BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
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: Account information incorrect

Complaint:
I purchased an XXXX XXXX XXXX in XX/XX/XXXX. In XXXX of XXXX, I had the vehicle refinance with XXXX. The payments on the account was {$650.00} a month. I was making the payments on time, until we have the government shut down. So, I got behind on the payments. I had a hard time making the payments, so I voluntary to have the vehicle repo XX/XX/XXXX. The vehicle had an balance that was left over from an vehicle that we traded in for the XXXX. XXXX sold the vehicle for {$12.00}, xxx.xx. So that left me paying {$16.00}, xxx.xx on the balance. XXXX is putting an negative item on my credit report, stating that the account is charged off bad debt. The account is not bad debt, because I voluntary had them to come and get the vehicle. The account need to be positive and showing that the balance was dropped from $ XXXX to {$16.00}, xxx.xx

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
We purchased replacement windows from XXXX ( XXXX, FL ) using their recommended funding source ( GreenSky , LLC ). Our understanding was that we had a line of credit with GreenSky that would enable us to pay 50 percent of payment upfront and 50 percent after window installation. There was no problem with the initial 50 percent payment, but the window delivery/installation was delayed through no fault of our own.

When if came for us to pay the remaining 50 percent balance, GreenSky claimed that our original agreement had expired after 60 days. They made us reapply for a loan which they then denied due to a change in our credit rating. We were forced to refinance our loan with a credit union at unfavorable terms.

GreenSky failed to warn us when our loan was about to expire. Even if they had warned us, GreenSky would have refused to pay the remaining balance because the work was not complete. 

What GreenSky is doing amounts to " bait and switch '' fraud. They offer loans for home renovation tasks which they know upfront will take more than 60 days. Then, they force the consumer to refinance the loan at higher rates or they may even deny the loan. 

If XXXX and GreenSky had been transparent with us on the nature of their joint financing, we would have declined to have the work done. 

This has been a nightmare for us as XXXXGreenSky were less than helpful in resolving this issue. GreenSky initially denied refinancing, then said that they would honor our original loan terms, and then they again denied us refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: U.S. BANCORP
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We just bought a home in Virginia with C & F Mortgage. Us Bank bought the note and is not honoring the biweekly payment program written into the note in paragraph XXXX. I just demanded they provide a audit and credit all of the additional interest they have charged, since they put my biweekly payments into a suspense account instead of applying them to the note. They also applied one of my payments to additional principle when there was no instruction to do so, and called to say we were behind on our mortgage several times. I need help with this arrogant and unwilling mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I'm tired of calling GM Financial because all they do say is that everything looks good on their end but they refuse to understand my request. I am in the process of buying a new home and GM financial continue to report a payment due for my lease end on my credit report. I've spoken to them multiple times and they advised me that its paid off on their end. I continue to request for them to remove this from my credit report because it is affecting my ability to get approved for a loan. I returned my lease in XXXX. Its been 5 months I been trying to get this fixed! 

My credit report is showing due {$840.00}, the exact amount for the lease end fee. However, I leased a new XXXX before returning my old one which waived all termination fees and excessive wear and tear. I spoke to 5 agents at GM Financial and even received a letter stating that my account is paid in full. If I lose my chance to purchase my home because of a simple issue like this, I will take further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
FAMILY & EDUCATION ACT1974 PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school

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 2019-04-24
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was behind on mortgage payments but had agreed to a repayment plan. No foreclosure proceedings had began. On a Sunday morning in XX/XX/XXXX, 2 strangers entered my unlocked sliding door. I obviously had a breakdown. 3 police cars came out as I thought I was being robbed. Turned out to be a 3rd party that Shellpoint Mortgage sent. I have had horrible XXXX XXXX  since. 

I reside in a condo so I am required to provide HO-6 ( wall 's in ) insurance. They forced wall 's out insurance although I had my association email them the master policy. The representative had it since XX/XX/XXXXand never updated the system. My agreed repayment for 6 months is XXXX but because of the forced, illegal placed insurance, the amount is over 1300.00. 

So I wouldn't be in default, I made the higher payment in XX/XX/XXXXand was told the payment will go down when the illegal insurance is removed. Also the extra monies paid in XX/XX/XXXXwould be applied to XX/XX/XXXX. I am still unable to make my payment as the system still shows the over 1300.00 payment due and noone can help. The last conversation via email, i was told to contact their IT department. 

Who is the client? I obtained the master policy, made every initial phone call. 

My 4th amendment has been violated as I know longer feel safe in my own home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
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:
im an id theft victim these accounts are not mine XXXX XXXX opened XX/XX/2015 {$51000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : 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 a 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 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : Fraudulent Inquiries XXXX  XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report # XXXX  to the FTC and have attached it below along with my identification info. I repeat. You denied my previous submission because I did not include the Identity Theft report # XXXX even though I attached the report. I assume you will remove these fraudulent charges according to the law now that Ive followed your procedures.

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 2020-01-23
Company: Nelnet, Inc.
State: NY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Thank you for your feedback and supporting document with my previous complaint XXXX. You are clearly looking for the wrong person. The information you provide is someone who lives in Texas, and is a XXXX citizen who stays in US on XXXX form. Where I never lived in Texas and Im a US citizen. Given you claim its my loan, Im sure you know my passport information. So please provide that at your earliest convenience to prove its my loan. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Exeter Finance Corp.
State: AL
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 was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Diversified Consultants, Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have already paid this amount with XXXX off and contacted the debt collector which was over a year ago and they said they've already updated the credit bureaus. Its only updated through XXXX not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting 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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2018-02-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
18 year 's of credit deined to me using my real data as a 50 states IDs scams frauding me and my documents and as retailers business permits and products and skus and 50 states XXXX XXXX products and menu 's and groceries stores containers and advertising and schools and colleges frauding scams using my documents and auto stores and insurance workers and investment reps and XXXX and sales personal and attorneys and lawyers and judges and building permits and banking permits and politican listings and home land development and semi trucks companies and CDLs frauding me and my documents. 

I have been deniged credit cards for 18 years from XXXX XXXX, XXXX, XXXX, and XXXX and thru all banks to for credit cards. 

Even XXXX XXXX Even XXXX 's

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 contacted TransUnion regarding the inaccurate information on my credit report. Despite my initial inquiry, I have not received a response to date. Below are the details of the erroneous information and the necessary corrections : The account in question, XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ), was never late. I request that TransUnion rectify this misinformation promptly 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX I Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from 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 non-monetary relief
Consumer complaint received 2019-11-13
Company: Idaho Housing And Finance Association
State: ID
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 XX/XX/XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/2019. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
This an account that was closed by the original creditor and then purchased by Portfolio Recovery Associates back in XXXX. The derogatory remark was supposed to have being removed from my credit report in XX/XX/XXXX then for whatever reason it was then bumped up to be removed in XX/XX/XXXX. I tried disputing this with no luck and when i called XXXX they said this is on record till XX/XX/XXXX because the shady company Portfolio Recovery sent incorrect information to XXXX to purposely have the incorrect information linger on my credit report for another 6 years. Portfolio Recovery is disgusting company that should be banned and put out of business for the underhanded things that they practice and do.

Company response to consumer: Closed with explanation