BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: General Motors Financial Company, 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 belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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:
XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2020-10-20
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX. I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity theft. My information was stolen and misused to open up accounts without my knowledge while I was away at college at addresses Ive been trying to resolve the matter but to no success thus far. All the accounts date from XX/XX/XXXX-XX/XX/XXXX. I have reported each to the bank as well as filed a identity theft report and opened local police investigation.

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 2021-02-24
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from all 3 credit bureaus informing me about a collection that was placed on my credit. 
The name of the collection company is IC system. I never received any letters or debt validation from this company. I know my rights and I understand my consumer rights to dispute any information that is in error or not mine. I tried contacting this company about validation of the debt they claim I owe them. I need this company to send all signed documents stating that I agreed to pay them {$460.00}. I also need original copies and agreements between myself and this company. I do not have any knowledge about this debt they claim I owe. I am a very responsible person and this collection that they sent to the 3 major credit bureaus is damaging to my credit. PLEASE NOTE I DID NOT HAVE ANY HISTORY OF LATE PAYMENTS OR COLLECTIONS UNTIL THIS COMPANY PUT THIS ERROR ON 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 2023-02-15
Company: United Debt Counselors, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Every time I was close to paying the debt off, the company would add another 6 months to pay it off.This happen 3 times.

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 2021-02-24
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
1. I was asked to submit SSA form sent by them to get notarized 2. I spoke to Chief engagement officer Ms XXXX and she told me that was not fair if they were not accepting the form. 
3. She asked contact center manager XXXX to contact me and she said the same thing. Then she went on leave, leaving me with XXXX no response 4.I contacted contact center and I was told I do not qualify for a saving account as I do not qualify ( my mother is a member ) and that they could not verify my social security number already sent to them notarized. 
5. I was told come to Utah to we can identify you and later made excuses you will waste money by coming here, when I stated I am coming. They asked me to open an account with XXXX XXXX XXXX!? 
I felt I was wronged in every way and pure injustice was granted. They never responded to any of my email plea and finally sent a letter of adverse action giving me why I can not apply. I will attach or fax copy of the letter. I have copies of all emails, text messages sent to America First for records. I am just confused and feel I have not been treated fairly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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: Account status incorrect

Complaint:
This account became delinquent in XX/XX/2019. The company filed court action, after I missed payments. I communicated with creditor but was forced to sign a judgment to be able to pay them and get my account in good standing. Since that time, on XX/XX/2019 they did a hard credit pull on my credit file without my consent. In addition to this, they also locked me out of the online account ( which is where I can view account details, make payments etc. ) It says I do not have an open account with their company. In addition my most recent payments in XXXX and XXXX, I called into their office to make payments with XXXX. She told me each time the total amount that was due. On XX/XX/2019, I paid the monthly payment amount of XXXX, on XX/XX/2019, I paid the monthly amount of XXXX. Again, on XX/XX/XXXX I called in and spoke with XXXX, he said my payment was due on that day XXXX, and that as of then I was not behind. I determined the next day that they are reporting I am 60 plus days late on this account, and not being transparent to me about this. I need help with this. As someone that's had credit issues. I had established finally a good credit score with a lot of hard work. They have dropped my credit score by more than 100 points, and are affecting my job and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CHECKredi of Kentucky, LLC
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company failed to provide written notification of debt. Claims they " emailed '' a written notification but never received. Have included excessive predatory additional charges that they are attempting to collect outside of the fact they already collected the original amount. Representatives are abusive and abrasive via texts and phone calls, deny making excessive phone calls throughout the day even though excessive calls were made. Provides no means to dispute the debt and threaten to place this debt on my credit report with no means to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: DriveTime
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed I had this account on my report stating i owed a debt for over {$10000.00}. I contacted XXXX to inquire about the debt and i was told the vehicle was purchased through a company called DRivetime in XX/XX/XXXX. I informed them I was XXXX at the time and did not purchase a vehicle and want the vehicle out of my name and removed from my report immediately. I submitted documenation of my XXXX as well and still as of XX/XX/XXXX nothing has been done or corrected. 
I asked them to send me a copy of my signature, social and drivers license to validate the debt according to FCRA Section 609 and they have not done so.

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 2019-02-20
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX - Equifax partial account number XXXX and XXXX  partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company keeps calling me about a debt that is over 8 years old. They threaten legal action in addition to threats of contacting my employer and any relatives they can find. 

