BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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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 2018-08-31
Company: Flatonia Investments, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I bought my house in XXXX of 2018. It was an FHA XXXX. I paid XXXX for the house and was given XXXX in seller assist. Total of XXXX. My mortgage person, XXXX XXXX, referred a contractor for the renovations. JC construction that charged me XXXX. My mortgage should be for XXXX but it is XXXX.When I asked him at closing about the difference he said that XXXX XXXX ( the XXXX lender ) adds a percentage to the contractors estimate just in case it is needed. I later find out that it was only 15 % of the XXXX. I was also told by XXXX XXXX that my loan didn't close as an FHA mortgage even though I had to do an FHA XXXX because of the condition of the house. I have reached out to XXXX many times. I finally got a call back after I called his office manager XXXX. Then I got XXXX 's assistant who had no idea what was going on. {$9000.00} is a lot of money over 30 years and I'd appreciate some help in getting me these answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
XX/XX/2022 XXXX XXXX  was dated on my credit report that I am not aware of. I did not give authorize and I did not give permission to anybody to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I did not give permission for my credit report to be pulled. Please remove all of the following hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-12
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I leased a car from GM financial in XXXX and returned it in 3 years in XX/XX/XXXX. There has been a disposition fee ( apparently if you do not extend or lease another car from GM the company charges you {$390.00}. I asked my dealership if I owe any money and he No. I went home thinking I am complete with this lease. Recently, I received one or two call and one email from GM to call them back. I replied to that email and inquired about the matter. Also called them and was not able to address the case. Now I see that they have put charge-off on my credit report and when I called the customer service they let me know they have been sending letters to my old address and I am not sure why GM did not email that letter? I requested to remove this charge-off and I will pay the remaining Ballance and the person I talked to said that is not something they would do.

I was planning to lease a car from GM in the past month and I don't think I have the faith in the company anymore. I am disappointed and I this has impacted my credit score a great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
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 APPRECIATE your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2021.

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 2019-01-20
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company continues to put false information on my credit report. I have a letter and emails from the Apartment Manager saying I dont owe that and also a email agreement to be let out of lease also pictures of the apartment cleaned carpet and all. I have work orders from the 2nd day of moving in complaining about the bathroom floor leaking etc I have 30 work orders that I saved also witness from the last 2 previous tenants saying they had the same issues and were charged for it when they moved out. I will take this company to court this is not right and As of this moment I am getting all the information from the judge etc pictures and all I even have live videos of the place and the neighbors as witness of how the place was cleaned and the carpet company as a witness they cleaned the carpets spotless yet I'm being charged for carpet even after I asked for an exit walk through and they refused to do so that's why I took pictures and live videos and only spoke through emails so I can have it because they never fixed anything and I knew they would scam me that's why I had the health inspectors out there. Please show me the proof of what's owed or what was not cleaned because I have the live videos and pictures and emails from the manager saying I didnt owe I have all that stuff the clerck of the courts advised me to do so this is so wrong and it's a crime to falsely bill someone XXXX for what a floor that was already messed up I have the work orders that I put in from even the 2nd day even the previous tenants has work orders that they had put I for the same floor when they lived there we could of fell through yet they want to charge for wood they should of replaced a long time ago this is wrong so guess what I am filing charges and they tell me they no longer owe this account so I will go after this company for falsifying information I took all this to the court house when. We went to court I took the complex to court so the ongoing issue is already known that's why the health inspector came out this is wrong so I am suing. This is fraud and is against the law to charge or place something on someones credit that they dont owe especially with a signed letter from the leasing manager saying I dont owe it. I am pressing charges.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Global Lending Services LLC
State: LA
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:
Subject : Request for Verification or Removal of Inaccurate Information on Credit report I hope this letter finds you well. I am writing to bring your attention to inaccurate information that I have discovered on my credit report. I kindly request your assistance in verifying the accuracy of the said information or removing it from my credit report. 

