BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX  to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax needs to delete all those incorrect addresses, and incorrect spelled names. The only address that is correct is XXXX XXXX, Florida. Delete all the other addresses immediately. Also my name is missed spelled. Why is it taking so long to correct? My name is XXXX XXXX XXXX XXXX. This should be the only name on my report. Also, there is a bankruptcy that i been disputing on my report and it shows the date filed was XX/XX/2021. Why did you report this incorrect information? I am so tired of dealing with Equifax about all of these incorrect reportings. Isnt this a violation of the fair credit act? I DID NOT file for bankruptcy on XX/XX/2021. I want to see proof of verification on how Equifax came up with this information IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: GVA Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
i took a loan out with XXXX XXXX XXXX XXXX in the amount XXXX dollars at that time i did ask the person about the rate and got a half answer, after i got the loan i then looked at the agreement and noticed i would be paying XXXX for XXXX XXXX i do have the electronic agreement saved. 
l feel that I am being charged an exceedingly high interest rate for a {$500.00} loan. I have taken loans out in the past and have never been charged an unusually high interest rate as this. I have been making monthly payments twice a month in the amount of {$140.00}. Payments fromXXXX XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted this complaint back on XX/XX/2018 complaint # XXXX Which was a follow up complaint. XXXX wrote back that they fixed the debt and released it from collections. They have done this twice. 

The account was transferred to the FTC and upon calling today is an additional dispute case open XXXX. 

Back in XX/XX/2018, After a lengthy numerous phone calls, XXXX promised that I would not have to pay a termination fee as we discussed with the representative since I was in a car accident and wanted to cancel service. 

That termination fee keeps popping up as a debt owed. It is not. 

They have relieved and resubmitted this debt many times, its frustrating. The last we spoke I cancelled out the account at XXXX. Now I have frivolous charges and predatory collection companies placing derogatory remarks on my credit, a violation of the fair credit reporting act. 

IC Systems has never had a contract with me and Is reporting the debt as owed, when XXXX relieved it long ago. IC systems is in violation of the fair credit reporting act and also has no fair way of communication when I call in. Predatory company seeking financial gain from innocent consumers.

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 2020-02-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I requested a balance transfer onto my new card, when I opened the account on XX/XX/XXXX. To this date of XX/XX/XXXX, navy Federal has failed to pay off my other card, but has charged my new platinum visa card, on XX/XX/XXXX, in the amount of XXXX. The inquiries I make vary wildly and all information I'm given is conflicting and inconsistent. They charged me for the balance transfer, but never paid off my XXXX XXXX XXXX balance. I spoke with my Branch Manager who also failed to fix the the issue. They have charged me for the balance transfer and never paid off XXXX nor give me clear information about what is happening or when it will be paid off. I asked them to follow up and they refused via the call center supervisor today on XX/XX/2020. They always have excuses. They wanted to do a stop payment today, and reissue the check, aka start from square one, again. I need it to be paid and they have failed to do this. They kept insisting to cancel the check and reissue it, and I refused because I knew that at some point XXXX  would try to deposit it, and I would incur a fee. I also knew that Navy Federal would not reimburse me for the fee either.

Update : I attempted to open a previous case with the CFPB, and Navy Federal ignored it. They ran down the time they had and fraudulently closed this case a a " duplicate '' with the CFPB. It isn't a duplicate case and I don't think Navy Federal even looked at it. I was never helped by Navy Federal.  They do not appear to have any management or escalation department. My card eventually was paid with XXXX. The problem at this point is that Navy Federal took so long to pay off my XXXX card after they charged me for it, that XXXX charged me a ton of interest during the balance transfer process. 

THIS IS NOT A DUPLICATE ISSUE. NAVY FEDERAL HAS NOT HELPED ME AT THIS POINT OR TRIED TO. THEY HAVE DONE ABSOLUTELY NOTHING. 

I initially reached out to NCUA and they closed my case immediately, claiming that the CFPB would need to handle this case. There is no other case on this issue and this is not a duplicate case. THIS IS NOT A DUPLICATE CASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: General Motors Financial Company, Inc.
State: AR
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:
To Whom It Concerns : I received a credit alert today ( again XXXX from GM Financial stating that my account is 120 past due, which is incorrect and being erroneously reported to the 3 credit bureaus. I received a phone call from GM Financial the month of XXXX asking for a payment that I did make and to no avail, GM still reported to the bureaus, I was delinquent 120 past due on the XXXX of XXXX. On the XXXX of XXXX, GM Financial reported that the account was a charge off. Today, on XXXX XXXX GM Financial reported that I am 120 days past due. GM received payment from me, $ XXXX  from my insurance ( as the vehicle was totaled in an accident ) ; as well as, GM received money from my warranty YET they are still reporting twice a month which is against FDCPA rules. I have attached a copy of this information to this report. In addition, I was told over the phone by the representative that the account would not be closed if I made a payment, yet as you can see on this credit alert I have attached, after GM Financial took the payment- they turned around and reported the account CLOSED-CHARGE OFF. Now, they are still sending late notifications to the credit bureau??? I am going to sue GM FINANCIAL pursuant to misrepresenting the amount of the debt ; ( 2 ) repeatedly calling me to annoy me into making a payment and reporting this erroneous information after received payments are collected and the company is still reporting false information to the credit bureaus. I receive calls from GM first thing in the mornings, all day, evenings and EVEN on the weekends- Sunday 's for XXXX Sake! They have threatened me saying if I do not make a payment, the loan would be charged off-yet I made a payment and as you can see from the attachments they reported it 'charged off '' after they received a payment in XXXX!!! Additionally, I keep having to block their calls because they are constant. Each time I block them, they call from a different number and the viscous cycle starts all over again!!!! Notwithstanding they have collected monies from my warranty and were supposed to notify me of the amount, they have not and are misrepresenting the amount of the debt! 
GM has continuously reported to all the bureaus false information more than once every month for several months. If I am correct, this is a violation as well, they will send false information one day and then turn around and report something different the next. Please see attached proof and pay special attention to the dates GM is reporting!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2019-05-16
Company: DISCOVER BANK
State: LA
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 previously had an {$8500.00} credit limit with Discover. I was 30 days late on my XXXX card, Discover reduced my limit to {$500.00} because of the late payment on my XXXX card. XXXX did not penalize my account and waived the late fee. Discover dropped my available credit to right about my current balance of {$300.00}. I did not receive a letter stating this as Discover stated they informed me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am enrolled in a debt settlement company, who has sent the company ( XXXX XXXX ) a durable power of attorney to settle my debt. I have answered two phone calls from the company trying to collect the debt and have told them to stop contacting me and contact my durable power of attorney holders to settle my debt. They continue to call 4 times a day, every day, and they have now contacted my family members despite requests to stop. This is an invasion of privacy and against the law to continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: SANTANDER BANCORP
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a response to complaint # XXXX which was responded to us by Santander Bank. Their response is inaccurate and untruthful to say the least. They state that they sent a letter in XX/XX/XXXX and received no response. If they sent the letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then they should've known that I left the property because that's what they agreed to. In fact, the house was listed after that and pad locked so I wouldn't have access. I also gave them my forwarding address and my email address. I lost my job and came to Michigan to live with family to rebuild. Foreclosure was a traumatic experience and I reached out to cooperate so I could move on. 