Voicemail messages : ( in part ) XX/XX/21 XXXX XXXX " ... regarding an active order that been issued and filed against you. They have instructed me to contact your employer and speak directly with your supervisor ... once the case is discharged and filed, all of your legal rights to have this resolved will be voluntarily forfeit. Contact our legal office ... this is considered an official legal notice by phone. Until contact has been made, you will be located directly. '' XX/XX/21 XXXX XXXX " I am contacting you on behalf of judicial services. I've been instructed to contact your employer and speak directly with your supervisor as it does appear that will be likely a place of location and also make you aware they have issued an order to have you located ... '' XX/XX/21 XXXX XXXX " I've been instructed to get in contact with you in regards to the active order of location that is still in the process of being issued and filed against you. ... I do want to advise you that they're wanting to move forward with the original plan and have a new process of the premises of your employment or any relative homes that is listed in public record. ... This is considered your final legal notification by telephone. You can not say that you didn't have any prior knowledge of the case being filed. Further action will continue against you until direct contact is made. Good luck to you. '' XX/XX/21 XXXX XXXX A bunch of the same ... threats to locate my employer, my residence, and any relatives homes that have been listed in public record. 

They are calling my husband and I both during work. I have spoken to them. They refuse to mail me anything regarding the debt or give me the 'name ' of the business they are with, just that they are with 'judicial services '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
From the time i noticed negative remarks on my credit profile i have been sending letters asking to verify and validate this information with any documents showing my signature or identification and i havent received anything relevant to what i asked.

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 2020-07-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt in Full with Midland Funding and i like the debt shown paid in full and this debt deleted from all three of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On many many occasions we have contacted the finance company and gap Insurance company to try to resolve the issues and each and every time has been a failed attempt to correct. In XX/XX/2014 we purchased a XXXX from XXXX XXXX in XXXX NC and within a short period of time the vehicle was totaled in a car accident on XXXX XXXX in XXXX which for starters wasn't our fault and in the process of the insurances handling their business we somehow ended up with a {$600.00} +/- fee on our hands. Ironically enough we purchased a 2nd vehicle from the same dealer just a used car this time instead of new and the issue of the outstanding balance came up and we financed the extra and it never was applied and it is now on our credit reports and when I disputed it with XXXX after all these years it somehow went to {$780.00}. Then the used car we purchased we had for roughly 3 years or so and it got totalled as well and it was also fully insured and had gap coverage as well and somehow we got stuck with a {$6800.00} balance which is now on our credit reports. My wife got them to remove it on her XXXX but it still shows on her XXXX, and it shows on both for mine. We really don't see why we are the ones being shafted when we took all the proper steps to make sure we were covered in case of these types of events. I/we own a business now and these type of problems are really holding me back as lenders look at this as a repo. We really need some resolve. 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 non-monetary relief
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are Inquiries reported in my credit report and I have never authorized to run my 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 2019-02-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an email on XX/XX/XXXX from American Express telling me the company had reduced my credit limit from {$1400.00} to {$800.00}. I had just paid down the balance on the card by {$1000.00} on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$500.00} ) with a plan to pay the balance down to {$0.00} in XXXX. I had unexpected medical expenses and home repairs at the end of XXXX that drove my balance up. However, I never missed a payment and never went over my credit limit. 

I contacted Amex customer service and they said the decision was triggered by their system and my account was under review by a team. I requested the credit limit not be reduced because they are hurting my credit standing overall by making this decision immediately after I paid down the balance. The customer service agent assured me that Amex cares which is the furthest thing from the truth.

I believe the way that Amex is managing their accounts is predatory in nature. I would like to see their practices of reducing credit lines audited. It appears they are trying to hurt customers who have done nothing but use their credit line and paid it down in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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:
There are Inquiries reported in my credit report and I have never authorized to run my 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 2019-02-21
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2018 I entered into a deferment plan with finance company believing that it would bring current but, far from what has happened. This company excessive deceptive acts in applying fees and making it impossible to contact or reach them is horrific.I have request real time payments of account and cant get that info. According to my records i am current and showed an amount of credit. This company bills 30 day in advance and reports me late to Credit report agency sa being late every month. I am a online account holder who pays on line every month but they have now locked me out of my account due to excessive fees that no one can answer to. my online account will not allow me to process a monthly payment. its locks me into only paying the excessive amount onXXXX be paid so it will not take monthly payment of XXXX. Called spoke to supervisor forwarding info they requested and never heard back till i tried paying my bill today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed {$350.00} to XXXX that went to collections. 

CCS Collections XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX ext. XXXX in association with XXXX The lady I spoke with said twice they would settle the debt for a 15 % reduced amount of {$300.00}. I have the entire phone conversation recorded. The receipt they sent and the amount charged to my credit card is {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Siggi LLC
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:
Violation of Fair Credit Report Violation Act Omni military loans pursuing pro charge off interest on a account for over 6 years without sending periodic monthly statements on account to customer. The creditor should mail or deliver periodic statements as required by 612 C.F.R section 226.7.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Kohl 's calls me several times a day, every day and leaves a voicemail. I have scheduled a payment and agreed to schedule a payment for my remaining balance when I get paid next. I still receive cash, emails and texts constantly to make a payment.

Company response to consumer: Closed with non-monetary relief