BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX XXXX, applied for an auto loan and were approved by GM Financial. The term of the loan is seventy-two ( 72 ) months at 0.00 % APR with a first payment due date of XX/XX/XXXX. 

The tradeline was first reported on XX/XX/XXXX which reflected an original loan balance of {$55000.00}, the term, a monthly payment amount, and a current and joint responsibility account status. 

As of today 's date, XX/XX/XXXX, my credit report indicates that GM Financial has not provided a payment history or current account status ( please see attached ). We note here in passing that we have successfully made two ( 2 ) payments each in the amount of {$770.00} on XX/XX/XXXX ( which was scheduled on XX/XX/XXXX ) and on XX/XX/XXXX ( which was scheduled that same day ) ( please see attached ). Notwithstanding our timely payments, GM Financial has failed to report our current account and payment history status to the major credit reporting bureaus since their initial tradeline report on XX/XX/XXXX. 

In an effort to resolve this issue, I called GM Financial 's customer service department onXX/XX/XXXX, waited for almost fifteen ( 15 ) minutes to speak with a representative, and was advised that they do not show any derogatory information reported on our account and that they typically report every thirty ( 30 ) days. The proposed resolution was that the representative would contact their credit report team and have someone call us back as soon as possible. When I requested the information that was last reported to the credit reporting agencies, the representative was unable to offer any information other than no derogatory information has been reported. When I requested to speak with the credit report team, I was advised that they do not accept customer calls and only accept internal emails from representatives of GM Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX ) was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency XXXX being Equifax. I pulled my credit report from Equifax and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - XXXX XXXX XXXX - 3 % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from Equifax and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a XXXX XXXX? A female? Or are the employees just plain stupid at XXXX and dont know how to read a credit report? 

Then I went to XXXX  to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

XXXX referenced XXXX is owned by XXXX so to drum up more business XXXX XXXX borrowers into paying for XXXX XXXXXXXX XXXX claims total account balances ( I have XXXX XXXX, limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only XXXX ), length of residence too short ( I have owned this home for 10 years ). I believe XXXX is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Dear CFPB, On XX/XX/2020 I made balance transfer ( {$11000.00} ) from XXXX XXXX to American Express. After two weeks I find out that American express made mistake and transferred money to someone else 's account. I called American express immediately and opened case. They told me up to 10 days money will be back to my account. In addition, they will stop APR and don't charge me with late fees. However, it's been almost two month Amex didn't refund money yet. I called numerous times to Amex and they tell me " not to worry '' they will take care of it because it was their mistake. I called again two days ago and complain that I start getting APR charges ( even I was told they will stop it ) and late fees. They transferred to me different departments and after hour and half on the phone they still didn't had any answers. They told me they will call me back after couple hours but its been two days since and no one called me back. I've been in this situation almost month and a half. I paid Amex for this balance transfer almost {$400.00}. Amex made mistake which they had to fix in a reasonable time but they didn't. If I didn't call no one even would care. I'm extremely disappointed and ignored. Im getting charged APR, late fees and my credit score is getting lower. Please see attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-06
Company: C.Tech Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received collections letter from c.tech Dated XX/XX/XXXX C.tech Collections.inc XXXX XXXX   XXXX, XXXX. XXXX, NY XXXX Creditor name XXXX XXXX Acct # XXXX Amount {$110.00} Tell # XXXX XXXX XXXX or XXXX XXXX XXXX Contact : XXXX XXXX/ collection division They said I didnt pay Dr fee from XXXX ( date of service not noted ). I had XXXX  under insurance. ( XXXX or XXXX ) I moved to California in XX/XX/XXXX. 

The bill doesnt say when but when I Talked with the acct rep and asked 1. what the bill was for?

2. and why do I see this bill 4 years later? 

She said they tried to contact me but had couldnt find my address. 

I changed my address legally, with Dmv and post office XXXX XXXX. I have a copy Of that. 

I am XXXX years old and I believe it is hard to remember I did or didnt pay. But I believe I would have paid my billS before I moved. 

At any rate they should have told me within the month, or a year, and not 4 years Later.. 

Please look in to it, I dont want to affect my credit and honestly this bill an familiar. Please look in to it and resolve Thank you XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: WELLS FARGO & COMPANY
State: WA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on WELLS FARGO CARD SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2020-05-22
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
This company has made an account falsely. I did not open this account. They are a company known for deceptive practices. Feel free to XXXX any class action law suits against them. I have had several accounts through them in the past but this is not one of them. 

They have moved the account from " World Finance Corporation '' to " Personal Credit Plan '' and hurt my credit further as it still shows 2 separate charge offs. This is impacting my ability to purchase a home. 

Both accounts show as a charge off with a write-off. They wrote off this account and it also shows them charging a higher account balance since the original date. An account written off on taxes to a XXXX balance can gain no interest. 

They also stated that I made a payment on or around XXXX of 2015 which is false. 
They are showing other recent and missed payments on this account. 


