BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2019-08-22
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the newly established policy of the President of the United States, to wit : The debt of these XXXX veterans will be completely erased,, I hereby respectfully request that XXXX and Equifax erase are references to any and all debts owed to The United States Department of Education, XXXX XXXX, or their assignees/agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Child support is not a credit transaction. Therefore it is illegally RE-AGED and furnished. TransUnion memo

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 2019-08-02
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I paid off a lease and bought a XXXX XXXX from GM Financial in XX/XX/XXXX. Months later I received multiple calls about owing them {$190.00}. I asked to receive an itemized invoice of what was owed, and stated that I would pay it if appropriate. I received multiple explanations over the phone, including the first representativee I spoke with telling me it must be a mistake ( which I thought plausible with this company as it took me 4 months to get the title - I will not detail that runaround ), to I can't tell you what it is for, to it is for property tax paid on my behalf ( yet they were not able to tell me who they paid the property tax to and for what period of time ). To this date I have not received any documentation as to whom they paid or for what time period. I moved to XXXX, VA in late XXXX and paid a property tax bill from them last year and I shared those details with GM Financial. I have attached an account statement from XXXX, XXXX saying my balance with GM Financial was {$0.00}. It was after this time that I began to get calls demanding payment. I have also attached the limited invoice that I ultimately received in XXXX, XXXX, and to which I begrudgingly paid, that still had no detail as to why I owed them money. Nonetheless, GM Financial reported my delay in payment to credit agencies earlier this year, negatively affecting my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I called PHEAA/FedLoan Servicing to inquire about how many qualifying payments I have made toward the loan forgiveness program as I have three different repayment end dates. I have four loans that qualify for the program, I started repayment on these loans at the same time since I only receive on bill through FedLoan and it is always paid in full, and sometimes even additional payments are made. On XX/XX/XXXX I spoke with XXXX ID # XXXX who informed me that she would put my loans in for review. When asked how long that would take she told me 6 months. While I thought that seemed excessive, I said ok. It was not until Saturday, XX/XX/XXXX XXXX one year and five months later ) that I received a letter from FedLoan servicing with a " breakdown '' of qualifying payments. This breakdown still did not tell my why I have different repayment periods so on Tuesday, XX/XX/XXXX I called FedLoan again to ask for a reason why the repayment periods were different. I first spoke with a woman I believe by the name XXXX but her ID # is XXXX. She was unable to help me so I was transferred to XXXX ID # XXXX. XXXX began counting the payments made on each loan, and when the numbers did not match what I had I questioned it. XXXX told me " let him finish and this call will end faster. '' I told him no, I am going to follow along with him and question why they do not add up. In one instance, XXXX said that there was " no bill for XX/XX/XXXX and you only paid {$39.00} of the $ 40-something dollars due. '' I pulled up my payments for that loan for XX/XX/XXXX and XXXX. On XX/XX/XXXX I paid {$46.00} and on XX/XX/XXXX I paid {$51.00}. XXXX could not answer as why there was a discrepancy and just kept saying he would put it in for review. I asked him how long that would take since I waited a year and a half for this response. He told me " case reviews take a long time and there is no time frame for when FedLoan will get back to me. '' I have had trouble getting responses from FedLoan on various issues since 2017 and for that reason I document every phone call. It should not take over one year just to get a response to a question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MO
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 called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}

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 2022-06-15
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only one ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Credit Solutions
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This car was a lemon the transmission went out after 1 month of me having it. This company refused to work with me to get the car fixed. They wanted me to pay for it myself. They wouldnt even put it on the back end of my lease. I continued to pay while trying to get it fixed, Eventually I told them to pick the car up because I cant use it. I discussed with her that when I return this car I will no longer have anything to do with it and I dont owe you all nothing because this car was a lemon she agreed and came to pick the car up. It was never repoed but they are reporting it that way and they continue to report missing payments to this day

Company response to consumer: Untimely response
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: NC
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 filed a dispute with all three bureaus and they haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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: Account status incorrect

Complaint:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved.I have been patiently waiting on their response to the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent in XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ChargeOff : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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 information incorrect

