BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: General Motors Financial Company, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, In XXXX I got a new leased XXXX XXXX. The lease was for 3 years. During the course of this loan, I had XXXX issues with GM Financial 's auto payment system. Once in XX/XX/XXXX and once again in XX/XX/XXXX. When I realized it happened again, fearful my credit would be penalized, I paid off the remaining months of my payments early. When I returned the vehicle early, I was charged again with additional fees that were all paid on the date of return and the account was officially closed out by GM XX/XX/XXXX. 
This all shown and recorded on XXXX. 
The past few years my husband and I have been looking to purchase a home. We went to sign mortgage documentation XX/XX/XXXX, I noticed that it incorrectly showed an active loan with GM Financial. When I informed our lender, they let me know " There is a GM lease still showing up on your credit for {$1800.00}. '' This does not show up anywhere on my XXXX or XXXX report shown in XXXX. This is the first this has been brought to my attention and I believe this has been negatively impacting my credit the past 3-4 years now. I tried to resolve this issue with GM Financial and they seem next to impossible with communicating. I can not access my GM Financial account because I no longer have an account number which is required to login. After further investigation, I saw I'm not alone and this has happened to other GM XXXX XXXX consumers who turned to the law for help. I'm not sure if this is the right avenue to turn, but I'm hoping to get this situation justified without having to pursue legal action. I feel they have violated the Fair Credit Reporting Act. Thank you for your assistance in helping to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good Evening Victoria Secret! - My name is XXXX. XXXX, and I'm extremely concerned about my credit report. By the way ; how are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2020 for 30 days late. This is surprising because I have an excellent track record 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was a hard inquiry completed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 under my identification : Trans Union reporting : best resolution is to hard inquiries remove from the Trans Union reports from XXXX XXXX XXXXXXXX submitted XX/XX/23

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: TN
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 submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates is still sending me letters and calling my phone. I just got a new letter from PRA on XX/XX/XXXX on the same debt. On XX/XX/XXXX, I received a call from PRA regarding this debt and informed them the debt in question is over 7 years old ( the debt originally occurred in XX/XX/XXXX-XX/XX/XXXX. They continued to try to get me to pay on a debt outside of the Statue of Limits ( SoL ). I had also informed them in writing back in XX/XX/XXXX but lost proof during a move. Once they contacted me again, I sent a new FDCPA Cease & Desist letter on XX/XX/XXXX.  I still have a copy of letter I sent them and they refuse to follow the law. They also refuse to remove this debt from my credit reports and keep reporting the wrong date illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX 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  reported XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to bel
ieve that the information is inaccurate.

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 2020-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Below is an e-mail I sent to on XX/XX/2019 to loan care after they finally provided me with an e-mail. I attached supporting documents to support my case. The issue was never resolved. Calling the company proved futile. Due to a job relocation, I bought a new home with a much higher APR due to my affected credit score. This is affecting how a purchase moving forward. 

Regarding loan number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX tarnished my credit score my sending an inaccurate account to Equafax stating I did not pay three months. PLEASE, Im begging at this time that this be removed. I went from a XXXX credit score to XXXX because of XXXX, this has affect the purchase of a new home, caused months of emotional anguish, humiliation, frustration and anger. 
PLEASE, after many many attempts to get this correct and speaking to various customer service reps who all have told me different things and given me all different information, I finally received an e-mail to direct this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
American Express isn't the proper creditors as of XX/XX/2023, American Express has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX # XXXX Account number : XXXX Debt validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX CO XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo has agreed to pay than {$2.00} XXXX directly to over XXXX XXXX customers affected between XXXX and XXXX as part of the {$3.00} XXXX settlement. 
I've lost my home to foreclosure. The case is attached.

