BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-26
Company: General Motors Financial Company, Inc.
State: MI
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:
On XX/XX/2018 I disputed an account with XXXX  and submitted documentation showing that the account was paid in full and settled on XX/XX/2018. On XX/XX/2018 the account came back from GM Financial reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing GM financial showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: J. Ritter Law P.C.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have submitted a complaint first on XX/XX/XXXX, today I followed up with J Ritter Law and sent them an intent to settle. I just want to add this to my paperwork regarding my complaints. I have added the updated sheet of the violations and sent them the notarized copy. Thank you I cant wait to hear the response and move forward

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 confidentially under 15 USC 1681. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX  XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe 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 2017-09-21
Company: United Debt Holdings, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XXXX XXXX of XXXX, I took out a payday loan with XXXX XXXX XXXX in XXXX, Indiana. The amount that I borrowed was {$600.00}. The loan was due to be paid on XXXX XXXX, XXXX. On XXXX XXXX, I and my family moved out of the apartment complex we were living in. I forgot to pay the payday loan that was due. I got a phone call from XXXX XXXX XXXX that this money was due. Instead of us going in to pay the loan amount due in person, the company always took the amount out of our bank account. There was not enough money in the bank for them to collect the money for the loan. That is when the problems started between us and XXXX XXXX XXXX. They harassed us about this money due. We did not hear anything from them for a while. I was going to try to take out a payday loan where I live now. When I tried it, they denied me because they said that it showed that I had an open loan out and I could not get the payday loan. I have called XXXX XXXX XXXX to try to get this settled. They gave me the number to their collections department. When I called the collections department, they said that they had sold my account to a collection agency. The person talking to me gave me the number to the collection agency. I called that agency and all I got was the person that I was supposed to talk to their voice mail. I left a message and he or she did not get back to me. I am still trying to get in contact with this company and am not having any luck. Please see what you can do to help me get this matter settled. I recently tried to apply for a payday loan and got the same answer. That there is an open loan out there and I can not get a payday loan because of this problem. Thank you in advance for your help.

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 2023-01-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted Wells - Fargo several years back and told them I did not have a credit card with them and I file a complaint with the police in 2018 and Wells Fargo stated they were going to closed the fraudulent account that was in my name. I see now they didn't close it and left it open for the person who stole my identity to keep it open, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the state of SC and I will not put up with a bank to take advantage over me. I want this account closed and close it as fraud because Wells Fargo was warned several years back that this account was fraud.

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 2018-10-27
Company: CITIBANK, N.A.
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:
This is reference to a CITIBANK Add-On card ending .... XXXX in the name of my daughter that was stolen on the evening of XXXX XXXX US EST. Soon after it was stolen, 5 transactions were carried out [ using this card ] at a nearby store in XXXX, even without using the PIN. The amount was close to USD 5000. The card was blocked immediately following the transactions. 

My daughter filed a complaint with the XXXX Police, informing them of the theft of the card. A copy of the complaint number is attached. Also attached in the XXXX and a detailed copy of the police report. 

Thereafter, I had spoken to executives at Citibank confirming the theft and the nature of transactions performed. I was informed that the transactions were now being considered 'disputed ' and a decision to this effect will be taken. 

Have being speaking to the executives on multiple occasions with no response. The amount is still shown to be outstanding in my 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$510.00}.

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 2018-10-26
Company: Account Control Technology, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a company that claims they have my student loans. the company calls all the time and tries to contact me through my family and co workers. they say they got my loan from navient and that they are to collect the debt. They had incorrect personal information about me and I dont feel comfortable talking with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
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:
EQUIFAX continues to violate FCRA 605C I, XXXX XXXX the natural person Original Creditor, authorized representative for the natural person, am the Federally Protected Consumer, Principal and Authorized Representative for all accounts created by his autograph. The purpose of this correspondence is two-fold 1. Asking the Bureau / CFPB why it would allow the CRA Equifax to willfully knowingly violate a consumers rights. 
2. Questioning the Bureau / CFPBs methods, as to why it would allow the CRA Equifax to disregard XXXX XXXX Consumer enforcement action and demand for compensation. 
3. Proving to the Attorney General, FTC and the CFPB that Equifax did in fact violate the Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) and the TILA and FCRA QUESTION : Is it true that the amendments to REGULATION V are now law? 
QUESTION : Is it a fact that Equifax ( the CRA ) is knowledgeable/aware of the amendments to Regulation V, the subject of which is to implement the Fair Credit Reporting Act ( FCRA ), addresses recent legislation that assists consumers who are victims of trafficking. 
QUESTION : Is it a fact that the LAW, 15 USC 1681b ( a ) ( 2 ) outlines the specific PERMISSIBLE PURPOSES that a CRA may furnish a consumer report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
US Bank has had the funds for the next due mortgage payment since XX/XX/XXXX.  They have once again applied the funds as a principal only pre-payment without the written notification as required by section 4 of the mortgage note. 

I requested that they reverse the funds and apply them as a mortgage payment on XX/XX/XXXX. They did not respond or correct the payments.

I requested that they reverse and apply the payment correctly a second time on XX/XX/XXXX. They still have not responded or corrected the payments. 

They are have been very clear that they do not believe that they are required to follow the terms of the mortgage note and can apply the funds how ever they feel. To the point of not covering the mortgage payments when they have funds to do so.