I recently obtained a copy of my credit report from your bureau and was disappointed to find discrepancies that are negatively impacting my creditworthiness. The following information is incorrect : 1. [ Specify the inaccurate information, such as incorrect account details, dates, balances, or payment history. ] I believe that this inaccurate information has the potential to harm my creditworthiness and impair my ability to obtain credit, secure loans, or receive favorable interest rates. As a responsible consumer, I feel it is my duty to address and rectify this matter promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you initiate an investigation into the disputed items mentioned above. During this investigation, I request that you contact the relevant data furnishers and verify the accuracy of the reported information. Please provide me with a written report of the investigation 's findings within the statutory period of 30 days. 

If, after your investigation, you find that the information is indeed inaccurate or can not be verified, I request that you promptly remove it from my credit report. Additionally, I kindly request that you provide me with an updated and corrected copy of my credit report reflecting the necessary changes. 

Enclosed with this letter, please find copies of the relevant documents supporting my claim. These include copies of statements, receipts, or any other evidence that substantiates my dispute. I understand that providing this evidence is not mandatory, but I believe it will assist in resolving this matter more efficiently. 

I would also like to request that you notify all entities that have received my credit report within the past six months about the inaccurate information and provide them with the corrected version of my credit report. 

I appreciate your attention to this matter and your prompt action in resolving the dispute. Please provide me with a written confirmation upon receipt of this letter. Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were TransUnion and XXXX. Now XXXX  states as of XX/XX/XXXX there was no data to be reported but Transunion stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that XXXX   and Transunion did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the account.

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 2023-08-07
Company: Block, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have attempted several times to close my cash app account. Several times my account has been hacked and cash app refuse to refund my money after I disputed charges. When I try to close my account cash app says that the information I'm giving them to close my account doesn't match their records. I have given them all the correct information and yet they still refuse to close my cash app account. There is a XXXX cent balance which one of their requirements is to waive that XXXX cents and allow them to close the account by waiving the XXXX cents account balance. I have waived the account balance which means they can keep the XXXX cents. I just want my account closed and they still refuse to close my account. This has been going on since XXXX of 2023. I just want them to close my account I do not use the card. As a consumer when someone has hacked my card and taking money from me they've refused to protect me as a customer from hackers and give me back the money that was stolen. So I will no longer ever use their service again. I just want my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NE
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2020-11-06
Company: Franklin Credit Management Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I entered into a repayment agreement with Franklin Credit Management Corp about XX/XX/XXXX. Which I agreed to send the company a lump sum payment of {$8000.00} to be received by mid XXXX XXXX, to bring my delinquency current. After receipt of this lump sum payment, I was to resume regular monthly payments of {$270.00}. To honor this agreement I acquired a personal loan for the amount of the lump sum payment ( resulting in a monthly payment of {$230.00} ) and forwarded the payment to the mortgage company. Unfortunately, my lumpsum payment reached Franklin XXXX day past the payment deadline. Because the payment arrived XXXX day late, another {$4000.00} in fees was added to the original {$8000.00} requirement. The company accepted the {$8000.00}. And I agreed to a new monthly payment amount of {$540.00} for the following XXXX months to satisfy the {$4000.00} in new fees, and to bring my delinquency current. Unfortunately, COVID happened, which left me unable to maintain the $ XXXX  monthly payment. I explained the circumstance to the mortgage company, but they are unwilling to help find a resolution. As a result, an initial second mortgage monthly payment debt of {$270.00}. Resulted in a new payment of {$770.00} XXXX {$540.00} payment to Franklin plus {$230.00} payment for the personal loan ). Which leaves me in a worse financial position than i began. I was forced into making an irrational financial decision in a desperate attempt to save my home. I need help. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: URS Holding, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. 
I was mislead by a deceptive practice into the purchase of a new vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: DISCOVER BANK
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, I discovered that several thousand dollars ' worth of charges had been made on my Discover debit card. I reported them. On XX/XX/2019, I received a call from Discover dispute investigations who asked me a few questions and told me I should file a police report. I asked for the information they had and a supervisor named XXXX told me he would send me all of the documents. I never received any documents at all. On XX/XX/2019, Discover decided that the charges were valid even though it is impossible that I made them. I asked for proof and they can't provide me with any proof or documents. The burden is on them to prove that I made these charges and they will not show me what they are using to justify the decision that I made them ( most likely because there is no evidence ). Now my account is overdrawn and I can not pay my bills or book necessary business travel because of this. The Deposit Agreement says I have zero liability for fraud.

Company response to consumer: Closed with explanation