I need a copy of the original contract with my signature, the transfer documents and the reasoning behind transferring it to your other company. All information submitted in regards to writing this off on taxes as a profit loss. 
As well as proof of all payments that it is showing that I made and from what bank account number. If you don't have the bank account number I will suffice with the info from bank card it was made from with a picture of this card to confirm the identity. 

What have you done is clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am a XXXX in Oklahoma who gets paid once a month on the XX/XX/XXXX- always have and always will. XXXX has known this since XX/XX/2012 and has NEVER allowed me to change my due date to the XX/XX/XXXX. Even now, when I am having a major water leak, no running water in our home and after being defrauded out of almost {$1000.00} by corporate greed in XX/XX/XXXX- I also have a new student loan payment to contend with. I need help to get my family back on our feet again- this couldn't have come at a worse time. I applied and was denied a XXXX XXXX that can be used unlimited number of times with no explanation. I deserve that if anyone does! We appreciated greatly the forbearance this past year and we desperately need another length of time to finally secure some vestige of a financial future despite my egregious loan amounts. I'll NEVER be able to even pay a dime of the principal, I've dedicated my life to XXXX and kids ... and since Student Loans are the ONLY debt no one can EVER get rid of- We suffer - year in and year out because I went to college right when it was most expensive and least valuable. Now I commit my life to kids and my community and give back EVERYDAY with no hope of ever getting out from under my {$140000.00} in student loans. I borrowed about {$45000.00} total. The rest is fees, interest, and money the Federal Government is making off me ... a guy making {$31000.00} a year. Can someone please help us get a forbearance or debt cancellation. How can we live our lives under this incomprehensible debt? Being forced to pay a bill 4 days before payday that you can not afford is a recipe for more lost funds for my family! Please help us- we may be forced to move soon and need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Account number ending in:XXXX  This account is not reporting correctly on my credit report. Right now it's reporting as a collection/charge off on my XXXX XXXX credit monitoring report. It was never a collection account. Please contact the creditor and verify that this account should be reported as never late and paid and full.

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 2018-09-18
Company: EQUIFAX, 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:
XXXX XXXX called us about a credit card account inquiry last week. They didn't open it because it didn't seem right and they couldn't verify the information. We told them we didn't apply for a XXXX XXXX so they said they would remove the inquiry. They gave us a reference number XXXX. 

We called to ask when they would have it removed and they told us probably within 90 days. They sent us a letter with a reference number on it. Telling us to place a fraud alert on our report. Which we dont want to do because we are going to get a Business Loan and Mortgage right now. 

We have been bounced back from XXXX to Each Credit Bureau saying to call the other one etc. We just want this off her credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ACRANET 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:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BANK OF THE WEST
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:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies

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 2019-09-27
Company: Overton, Russell, Doerr and Donovan, LLP
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 on Overton, Russell, Doerr and Donavan of XXXX XXXX, NY XXXX. In mid XX/XX/XXXX, I looked at my Credit report and found a XXXX Collections against me. I called the collections and wrote them a letter trying to find out what this recent issue was. They got back to me and said it was a medical bill from XX/XX/XXXX. I had no knowledge of this bill and asked why they are reporting this as a " new '' collection? They said they just received it. I said that the information was incorrect and the proof was on the bill they sent me. They never corrected it. After going to the hospital and talking to billing. I found out that this bill was in error and it should have never been sent in the first place. In any case, The hospital is contacting the collections and taking this off. However, My credit has been ruined. I was unable to take advantage of several opportunities as my score was too low. I have all the documents and cant understand why Overton knowingly did not report the information as the documentation indicated. You can clearly see all the mistakes that were made. The Bill said XX/XX/XXXX, The credit agencies had XX/XX/XXXX and the docs that Overton sent me said 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 2018-07-18
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I filed a complaint on American Express. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay $ XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have asked mt mortgage company for an application to start the loan modification process. Caliber Home Loans is refusing to allow me to start the application process. The mortgage company will not give or accept the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Original debt XX/XX/XXXX renewed on XX/XX/XXXX received a superior court notice on XX/XX/XXXX stating the amount of {$4500.00} Received a letter that states I now owe them {$8300.00}

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 explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is on my credit report with XXXX XXXX for {$130.00}. This was taken care of over the phone because the branch was never open at the time in my area as of yet. When I called and said I would love to become a member when the gym opens the rep took care of it on the phone. I have no idea why it says I owe {$130.00}. This is reporting false information which shouldnt be on my credit report. I have called and tried to handle but they dont even have a record of this information. Please remove because of inaccuracies.

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 2020-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

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 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2018 Transunion is verifying an account as accurate on my Credit Report with the Agency name XXXX XXXX XXXX XXXX XXXX  but the Credit information disputed is XXXX XXXX. I have never owned an account from an agency named XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. This information is Wrong please fix this problem Thanks.

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 2018-09-18
Company: GOLDEN 1 CREDIT UNION, THE
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:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! Thus this should NOT show up on my credit report and must be deleted with all three credit agencies.

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