In addition, if what they are stating is correct, it took from XX/XX/XXXX to XX/XX/XXXX to foreclose? Is that a timely response? Is that acceptable to the CFPB? Below is what they are reporting to my credit report. I just want the accurate information reported, they had possession of the home as of XX/XX/XXXX How could I be late in XXXX, XXXX, and XXXX if I didn't own the property? They sent one letter in XXXX years? They knew I would cooperate because I was in contact with them since I wanted to make the process as easy as possible. I didn't want my house to just sit empty and I wasn't angry with them, I just couldn't find work. I owned the home with no issues for close to 9 years prior to that and I paid on time until I fell on hard times. 

120+ Lates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST ; FORECLOSURE STARTED In addition, I have tried to call several times when I discovered these errors and they were not helpful. I left several messages that weren't returned or they were rude when I did manage to reach a live person. I need the CFPB to help with this for this reason. Thanks,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Waypoint Resource Group, LLC
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: Account information incorrect

Complaint:
Waypoint Resource Group # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
repoorting hippa violation XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.

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 2019-05-15
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:
AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT WHICH IS CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: General Motors Financial Company, Inc.
State: MA
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:
XX/XX/XXXX GM Financial XXXX. XXXX  XXXX XXXX, AZ XXXX To whomever it may concern : GM Financial Account Number : XXXX I am reaching out in regards to my above listed account and the negative reporting GM Financial has submitted to the credit bureau. As of XX/XX/XXXX I have provided GM financial with my registration cancellation receipt as have requested. The XXXX XXXX vehicle I had financed through them was totaled in an accident. I had purchased the vehicle in XX/XX/XXXX and therefore I should not be responsible for the tax in the amount of {$430.00} tax from the XXXX Municipal Tax Collector. As you can see form the attached documents this information was submitted in XX/XX/XXXX as you requested ( Fax Confirmation ). 

My most recent credit report shows that GM Financial has reported this as unpaid and past due. I have spoken with GM financial several times and each time they have confirmed that the tax abetment was approved but they have failed to take any action to have this removed. I have spent several hours on the phone with GM Financial and several weeks waiting for replies. As of XX/XX/XXXX, six ( 6 ) months have passed and they have failed to take action on this. I have also opened several disputes with the credit bureau and each time they reach they have come back with confirmation from you that this amount is in fact past due on my account and the reporting can not be removed. 

They have shown to be very irresponsible with how this matter was handled. I have been patient and provided all info they have required, but this matter is affecting me financially as I am unable to refinance my student loans and apply for a mortgage due to this. I am very disappointed that they have not taken ownership to see this matter through and have allowed it to continue for this long. I have requested a simple letter form them to provide to the credit bureau but after confirming they would provide it over a month has passed and I have not received this information. 
This will be the last step I take before taking legal action towards them for damages due in accordance to the interest paid in loans that I am unable to refinance and have to pay higher rates on due to this reporting. 
I am very disappointed that this matter was not handled accordingly. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
O and L Law Group have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Hello, Thank you for helping me update my credit report in the following complaint Re : Account ending in XXXX Capital One Case : XXXX CFPB Case : XXXX However, Capitol One has reaged the account which has caused many problems. Capitol One has listed the date of first delinquency as XX/XX/2019 ( see attached proof ). This has caused my scores to tank. 

I would also like to say I love Capitol One. I have 2 credit cards, my wife has one with Capitol One. I also have an auto loan with Capitol One. 

Also we are selling our house and have substantial equity and will be opening a new checking account with Capitol One to deposit these funds. 

I just don't want this complaint to come off hostile. I just don't know any other way to talk to a human about these issues. 

That being said this is a major violation of the FCRA. Please delete this tradeline fro all three credit bureaus. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This agency mailed repeated collection notices to my son and shared confidential information in those notices. This was an account they purchased from XXXX after bank would not accept a 5 year payout plan ( I attempted to settle with XXXX ) in 2012 after property was wiped out in a coastal storm. This debt is 7 years old and should be removed from my report. I will not negotiate with these loan sharks! They refuse to remove this from my credit report although they agreed to no longer contact me or other relatives. Thats not acceptable!

Company response to consumer: Closed with explanation