BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
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:
I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from XXXX XXXX XXXX. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XX/XX/XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: General Motors Financial Company, Inc.
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: Account status incorrect

Complaint:
I called XX/XX/XXXX GM Financial to make sure the payments and overages were being applied correctly to my account. The young man said they were and not to worry. GM Financials online dashboard was not working on two different browsers. I asked for the break down of principle and interest then pay off. He assured me the payment overages were being applied properly and split between XXXX XXXX XXXX. I checked my online account the next day and it showed a past due balance, when I was paid ahead. I called GM Financial asking where that came from and was originally told not to worry. It was a glitch in " XXXX '' their inhouse system. That on their end she could see that my account was current. A few days later it still showed past due, I called GM Financial asking what was going on and was then told an employee had made an unauthorized payment reversal for XXXX, XXXX That my account now had late fee 's and was past. I asked why and after being transferred to three different agents nobody could tell me who or why it was done. I was told " He was not authorized to do that, were working to fix it. I asked several times if this would hit my credit and informed them I was going to be making a purchase in XX/XX/XXXX that I put a non refundable deposit down. The agent told me it " absolutely would not be reported because I was not late, and they notated it on the account ''. I was told they didn't know why the agent reversed it, but it was fixed, not to worry. My future purchase would be safe. I paid off the remaining balance of the loan on time XX/XX/XXXX. In XX/XX/XXXX I was setting up financing on my previously named future purchase. We checked my credit and it shows GM Financial reported me 30+ days late XX/XX/XXXX. I called GM Financial and was told to hold on, and they hung up on me after opening my account ... Twice. The next day a GM Financial rep told me that she could see that someone had tried to check the payment leger and reversed the payment and tried to reapply it. She said he wasnt allowed to do that, and reapplied the payment he reversed on his own doing wrong. Sending my account into a fraudulent past due status. On the recoding i have she states " Its their " GM Financial 's '' fault and it should have been caught and fixed the previous times that I called. However there wasn't much they could do since it had hit my credit ( XXXX points ) Someone from GM Financial would call me to explain how to fix it but it would take 45 days and I would lose my cash deposit on my future purchase because they made unauthorized changes to my previous payment. Not much other than " Yes its our fault but not much we can do now '' phone call was recorded on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- XXXX XXXX XXXX XXXX XXXX XXXX  /Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX CT FL XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my XXXX XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have identified accounts on my credit that are results of identity thief. These accounts are not related to any transactions completed by me. I have read that I have rights to my information blocked and removed pursuant to 15USC 1681c-2. Please honor my request and removed these accounts for my credit reports 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 2023-01-11
Company: Experian Information Solutions Inc.
State: VA
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:
After requesting an investigation into a medical bill owed to XXXX XXXX XXXX in the amount of {$280.00} my reports have been verified and updated as of XX/XX/2023. Which is untruthful. I have not had an account with the agency or services listed as I have informed the credit bureaus XXXX XXXX. The information on file does not belong to me and the debt collector hasnt submitted documentation or validated the debt. Im requesting this item be removed from my credit file for XXXX XXXX that have not been rendered to me. As well as the new law advised under {$500.00} can not be reported.

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 2019-07-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested to great extent that Wells Fargo who is the servicer on this loan, allow me a work out plan that will be beneficial for all. I am only late four months with this mortgage. After 30 days of my request for a loan modification I received a letter from Well Fargo to say that my application was unsuccessful due to my income. However, at the same time of my request for a loan modification I was also in the process of selling my home at XXXX XXXX XXXX which, its mortgage was consider an expense in my household expenses. 
Just to familiarize you with my hardship, it all occurred during and after the market crashed. The rising cost related to subject property, tenants defaulting on the rent and must painful and horrific the loss of XXXX   XXXX. I am an XXXX. 
Not only did I lose my income, but I also lost my health.. All I could think about it was the devastation that this economy introduce to me. 
Unfortunally, after all the struggling in 2010, I was admitted to XXXX XXXX  in CT. under XXXX care due to circumstances beyond my control. This was a long unexpected journey. I was there for 3 years.. 
I have enclosed medical records to Wells Fargo. Have updated all kinds of documents concerning my financials to no success. 
All I am asking is for Wells Fargo to give me the chance of giving me a lower Trial payment. This is what I can do for the moment. {$5.00}, XXXX. 

Please I want to keep my home. 
I am now competent to make financial decisions and handle my financial affairs. I am determined to maintain my financial current I am also confident that I'm able to afford payment based on my wife 's and my present income. 
Please I need to lower my rate, and extent my terms of the loan and adjust my principal. Refinancing is not an option at the moment. The subject is under water. ( See appraisal ). 
Kindly confirm receipt of this request and advice as to the next step.

