BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: CO
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 an Alert from Experian regarding a change in my credit score. Upon going on line to review the info I found that, according to Experian, my Mortage Company had increased my debt 3 months in a row, despite the fact I am in forebearance, by over $ 6K. Upon reviewing documents from my Mortage Company, there was no such change. Thus the report from Experian was completely false. Note- I would have taken thiis up directly with them but their system for disputes is way too complicated and this is a serious enough error to be taken up with the CFPB.

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 2022-03-01
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a Qualified Written Request ( RESPA ) to XXXX XXXX XXXX XXXX on XX/XX/XXXX via registered mail. Their Loan servicer, LOANCARE LLC acknowledged receipt of the request with a letter dated XX/XX/XXXX well after 5 days of receipt ( 1st violation ). They assured that they take these matters seriously and a detailed written response will be sent no later than 30 days from receipt excluding weekends and public holidays. Per XXXX XXXX XXXX if they are not obligated to respond to my RESPA request, they are supposed to notify me within XXXX business days from their decision not to respond. I have not received any correspondence from XXXX or XXXX since the acknowledgement letter dated on XX/XX/XXXX ( 2nd violation ). It has now been XXXX business days without a response to my RESPA request ( 3rd violation ). This is well past the 30 days required by 12 CFR 1024. As well, I have not been notified of any15 day extension to respond to the qualified written request. I called in to LOANCARE today XX/XX/XXXX @ XXXX central time. The call lasted XXXX XXXX with XXXX , I.D . XXXX. I was calling to make inquiries and was informed that my Home is already in foreclosure status as of XX/XX/XXXX ( XXXX business days after my qualified written request RESPA with no response to or about it ). I was informed that I should call their foreclosure attorney XXXX XXXX XXXX XXXX and their phone number was provided. This is the first time I'm hearing about a foreclosure. I have not been notified by any attorney, XXXX nor LOANCARE. This is also out of line with the FDCPA. Legal action will be taken

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 2022-01-06
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello, On XX/XX/2020, I have taken a lease from GM financial and since the day 1 I am having trouble setup autopay. The error message keeps coming, saying invalid lease account number. I have called numerous times with GM, but they seem like they are not fixing it. As a result, every month, I have to pay with their external vendor XXXX XXXX and they are charging late fees with processing fees. Today, I Paid additional {$300.00} for late payments. This is absolutely unacceptable and they do not care to fix this issue on the website. Why should I pay extra {$300.00} late fees? I even tried to setup auto payment, which has been failed. I was told by the customer service, they are fixing it, but never happened. 

XXXX Account Number XXXX XXXX ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: AFNI INC.
State: AZ
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:
First let me state this. I do not owe XXXX anything I have never used XXXX services and I do not live in XXXX TN nor have I EVER. A quick check of my record will show I have lived in XXXX, AZ at the same address for the past 9 years ( XXXX to present ). Apparently someone used my social security number and the name XXXX XXXX to establish services at XXXX XXXX XXXX XXXX, XXXX TN. I got the address from an AFNI telephone call and a representative named XXXX. My name is XXXX not XXXX, but apparently XXXX is not smart enough to know that XXXX is not the name attached to my social security number. From AFNI I was able to get that this XXXX person had service from XXXX of XXXX until XXXX of XXXX. I have attached XXXX AZ utility bills for  the period in question showing that I lived in XXXX, AZ and not XXXX, TN. 

XXXX apparently tried ( again ) to collect a {$230.00} debt from XXXX which I seem to have to deal with every year in XXXX. Every year I go through this and a different collection agency. This time, I have tried to work with XXXX, AFNI, XXXX XXXX with no results. Only instructions to do this or that and from them I was given wrong URL addresses and telephone numbers. I am fed up with the XXXX run-around. The company should be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021, XXXX XXXX Credit Card put a late payment on my credit report. This is incorrect information. I never missed a payment on this credit card, I have been paying on time for more than 3 years and all payments were made on time. I completely payed off the balance of the card as well.

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 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the datesXX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + TransUnion, According to my XX/XX/2022 XXXX XXXX  credit report you are *still* reporting inaccurate information and refuse to fix this - even though I have filed numerous complaints. 

TransUnion, you are *not* properly investigating these and I demand that you do. 

Attached to this complaint is : - my drivers license - my social security card - my mailing address - my long and detailed written complaint - my complete XXXX XXXX  report dated XX/XX/2022 You need to have these accounts removed immediately as you are reporting them inaccurate and refuse to fix.

