BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
ON WED XX/XX/XXXX MY HUSBAND AND I RECIEVED AN EMAIL FROM GM FINANCIAL FOR A BALANCE OF {$740.00} AND ANOTHER PMT THAT WOULD BE DUE XX/XX/XXXX BUT WE QUALIFIED FOR A DERFERMENT WHICH WOULD PUT TWO FULL PMTS AT THE END OF THE LOAN BUT NEEDED TO CONTACT THE OFFICE BY XXXX. ( THEIR LOCATED IN XXXX ) I REPLIED VIA EMAIL TO THE SENDER ( XXXX XXXX ) IF WE COULD PAY {$300.00} NEXT FRIDAY XX/XX/XXXX ON HUSBANDS NEXT PAY BUT WAS NO REPONSE OR CALL BACK FROM HER OR ANYONE. I THEN ATTEMPTED TO MAKE ARRANGEMENTS BUT MY HUSBAND HAD TO TAKE THE CHANCE OF BEING FIRED WHILE BEING ON HIS PHONE AT WORK TO CALL AND GIVE THEM PERMISSION TO DISCUSS THE ACCT WITH ME. WE HAD ALREADY SENT IN THE PROPER DOCUMENTATION REQUESTED BY GM TO BE AUTHORIZED TO SPEAK WITH ME BUT HIS HAS ALWAYS BEEN THE ISSUE EVERY TIME I'VE HAD TO CALL THEM. IN ORDER TO COMPLETE THE DEFERMENT MY HUSBAND AGAIN HAD TO BE SPOKEN WITH TO GET A PIN NUMBER TO AGREE TO THE PROCESS AND WE WERE TOLD IT WAS {$52.00} TO FINALIZE THE AGREEMENT SO I USED XXXX XXXX AND DEBIT CARD TO PAY A TOTAL OF {$60.00}. IT WAS AFTER THAT WE WERE TOLD THE REPO COMPANY COULD STILL COME OUT FOR THE VEHICLE BUT WE KEPT OUR FAITH THAT WE WOULD BE OK AND THINGS WOULD WORK OUT AND WE'D GET BACK ON TRACK. MY HUSBAND LEFT FOR WORK THIS MORNING AT XXXX AND AROUND XXXX SURE ENOUGH XXXX XXXX XXXX XXXX XXXX WAS LOADING UP THE TRUCK. THE DRIVER WAS FRIENDLY BUT WAS GIVEN ORDERS TO COME GET HE TRUCK SO ONLY DOING HIS JOB IT WAS GM WHO DIDNT GET THE DOCUMENTS TO THE REPO COMPANY TO SEIZE THE REPO IN TIME SO NOW THEY SAID THE DEFERMENT NO LONGER IS AVAILIBLE AND TO GET THE TRUCK BACK WE NEED TO PAY {$1400.00}. MY HUSBAND JUST STARTED WORKING 10 HOURS A DAY AND WE HAVE XXXX DAUGHTERS XXXX AND XXXX WHO I NOW HAVE NO TRANSPORTATION IN THE EVENT OF AN EMERGENCY ISSUE AS WELL AS I WAS DIAGNOESD WITH XXXX XXXX SO HAVE HAD TO SCHEDULE MY APPTS. WE ARE VERY DISATISFIED WITH THE TREATMENT WE HAVE RECIEVED FROM GM AND HURT A FINANCE COMPANY IS MORE THAN WILLING TO SHATTER LIVES RATHER THAN WORK WITH MORE COMPATION WITH PEOPLE WHO HAVE ROUGH TIMES FINANCIALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank is my mortgage servicer. Sadly they did not make the required escrow payment and my insurance coverage lapsed. They did not contact me about this. When I discovered it I tried to pay my hazard insurance premiums directly but it had been too long and the policy was cancelled. M & T put their super expensive forced place insurance on the property with out letting me know. All of the new hazard policies are at least double the cost. If M & T had simply done their job I would have affordable coverage. This costly mistake will force me to pay higher premiums for years to come.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26
Company: Experian Information Solutions 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 am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.

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 2017-10-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW EXPERIAN AND XXXX ALL BC OF XXXX  PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY XXXX TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID EXPERIAN HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM EXPERIAN, XXXX AND XXXX AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. 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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-12
Company: U.S. Auto Credit Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Did y'all know there is a clause in our original contracts that pretty much says US Auto Sales has the right to transfer our contracts to another financial institution at any time?.. 
.. Well XXXX XXXX XXXX is NOT a financial institution, it a debt collection agency! How do we know this? Because by Federal Law they have to make it known that they are a debt collector when they call, when they send you a letter in the mail, or even an email. Therefore, now we know 2 different ways as of now that US Auto breached the contract 1 - not paying the warranty company and 2- selling to a debt collection agency and NOT a financial I institution as it states in THEIR contract that THEY created! 
LAWSUIT LAWSUIT LAWSUIT. Get it I was over charged for this vehicle its a XXXX  I still owe XXXX after having it 2 1/2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

