BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a new vehicle through GM Financial on XX/XX/19, at that time, the dealer paid my three remaining payments and purchased the vehicle. These payments were sent to GM Financial. 

As of XX/XX/19 GM Financial has not applied the payments. The dealer has called GM to resolve the issue and GM has yet to update the account.

I am currently closing on a home in 3 weeks and the inaccurate information on my credit report is adversely affecting my current standing and is a threat to successfully closing my home. 
I reached out and chatted with XXXX iwth GM who refused to provide any information to me other than the account showed unpaid.

She would not seek information from accounting, review account notes from the dealer 's conversation.

So I reached out to the dealer who reached out to GM again. This time he provided a corporate contact, XXXX XXXX, to aid in resolving the matter. I called XXXX and left a voicemail but have not heard back. 
Given the time sensitive nature of the issue and GM 's historical difficulties with payment applications, technical glitches and inaccurate migration data, I do not feel confident this will be resolved without the aid of the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
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: Was not notified of investigation status or results

Complaint:
When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately XXXX separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a bank account with Wells Fargo for several years. Last year they upgraded the account WITHOUT MY CONSENT and I was not aware and didn't pay attention at that time. The upgraded account had a higher account balance limit. Sometime later, when my account balance was no longer as high as the required limit, they started charging me a monthly fee. I was really surprised and angry about this thus I called to find out the fee situation, then I was informed that my account was upgraded. How could a bank change my account status without even contacting me so that they will have excuses to charge me more money that I was not prepared for? I asked to get the fee to be waived and was told they would only refund me less than half of the fee.

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 2023-07-26
Company: Paypal Holdings, Inc
State: CT
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:
PayPal account under the email address XXXX was created without my knowledge or authorization, I did not authorize any transactions initiated from this PayPal account. Additionally, my signature was forged on a XXXX package sent for the {$5000.00} transaction referenced in this affidavit, I did not receive any XXXX package or benefit as a result of this transaction. Lastly, online banking credentials have been compromised as the address listed is XXXX XXXX XXXX XXXX XXXX MI XXXX and phone number listed is XXXX, neither of which is my accurate contact information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already been filing complaints against this Bank. They used Identity theft by creating a Fiduciary Relationship acting as the Grantor of my own credit. 31 U.S. Code 3729 - False claims I demand to fine them {$10000.00} dollars for the fraudulent use of my name and also Tax Fraud and withholding information when demanded. They have already closed the account as " Closed by Grantor '' which brings forth more evidence of the fraud using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I got a letter from XXXX XXXX XXXX XXXX , XXXX. saying that a judgement against me was in place by their client LVNV Funding LLC. and the original creditor was XXXX XXXX XXXX   XXXX. 
As of the date of the letter the amount owe is XXXX ... 
________________________________________________________ OnXX/XX/XXXX, I sent my dispute to XXXX XXXX XXXX XXXX , XXXX . 
The verification sent to me on XX/XX/XXXX didn't prove I owe this debt. a copy of a credit card account with XXXX  XXXX card services that didn't have my information. A copy of a default judgement dated on XX/XX/XXXX with State of New Mexico County of XXXX XXXX XXXXirst Judicial District Court .the balance was XXXX. court costs {$160.00} and Attorney 's fees of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently graduated from XXXX school on XX/XX/18 and prior to this I have been a student full time. As The XXXX   confirmed by the letter on XX/XX/2018 sent to me : XXXX, the In-School Deferment on your student loan ( s ) will expire on XX/XX/2018. Youre scheduled to start making monthly payments ON XX/XX/2018. 

So, I have the times is 30 days to finding the money in order to make payment? I thinking this Scheduled repayment is very great to me for ( ( Im starting my XXXX XXXX XXXX on XX/XX/18 ) ). 

But, I dont know why : *The AES asked me to make the payment {$430.00} ( Due by XX/XX/2018 ) while Im still a student full time. 
And *The AES asked me to make the payment {$660.00} ( Due by XX/XX/2018 ) At this time that I recently graduated from XXXX school on XX/XX/18. 
I am writing to request that the AES/ credit report be corrected to reflect that my co-signers ( XXXX ) and I am no longer delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was a cosigner on an account with Ally Financial account # XXXX. This account was paid every month on time. When the lease was up the borrower returned the vehicle to XXXX XXXX on XX/XX/2021 ( see attached ). For some reason I am showing a balance owed on this account and that the account is currently in charge off status. I have tried to resolve this matter. I am not getting anywhere I hope you can help.

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 2018-04-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The statement that I received for making my payments has a different names on it. It was XXXX and now its Lakeview. It's my understanding that I should have received a notification from XXXX that the servicer was changing. 

When I inquired I was told that the original documentation that I received over two years ago had this information on it. That's not acceptable. New notification should have been sent as I understand the regulations.

