BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have 3 loans with XXXX, all of them have been on AUTOPAY. In the middle of the covid pandemic I got notice that my credit has been affected. I contacted XXXX to fix it and they said they would and to file a report online and with the agency. BUT NO ONE fixed it. Then they sent me a letter that I am in good standing for the past 24 months, but they sent it for the wrong loan number! Now my credit is ruined due to them, they wont fix it they are such a mess and unorganized. I have been on autopay and they are stating they couldnt deduct money from my account even tho they did deduct it for the other two loans!

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am STILL fighting to get these charges off of my credit, that were removed and then they put them back on there. XXXX XXXX XXXX the Billing company for XXXX XXXX and XXXX XXXX. I have been trying too get the information from the claims that were billed to my insurance company, billed claims, denied claims, correspondence with my insurance company. XXXX can only provide the invoice from the collection account they " brought '' from XXXX XXXX and when I attempt too contact XXXX XXXX or XXXX XXXX both companies have been closed down permanently, due too lawsuits from fraudulent billing charges. I also checked the XXXX all three companies XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  have complaints for fraudulent billing practices. I feel these charges are a scam, especially since they can not provide any proof or even the dates that I supposively used their services. I have disputed and filed complaints on MULTIPLE OCCASIONS. Can someone check into these fraudulent companies with their fraudulent charges.

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 2018-08-13
Company: General Motors Financial Company, 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:
Summary : My credit score has decreased by a significant amount due to GM Financial incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to GM Financial, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially  negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error. 

Details : GM Financial attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a significantly negative impact on my credit report/score. 

GM Financial attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months. 

GM Financial then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
These people have contacted me a second time with no line item invoice which will be required. 

There was a charity account that they should have been paid out of at XXXX XXXX assuming that this is actually from XXXX XXXX. They were notified and I will attach the letter again. 

AT NO TIME DID I VISIT XXXXXXXX XXXX XXXX Everything was done AT THE HOSPITAL Without an accurate invoice and proof of an attempt to collect from the Charity This is a dead issue. 

I am sick to death of medical industry thieves trying to collect double and triple fees and threatening me. 

Show me that they contac5ted the people that said this was covered. 

Again I will state that an itemized invoice is required.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir/ Madam, Please be advised that I contacted Transunion and I asked them to show a solid document or signature to prove that the XXXX XXXX performance Debit belongs to me, they were unable to show any solid documents, nor were they able to prove their method of verification or even mention their way of verification. 
As you may know I disputed the validity of the alleged debit posted on my credit report with that frivolous called XXXX XXXX XXXX, they were unable to validate their alleged issue. 
I contacted you on XX/XX/2018 as it shows on this portal complaining about Transunion and their EXTREME time taking to investigate, and until this moment they were unable to DELETE this issue. 
Please find the attached Documents on this letter showing the Transunion reply to me Dated XX/XX/2018, and My respond to Transunion dated today Friday XX/XX/2018. 
I urge CFPB to do an investigation Thoroughly towards this matter. Copies of this complaints and letters will be sent to the New Jersey State Attorney General and the FTC and to my Attorney.

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 2023-02-04
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX has 20 inquiries allotted on my credit report that they refuse to remove that was fraudulently used to attempt to put credit in my name. They have allowed companies like XXXX XXXX, XXXX XXXX, put collections on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-04
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: Information belongs to someone else

Complaint:
On XX/XX/2015 there was a loan taken out in my name. My exs uncle worked for the car dealership where the car came from. My ex was not able to get a car in his name, so my information was used, his uncle pulled strings, then my ex didnt pay on the car. He ended up getting XXXX, and leaving me with a mess to clean up. I am not responsible for this loan, or the payments, and I want this taken off my credit report. Theres a balance owed of {$16000.00}. I also know that someone now has the car and took over payments. This account needs to be removed from Equifax, and XXXX. I tried to explain my situation to the credit bureaus, and dispute the charges. But they still wont remove it. Before my ex got XXXX, there was also a final XXXX XXXX that I had against him for his XXXX XXXX   me. The XXXX XXXX happened in front of police officers as well. And since my exs uncle works for the dealership, they wont do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Velocity Portfolio Group
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between CKS Prime Investments and I

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. Sh would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have paid the car off and no money is owed. I have contacted XXXX XXXX XXXX and their records show I owe nothing and have paid on time and in full.