INCORRECT ADDRESS : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2020-02-29
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I contacted GM Financial and spoke with a representative back in the beginning of XX/XX/XXXX to inquire about getting my payments lowered because my father was just diagnosed with XXXX and I would be helping to pay his bills. The rep tried to help but informed me that I couldn't lower my payments on my vehicle. I continued to call every month I knew my funds were going to be short but the company didn't help to lower my bills in which late marks was charged to my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
My father passed in XXXX of XXXX. I called the same month to inform the company about my XXXX payment but I still didn't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, INC.
State: VA
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 son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company XXXX XXXX XXXX to see if they could collect the money owed. XXXX XXXX XXXX did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I  also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but Equifax will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but Equifax still say that the item belongs to me. I even try to get the collection agency on the phone with Equifax, but the representative from Equifax say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked XXXX XXXX XXXX to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had several transportation disputes and the majority of my claims were correct and I was compensated buy Wells Fargo. When on XXXX I received a call from Wells Fargo stating that to protect the account they were suspending my debit card privileges for a year. I find that to be a punishment for something that is not my fault.i should not have my rights and privileges taken away from me for others mistakes and Wells Fargo should not take away my card privileges as I have several accounts that only have debit services online.

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 2017-10-01
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A medical bill was sent to collections XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. The original balance of the debt was {$2000.00}. A settlement was reached for {$1000.00} on XXXX/XXXX/XXXX. The current balance has shown as {$0.00} since XXXX/XXXX/XXXX. The Pay Status for this account has been " Account Paid in Full ; was a collection '' and also " Paid In Full in Settlement. '' All credit reports up until XXXX XXXX, XXXX reflect that this account was closed and balance was {$0.00}. On XXXX XXXX, XXXX the status of this account changed to open on my credit report. There is no longer a debt owed. After requesting that this closed collection account be removed from my credit reports, XXXX changed the status to an active/open account. This is inaccurate due to the settlement that was agreed upon in XXXX of XXXX. Any action taken after XXXX/XXXX/XXXX is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: LA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
During the summer of 2017, I opened a Business checking account with Huntington bank. At that time, Huntington bank was promoting {$500.00} promotion for opening business checking account and advertising that the deposit funds of {$5000.00} have to be available for in the checking account for over a week to have the {$500.00} promotion bonus. 

After I open the account, later on, not only did the bank NOT give me the {$500.00} bonus as they advertising on Huntingtons website, but they also acted shady that secretly closed my accounts without notifying me. In terms of this action, I have contacted their department many times and they kept refusing the {$500.00} bonus that they promised customers. 

It is extremely dishonest code of conduct that Huntington lied to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved for a loan above what I could afford or even the actual value of my home, by neighborhood loans, which was sold to us bank. At the time I was working part time making XXXX an hour. I got approved for a loan for {$88000.00}. I have been trying to sell the home for months in order to break even but no one is willing to purchase. At the time the under writer mentioned that the appraiser didnt even compare homes in the area but went outside my district. Also I was told by the broker that I didnt need to get someone ' to inspect the home because it was a condo. I feel like it was extremely predatory of them to try to just close the deal without my best interest, especially as a first time buyer.

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 2020-02-29
Company: GUARANTEED RATE INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed rate is the originator of my mortgage and it is being serviced by XXXX XXXX XXXX XXXX ( Servicer for Guaranteed Rate ) Account # XXXX. My payments are not being being posted to my account in a timely manner. My payment for last month was credited to the wrong account and the error has still not been corrected despite numerous phone calls and messages thru the secure message app on the servicer 's website. I am concerned that my credit report and credit score will be ruined by this company 's errors on my account. My monthly payments are taking a very long time to credit to my account. I am now sending the payments very early in hopes of getting posted to my account on time but to no avail. I have really GOOD credit and I don't want it ruined by appearing to not be making my mortgage payments ( even though my bank statements prove otherwise ). I am making timely payments and should not suffer the consequences of this company 's inability to post payments to the proper account. Thank you for any help or advise you can provide to me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX of this year I saw an ad on XXXX XXXX that ad is no longer available so I'm not able to do a screenshot of it I came across an individual that had a property for rent it was the right price I was trying to help my daughter get a new home in this process we did money transfers through Wells Fargo app that has XXXX to the individual or I should say individuals working together we made XXXX transactions before we realize there was a scam in this process we went back to the house we said oh we love this house it's beautiful let 's get the paperwork going so we did the application fees then we did a deposit luckily XXXX I was able to stop XXXX of the transactions because it was a larger amount and XXXX of the walkthroughs afterwards we saw some paperwork that was kind of hidden to the side and it said that who was claiming to be our landlord was not our landlord that this house was actually a rental property so I had my daughter call and then we received a call back stating that this property is not owned by anybody but the rental agency they came out afterwards and changed the locks I have a bunch of screenshots of the conversation between myself and the individuals as soon as I realize it was a scam I immediately notified my bank to file fraudulent charges and scam alerts on XX/XX/XXXX I received a letter in the mail from the bank stating that they are going to side with the frauds and let them keep the money so I am now taking the next step I am XXXX my daughter is XXXX and I have a joint account with XXXX of my grandchildren for someone that's on XXXX this is a lot of money for us. I am going to send you everything that I have that I have screenshotted downloaded My name is XXXX XXXX you can reach me at 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