BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: General Motors Financial Company, Inc.
State: GA
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:
GM Financial reported to credit agencies that I was late on my final payment of {$540.00} for lease account # XXXX. 

I did not fail to make these payments. The DEALER failed to make these payments. Please see the attached default letter in which the sales manager at XXXX XXXX XXXX XXXX XXXX writes : Please recognize this default letter as an effort to correct or remove any delinquent information on account number : XXXX, Mr. XXXX XXXX. 

Mr. XXXX grounded his lease in XXXX, fully understanding he would not be responsible for his last two payments in the amount of {$540.00}. He turned in his lease vehicle on the XXXX of XX/XX/2021. 

I failed to process the necessary documents through our accounting department, which caused the delay in paying off the lease. Attached you will find a copy of the payoff check that has been sent to settle the account. Please contact me in the event there is additional information needed to correct this account. 

My efforts to resolve this directly with GM Financial failed. Ten phone calls over a three-month period led me to an " accounts '' department that was reportedly obligated to respond to my written compliant within 30 days. They did not respond within 30 days. Therefore I am escalating my complaint with the CFPB. 

When XXXX customers are in the process of leasing a new vehicle, the dealer and GM Financial present a united front. That united front should continue even when the dealer makes a mistake like this.

Because I assumed as much, my credit score dropped from " Very Good '' to " Fair ''. I feel penalized for having faith in GM Financial 's business processes. They need to make this right and rescind the information they provided to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: MD
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 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 deleted due to inaccurate reporting in my file. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: DISCOVER BANK
State: GA
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:
Discover notified me last year that it had discovered fraudulent activity on my card, although it did not tell me how or where my card was used. I checked my bill and noticed a {$95.00} charge at a local XXXX from XX/XX/2018. I did not make that charge, I did not lend my card to anyone and had not lost my card. So I disputed the charge. Discover issued a credit and the incident went out of my mind. 

I received a replacement card, which I barely used, and then lost. I immediately requested a replacement which I received this week. I also noticed a {$95.00} charge on my account which had no detail, which I could not dispute, and which I did not recognize. I contacted Discover immediately. I received exceedingly poor customer service but no explanation so asked for someone to contact me. 

Today, I received a letter stating that the charge was deemed valid, which it is not. I also did not receive any inquiry from Discover about what happened. Evidently, Discover took the last many months to conduct a one-sided review in which it contacted the merchant which provided the date and time of the transaction, but no other information- no purported signature or other way of validating my identity. 

Discover did provide the date and time of the transaction- a date and time when I was at work, 20 miles away at work in a meeting, according to my work schedule. And this was for more than 30 gallons of unleaded gas. My gas tank is holds less than 14 gallon, and I use premium, not unleaded gas. This is not my transaction. But Discover has taken months to render a decision against me ( and remember, Discover identified me to me as a potential victim of fraud right around this time ) and has not provided anyone for me to speak with to provide my evidence refuting this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Nelnet, Inc.
State: ID
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:
XXXX credit report i am XXXX and received a XXXX  ( XXXX XXXX XXXXXXXX XXXX ) discharge of my federal student loans in XX/XX/XXXX. all of the loans on XXXX and XXXX are listed as paid and closed ; but there are a number of these same loans on my XXXX report that are listed as paid and closed, but there are also a number of them that have there status listed as UNKNOWN and are affecting my credit report. 

The loans are : 5 XXXX  XXXX XXXX with the account numbers starting with XXXX 1 XXXX with the account number XXXX 11 XXXX with the account numbers starting with XXXX these loans were paid off along with the other school loans that are listed as paid by NELNET on my report. i would like them corrected to reflect the same information and status as the other loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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:
My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I I have a {$2100.00} check and it Chase account that they cook for me to check said they were 16 days in the account still open but it's locked and then won't give me my money I can't open no bank accounts because I have a general delivery address there discriminated against me cuz I have no residential address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MA
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:
Weltman has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that Weltman/XXXX is trying to collect and I dispute its validity. Weltman/XXXX XXXX ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due - according to their documentation the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and Weltman has engaged in unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging their Accuracy and Integrity but with no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

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 2023-09-17
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nationality recovery XXXX ( XXXX ) XXXX That company has the same debt as another company, that is, there is only one debt collected by 2 companies.

