BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I set up for auto pay since the beginning of my lease and they had my incorrect address and phone number they I have statements proving that they take the money from my account and then they have me late as three payments that dont make sense and Im reporting for one month I called them numerous times and they keep telling me to dispute it with the credit bureaus but thats not helping and I brought my credit score down for in accurate information they will

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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:
I opened a bank account with XXXX XXXX XXXX XXXX, who made an inquiry to Experian. Even though I only opened a bank account, and I did not apply for any type of credit, the inquiry was reported to Experian as " credit granting ''. This has caused the inquiry to appear on my credit report as a " hard inquiry ''. The description on the credit report is incorrect. I attempted to dispute the characterization of the inquiry with Experian, but I was told that inquiries could not be disputed. This is a violation of section 611 of the FCRA, which indicates that " any item '' can be disputed.

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 2020-05-07
Company: WELLS FARGO & COMPANY
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
Hi, On XX/XX/XXXX I had 4 payments posted to my Visa Credit Card that were not made by me. {$930.00}, {$1.00}, {$1000.00} and {$5.00}. I mailed Visa a check for {$50.00} and another one for {$100.00} to go towards my Visa balance and that posted on XX/XX/XXXX as well. Wells Fargo is saying that another customer somehow made payments to my Visa account via check/mail from their checking account, but this isnt making any sense. They mailed me a refund check for {$860.00} because my account got messed up and they didnt know what was going on at the time. On XX/XX/XXXX the 4 payments not made by me were turned into Payment Reversals and the bank is saying I owe all this money back, with my current Visa balance totaling {$2300.00} ( that I owe that much $ ). I was not notified via mail on any of these matters by my bank after being reassured everything would be taken care of on their end. I was told I got a credit on my old Visa but that I no longer get a credit due to closing out my credit card and getting a new one per my banks request. No positive steps were recorded as taken by them, they went straight to Payment Reversal. Bank would not discuss this in person and on the phone were not helpful/nothing was resolved/was given no claim #. I called them multiple times for several weeks. Looking at my debit card account and Visa account none of this is adding up. I spoke to them on several occasions, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and others and they keep saying I owe my total Visa balance.

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 2019-02-13
Company: BANK OF THE WEST
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy cited as one of the reasons for denial. Unable to substantiate the existence of a reference to bankruptcy.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: OH
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 had an alert on my credit report today at Experian account XXXX XXXX XXXX XXXX XXXX '' Hard Inquiry on Credit Report. I never applied for any loan. Someone is misusing my SSN for applying loan from the government

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 2021-04-07
Company: First National Collection Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter in the mail this week from First National Collection Bureau, informing me that there is a judgement collection on behalf of a current creditor of XXXX XXXX, with an Original Creditor of XXXX XXXX XXXX. The debt amount is for {$11000.00} and a judgement date of XX/XX/2007. This debt is not mine. I have never had an account with a XXXX company or palisades acquisition nor is this a judgement rendered against me. I believe the letter to be a scam or an error. Additionally, I recieved this letter at my NJ address ; my father with the same name lives in NY and he recieved an identical letter with the same creditor and dollar amount a week ago, leading me to believe this is a scam and the company may be sending repeated letters out to as many people as possible. This debt is not valid and not mine and this needs to stop.

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 2019-02-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a collection account on my credit report from a previous apartment I leased. IQ DATA INTERNATIONAL purchased the debt. I contacted IQ DATA INTERNATIONAL through certified mail requesting the account be deleted with pictures of the property. I also requested if the account was not deleted i wanted verification receipts from the repairs made. Several days after the letter was sent i contacted IQ DATA INTERNATIONAL by phone. They said they did not have to provide receipts. They have failed to supply my requests or delete the account. 

I have attached the certified letter sent XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I been trying to get a credit card for the longest. I never had one and every time I sign up I get declined. I want to have a chance so I can build my credit. So can y'all please help me thx.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is FIDELIS RECOVERY MANAGEMENT. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Consumer Portfolio Services, Inc.
State: MD
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 have absolutely no idea who these agencies are that are reporting on my credit report ; did not ask any of them to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
My wife and I separated in XXXX of 2018. I found out in the following months after that she had set up an account with XXXX XXXX which I had no knowledge of and didn't give any permission. I contacted XXXX XXXX about this and the only information I was given is that a " live check '' was sent to the address and was deposited into a joint account which was was closed the day or so afterwards. I asked them how an account with my information was opened without my consent or any signature, and the only comment I received was that they didn't have to have one.