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 2020-07-12
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea of charges nothing file by XXXX  at XXXX XXXX XXXX court to call XX/XX/2020 XX/XX/2020 no change in the report this a fraud by the XXXX  and Collection Agency theft by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The issue is that I was unaware of a balance from this company and have not received any bills or letters stating that there was a debt to collections. Also, it is reporting that this account is new on my credit on XX/XX/2019. I have not opened any new accounts in two or more years.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

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 2019-03-05
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, NCC Business Services Inc. placed a collection with the major credit reporting agencies for XXXX on my credit report. I have reached out to them with certified letters and they still have not given proof of the debt and then when I sent a second letter to get more detail they stopped responding to me altogether and continued to report the negative remark on the 3 major credit bureaus. In their first response, they showed me a copy of a lease I signed back inXX/XX/XXXX & XX/XX/XXXX but nothing showing that I owed anything. I paid rent and moved out on the last day of my lease back in XX/XX/XXXX. I reached out to the major credit bureaus, XXXX, XXXX, & XXXX via certified letters and they refuse to remove it as well or give an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who Midwest Recovery Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Midwest Recovery Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I attempted to contact Midwest Recovery Systems via Certified Mail, Return Receipt # XXXX XXXX XXXX XXXX XXXX and they not respond. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Midwest Recovery as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Midwest Recovery Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Midwest Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
Unauthorized Inquiry from : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I made a payment of the incorrect amount to XXXX XXXX XXXX, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!

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 2018-02-11
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:
Hello, There are certain hard inquiries on my credit report which I have not authorized. I contacted Equifax and they told me that they will dispute but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Equifax, XXXX XX/XX/2020, I sent a CERTIFIED letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

The following negative account is listed below : XXXX XXXX # XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
My wife and I are joint holders of a Citi Credit Card, which is predominantly used by her. The card has been charged from the inception of its account for " Payment SafeGuard '' for a service we did not select. We were not aware about this charge until I saw the credit card statement in detail today. When we spoke to the representative he mentioned that it is our job to call and tell Citi that we do not need this service. 

More on the Service : https : //www.cardbenefits.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB has already caught Citi for doing this before. I also believe that this matter is the same as : https : //www.consumerfinance.govXXXX We would like a full refund for this charge from the inception of the account.

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 2020-05-22
Company: Experian Information Solutions Inc.
State: MN
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:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2018-02-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Yes I have a claim on my report with derogatory marks that was obtained during a period of time that I was XXXX. I was XXXX in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX the fraudulent activity on my report transpired In XXXX. I do not know how this is possible but please let me know what I have to do to prove my innocence and get this matter corrected. 
Thank you, 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 explanation
Consumer complaint received 2021-02-02
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Received notice from Paypal that my account was limited permanently for violating terms of use, however I never violated any of the terms and they won't tell me what term they think was violated. Account has {$7700.00} that they are holding for 180 days. Called XX/XX/21 to ask for clarification was told that nobody can tell me why it was limited, but no other option than to wait 180 days. 

I recently stopped using Paypal because XXXX moved me over to managed payment. My guess is that I was flagged for keeping a higher balance and that they are holding my money to collect interest knowing that I am no longer collecting money through their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I HAVE THIS CREDITOR ON MY XXXX CREDIT REPORT THAT WILL NOT AND HAS NOT UPDATED THIS ACCOUNT SINCE MY BANKRUPTCY XXXX WAS DISCHARGED IN XXXX OF XXXX. THE OTHER 2 BUREAUS HAVE UPDATED THIS ACCOUNT SEVERAL TIMES AND THE MOST RECENT UPDATE IS WHAT I'VE BEEN TRYING TO DISPUTE AND NOT GETTING ANYWHERE WITH XXXX  AND THAT'S WELLS FARGO HOME MORTGAGE. IN THE LAST FEW MONTHS I'VE BEEN GOING BACK AND FORTH WITH WELLS FARGO AND XXXX TO FIND OUT WHO'S RESPONSIBILITY IS IT TO UPDATE MY ACCOUNT CORRECTLY. LAST XX/XX/XXXX THIS WELLS FARGO ACCOUNT MORTGAGE LOAN WAS PAID OFF AND CLOSED. DON'T KNOW HOW TO EXPLAIN IT OR WHAT, BUT THE OTHER 2 BUREAUS HAVE MADE THE RIGHT CORRECTIONS AND UPDATED THE ACCOUNT. THEY BOTH SHOW CLOSED AND PAID.CI HAD ADVISED WELLS FARGO OF THAT YESTERDAY AND THEY STATED THAT THEY CAN'T UPDATE MY ACCOUNT AND HAVE NO AUTHORITY TO SHOW MY ACCOUNT PAID AND CLOSED. I SAID MY HOUSE HAS BEEN REFINANCED AND I NO LONGER HAVE TIES TO WELLS FARGO PLEASE UPDATE MY FILE AND SEND IT TO XXXX THEY STATED AGAIN THEY CAN NOT. I MENTION TO THEM THAT WELLS FARGO IS RUINING MY CREDIT BY LEAVING THIS OPEN MORTGAGE ON MY CREDIT REPORT. ALL THEY KEPT SAYING IS SORRY AND CAN'T HELP YOU. I SAID SORRY BUT YOU NEED TO DO SOMETHING IF THE OTHER 2 BUREAUS ITS UPDATE LAST YEAR WHEN WE REFINANCED. 
*******PLEASE HAVE THIS FIXED AND UPDATED SO MY XXXX   CREDIT REPORT SHOWS PAID AND CLOSED!!!!!!!!!!!!!!!! PLEASE PLEASE PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXXXXXX  I submitted a dispute to XXXX  requesting that inaccurate information being reported on my credit report be validated or removed. In received no validation. I then submitted a follow up dispute on XX/XX/XXXX. Once again I received no validation

Company response to consumer: Closed with explanation