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 2020-09-11
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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft and Equifax is violating my rights under The Fairs Credit Act. I have faxed and mailed several documents to Equifax about fraudulent accounts, credit cards, addresses etc and they refuse to delete this information under the Fairs Credit Act. I have sent over my Identity Theft Report from FTC and IRS Identity Theft acceptance letter as well as statements, blocking letters etc. and they have refuse to remove this information from my credit report. XXXX and XXXX has already deleted these fraudulent inaccurate information from my reports but Equifax refuses to. EQUIFAX IS IN VIOLATION OF FEDERAL LAW AND VIOLATING MY RIGHTS UNDER THE FAIRS CREDIT ACT UNDER SECTION 605b. 

Last certified mail to Equifax Information Services, LLC XXXXXXXX XXXX XXXX XXXX, GA XXXX was mailed on XX/XX/2020 via certified USPS mail and Equifax have not updated and block these inaccurate accounts.They have also block my online access to myEqfuiax.com and are not responding to my disputes and Identity Theft claim. Equifax is in continued violation of my rights as a U.S citizen under the fair credit act. 
XXXX XXXX responded to my request and verified that the account was a result of Identity theft and had to force Equifax to remove this account. There are still 2 fraudulent XXXX accounts that Equifax has refused to delete under the fairs credit act. If Equifax continues to violate my rights under The Fair Credit Act.  I WILL FILE A LAW SUIT AGAINST EQUIFAX for DAMAGES FOR A NEGLIGENT VIOLATION if this matter isn't resolved correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: AL
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 contacted the credit agency with a police report from XXXX XXXX XXXX, affidavit, and also my ID and submitted these forms to them along with identity theft report. The credit agency denied that I was a victim of identity death when clearly shown proof of crime. I also called the agency by telephone several times about the issue with still no resolve. 

My rights have been violated because they did not provide reasonable determination investigating of provided evidence of crime according to the fair credit reporting act of 1970

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: CA
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 received information my mailbox was broken into all my personal information was stolen postal inspector validation the situation a I so my identity was taken sone been using my name I called a creditors and all credit co no action was taken on my credit report

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 2018-10-25
Company: General Motors Financial Company, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted GM several times over the past year regarding online bill pay issues and my issue has never been resolved. In the past year, the payment system had issues, went down, reported the incorrect amounts due, the auto pay stopped working for us on only 1 of our accounts ( we have 2 loans through GM and money is taken out of same bank account ). At one point for 2 months, I received a message through the online portal that the system was experiencing issues and " nobody would be charged a late fee or be reported to the credit bureaus ''. This was a lie. 

I have attempted to resolve this issue several times with no success due to never being able to figure out what the issue is with the customer service team. Now my credit report states that I have been late in XXXX, XXXX, and XXXX. I have another account through GM with the same bank account, and have never been late. This account is the only one I've had issues with and getting them resolved seems impossible. My perfect credit score has been ruined from this experience. The lack of customer service is appalling and uncalled for. I just spoke with a woman on the phone who did not listen to a word I said and basically told me I was lying about what I was telling her and arguing with me at every turn. Instead of trying to understand, she just kept interrupting me and finally I asked to speak with a manager. I was transferred to XXXX who was equally as unhelpful. 

Previously, last week on XX/XX/18 I spoke with a man in customer service who told us that the past due amount was {$40.00} and we could pay it online and all would be fine and all would be caught up and if we disputed the issues on the credit report, he would enter a note so that the errors were corrected. He never said that we had a past due PAYMENT. We paid the amount of {$40.00} and now the system says we owe over {$1000.00}. I can not seem to get a straight answer of what happened or where the error occured because I'm not being heard. Because of this, my credit score has been affected and I believe that is unfair due to the fact that I have been calling in and communicating via the online system and still am having issues that clearly haven't been resolved. This is one of the worst experiences I have ever had paying any of my bills. I'd like to have this resolved immediately however the only thing I am hearing from the customer service department is " I understand, there's nothing we can do over the phone. '' The manager also said she wasn't responsible for what her employees say and told us he failed to write notes in the file based on promises that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I was using Venmo buy and sell goods..i wasn't doing anything wrong that i know of all the sudden they froze my account with no reason why i still have XXXX in the Venmo account they will not unfreeze it so i can get the money out..i am a XXXX  mother  of XXXX boys i don't have a job and i depend on that money to pay my bills and buy food for my kids..i wasn't doing anything that went against their rules..i have emailed them spoken to them chated with them and they will not give me a reason why..the permitly desactived my account with my money still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, 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:
i notified the credit companies and disputed fraud accounts on my credit report and nothing has changed since last year

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
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: Account status incorrect

Complaint:
I contact the Equifax credit reporting agency to inform them that 1 ) the  information reported by XXXX XXXX XXXX aka XXXX is intentionally isleading and false. I to ; d them Ive traveled back to TN to address and resolve the issue, Ive notified their property management company XXXX XXXX executives all issues I addressed in my complaints and filed with the courts, and the fact I won a judgement and it is final, against the XXXX XXXX XXXX dba  XXXX XXXX XXXX. I requested that bothEquifax and the XXXX XXXX XXXX  ( by way of XXXX XXXX XXXX XXXX ) remove this negative file from my credit report. Now, Im filing this complaint against Equifax, since they are refusing to remove this from my credit report. I provided Equifax the certified judge, ent, the action filed ( that I won ), and all supporting evidence.

Company response to consumer: Closed with explanation