BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home with a CrossCountry mortgage on XX/XX/XXXX. I received my escrow refund check ( $ XXXX ) at my new address in Texas around XX/XX/XXXX. My check got lost during the moving process and I quickly submitted to get it reissued. They informed me I had to wait 6 weeks. On XX/XX/XXXX I submitted for a check reissue. I was told it could take up to 60 days to get the check reissued. Around XX/XX/XXXX I called again and informed me they had " forgotten '' to process the check reissuance and committed to expediting the check. I just called again today on XX/XX/11, and they said it will take 60 days to process, and there was nothing in their notes about expediting the check. There was nothing I could do but call back the following Monday and wait my 60 days. 

This is a significant amount of money they're holding on to, and although I take full responsibility for the additional 6! weeks it takes to reissue a lost check, I've lost my faith that this check will get reissued at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a serious issue with AMERICREDIT/GM FINANCIAL. Account information : Account # XXXX, Date opened : XX/XX/XXXX, original balance {$4100.00}. 

GM failed to provide notice of outstanding lease amount, I pre-paid entire lease in XX/XX/XXXX, turned vehicle in to dealer in XXXX, and gave the dealer my updated address. No notices were sent and 6 months later I find a charge-off on my credit without any calls or emails sent to me. 

GM told me to pay and this wont affect my credit. I paid right away and yet the account still shows on my report. 

GM Financial is also reporting inconsistently across the 3 bureaus and they failed to provide me with notice of adverse information insertion as required by the California Civil Code. 

MY DEMAND IS THE DELETION OF CHARGE-OFF FROM ALL 3 CREDIT BUREAUS, FOR BOTH MINE AND MY PARTNER XXXX XXXX. 

I have been through a lot with this problem and I deserve a fair solution. This issue is affecting me emotionally and financially. 

Please send the attachment to the company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 DELAWARE Made a new TransUnion Hard Inquiry to my account without my permission. For that reason I now have XXXX inquiries from that company, XXXX legit and XXXX that is not. The first XXXX XX/XX/XXXX is totally legit because this is when I requested the card from them. The second XXXX XX/XX/XXXX should not be here because I did not changed or requested any other credit card or similar from them. I tried contacting the Bank support and they would not help me take care of the negative inquiry reporting because they said it was not possible through the phone and needed to involve the Credit Bureau on this. So, I also called Transunion and they suggested that if the bank is not being helpful, that I should file a complaint on the Consumer Financial Protection Bureau. In conclusion, that last Hard Inquiry should not be there and it should be removed in a quick and easy manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
DISPUTED XXXX XXXX THE ACCOUNT WAS DISPUTED AND REMOVED FROM CREDIT REPORT AND IT WAS PUT BACK ON THATS ILLEGAL I WANT THIS TAKEN OFF 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 explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Credit reports show that account has missed payment/negative month/derogatory remark. I have never missed a payment and creditor agreed to offer a discount for a full payment. I would like the missed payment/negative month/derogatory remark removed from my credit report and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax  data breach and possibly placed in the hands of individuals with ill intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of debt that collection agency keeps telling me that I owe them. I asked for validation of debt and collection agency keeps sending me a copy of a billing statement. I have asked repeatedly for something more as proof that I owe the debt. Per the FCRA a credit card statement is not validation of debt. This collection agency has 2 collections on my credit report that I have sen tin multiple letters of dispute and proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted Transunion for verification of the account : XXXX  # XXXX. They have reported that upon their conclusion of their investigation that the account is being reported accurately on my credit file. They are reporting that this account was included in bankruptcy that they are not reporting on my credit file. They are reporting that this account was closed XX/XX/XXXX. They also are not reporting a balance on this account and lastly that last payment was made XX/XX/XXXX. All these items are reporting inaccurately. 

I contacted XXXX  for verification documents in which they returned a letter first addressed to XXXX XXXX which I believe is the name of their account but not my legal name or the name being reported by Transunion on my credit file. My name being reported on my credit file is ; XXXX XXXX XXXX. 

The letter also states that : Dear XXXX, We can confirm our records indicate a balance of {$6100.00} as of XX/XX/XXXX. 

