BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-16
Company: EQUIFAX, 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 understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX   all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from Equifax, XXXX, and 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 2020-10-14
Company: General Motors Financial Company, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection agency that represents GM Financial calls me 2-3 times a day. The agent speaks so quickly that I can not make out the details of her Agent ID # or telephone number in the voicemail. When I call the collection office, they tell me they have no record of my telephone number even though I receive 2-3 calls a day. 

I have never bought or leased an automobile with GM Financial. I have spoken with two agents at the collections office ; however, neither were able to tell me why I am receiving collection calls from GM Financial. I would like to remedy this situation to see if it is a fraudulent account, but I am receiving no assistance from the office contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: FL
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:
Experian continues to report Fraud information on credit report. They verified they received FTC, Police Report and Identity Theft report and continue to claim information is correct. All other reporting agencies have done proper investigation along with their third party and determined it was a fraud bankruptcy filing in 2017. The Bankruptcy List as XXXX XXXX and not XXXX XXXX, SS number on file is not listed as XXXX XXXX it's Listed as " XXXX ''. Therefore for Experian to say information has been verified that is incorrect and they continue to report Fraud and not conduct a proper investigation. When asked who provided the information was correct or what source I was told they didn't have to give me that information. When asked to speak with supervisor, I'm always transferred to the voice mail of " XXXX '' from the Team Integrity department, left messages and received no response. Experian has fail to comply with the Fair Credit Act

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 2021-04-12
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: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have had Barclay credit card for almost 5 years. I paid my credit card off and then a payment hit from XXXX. It went two months without being paid and never received a phone call. If it was way more I wouldve received a phone call. Well it hit my credit report for a delinquency over {$4.00}. Ive never missed a payment since I have owned the card. It killed my credit score. I just want it removed or a note added to 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 2018-12-16
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX was on contract with my insurance to provide maintenance at no charge to me and only accept what the hmo paid. I had a XXXX XXXX problem ( my XXXX  were painfully loose and leaning every morning ) they submitted as a routine XXXX clean instead of medical. My insurance sent me a letter explaining I am not responsible for their error and I owed nothing. I then received a collection letter and responded immediately. I faxed the insurance verification that I owe no money. XXXX XXXX thanked me for the fax and said they would take care of it. The next morning, the collection was on my credit report They didn't even wait the 30 days the collection letter allowed to resolve the matter. Suddenly a collection was on my account. I received a letter last week from choice recovery verifying I saw the dentist. That was not the issue. The issue was the responsive party for payment. I called and they ignored my call. I can't ignore this because I started applying for a usrda loan 2 days before this occurred. I have documents to upload to verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me 5 times a day after I've told them I can't make a payment until I get paid on my pay day. They continue to call 5 times a day.

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 2018-07-10
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 a debt validation pursuant to law was requested from Resurgent Capital Services and was signed and received by a XXXX XXXX on XX/XX/2018. In a letter dated XX/XX/2018 validation was not satisfied as requested since all that was received was a notice that I have a right to substantiation of debt. There was no clear proof that the debt was accurate or valid, in clear violation of 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. Not only did I not receive the requested validation, the amount of debt, proof of service, or proof of ownership was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Account was wrongfully closed

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 2018-12-16
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hello. During XXXX I was shopping for a personal loan for wedding expenses. I checked with XXXX and Prosper. I applied with both. After reviewing the terms of both companies, my fianc and I decided to move forward with the loan with XXXX and not with Prosper. I sent an email out to Prosper advising them that I do not wish to proceed with funding the loan because the rate is too high. I also called them and they had told me they would research it at the time and make a stop. However, Prosper ignored my request, never reached back out to me or replied and funded the loan. I have been battling with them to give them tehir money back, and I refuse to pay their origination fee of {$1700.00} since I never agreed to finalize with them on the loan. Prosper continues to ignore my request and they are threatening to report delinquent payments to my credit report and they are standing by and saying I am responsible for their loan including the origination fee. Please assist me in getting Prosper to take their  money back by sending me a payoff demand minus their unlawful origination fee. 

Thank you

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 2020-08-29
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:
On XX/XX/XXXX I have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19