Complaint:
Greetings, this is the second time that I had to write to the cfpb in regards to this matter that I am facing with XXXX XXXX. During the hurricane XXXX XXXX put me on a program to help individuals with difficulty not to have late fees on their account, and they sent me a letter putting all three accounts on the program and I accept and again there is no where in the letter that mentioned if you are late that they will report it to the bureaus and if they had clarified that I would of asked for help to pay on time but since they say that I will not have any issues so I accept to be in the program. 
I called XXXX XXXX this week XXXX XXXX and spoke with a young lady that I explained to her that I am doing a va loan and it is imperative that I dont have any late payments shown in my report even though that I paid both accounts full and after those XXXX months of XX/XX/XXXX and XX/XX/XXXX my account never late or before XX/XX/XXXX never late, so please see what you can do for me please XXXX to remove those XXXX closed accounts from my file. She responded that she will call me back within an hour to investigate the account completely. Now, she did call me back and states that sir, I do show that you were on a program for the hurricane that happened in Florida in XXXX and that we can not remove the late remarks or remove the account because they have to report it so I answer her, XXXX, then why was I put in a program to get help from XXXX XXXX during these difficult times. So basically, capital XXXX is reporting to the public that they are helping people and yet that is not true at all, because if you read what I wrote at the beginning of my letter it clearly states that they have a program to help military individuals which I am a XXXX percent total and permanent XXXX veteran. I made sure I paid in full both accounts without ever missed a payment and XXXX  XXXX dont have the decency to remove an account that I paid in full from my credit that is already closed. That is sad and ashamed especially when I am trying to put a roof over my families head, put yourself in my shoes president of the bank, workers of XXXX XXXX, ceo of XXXX XXXX put yourself in my shoes, especially when you didnt do, anything wrong. I WAS PUT IN A PROGRAM AND I NO MATTER WHAT I WAS ABLE TO REMOVE MYSELF FROM IT AND PAID IT IN FULL WITHOUT ANY LATE PAYMENTS.

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 2022-03-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 at XXXXXXXX XXXX I received a voice-mail from a person stating they were with Synchrony Bank and that it was imperative for me to send a payment immediately regarding my Synchrony XXXX XXXX card. I was to mail this payment to Synchrony Bank - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX, Utah XXXX. I was to call them right away at XXXX to take care of this. 
My husband and I actually have an account with Synchrony Bank, it is not a XXXX XXXX, or an App on our smartphones and we have always paid our account to their correct address in XXXX, Florida. 
I called Synchrony Bank on XX/XX/2022 and spoke with a representative who made note of this issue.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: NJ
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 unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2023-06-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my mortgage company ( mr cooper ) that they were missing proof of insurance from XX/XX/XXXX to XX/XX/XXXX. In response to this, I called my insurance agent and had the agent send over the required proof of insurance about two weeks later I receive another letter that states they still do not have proof of insurance for that time period, I have attempted to contact the mortgage company via a chat session ( which referred me to call the company ), then two separate phone numbers XXXX and XXXX. I was unable to reach a person on either number, the mortgage company apparently makes it impossible to reach a human ( I am sure this is on purpose ). I then emailed the proof of insurance to them at XXXX. The amazing part of this whole problem is I have a mortgage escrow account that is supposed to pay the insurance and according to what I have previously received from the mortgage company, it was in fact paid. Therefore, either the mortgage company paid the insurance or they stole money out of my escrow under the deception that it was for my insurance. I will attempt to upload the letter from the mortgage company , the email from me, and the actual proof of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dispute Debt Collection Letter XXXX XXXX XXXX P. O. XXXX XXXX XXXX, CO XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 Dear Collector I was notified by your company on XX/XX/2023 regarding an alleged debt and harassed for years by phone call that I am going to be subpoena to court for an alleged debt. The statutes of limitations for a debt with a bank in XXXX  is XXXX years. Do to XXXX I have been living in a hotel and have financial hardships. I request all the following information be provided to me by mail. Then amount of the alleged debt. The full name and mailing address of the original creditor for the alleged debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in XXXX. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law. Sincerely, 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 2019-01-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX the XXXX I received a document stating two invoices with account numbers and amounts owed at a balance of {$2000.00}. On XXXX the XXXX XXXX I wrote to XXXX XXXX XXXX and asked for Validation of the alleged debts they said I owed on five separate accounts. On the XXXX of XX/XX/XXXX the read receipt was signed and sent back to me via USPS. No original documentation, signed paperwork, or anything they had on file pertaining to this account was sent as proof of validation and or verification of the alleged debt ; which was requested in my validation letter along with details of the debt, not just a monetary amount. I sent a 609 letter to XXXX  on XXXX the XXXX XXXX and they responded rather quickly ( XX/XX/XXXX I recieved my response ) having deleted 3 of the accounts ( that the Collection Agency didn't even mention in the return letter but I inquired about during first contact with my initial Validation letter ) but stated the two accounts listed in the  account had been verified and belonged to me. Again, the documentation I requested for proof of validation and what was used the verify said accounts were not given to me by the Credit Bureau either and by law I know I have the right to have valid proof that a debt is in fact my own otherwise it must be promptly deleted and all reporting should seize to any of the three major Credit Bureaus.

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