The name states XXXX XXXX ( that's inaccurate ) they sent to correct address because of my request using my current address. There is a full account number on the letter : XXXX which Transunion reports as : XXXX which the last four numbers can be what? 
They also indicate they are reporting a balance of {$6100.00} which Transunion is reporting nothing.

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 2021-02-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX ( XXXX  XXXX XXXX Equifax XXXX XXXX {$650.00}. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX Equifax XXXX XXXX {$710.00} XXXX XXXX {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Currently dealing with the seller on XXXX for XXXX $ + for not receiving the item as he is not responding I opened a case and am disputing that on there but I was promised the item from the supplier that it would be shipped if I paid for the sellers price to ship the item in the amount of XXXX $ USD. At first they wanted me to pay XXXX $ but I explained how I already sent XXXX $ for the item over PayPal/XXXX. The next day the supplier company contacted me and said that they got in contact with the seller and were going to wait 3 days for him to make a payment yet they have not and refuse to refund the amount of XXXX $ as they refuse to have the item shipped between the seller and supplier company they claim to be it is a ver elaborate scam and it has been an ongoing back and fourth conversation between me and the supplier company as the person who sold me the item will not return my messages. 
Also attached is the conversation in email. U have to read bottom to top this has all taken place XX/XX/XXXX to XXXX and still on going the item was purchased XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: NJ
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:
I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: Experian Information Solutions 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:
On XX/XX/2017, I sent a debt validation letter to XXXX XXXX XXXX requesting that they provide me with specific proof showing that I was responsible for the debt that they are reporting on my credit file. I was very specific in requesting that they provide me with a signed contract by me or verifiable proof that I agreed to pay their company and that I agreed to do business with their company. What I received in return, dated XX/XX/2017 was an account summary that did not include my written consent to do business with this company. I then submitted a notice to Experian, requesting that they provide me with the documents included in their file that prove validity of this account, what I received from them was an updated credit report showing this account updated and not deleted.I did not receive from either of these companies any signed documents. I believe that both XXXX XXXX and Experian are violating my rights under the FCRA by reporting unverifiable information on my credit file. 
I am asking that you assist me in getting a resolution to this unfair credit reporting tactic. Reporting unverifiable accounts is ruining my credit worthiness. 
The account information that I have received from my credit report is : Account # XXXX Original Creditor XXXX for XXXX and Account # XXXX Original Creditor XXXX XXXX XXXX XXXX. balance 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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is XXXX XXXX and Trans Union. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: MO
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:
DATES OF DELINQUENCY FOR XXXX XXXX  ARE INCORRECT. XXXX  & EQUIFAX HAVE BEEN ASKED TO CORRECT THE DATE OF DELINQUENCY AND ALL MISSING INFORMATION FROM ORIGINAL CREDITOR TO XXXX MULTIPLE TIMES. THEY HAVE REFUSED TO ADD MISSING DATA AND CORRECT THE INCORRECT DATA. THEY CLAIM THIS IS VERIFIED BY COLLECTIONS AGENCY BUT NO ADDITIONAL DATD HAS BEEN ADDED OR CORRECTED. THIS DEBT IS 5 YEARS OLD. IT WAS NOT ESTABLISHED IN XXXX. THE COLLECTIONS AGENCY IS ILLEGALLY REPORTING INCORRECT DATA. XXXX INVESTIGATED MY DISPUTE AND THIS RESULTED IN THE COLLECTION BEING REMOVED FROM MY REPORT BECAUSE THEY COULD NOT VERIFY THE DATA!!!!! XXXX  AND EQUIFAX NEED TO FOLLOW SUIT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My XXXX XXXX store credit card was transferred to XXXX in XX/XX/2020. I've always paid the card on time, and when it was transferred, it had a XXXX balance. 

I'm in the process of getting a mortgage, and my mortgage broker found that XXXX is reporting that I have a balance with XXXX/XXXX  of {$110.00} and a past-due amount of {$32.00}. Since ( a ) I've never been late, and ( b ) the account is closed, I called XXXX to ask them to resolve it. 

After talking to 5 people, four of whom were supervisors ( and all of whom acknowledged that they didn't see any late payments or outstanding balance ), no one was willing to take ownership and resolve the issue. 