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 2023-08-16
Company: LAND HOME FINANCIAL SERVICES
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I was experiencing financial distress 1 year after acquiring my home through land home financials. I called to request a short term forbearance on my loan but they told me I have to submit it through a process call loss mitigation. I originally submitted the required paperwork in XX/XX/XXXX, they did not accept my application until XX/XX/XXXX, which is when I made my XXXX late payment. I called them several times weekly or every few days to get an update, first I was told it was under review and could take 60 days. It wasnt until XX/XX/XXXX when I got a packet in the mail stating I made them aware that I was able to resume payments and my next payment is due XX/XX/XXXX, my past due balance was pushed at the end of my loan and this was a partial claim. My other option was to short sale my home. Under no circumstances I made anyone aware that I could resume payment. I also have multiple late payments reported to my credit report which is significantly impacting my ability to obtain credit or improve my finances. If forbearance was granted, I have no documentation and if so, I shouldnt have late payments reported to the bureaus. The entire point of reaching out for assistance was to avoid all the negative impacts this could bring upon my family finances. I am a XXXX  mom  with XXXX kids, and struggling to find a second job because of childcare issues. Please help at least with the negative reporting as my account should have been under forbearance for 6 months not under review for 6 months. Thank you

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 2023-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Accounts were opened without my consent. They dont have a signature card for all the accounts I had with Wells Fargo XXXX When I went to ask why I had more accounts they said it was a promotion. I never wanted all the accounts.

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 2023-10-30
Company: FC HoldCo LLC
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:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX ( XXXX ) XXXX XX/XX/2023 Dear CFPB, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : FLAGSHIP CREDIT ACCEPTANCE Account : XXXX Amount : {$25000.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

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 2022-11-19
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Synchrony Bank 0 % promotional advertising for their Ashley Furniture XXXX  is deceptive. I have 2 different purchase dates with 0 % interest for the same promotional end date and Synchrony is supposed to apply payments to the oldest balance ( since the rate is the same and the promotional end date is the same ) but they have been applying my payments to the newest balance ( making the difference in accrued interest at the end of the promotional period nearly {$200.00} more if I only pay off 1 before the promotional end date. How many people are they doing this deceptive and illegal practice to? I chatted with a live representative who said it doesnt matter if they are both paid off by the promotional date. People can not always make that happen so it looks like they are trying to keep the payments going to the newest purchase so the oldest purchase has a lot more in deferred interest if it happens to not be paid by the promotional end date. This is wrong and deceptive.

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Filed numerous complaints and disputes with XXXX  and transunion  also XXXX  and showed proof of inaccurate reporting on my credit with no results will attach all info

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 2019-01-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a struggling widow I refinanced my home in XXXX w a gentleman that has passed away he helped w our mortgage I am a nurse by trade I was working with private clients but one passed away in XXXX the other decided to go a different direction XXXX XXXX put me on a forbearance which we paid in XX/XX/XXXX we did permanent loan mod 5.1 never late on payments w them they screwed up on the escrow and we were hurt w the hurricane last year it is a XXXX XXXX loan we got traded to sls forced into home insurance w no help from them Except what they say is 2 periods of forebearance! Ending XX/XX/XXXX we have been scammed before by mortgage relief. We have no family but my daughter is ill we recently got a bill from them stated they conducted a property assessment no one was out here? We have tried mortgage relief companies before but got scammed too. XXXX XXXX XXXX XXXX Was extremely nasty and said our house was in florclosure wheh they didn't check on this they aren't aren't lawyers but the gentleman sent nasty texts to my daughter saying she wasn't smart. Sls will not help us and reported us delinquent we have no family nothing

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 2022-11-20
Company: SYNCHRONY FINANCIAL
State: TX
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 reached out to both the creditor and credit bureaus multiple times and I get no response from neither one.

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 2019-01-26
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: Information belongs to someone else

Complaint:
I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and Equifax have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. Equifax had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Its not a complaint but needed to get this updated and there was no link to do so, can u please update the info that I have a credit card now XXXX XXXX XXXX ending in XXXX issued from XXXX XXXX. This will help my score so please boost it thanks XXXX XXXX User 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 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have contacted XXXX XXXX XXXX as well as Transunion Credit Reporting about a XXXX XXXX XXXX that I closed in XXXX of 2018. For some reason, on TRANSUNION ONLY ( out of all 3 credit bureaus ) Transunion is reporting that I have 3 XXXX XXXX XXXX Accounts. TWO OF THOSE supposed " credit card accounts '' have the EXACT SAME ACCOUNT NUMBERS. One of those accounts, shows that the balance is paid in full and closed. The SECOND CREDIT CARD ACCOUNT, AGAIN WITH THE SAME EXACT CREDIT CARD NUMBER IS SHOWING AND CONTINUES TO SHOW THAT I HAVE AN OUTSTANDING BALANCE OF {$6800.00}. WHICH IS A TOTALLY FALSE STATEMENT. 

Despite my making disputes with both XXXX and TRANSUNION, as of TODAY, this still shows as an open debt of {$6800.00}. and it is showing that I am continuing to use 159 % of the available credit to me. HOW DOES THIS CONTINUE TO GO ON? IT HAS BEEN 6 MONTHS OF XXXX. I CAN NOT REFINANCE MY MORTGAGE. I AM FULLY PREPARED TO SUE BOTH XXXX XXXX AND TRANSUNION IF NECESSARY.

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 2019-01-26
Company: EQUIFAX, INC.
State: MN
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:
My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification.  And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XXXX ) ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX  ( XXXX ) 11 ) XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief