BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-17
Company: General Motors Financial Company, 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 information incorrect

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports from XX/XX/XXXX to XX/XX/XXXX, regarding GM Financial Bank, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. This account has never been paid late. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. 
Therefore, I expect all these items will be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have contacted TransUnion XX/XX/22 about inaccurate and incomplete information on my credit report. I have asked for verification and proof that the accounts I have asked to be removed but they have refused to send me any of which I have asked.

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 2020-07-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection agency called Gensis Management put a collection account on my credit. It says medical. I have insurance and don't have any outstanding debt. I sent a request for validation but they won't send me anything. Every week they add more money to the debt. I keep getting alerts from XXXX XXXX showing that the balance has increased every few days. This is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 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 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 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 2020-01-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$120.00} XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX   XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX  XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}

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 2020-01-30
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an adjustable rate 1st mortgage with Nationstar ( AKA Mr. Cooper ). My rate is based on LIBOR plus 2.5 % margin. This can change once per year. The terms of my mortgage require the lender to give advanced written notice by delivery or 1st class mail of any any change in payment, which they failed to do. The lender raised my payment for XX/XX/2019 with no advance notice, in violation of the mortgage terms. I wrote several times to get resolved. they claimed they emailed me, which they did not, and provided no evidence of any kind of notice of a change in payment amount. Now they are delaying getting back to me saying they need to do more research. I would like this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Cawthorn, Deskevich & Gavin, P.c.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted the company on XX/XX/19 to get more information on an account that I have being making payments on. I received a court order on my door and was a bit confused in reading it as I have never had this happened before, didnt understand some of the word usage and thought my payment plan would avoid situations like these. I called the company and spoke to a XXXX or XXXX. She was very abrasive and condescending. I voiced to her that I didnt understand and was confused and she kept repeating well if you read the paper .... For one I am very well educated and I did read the paper, I just did not understand it. This company should have someone who is empathetic and talk to people in a manner-able way as you never know what hardships people are experiencing or what they are going through. These bills are the result of me experiencing a XXXX XXXX XXXX which further resulted in me XXXX XXXX XXXX XXXX XXXX after she was XXXX. I try to do the right thing only to be talked in a way that makes me feel as if Im another number in the system. Please do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: JPMORGAN CHASE & CO.
State: MD
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:
On XX/XX/2022 I made reservations for a round-trip flight for XXXX people with XXXX and United Airline XXXX XXXX  to XXXX on XX/XX/2022 and XXXX to XXXX - XXXX XXXX XXXX on XX/XX/2022. See exhibit A for details. 

On XX/XX/2022 I cancelled reservations within the XXXX hour time frame. 

On XX/XX/2022 XXXX confirmed my timely cancellation stating that XXXX payments of {$1000.00} will be credited back to my Chase XXXX XXXX XXXX XXXX within XXXX  days. See exhibit B. 

To date I have been charged XXXX times for the {$1000.00} and credited only XXXX  My Chase statement from XX/XX/2022 shows XXXX charges for {$1000.00} and XXXX credits. See Exhibit C. 

I have filed several disputes concerning this charge, the most recent on XX/XX/2022 claim # XXXX and have had XXXX feedback from the creditor concerning this. 

On XX/XX/2022 I called XXXX, once again explained the situation, and was told to upload documents. I was also told that a temporary hold was place on the {$1000.00}. 

On XX/XX/2022 I uploaded a letter with attachments. See Exhibit D. 

I now add to that letter of XX/XX/2022 Exhibit C from your own website which clearly shows that I was charged XXXX times and only credited XXXX. I do not owe this. There is no question that the re-bill from United needs to be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello My name is XXXX XXXX XXXX, I am trying to taking an old account of mine out of collections. The original collector is XXXX   XXXX XXXX. They say I owe XXXX. However when I call them to settle this account they say they sold it to XXXX, when I contact XXXX they say they sold it to XXXX XXXX. And when I call XXXX XXXX they say I have settled this account. As of today XXXX XXXX is still being reflected on my credit report under collection. Please advise as to what I can do to have this old account that apparently no one has to be removed off my account. Please advise. My number is XXXX XXXX XXXX XXXX XXXX XXXX. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

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

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 2022-09-15
Company: Delivery Financial Services, LLC
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 status incorrect

Complaint:
THIS IS NOT A DUPLICATE REQUEST- YOU CLOSED MY ORIGINAL COMPLAINT XXXX, STATING THAT I ALREADY COMPLAINED ON THIS ISSUE, WHICH I NEVER HAVE. Im not sure how the CFPB is here to support the consumer yet, close my complaint without even sending it to the company. 

Please review the original complaint XXXX and submit it to the company listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper is incorrectly holding early partial payments until full payment is made contrary to what is noted on their app. I have been paying partial payments since XX/XX/2019. As an example the partial payment in XX/XX/XXXX was for the upcoming XX/XX/XXXX bill with other partial being paid on due date. When using the partial payment option on the Mr. Cooper app there is a note that indicates if I want them to hold the partial payment until I have made the remaining payment to contact them. Otherwise they could apply your payment sooner. I never contacted them so it my understanding that my partial payments were being applied as they were made. Instead Mr. Cooper has been placing the money in an unapplied funds until the full payment has been received. I contacted them and pointed out the error. I was advised that their system doesnt allow for a partial to be applied to balance when it is made. When I advised them they had a note on their app saying otherwise I was told it wasnt their practice. I challenged and asked them to explain the note, since I never contacted them to request that they hold my payment. They are adamant that they are able to hold off on applying partial payment until full payment is made. This makes the information on their app misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
FTC Violations XXXX  {$1000.00} XXXX {$5200.00} XXXX {$470.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1000.00} Inquiries : 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 and XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Never live at these addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-04-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
1. XX/XX/XXXX XXXX # XXXX spoke with me to handle my request for a loan verification to submit to my loan officer for escrow. She said it would be emailed to me in 2 weeks 2. XX/XX/XXXX XXXX # XXXX informed me XXXX sent it out then when she looked again told me they cancelled my request because I did not submit verification forms. Though it was in my upload history she claimed she needed employer verification and I needed to resubmit it. I submitted it the same day. She informed me I would get credit in PSLF payments once they verififoed the employer.

3. XX/XX/XXXX XXXX  # XXXX at XXXX PST told me the forms were received and I should expect an email in 5-7 business days to the email on file.

4. XX/XX/XXXX XXXX # XXXX  informed me that although there were no instructions on the PSLF my form was rejected because it didnt follow the MM/DD/YYYY format for my employment beginning date. This was completed and after uploading it 3 times she finally confirmed seeing it to send in for review with the loan verification request.

5. XX/XX/XXXX XXXX XXXX confirmed my documents had been received and were in review. She informed me to call back XX/XX/XXXX if I did not hear back ( get the email with the loan verification.

6. XX/XX/XXXX I get an email saying section 3 which is the start for employment of incorrectly filled out.

I followed the instructions and I am livid that I keep going through the ringer with these people. This company functions like the loanshark for profit company XXXX. You never get the same person, they dont want to give you a supervisor, no responsibility is taken for their mistakes and they lack professional organizational skills.

This is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX  XXXX XXXX ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: USCB, 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:
XXXX XXXX was placed on my credit file without consent when I had insurance at the time of billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : 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 2020-01-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, 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:
I received notifications that several inquiries were reported to my credit file that i did not authorize.

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 2018-10-01
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in XXXX or equipax, it only appears in XXXX, according to XXXX  and equipax I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my credit

Company response to consumer: Closed with explanation