BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: General Motors Financial Company, 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:
Hope you are well.

We have had a GM loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with GM again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to GM and we owe {$0.00}. I expected GM to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist? 

Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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:
I have contacted the 3 main credit reporting agencies with failed attempts for action. I want to remove personal information that I donot want on my credit report. The information is no longer accurate. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people.

In addition,15 U.S. Code 1681s2 states that the responsibilities of furnishers of information to consumer reporting agencies. 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. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: John C. Heath, Attorney at Law, PLLC
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: Investigation took more than 30 days

Complaint:
I have several loans that i borrowed back in XXXX while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: MS
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 right to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violating my rights. 

( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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 information incorrect

Complaint:
I am filing this report due to a critical concern regarding my FICO score. On XX/XX/XXXX my FICO score had an XXXX point drop from XXXX to XXXX. This drop occurred within a XXXX hour span, which was a shock to me. As a diligent consumer I checked my credit report and contacted Equifax regarding this drop but neither had any reasoning for the drop nor was there any negative reporting. Additionally, there was no activity that would cause such a drop. 

On XX/XX/XXXX, my credit score at the three credit agencies was above 844 with the score at Equifax specifically at XXXX since XX/XX/XXXX. On XX/XX/XXXX my score dropped XXXX points. There was no negative information on my credit report. No late payments, no delinquencies, no inquiries, no collections, nothing out of the ordinary. I called both Equifax and FICO. Customer service representatives at both organizations could not find out why the scores had dropped. They informed me that there was no evidence of delinquency, bankruptcy, foreclosures, or any of the factors that would consequently garner such a significant drop. 

My credit report says I have Few accounts paid on time and Accounts with balances. These statements are all inaccurate. I have a XXXX  % usage indicated on my credit report, with no late payments indicated. As I mentioned before, nothing had changed in the way I used my credit, and no negative information was reported. When I inquired to both the Equifax and XXXX customer service representatives regarding the negative remark, they were unfamiliar with this remark and could not find more information on why it was present in my report. The representatives were not able to find anything that warranted a score decrease on my report. 

I urge you to consider the seriousness of this matter. Over a XXXX span of building my immaculate credit, this significant drop can be catastrophic and can be a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
TO WHOM THIS MAY CONCERN I SEE WHERE MY PERSONAL INFORMATION WAS USE FOR CREDIT AND CAR LOAN THAT I DID NOT DO I HAVE PROOF I WAS LOCK UP AND MY IDENTITY WAS STOLEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have previously disputed this matter and had no success in getting TRANSUNION to report maximum accuracy on my report. I need your help and holding TRANSUNION accountable for not reporting information on my report accurately.I am writing to dispute the accuracy of the information present on my credit report with TRANSUNION specifically regarding my auto loan account XXXX associated with XXXX XXXX XXXX XXXX. I would like to draw attention to substantial inaccuracies within my credit report under your agencys management. These inaccuracies, specifically concerning the account payment history, erroneous status descriptions, conflicting date reporting, and missing data, flagrantly violate critical sections of the Fair Credit Reporting Act ( FCRA ), notably Sections 1681e ( b ), 1681s2, 1681c, and 1681o. PAYMENTS PAST DUE, contradictory to the actual payment history, stands in direct violation of this provision, further compounded by the absence of crucial account activity data.

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 2023-10-25
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I can not reach Mohela customer service to discuss loan programs available to me. I have been on hold for more than XXXX minutes XXXX times and hung up in frustration. 

Mohela needs address my questions before too long. 

NEED HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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:
I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
Company: WELLS FARGO & COMPANY
State: TX
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:
I have Wells Fargo business checking account for around 5 years. It has a requirement of {$500.00} minimum balance. Wells Fargo charged me {$10.00} standard monthly fees even when the average ledger balance was {$500.00}. 
I called Wells Fargo today morning but the representative refused to waive off this {$10.00} fees.

