BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: General Motors Financial Company, Inc.
State: AZ
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 have a loan with XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX ajnd XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Since XXXX I have been battling with Transunion and XXXX about negative information being reported about my student loan accounts. One with XXXX XXXXXXXX XXXX and the other with US Dept of Education. Student loans were in default Last XXXX, since then loans have been rehabilitated in XXXX, they were then Consolidated. The intention with the rehabilitation was that it would pull loans out of default after 10 payments and then all the negative information reported would be removed and loans refinanced showing a positive account on all credit reports. This has not happened, I have been calling 2 times a month since XXXX speaking with US dept of education as well as fedloans, not to mention XXXX disputes with XXXX and 5 with Transunion. Dept of Ed loans still show a balance with collection status and fedloans keep reporting past due on all reports. I have also been working with XXXXXXXX XXXX  on this and they have not had any luck as somehow the dept keeps getting validated even with the proper documentation. I have attached documentation below to show this, I would not be so persistent but this negative information is preventing me from being able to buy a house.

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 2021-08-11
Company: First Advantage LNS Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive spent 7 months disputing this account based on it not being mine or error as stated, it has been very hard financially being denied for housing based on this data furnished to the credit agency. 

tem was deleted and claimed to be placed in error/ monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently filed a dispute with the credit bureaus in regards to a company by the name XXXX XXXX, XXXX. I have no signed contracts or agreements with this company. 
XXXX and Equifax have both deem this account as verified. XXXX and Equifax has not provided the requested documents supporting their their decision, which leads me to believe that their investigation was improper and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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:
I am a victim of Identity theft. While traveling for business my wallet with my, drivers license, credit cards and social security card was stolen from a rental car. I filed a identity theft affidavit and police report. I sent it to Equifax 4 times. Spoke to two supervisors and faxed to one. My identification was used in an emergency room that I have never been to. 
All information was sent to the collection agency that never contacted me before having this put on my credit file. I contacted Equifax 5 times and asked for it to be deleted and blocked and I was told that it would be taken care of, however 4 days later it is still showing up on my credit file. I called and asked to speak with a supervisor on XX/XX/2019 3 times being transferred back and forward between the overseas agents and the American agents. Every time I have to call Equifax this is how I am serviced as a identity theft victim who has provided them with all documentation. I am also a victim of the Equifax breech. I remained on the line for 45 minutes while sending this waiting once again to speak to a supervisor. I contacted Equifax immediately when MYFICO sent me an alert that something had been added to my credit file on XX/XX/2019. An agent told me that on XX/XX/2019 that this collection of {$500.00} was deleted and blocked. As of today XX/XX/2019 it is still showing on MYFICO and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: IN
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 have tried on multiple occasions to get Experian to follow FCRA and in turn respect my rights in this matter. I have asked Experian to on at least 4 occasion to validate this account, as well as on multiple occasions as Experian to present me a description of the procedures used each of these disputes. Experian refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. 













The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I )  PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
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  There are 16 inquiries on my report that were either fraudulent or part of trans unions inquiry problem, Customer service would not help me and I am in the process of trying to buy a home. These should not be on my report and need 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 2018-02-03
Company: Experian Information Solutions 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:
Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.

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 2019-11-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: MD
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:
XXXX, XXXX and Equifax have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my XXXX, XXXX and Equifax credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the XXXX account collection has been dismissed due to lack of proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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 status incorrect

Complaint:
XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: MI
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 filed disputes with the 3 major credit bureaus Experian, XXXX   and XXXX. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed disputes with the 3 major credit bureaus XXXX, Transunion and XXXX. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX  that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Great Lakes Capital Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of XXXX XXXX for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day XXXX XXXX would no longer sue me. They say they are a company called alternative dispute resolution and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that XXXX XXXX wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from GL Capital Management Company. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: WELLS FARGO & COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted Wells Fargo several times about this issue. Several years ago I agreed to split the mortgage in two, one half to be paid on the first of each month, the second half on the 15th, deducted from my bank account electronically. When my financial situation changed, I arranged to pay once a month, at the end of the month, electronically by myself. When this was arranged, I had already paid off the month and they agreed to start this with the coming month. 
Since then they have added a late fee of 50+ dollars every month, which now adds up to over {$1000.00}. I have never missed a payment, and dealing with them is like pulling teeth. I was even told by them that, because of my late fees, I can not refinance or look for a more decent mortgage company. 
I do not owe this late fee, and I will do anything to get this off my bill. This is one of the worst financial companies I have ever dealt with. The original mortgage company sold me off to these people and I had no choice. Why do we consumers do not get to choose who is sucking the blood out of us? My monthly mortgage keeps going up for all kinds of reasons given, it is now 100 dollars more than when it started, not only because of taxes ( my property taxes are included in the mortgage ) but somehow something needs to get paid and I have no clue what it is. 
Before I get a lawyer to handle this I want you to know about what Wells Fargo does. Considering their track record makes me even more mad that I had no choice in services when my loan was pawned off. We had an agreement that I can pay at the end of the month because of my financial situation and my paychecks, and they do not uphold their end.

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 monetary relief
Consumer complaint received 2018-03-30
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
First off as usual another government XXXX up. There are no categories for what happens. I DO NOT have a student loan yet they call 3 times a week at all hours. This time it was from XXXX. Of course the do not call page doesn't work and I doubt this will help either but go ahead and surprise me. I bet if I threatened some politician I'd get immediate attention but I'm not. I'm begging you to stop these calls. Trace this number, I know you can and lock them all up for harassment. I 's gladly fly to California to testify.

Company response to consumer: Closed with explanation