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 2020-03-30
Company: EOS 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: Their investigation did not fix an error on your report

Complaint:
I I contacted EOS CCA ( Debt Collection Agency ) concerning a past due account to inform them that I ( XXXX XXXX ) was ready and willing to pay my past due amount in a payment plan. The account that I had with them was in collections and I wanted to pay the FULL balance due. I talked to the representative and told her that I would like to pay the FULL AMOUNT so that I could have this removed from my credit after paying. She informed me ( without me asking ) that I do not have to pay the full amount just a percentage and that would settle my debt in FULL. AND I FIRMLY told her NO I rather do a payment plan to ensure that this collection is removed from my credit! But she insisted and stated that no its ok Im repairing my credit as well, and I will have this removed from your credit report. And I told her are you sure because I dont want to have any problems once I pay this. She then stated hold on let me get my supervisor on the line and the supervisor got on the line and stated and I quote yes, Mr. XXXX once you pay the agreed amount we will have this removed from your credit. I said ok now bc I dont mind paying it in FULL so that it could be off my credit. He then stated thats no problem just as long as you pay the agreed amount it will be REMOVED FROM YOUR CREDT! So I paid the agreed amount and the reporting agency XXXX  got it and still would not remove it. I know the phone call was recorded and I let XXXX  knew by filing a dispute twice and they refuse to move it off my credit and they keep telling me after each dispute that their decision to keep EOS collection on credit score remains. This is not right because I feel as though EOS CCA LIED and DECEIVED me just to get me to pay anything when I was willing to pay the whole amount! What the representatives ( the manager and the original representative ) at EOS CCA did was unlawful. And I want justice thats why Im reaching out to consumerfinance.gov because filing two disputes with XXXX  is not helping AT ALL. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: MS
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 couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 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 2021-09-23
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:
On XX/XX/XXXX, my Experian credit score dropped 28 points. When I looked into this issue with creditwise.com and freecreditreport.com I found that the only suggested reason for the drop in my credit score was due to my XXXX XXXX credit card. 

After speaking to a XXXX XXXX representative, I found this information : In XXXX of XXXX, my credit score dropped significantly ( by approximately 28 points ). Since then, I have not missed a payment on that account. Since XX/XX/XXXX, I have made well over the minimum payment every single month, on time. My new balance is now {$160.00} ( Down from over {$8000.00} originally ). I was told that credit monitoring companies, such as Experian, sometimes make credit adjustments due to extremely old user errors ( such as missed payments ), however, because I have already had my credit go down due to this same exact error, they should not have dropped my score a second time. The XXXX XXXX representative told me that if I filed a dispute with Experian, they would call XXXX XXXX, investigate my recent payment history, and that XXXX XXXX would confirm that I was proving great reliability. 

Since my disputes ( 2 so far ), Experian has not changed my score at all nor have they provided me reasoning as to why. Their phone system does not allow me to speak to a real human to gain answers. 

XXXX and XXXX RAISED my credit score last month by 7 points. I see NO REASON why Experian could have lowered my score. Every bill I have, every card payment, ever debt I owe has been paid on time. I deserve explanation and answers.

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 2023-04-30
Company: EQUIFAX, INC.
State: OH
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:
From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a check in the mail for {$2800.00} from a company called XXXX XXXX XXXX. They told me that if I put a wrap on my car advertising the XXXX logo I would get paid weekly. They told me to wire money to the person who would be putting the logo sticker on my car and keep the rest of the check as my first payment. My bank allowed me to deposit the check. So that same day I wired {$2200.00} to the person who was going to put the logo on my car. The next day on XX/XX/2022, my bank, which is Bank of America took {$2800.00} away from my account. That left me with a balance of negative {$1700.00}. I lost {$250.00} dollars of my own money and now have to pay back {$1700.00}. So in total I lost {$1900.00}. When I asked my bank to cancel the wire transfers they said there was nothing they could do. If the check was a counterfeit check my bank should have never allowed it to deposit into my account. I am now almost {$2000.00} in debt and can not pay my bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 3rd time submitting a complaint please help me!!!!

I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with XXXX, equifax, XXXX for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because Im a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have had several disputed transactions from the same individual, a XXXX lender and PayPal has blocked my access to my account making it impossible to dispute the transactions. Over the course of several months I have sent information and details regarding this person, showing how every loan he gave had been paid back. I now have lost over XXXX points on my FICO score because the first two chargebacks in XXXX were paid without my knowledge ( I had changed my email account, but they somehow reversed it and sent the first notice to an inaccessable account ). The chargebacks were submitted as " merchandise not recieved '' and I asked Paypal to get the invoice info to me, knowing that there were no invoices. These were NOT valid chargebacks, but I was told on the phone that the cc companies issuing the chargebacks took precidence and that they had to refund money even if it was not owed. A manager told me that she saw and agreed that I had been scammed, but it wasn't Paypals problem as they just transfer money between two parties. Under the Paypal agreement, when they blocked my access to my account preventing me from disputing them, and then paid these chargebacks because I didn't " dispute them '' ( which, again, I couldn't access my account to dispute them ), they broke their contractual promise to me. XXXX chargebacks have been filed, and a collection agency is now contacting me regarding the first XXXX for a total of {$810.00}. Paypal says they have no responsibility to prevent fraud such as this. I believe they have breached their fiduciary responsibility to me and to others in allowing one person with ( apparently multiple charge cards ) to file repeated chargebacks, all of which occurred ( so far ) between XX/XX/XXXX and XX/XX/XXXX, starting the week the first stimulus payments were being sent out. Further, when they acknowledged that they recognized this as a scam, they should have acted to stop the flow of monies to the scammer. I am not allowed his information without filing a subpoena, which means I have to pay an attorney. I am on a fixed income, and I am even on food stamps. I can not pay an attorney. Please help me resolve this.

Company response to consumer: Closed with monetary relief