XXXX ( employee at Leader One )  about the incident. XXXX XXXX tried to persuade me to provide him with the information about the loan, which I did not have that information in my possession at that time due to being busy with other events. XXXX suggested that I find that information and provide it to him, so that he could match the deal. After our call, I received a second call from XXXX XXXX on the same day regarding this information, however, his tone was abrasive, aggressive and demanding. XXXX XXXX began screaming and yelling at me, because I had not provided him with the information that he requested two hours prior. He kept screaming : you have not gave us the opportunity to match the loan. I had not raised my voice at XXXX XXXX at anytime ; but he felt that he could use his position, XXXX ( male ), ethnicity ( XXXX American ) and age to intimidate me. I was not moved and was firm about my decision. XXXX XXXX tried to use reverse psychology on me, which did not work since I have a degree in this field of study and I informed him of this matter. XXXX XXXX began to yell : I am done with you. I have done everything to try to help you. I am done with you. I explained to XXXX XXXX that he has done nothing for me and that I have done everything on my own to get myself into position to receive a mortgage. 

After our conversation, I contacted the corporate office and spoke to XXXX ( I did not get his last name ) about the incident. XXXX listened to my concerns, but seemed to take stand in position with his staff and justify their behavior. Although he informed me that he would speak to his staff about this matter, I was not convinced that he took this matter seriously. For all of the reason stated above, I am filing this complaint to notify government officials about this matter and stop this from happening to anyone trying to obtain a mortgage loan from this firm.

Company response to consumer: Closed with non-monetary relief