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 2018-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was called on XX/XX/18at XXXX by Portfolio Recovery Associates operator XXXX attempting to collect the credit card debt. They have been advised to place a cease and desist on this debt and if needed to continue all further communications through correspondence. They did not follow that request and continued to call me every 2-3 days for various months. I reiterated the cease and desist at the above time and provided last 4 of social if required to authorize for their recordings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a CARES Act Forebearance on my mortgage and the forebearance ended according to Carrington on XX/XX/2022. Now that the forebearance has ended, Carrington is asking that I pay all missed payments during the time my loan was on CARES Act forebearance immediately. Carrington is threatening me that if I don't pay they will take away my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check for {$5000.00} and tried to deposit it into my Chase checking account via the Chase Banking app, and it erroneously told me that it was a duplicate check. I have received checks every month for the same amount, but different checks with different numbers! After calling several times, I had been given info that perhaps the system was down, or that I was above the daily limit, which the one person said was changed to {$2000.00}, although I have never been informed of that. In fact, the app says my daily limit is {$5000.00} right when I want to deposit. I finally was told to send it by mail ( from XXXX ) and I sent it by expedited mail, and it still is not credited to my account, almost 2 weeks later. I think they should have a way to tell that the check was not a duplicate, and I would like to know if they are holding on to my check. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Radius Global Solutions LLC
State: CA
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 am a person who values my credit highly and my rights as a consumer. I am very meticulous about anything related to my credit and credit in general. I monitor my credit very closely sometimes daily.On XX/XX/XXXX I logged into one of my credit monitoring accounts and noticed that my score had dropped XXXX points with no explanation. when there is a change to my credit I am alerted immediately, this day I was not. My report was showing a new collections account for {$1900.00} from '' XXXX XXXX XXXX XXXX XXXX '' that I have no knowledge of. There was also a late payment added to my XXXX report by the same company showing the collection account. To receive a late payment you have to be late/delinquent on an open account " from my knowledge ''. I have never received any communications from said company. " Radius Global Solutions ''. My Credit reports shows Radius Global Solutions LLC out of XXXX Florida placing a inquiry on my credit file in XXXX. My report shows Radius Global Solutions out of XXXX MN trying to collect the debt. I have reached out to both companies by Certified Mail with a Debt Validation letter, " Radius Global in XXXX Florida '' and " Radius Global in XXXX Minnesota ''. No response has been received. 
This is not the first time I have dealt with this kind of negligence. Last year during the first week of XXXX a different company " XXXX XXXX XXXXXXXX '' illegally reported the same account that Radius Global Is reporting now. In XXXX when XXXX XXXX XXXX reported the same account I reached out to them immediately and told them the account did not belong to me and that I would report them. XXXX XXXX XXXX  removed the account from my report. Now seven months later I am dealing with the same issue but from Radius Global Solutions this time. I have no knowledge of this debt that is being reported and would like for these companies to stop reporting this false information.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested for the bureaus to honor Paragraph 7 of Section 611.a of FCRA gives you the right to demand a description of the investigation. Thats when the method of verification letter come into play. I have requested Method of Verification still WILLNOT SEND ME INFORMATION. I WANT TO KNOW HOW THEY ARE OBTAINGING THIS INFORMATION FROM ORIGINAL CREDIT AND WHAT THEY ARE RECEIVING FROM THE ORIGINAL CREDIT ... ITS MY RIGHT AND THE LAW. There are several inaccuracies on my credit report including inquiries.

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 2019-08-10
Company: NCC Business Services, 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:
I recently discovered that a collections listed under Chapter XXXX BK although paid was a results of ID theft. I tried explaining this to a collection company NCC who I have never signed and contracts or documents with nor I have ever signed any contracts with the original debtor. I have never received the documents validating anything was signed or proof they believe it belongs to me. NCC is fully aware of my position but refuses to remove this from my file. I will be contacting the original credit as well as NCC to file suit immediately upon submitting this complaint. Ive been trying to settle this matter since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: Account status incorrect

Complaint:
My credit report is still showing an account # XXXX with a balance that has already been paid off in XXXX of 2023. I made a payment of {$5200.00} on XX/XX/2023, the payment was posted by XXXX but they never updated the account to XXXX status. I sent XXXX a billing error dispute for correction of this violation XX/XX/2023 pursuant to 15 USC 1666 ( b ), ( c ), ( d ) and ( e ) but have not received a response.

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 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to TransUnion & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.

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 2023-09-06
Company: EQUIFAX, INC.
State: SC
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:
Credit dropped XXXX  points on XXXX XXXX, cant find out  Y, they keep saying thats a combination of different info but Cant get Actual proof. They keep me going around in Circles. The XXXX XXXX XXXX XXXX XXXX cant give a Straight answer either. I really Need Help ! ! !        Thanx

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Lending Club Corp
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, I overnighted a payoff on XX/XX/2022 and the funds were received on XX/XX/2022 and have yet to be applied to my loan. When I call, I'm told they will not back date my payment ( stealing interest from me ) and it can take 10 business days to apply my funds.

I've asked to speak to a manager several times and am never given one to talk to. 

XXXX tracking information XXXX Thank you for your time.

Company response to consumer: Closed with explanation