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 2020-03-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a BMO Harris Smart Advantage Checking Account on XX/XX/XXXX. There was {$400.00} bonus if I met the requirements. The requirements were {$6000.00} in direct deposits within 150 days, turn on paperless statements within 150 days, 10 debit cards transactions within 150 days. I met all of these. The direct deposits came from XXXX. All the requirements were met by XX/XX/XXXX. I messaged BMO Harris twice - once in XXXX and once in XXXX and got no response. I called them on XX/XX/XXXX and was informed I didn't meet the requirements, but wouldn't tell me which one ( of the 3 ). I complained further that day and talked to someone higher up. Eventually they said I met the requirements and I would get the {$400.00} within 2 weeks. On XX/XX/XXXX ( 15 days later ), I still hadn't received the {$400.00}. So I called BMO Harris and they said they asked for further proof of the direct deposits. I never received any message about this.

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 2020-04-29
Company: Santander Consumer USA Holdings 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 information incorrect

Complaint:
I received a late payment for my car note in XX/XX/2020 for a car that was totaled in XXXX. It was declared a total loss on XX/XX/XXXX, so in order for the person 's insurance to send the total loss payment ; they needed to receive the letter of guarantee. The letter of guarantee wasn't sent in time which delayed the total loss payment being sent. I knew there would be a leftover balance because I didn't have GAP insurance, but I wasn't notified the total loss payment was made. I called them every day to verify, but I was only told that it was in the process. 

After logging into my account online on XXXX XXXX, I noticed the payment was made on XX/XX/2020, and I immediately paid the remaining balance on XX/XX/2020. It wasn't posted to my account until XX/XX/XXXX. After I made the final payment, I was given or assessed a late fee for XXXX. 

When I noticed the late fee, I immediately contacted them to remove the late fee. I was told on XX/XX/2020 that I needed to dispute the late fee in writing to have it removed from my account and credit report. I mailed the letter on XX/XX/XXXX, and I haven't heard anything since then. I reached back out to Santander Consumer on XX/XX/2020 just to verify that they had received my letter and I was then informed that I could dispute the late fee with the credit bureaus. 

I feel that I've done my due diligence in paying the vehicle off, speaking directly to their customer service agents, and sending in my written dispute to have the unjust late fee removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Capital Eleven Auto, LLC dba Capital Auto Loan
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:
I was in a car accident XX/XX/2021 my car was totaled in the accident and my insurance was going to pay them off so I called them the day I was hit and told them I wasnt going to pay my bill because I was just in a wreck nd insurance was going to pay for it. They said thats fine and the car was paid off in full by my insurance in XXXX and now there saying I missed a payment when they knew exactly what was goin on and they said it was no problem now it shows I have a missed payment I never missed a payment the insurance company paid it off. Why would I make a payment when they said they were in the process of paying it off that doesnt make sense. Capital one was a nightmare to work with and I feel like this is them coming after me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
Have tried numerous times to dispute information on my Chexsystem that isn't mine and keep being told its verified, no response at all or told I can contact the banks to fix. I've requested their method of verification numerous times with no response. These are clear FCRA violations. I've given Chexsystem many opportunities to correct the inaccurate information and clearly I'm ignored.

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 2023-06-07
Company: NCB Management Services Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between NCB Management Services and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I was charged {$50.00} for a scanner that the bank gave me to deposit checks. This is a monthly charge that I have been paying for 39 years. Chase closed my account the next day XX/XX/2023. I called for a refund as I didn't get to use the scanner and I was told once the account is closed you cant make a dispute. So once they close the account they can steal my money. Shame on Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: SC
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:
My authorized user account with XXXX XXXX is not reporting on my experian account and it is supposed to be. XXXX advises that they report to all three major bureaus and Experian is the only one not reporting it.

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 2022-12-31
Company: Windham Professionals, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter that I owe money but it does not state any direct information to tell me what it is referring to. I would like an itemized list of what this debt amount is referring to.

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 2023-05-22
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: Was not notified of investigation status or results

Complaint:
This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.

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 2022-02-09
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion shows a credit report requested on XX/XX/2020. They were unable/unwilling to tell me who initiated this credit report. The issue is critical, because someone hacked our account with our home phone provider, on that same date, and began a " Port-OUT Scam. 
They successfully impersonated me on XX/XX/2020 and then on XX/XX/2020 initiated a Port-Out request which resulted in our phone number being ported-out from XXXX, via XXXX, to XXXX XXXX XXXX. We are trying to learn who is the perpetrator of this fraud and recover our phone number and are having trouble getting info from all parties. 

A quick XXXX search shows that PORT-OUT SCAMS are routinely used as the first step in identity theft! WE NEED 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 explanation