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 2021-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this XX/XX/XXXX which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX FL XXXX 2. Validate Account XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Bread Financial 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: Information belongs to someone else

Complaint:
BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE COMENITY BANK REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: CORELOGIC INC
State: MD
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 have absolutely no idea who these agencies are that are reporting on my credit report ; did not ask any of them to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, 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:
BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE XXXX XXXX REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/XXXX I applied for a " {$1.00} '' credit report with Experian ( my customer # is XXXX ). This required a monthly credit monitoring service which was adverstised as my being able to cancel it at any time. I called to cancel immediately. They have been billing my bank account monthly ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) for {$29.00} since. They have offered to refund only one month 's worth 'as a courtesy '' as they have no record of the phone call- which I did make. I would like my other two months refunded as well- as I cancelled the same day I enrolled- but they refuse.

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 2019-02-13
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Wess Fargo closed a credit card for lack of use, No Foul. then sent a derogatory report to experian credit co. I asked the Wells Fargo why they did this, they could not give me an answer. soon after this my credit score plenished. my american express account was lowered from XXXX XXXX to XXXX XXXX. My cap one account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?

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 2019-02-13
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
XXXX XXXX closed a credit card for lack of use, No Foul. then sent a derogatory report to XXXX credit co. I asked the XXXX XXXX why they did this, they could not give me an answer. soon after this my credit score plenished. my american express account was lowered from XXXX XXXX to XXXX XXXX. My XXXX XXXX account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I was recently made aware of a derogatory account on my credit report from a XX/XX/XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XX/XX/XXXX and that I had never received a bill for the amount in question. I also filed disputes with both XXXX and Transunion to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.

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 2019-02-13
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent a letter to this company a few times requesting validation of the debt they are reporting, not verification. They continue to ignore my request of the proof of me having any obligation to pay them. I asked that they provide a signed agreement or any other supporting documentation that binds me to them and they have not. Im requesting that this debt be deleted with the credit bureaus but this company continues to report delinquent information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: Gitsit Solutions, LLC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Kondaur Capital Corporation to make a payment over the phone. I said that I would only be able to make one payment. I owed the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment. I explained that I could only make one payment. The lady put on hold and a man picked up I explained once again that I could only make one payment and late fees, he refused to except my payment he said I was over 90 days late, I explained that I was not and that I would not be 90 days past due until XX/XX/XXXX. He still refused to allow me to pay over the phone. So I would like to file a complaint against Kondaur Capital Corporation. I facing some hardships but I am doing my best and do not believe this fare treatment. I did overnight a payment on XX/XX/XXXX through The U S Postal Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Consumer Portfolio Services, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Lender charged interest rates at 25 % the car after taxes & fees were $ XXXX plus interest at 60 months $ XXXX to a total of over $ XXXX. The lender did not notify me that they have rejected the title from the dealer as it has been almost 60 days since purchase of the vehicle. The vehicle had XXXX miles at purchase but the contract said XXXX when I informed them the dealer didn't apply the proper mileage on the paperwork they did not try to rectify the issue. Lender is working with dealer in deceitful practices to trap me with a vehicle that title has yet to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Unifin Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Friday, XX/XX/2021, I payed my debt. I asked for receipt, and Unifin ( they were hired by XXXX XXXX XXXX XXXX said give until Monday and send the receipt back signed. I did I waited up until that moment and called them back to ensure they received it. They claimed they did and the Zero balance paper would be sent to in 24 to 48 hours. On XX/XX/2021 I called them and they claimed they never received the signed receipt. I told them a previous representative claimed they did receive it. They said I would have to send it again and give it another 24 - 48 hours. I ended the call and decided the FTC would be the best course of action. All they did was claim I never made contact with on Monday XX/XX/2021. I simply want a zero balance letter, but they only seem to be having me run around in circles

Company response to consumer: Closed with explanation