BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as current addresses. I do not notice these accounts and never applied for them. I then reached out to Transunion, XXXX, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!

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 2023-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following to updated or deleted in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy

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 2023-03-20
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened : XXXX/XXXX/XXXX  Balance : {$71.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: AZ
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:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$470.00} INQUIRY : 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 2021-07-09
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in 2010 I worked with Fannie Mae and they helped me do a mortgage workout with XXXX XXXX XXXX.at XXXX %. Over the last few years they steadily raised my interest rate to XXXX % and sold my mortgage servicing to New Rez, LLC. I inquired with New Rez about refinancing the entire mortgage into a XXXX % 15 year mortgage over four months ago. I have supplied all of the necessary documentation and easily qualify with my income to debt ratio. Since that time they have continued to push for a 20 year mortgage at XXXX % which I do not want. Truthfully I should still be at 2 % and nearly paid off anyway since they borrow money at XXXX %. I need help getting a way to pay off my house early and a reasonable interest rate. I simply do not trust mortgage servicers based on my experience with XXXX. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: Albert Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I downloaded the Albert app about a year to try with a free trial. However when the free trial was over I did not want to continue using this service and cancelled the account. After I cancelled they charged my checking account {$14.00} for the subscription without permission. I have sent email after email stating I do not have an account with them nor do I want one and I have demanded over and over again that they stop charging my account. I have not received a response from them and even after all of this time they attempted to charge my account again today. While looking online trying to find a way to make them stop I have seen many people having the same problem with this company. I do not understand why nothing is being done to stop this business from stealing peoples money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo Bank refuses to accept responsibility for the unauthorized fraudulent transactions and charges illegal unauthorized fraudulent transactions and charges from XXXX. Wells Fargo Bank XXXX XXXX says that she would get all charges and fraudulent transactions illegal unauthorized fraudulent transactions and charges and provide me a reason for why the transactions were allowed without alerting me or flagging the accounts. She after 70 days has not accepted responsibility for the unauthorized fraudulent charges and fraudulent transactions and illegal unauthorized transactions and has not accepted responsibility or give me a refund or reason for the unauthorized fraudulent transactions and XXXX XXXX XXXX  and XXXX immediately accepted responsibility. DC police report XXXX was supplied to Wells Fargo Bank.

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 2023-08-15
Company: CarMax, Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This is in regards to Carmax financial. After making a payment online earlier in the day, they proceeded to call after XXXX regarding this without checking the pending payment. They woke my child and stated they can call anytime before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: IL
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 filing this complaint to request that Experian delete this unverified, old and obsolete bankruptcy, Reference # XXXX off my credit report. I have previously disputed this bankruptcy record with Experian and they have verified the item as accurate several times, stating that Experian had verified the information with the court. 

On XX/XX/2022, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois via certified letter. On XX/XX/2022, I received the attached letter response from the U.S. Bankruptcy Court.

According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my Experian report and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois. 

This unverified bankruptcy is apparently being reported by third party record provider XXXX XXXX without any validation or verification that the bankruptcy information is accurate.

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 2018-05-21
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX, I purchased a XXXX  Buick Regal that was financed through GM Financial. 
The following week, my dealership filed Chapter XXXX Bankruptcy ; hence this caused a delay to obtain the title to register my car. 
I began to speak to GM headquarters starting on XX/XX/XXXX ( XXXX XXXX ext. XXXX ), GM Headquarters said they couldnt assist because the dealership was locally owned and operated. 
XX/XX/XXXX I called GM Financial to check the status of my loan. I was told the funding manager would not fund the loan until the title was transferred and the taxes were paid. 
My loan included the taxes and all dealership funds were tied up in the bankruptcy, so the dealership was unable to pay the taxes. 
I personally never seen the title work but confirmed with my dealership they had it as of XX/XX/XXXX. 
When I began to work with the Missouri Attorney Generals office, I was put in touch with the dealerships floor financer ( XX/XX/XXXX ). 
XXXX was willing to pay the taxes and any warranties, to close my deal. 
On XX/XX/XXXX, I called GM Financial Funding dept. I spoke to XXXX and found that GM Financial returned my loan papers back to the dealership on XX/XX/XXXX and my loan was never completed in their system. 
On XX/XX/XXXX, ( I spoke to XXXX a funding manager ) I requested a letter for my records from GM financial to state the status of my loan and to be grandfathered into a new loan with another dealership and was told they would not send the letter and they would not be able to help with a new loan that it is handled by dealerships only. ( He referred me to XXXX XXXX XXXX ) Both XXXX and myself left separate messages for XXXX XXXX at GM Financial and I was not provided a call back. 
My complaint is that I was discriminated by GM Financial for my dealership filing bankruptcy. I have an almost perfect credit score and should not have any issues with obtaining a loan. I didnt file chapter XXXX bankruptcy so why was I denied the loan without notice. 
On XX/XX/XXXX, the dealership closed their doors as ordered by the Bankruptcy court according the Attorney Generals office.