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 monetary relief
Consumer complaint received 2023-12-18
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I requested a loan to purchase a home with in two day 's I was called and told that it had been denied. It states excessive obligations in relation to income. I have a car payment ; I've paid off all credit cards and my credit score as of XX/XX/XXXX is XXXX. 

Navy Federal Credit Union I've dealt with since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
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: Credit inquiries on your report that you don't recognize

Complaint:
We contacted Transunion LLC on XX/XX/XXXX to have inaccurate information that is publicly reported to be removed. They could not assist me with the issue and the Fair Reporting Act states that any inaccurate/unauthorized information reporting has to be removed. The inaccurate and unauthorized information are two inquiries on the account from " XXXX XXXX XXXX  '', on XX/XX/XXXX and " XXXX XXXX '', on 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 explanation
Consumer complaint received 2021-02-11
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I became aware that I was the victim of identity theft. I received an alert from XXXX that my credit score went significantly down. Around this time, I received two collection notices in the mail from National Credit Systems Inc. One was for an unpaid apartment rental in Michigan ( XXXX XXXX XXXX ) for {$4900.00} and the other was for a related security deposit company, Sure Deposit, for {$750.00}. After looking into it, I found out that someone had been renting an apartment using my personal information including name, date of birth, and social security number. Both of these collections appeared on my credit report. I later found out that my personal information was compromised as a result of the XXXX XXXX Data Breach. 

I originally tried twice to dispute the collections through XXXX and their fraud department, and each dispute was denied. I then placed a fraud alert on my credit. I have also frozen all of my credit profiles through XXXX, XXXX, and XXXX XXXX. I then filed an identity theft report with the FTC. The FTC provided me with a list of steps I needed to then take which I completed, including filing a police report. 

I filed the police report in XXXX of XXXX when I was told by National Credit Systems Inc. that I needed one. Also in XXXX I submitted the following documents to National Credit Systems Inc : my police report, FTC report, two years worth of leases proving my actual residency ( not in Michigan ), a picture of my drivers license, an affidavit packet and a Notice to Furnishers of Information. I followed up by calling them in XXXX and they said that they investigated the situation but my dispute was once again denied because my information matched the information that the false renter had provided on her rental application. I have contacted the collection agency and the apartment complex multiple times and neither have provided me with any options on how to move forward and resolve the issue. A few weeks ago, I gathered all my documentation and then mailed them to both XXXX and XXXX in order for them to reach out to National Credit Systems Inc. to resolve the issue and remove the collections from my credit report. This included a cover letter, police report, updated FTC report, copy of my drivers license, copies of the collection notices, and a copy of 605B of the Fair Credit Reporting Act. I recently received my dispute results from XXXX, and it has been denied once again, even though I have provided the proper documentation multiple times to both the credit bureaus and the collection agency. National Credit Systems Inc. has been very uncooperative in resolving this issue and I am requesting your assistance in helping to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and the listed on my credit report XXXX XXXX XXXX Balance : {$0.00}

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 2021-07-19
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
On XX/XX/2021, I chatting with American Express, chat ID XXXX to close my XXXX XXXX XXXX card ending in XXXX. I confirmed with XXXX, the representative, many times that I was canceling this card and I agreed to the disclosure he sent which clearly stated XXXX XXXX XXXX card ending in XXXX. Minutes later, I received a cancellation email and to my surprise, XXXX canceled the wrong card. He canceled my XXXXXXXX XXXX card ending in XXXX which I opened 2 months ago. I chated again, Chat ID XXXX, this time with XXXX, he submitted a request to re-open my XXXX XXXX Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 mailed multiple letter to transunion and XXXX to dispute multiple hard inquiries on my report dating back to XX/XX/2022 from multiple car dealerships I did not authorize or give permission for any of those dealerships to run my credit. I have called every month since XXXXXXXX XXXX XXXX  and both credit bureaus have not tooken action. I have also contacted those dealerships and companies to report what was happening and now as of todays date XXXX nothing has been removed from my credit report so I am filing a complaint

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