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 2019-08-09
Company: EQUIFAX, INC.
State: AZ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX, XXXX XXXX. 
Company XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
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 is missing that should be on the report

Complaint:
I do not have a specific date of the call. The customer rep was not able to update address over the phone. They told me to update the address with financial institutions and wait. At this point, XXXX and XXXX reports are both updated with the new address. Only Equifax still has failed to update my address after two and a half months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NY
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:
Date of XXXX Payment : XX/XX/2022 Monthly Payment : {$20.00} I have attempted to resolve this on my own numerous times. Was told that they don't have to help me, I've been more than patient. This adverse action to my report is causing me great harm to my mental & physical health. This is a heavy weight upon my shoulders, and upon my review of my consumer rights. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


Account Name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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:
I have requested the removal of fraudulent/unauthorized inquiries with Equifax many time. These inquiries are damaging my credit report and opportunities to obtain credit. 
These inquiries have been removed from my XXXX & XXXX   report. I am now requesting Equifax to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Report # XXXX for XX/XX/XXXX shows XXXX XXXX services on that report in which payments were made and account is paid off and closed. 
Experian report # XXXX for XX/XX/XXXX does not show XXXX XXXX XXXX as if it's been deleted by Experian for no reason after I made payments on time and the original credit amount {$3200.00} was the original amount. I also want to no why an account just open XX/XX/XXXX paid payments was deleted and for what purpose. I'm also filing a consumer US Attorney office complaint on Experian reporting and how it effects one credit not reporting creditors on time and trying to say it them when it's Experian not updating things for months and other issues adding address of duplicates address of more address or the wrong employee. I have reports going back for over 18 months with the same issues added address wrong employment and various other issues that takes Experian too long to clear up after the creditor done mail me the copy and replied back to the CFPB, FTC, and other agency that I filed on Experian practices. Experian always has some lame excuse some computer generated XXXX as a reply with noting justified or or documentation to back up the response.

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 2022-10-26
Company: EQUIFAX, INC.
State: UT
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:
Re : XXXX This is about the deletion of below-mentioned account from XXXX on XX/XX/2022 XXXX 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX I request your Company to delete the above-mentioned account from your records immediately. 

Pursuant to 15 USC 1681SXXXX ( a ) ( XXXX ) ( b ) ( ii ), the information provided by the furnisher was inaccurate. Therefore, I request your Company to remove the same as early as possible. 

Since XXXX was given the notice the information is false, they deleted the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( CPS/MAIL, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Credit Acceptance, XXXX Card ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I missed 4 mortgage payments due to loss of monetary contribution from my ex-spouse and slow in business revenue from my floral business. I called my lender XXXX XXXX ( now Bayview Service ) to ask for reinstatement but they refused. So in XXXX, I called XXXX XXXX XXXX in XXXX XXXX to help me with loan mod assistance. From XX/XX/XXXX-XX/XX/XXXX I got denied for the loan mods. I then hired XXXX under XXXX XXXX to help me stop foreclosure as well as appeal the loan mods. While we were in loan mods appeal and review, they sent me foreclosure letters with auction sale dates. They violated the law by doing Dual tracking foreclosure. My sale date was in XX/XX/XXXX then postpone to XXXX, then back later to XXXX. It was postpone only because I called them to ask where's all my documents I have sent them. Their excuse was that they can't find them. But that didn't stop them from stopping the sale. They harassed & left me with no choice but to file Chapter XXXX on XX/XX/XXXX. It is still under the court 's review. I don't think I can afford the payments under Chapter XXXX. I am not upside down in my house. There's still equity in my house but Bayview wanted to take my house away without giving me a chance for reinstatement or loan mod. Since my dad is the grantor and he's XXXX yr ( I'm secondary ), I really believe they discriminated against him because they believe he doesn't have much time to " pay back '', so they denied giving us any kind of assistance. They violated the Fair Lending act for discrimination based on age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Mercedes Benz Financial Services
State: NC
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 applied for credit to purchase a vehicle XX/XX/2020. After I purchased the vehicle I received multiple alerts of several finance companies pulling my credit. Then I received multiple letters denying my car loan. I thought only Mercedes Benz pulled my credit. What triggered his complaint is when I applied for an XXXX card today and was denied by XXXX because they said I had too many credit inquiries. This is not fair because I had no control over the Mercedes dealership sending my information to multiple banks. I did in fact get the car loan from XXXX XXXX and that is the only inquiry that should stand on my credit reports. All of the other credit inquiries during that time should be deleted. The multiple credit inquiries negatively impact a consumer 's ability to obtain other credit. I am sure XXXX would like to have a new Customer that pays on time, credit score of XXXX and income over {$100000.00} per year. This hurts new companies from gaining new customers. This hurts consumers by getting denied credit based upon something that we have no control over.

Company response to consumer: Closed with explanation