The loan was originally for 0 % interest with a 72 month term. 
I was denied a discount for purchasing a new GM/Buick automobile for my troubles ( per the GM Headquarters speaking on behalf of the GM rep that covered my dealerships division ). 
GM Financial caused additional ciaos by not funding my loan since my taxes were rolled into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft from my consumer report.

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 2018-08-17
Company: EQUIFAX, INC.
State: TN
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 student loans at XXXX University were issued fraudently I was packed every 6 months instead of once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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:
The date of last activity reporting is inaccurate on this account it reports that the date of last activity is reporting : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX XXXX Experian ), and XX/XX/XXXX ( XXXX  ) which makes the debt to appear re-aged. On XX/XX/XXXX I wrote a letter to the bureaus in which they did not respond or delete the account for inaccuracy. I would also like to note that the account is not reporting a date of last payment on XXXX or Experian but a date of XX/XX/XXXX reports on 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 2022-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened up a checking account with Capital One Bank on XX/XX/2022, which they branded as Capital One 360. With the account I had with them, I kept getting hit with error messages on a frequent basis whenever I try to utilize some of my accounts features and I still get restricted on how I can utilize that account even after I sent them photos of my ID plenty of times, so that prompted me to transfer my funds from that account to other accounts I had at other banks and/or payment processors. On XX/XX/2022, I called them about their decision to close my account because of a security risk and one customer service agent told me there were 15 devices used to log into my account and she wouldnt describe to me as to what they were ; however I only used my laptop and mobile device ( app and website sometimes ) to log into my account and I also admit to linking 2 VOIP numbers to that account of mine so I could log into my account when they restricted my main mobile number for that same purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In 2006 I purchased a XXXX Ford Taurus from a local used car dealer. The contract was through XXXX XXXX XXXX for 72 months at XXXX per month. I had enrolled in a XXXX school to change careers so I needed the car. A short time later, I received a letter in the mail informing me that my loan had been sold to Santander of XXXX and that they needed me to sign a contract in order to keep my loan current. After I signed the paper it seemed that I was already late on my loan. I continued to make the payments until I had a hardship. I called Santander and asked if they would roll my payment over to the end of the loan. They were all too happy to help. I think I had to do this two other times as I was in school full time. When I got to the end of the contract I noticed that I owed something like XXXX at the maturity of the loan. I called Santaner to ask what the error was about, and I was informed that it was n't an error because they compound interest daily and since I was late from the beginning of the loan that I still owed the money. I paid the last payment ( 72 ) as per my contract with XXXX XXXX and considered the loan paid in full when I sent the last payment by check. After a few months a truck came to my door at XXXX XXXX and took my car that I had paid over XXXX for. At this point in time my wife was using the car to go to her Dr. appointments. Santander has stolen my car, took my money, and damaged my credit, and continues to put CO ( charge off ) on my credit report every month. I got advise from an attorney and the law firm I used said that Santander did nothing wrong. I contacted the Attorney General in Texas and I was informed that they would not speak to him because he was n't on my account. To this day Santander Consumer USA continues to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: BMW Financial Services NA, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  is now showing my payments to BMW Financial services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I had filed a CFPB complaint against MOHELA to respond to my employment verification forms that had been ignored for several months. On XX/XX/XXXX MOHELA applied some of my unanswered employment verification forms to my account, but there are still quite a few employment verifications that have not been applied to my account and it has been a week since they applied some but not all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2023-03-20
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX/ XXXX XXXX XXXX AND XXXX XXXX # XXXX, has violated my rights. 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 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt. Will be put on notice of a law suit that within my rights.

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