BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: OneMain Finance Corporation
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 was looking at my credit report and seen that I didnt approve nobody check credit and I havent been on website. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont have a amount but its showing in my hard inquiries. Company name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: MI
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:
CFPB complaints XXXX and XXXX were filed on XXXX XX/XX/2021 against Equifax for failing to re/investigate inaccuare/unverifiable information furnished by XXXX XXXX XXXX. Equfax responded on XXXX XX/XX/2021 claiming an investigation had been conducted and results had been mailed. 

Unless Equifax examined the documentation supplied and REMOVED the inaccurate/unverifiable information, it is unlikely an investigation was actually conducted. 

The offending information has been persistent on my credit report for over one ( 1 ) year with Equifax claiming its validity simply because the data furnisher reported it through eOSCAR.

It is quite clear from the attached documentation the information reported by Equifax, and furnished by XXXX XXXX is invalid and patently unverifiable given the errors perpetuated by XXXX billing and paymenr reporting system ( s ). 

XXXX 's failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules has hindered my ability to borrow from the XXXX XXXX XXXX XXXX ( XXXX ) which is needed to finish my XXXX XXXX. The cited issue by XXXX IS the invalid/unverifiable information on my Equifax credit report for the XXXX XXXX accounts . 

By furnishing the invalid informaton to potential credit grantors, Equifax is now a party to impeding completion of my education program and is now affecting my future employment opportunities because it is knowingly and willfully reporting information that is patently invalid/inaccuarte and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2020-09-30
Company: General Motors Financial Company, Inc.
State: DC
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:
General Motors Leasing Company reported derogatory information on my credit report to the following bureaus : XXXX, XXXX, and XXXX. The information reported was late-payment for the month of XXXX. Ms. XXXX, the consumer, experienced a hardship due to an erroneous mistake from the IRS in the month of XXXX, whereas, the consumer 's account was locked by the XXXX XXXX XXXX XXXX XXXX : in this case, payment was not able to be processed. For the month of XXXX, the consumer requested a deferment due to the Pandemic and hardship faced. In the month of XXXX, the consumer did her best to make a payment, at which, GM allocated that payment for the month of XXXX. The consumer returned to work during at 40 % on Phase II on XX/XX/2020. GM reported that payment 30-days late ; after knowing, the current situation-at-hand dealing with the Pandemic and tough financial decision. The consumer has leased two cars from GM and has never been late! This is the first-time! The consumer was able to re-finance the car with her credit union at a lower-rate ; and, the balance owed on the account was paid-in-full on XXXX, XXXX. GM never considered the consumer 's financial-hardship for the month of XXXX, and, refused to take into consideration, the consumer 's commitment in leasing two-cars for the past six-years ; and has never been late! The consumer 's FICO score was decreased by 100-points! In addition, the consumer takes her credit-score very seriously ; and has been on-point with paying on time for the past three-years. Having this derogatory information removed with fairness and non-judgemental, will allowed the consumer to feel secure knowing, that GM has the consumer 's best interest at heart and, that her secret-clearance will not be severed by GM 's determination to not attempting to remove negative information on my credit-report during a hardship and devastating time due to the COVid-19 Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Requested opt out... 
XX/XX/2023 Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX XXXX I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,

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 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
An incorrect address is being reported on my credit profile which is linked to fraud. My identity has been stolen from this address. I do not live at this address XXXX XXXX XXXX XXXX, XXXX IL 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 2023-07-07
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 2023-07-29
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, XXXX XXXX and natural person, was denied credit by AmeriCredit when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX ) of whom I am the Executor of the Estate/Trust of ( XXXX XXXX ) through a SS-4 presented form the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction..

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also, they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit. They also colluded with the dealership to get me to make a down payment when its a consumer CREDIT transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by AmeriCredit due to the response I received.

AmeriCredit is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AmeriCredit 15 U.S.C 1602 ( p ).

If AmeriCredit fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make AmeriCredit criminally and civilly liable for all actual damages pursuant to 15 USC 1691 ( g ) ( h ) where as a pattern or practice of discouraging or denying applications for credit in violation of section 1691 ( a ) ( c ), 12 CFR 1002.7 ( a ) & 15 U.S.C 1681 ( n ), 15 U.S.C 1681 ( o ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX got laid off due to COVID 19.Reached out Servicing N Servicing Corp which is mortgage company and applied for COVID Hardship for mortgage. I filed for unemployment it took 4 mths before I received my unemployment. A month later did follow up with mortgage con they stated due to so many people being effect it might take up 2 mths before I get an answer. In XXXX that sent me a letter that I approved for 3 months deferment and then when XX/XX/XXXX I would have to pay those 3 months but from my understanding I thought the 3 months were to be added at the back end of my mortgage.Since then XXXX approved to help me they paid 1 month mortgage of {$840.00} which they just received on XXXX XXXX. Since then I contacted them and have made 3 payments and she informed that they went on my Mortgage XX/XX/XXXX and we still in Covid 19. But every statement they sent me says to pay {$840.00} until XX/XX/XXXX the new mortgage payment is {$1300.00}. I do have documentation to back up. I also applied for loan modification which was denied on XX/XX/XXXX. I spoke with XXXX XXXX XXXX which is my mortgage specialist last week even though I have making payments of {$870.00} she still say I owe {$1300.00} While i waiting to hear back from them I made a payment of {$500.00} on XX/XX/XXXX, XX/XX/XXXX $ XXXX {$850.00}, XXXX sent ck XX/XX/XXXX {$840.00}. I'm still unemployed  and I don't understand how they went up on my mortgage $ XXXXI 've attached documents. Please help.Sent Maryland Executive order from XXXX XXXX to them just as well .I have been in my home for 25 years and wish to keep my home for me and my family. THank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NY
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account in 2014, used the account for about a year or so and then I wanted to close the account but I never received my money back. I received a letter from XXXX XXXX, state controller office stating I have unclaimed money setting in my account with Wells Fargo, provided all the documentation, process, I had a lady helped me but I never heard back. I changed my name now due to marriage. I told them that and provided the back up documents like marriage license but still did not get my money. I believe I have more than {$300.00} balance amount in my account that Wells Fargo took from me. I changed my name and address now. So I am using my current billing address.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-09
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Amazon has refunded several items to gift cards even though I requested that the refunds goto my store card. I was told that this could not be fixed and its a glitch in the system. Why does Amazon have no control over the Amazon store card?

Also, I returned another item today that was missing the item/it came as an empty box. 
It was bought with one of the " gift cards '' from a prior return, they again refused to refund the amount to my Store card. 
What game is Amazon playing? This forces you to buy again from Amazon. 
My intention is to buy very little from them as its often a disaster for a variety of reasons. 
I am very upset that the credits did not go back to my Store card as requested when I returned items. 
You have the option for your credit to go back to the original payment method, that did not happen. 
Its not my problem that Amazon has a glitch.

Also, I am paying interest on prior purchases as the gift card does not pay for interest.

Not okay! And no compensation was offered.

We will pay these items off and goodbye Amazon. We stopped using them for a while, it was a mistake to go back. Its worse than before, and customer service is not kind. 
Half the time I can not understand what they are saying. They need to hire people who speak clear english.

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