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 2020-11-13
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX on XXXX I spoke with a XXXX XXXX and was going to purchase a XXXX he seemed extremely sincere genuine legitimate. I was gon na pay through XXXX and he refunded that as there wouldve been a hold and then XXXX XXXX there was a limit and XXXX XXXX but I didnt know how to use that so we went through XXXX which I never used before and I thought it was safe and through my bank but its not and I lost XXXX I asked my bank to dispute lastnight PNC before it went through the said they couldnt stop it that I would have to call back to get my dispute and money returned and today they said there wasnt anything they could dispute and said it was my fault basically and to file a police report but I havent been able to reach anyone but left several Voicemails Ive tried contacting XXXX they cant help Ive contacted or attempted to contact XXXX XXXX as well as the seller on every avenue I could email, phone, text, social media. He stole my money that I paid Im good faith thinking I was protected by XXXX and my bank how can this be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am not sure if I am directing my question to the correct party, I entered into a loan agreement in XX/XX/XXXX. I missed a few payments at different times which had my account in a past due account however I made monthly payments. in XXXX my car was repossed 2 times, once in XX/XX/XXXX when I asked if I could make the payment on a Friday .. my  car was picked up at XXXX XXXX  and the payment was made at XXXX which included a bunch of extra fees, on XX/XX/XXXX at XXXX XXXX  my car was repossed again. I spoke with Snatander on XX/XX/XXXX, and XX/XX/XXXX and letthem know of my inmtention to pay on XX/XX/XXXX, my pay schedule and was told my car was going to be picked up. my account has XXXX in late fees which are charged at XXXX dollars a day, my car was in the shop twice in XXXX for major repairs ( replacement of the transmission which caused the car to stop in the middle of the street ) which I needed to rent a car for about 2 weeks that cost about 300.00- thus causing the payment to be behind a month- which was XXXX per month on top of XXXX dollars a day. In XXXX my car was in the shop for at least 30 days, because the drive shaft needed to be replaced I spent over 600 dollars renting a car for a month while XXXX worth of repairs were done. I asked Santander on more than one occasion if the late fees can be on hold while repairs were done or if they could push a payment to the end of the loan. I was told they could do nothing in regards to the late payments and they would continue to add up and they only push one payment back during the 72 month loan term which when on my credit report appears as 83 months. I have paid over 20,000 on the loan, the principal balance was XXXX and I am being told I my estiamted payoff as of XX/XX/XXXX was XXXX. I am not sure if any assistance can be provided or if I am even contacting the correct party. If there is a class action suit against them, I would like to be a part of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account name XXXX  XXXX  is reporting a repossession that is incorrect. This information was challenged a little over a year ago. This account was dispute because it could not be verified. My ex wife filed bankruptcy in 2015 and put the joint account on a payment plan. This resulted in the unverified information to appear back on my report. I resubmitted a re-investigation for thid account again. 2 credit bureuas XXXX and XXXX  deleted the item but transunion will not budge. I have called transunuon, sent letters and have given the creditor 2 months to verify the information and still it comes back unverified by transunion will not remove the account. Federal law states that if any information is to be re-inserted back on the consumers credir report the credit bureuas have to notify the consumer within 5 days. This was not done. I am requesting this inaccurate information be deleted as soon as possible due to a violation of the FCRA section 611.

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 2018-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 have had my bank of america account for over 3 years now. And have been making payments 100 % on time since XX/XX/XXXX. 

Back in XX/XX/XXXX there is a mark that shows that I missed the payment. Although the payment may have been delayed, I believe that for good will this should not be counted against me. Due to momentary financial issues I wasn't able to pay but I have before then and since then.

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 2018-12-16
Company: Experian Information Solutions 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:
Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion should not be reporting that I am ( 120 ) days late on the XXXX  XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it would be impossible to be late on an account that has no balance due. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this item however, I have not been successful.

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 2021-10-04
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sold a XXXX XXXX XXXX to a stranger for XXXX XXXX Upon sale the title was signed over to the new owner, I filled out and submitted a Release of Liability online to the CA DMV. On XX/XX/XXXX, I received a letter from a debt collection group called Finex Group, LLC Collection Services stating that I owed {$2600.00} for this vehicle, which was towed to and held at a tow yard two days after I sold it. I called Finex and explained that the vehicle no longer belonged to me and that a Release of Liability was filled out and submitted with the DMV, however they stated that they did not care and insisted that because at the time of tow the vehicle still showed me as the registered owner, that I am liable for this debt. I have since obtained a certified copy of the Release of Liability from the DMV ( attached ) which I have shown to Finex, but they continue to insist I owe the debt. I have spoken to the DMV Investigations Division Offices in XXXX and XXXX XXXX, of which representatives from both offices have informed me that regardless of whether or not I was the registered owner of the vehicle when it was towed, I am not liable for this debt since I have filled out the release of liability. During my attempts to contact Finex Group and dispute this debt, they have maintained that I owe this alleged debt, and that the amount of the debt is increasing daily due to interest. They have also threatened to damage my credit score. 

I must note that due to issues with a pending transaction with the CA DMV, the Release of Liability I originally submitted was received but not processed. It is however still shown on file as submitted, as seen on the certified copy of the Release of Liability. I have since re-submitted the original document to the DMV, and it has been processed on XX/XX/XXXX and backdated to the date of sale ( XX/XX/XXXX ). Representatives from both the XXXX XXXX and XXXX DMV Investigation offices have assured me that this is still valid proof that I do not owe this debt, as Release of Liability notices can lawfully be backdated with full validity. 

I believe that I am not liable for this alleged debt under California Vehicle Code 5602, and that the amount that they are attempting to collect from me qualifies as extortion under California Civil Code 3068 ( Section c1 ).

Company response to consumer: Closed with explanation