Because the rate lock for my mortgage is approaching expiration, I don't have time to send a letter to XXXX and wait for them to fix the problem ( the error that is acknowledged by all of the five reps and supervisors to whom I have spoken ). Timing aside, it's incredibly frustrating that they will not take ownership and resolve their error, and that their error should require me to battle the bureaucracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute for Unauthorized Transactions # XXXX I had card # XXXX however that card was stolen. The reason I had to file the dispute in the amount of {$730.00}. I have another card ending in # XXXX. 

My provisional credit was granted on XX/XX/2020 per letter from Direct Express in the amount of {$730.00}. 

AS of today XX/XX/2020 : The provisional credit has NOT yet posted to my card ending in # XXXX. I have tried to contact Direct Express to NO AVAIL. I'm currently on hold going on 50 mins NO ONE is answering to assist me. Per the letter from Direct Express dated on XX/XX/2020 : I suppose to have FULL ACCESS TO THE FUNDS! FULL ACCESS TO THE PROVISIONAL CREDIT OF {$730.00}. 

However, the Provisional Credit has NOT yet posted to my card ending in # XXXX. I DO NOT HAVE card ending in # XXXX anymore. # XXXX was stolen from me this is why I had to file the dispute. 

REMEDY : I WOULD LIKE MY provisional credit posted to my card account ending in # XXXX. Per the Direct Express letter dated XX/XX/2020 I suppose to have access to the Provisional Credit in the amount of {$730.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 's client XXXX XXXX is an identity theft victim ; someone used his information without his consent to try and obtain several credit cards however those applications were stopped due to his 90 day fraud alert placed on his credit reports. The fraudulent applications resulted in inquiries on his credit reports that he never authorized. A formal dispute of those items was submitted to each of the named creditors to have the inquiries removed however those inquiries are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: BANK OZK
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
the dates XX/XX/XXXX thru XX/XX/XXXX amounts up to 3000 in interest and extra fees i reached out to the bank of ozarks in regards to a late payment and extra fees. ( there is a time period for payments to be made in a month ) i spoke with the manager and they said for one time they can forgive/waive the late payment. ok i made a payment within the next time period. i get a notice saying i had a past due amount. i call the bank and asked them about the past due amount. they acknowledged an error and said everything would be corrected. 
i then get a 60 day past due notice. with fees and extra interest fees. this was around XX/XX/XXXX. i requested to speak with a manager again and explain the mixup and problem. we also discussed the problem it would cause my credit. they assured me it would be corrected. 
i told the bank i was disappointed with the bad service and accounting errors. i expressed to them that i would like my account to be reviewed, frozen, etc. 
i have tried to communicate with this company many times but the service is bad and their communication is worse. 
i think the company need to get their license revoked. this was by far the worst bank i have done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: State Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Your prior menu was not pertinent to my specific complaint today, but repeated phone calls which I did not answer have occurred. 

Today, XXXX XXXX, 2017 at approximately XXXX CST I received a call from XXXX. A female gave her name ( I do n't remember but it will be in the attached recording ) and said " this is a monitored and recorded call about a personal business matter. '' She asked if she was speaking to XXXX XXXX. I said she was and I am also recording the call. She asked to verify my identity by asking for additional information. I asked her to provide the business name before I provided additional information. She said she needed the information first for a personal business matter. I advised her that by law I am entitled to the company name before providing personal information. ( I did not say to her that I am not an attorney but was speaking in a pro Se capacity when discussing laws. ) She said she would send me information and then I could call. That ended the first call. 

An Internet search did not provide the company name but did confirm that the number belongs to a landline in XXXX, MN. 

I called the number and a male said " this is XXXX and this is a monitored and recorded call. '' I told him I needed the company name before filing a regulatory complaint due to his colleague refusing to give me that information. He said " You have called XXXX XXXX XXXX. '' I thanked him and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
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:
N/a There are car places that sell u lemons an double charge u also after they reposes the car which is all they want they turn a round an an charge you on your credit which is very unfair also there are so many inquiries that I have not made an they are still on my file which has been demanded to be clear and that should be removed ASAP as if form of payment if payments was due they would want it diligently when my file has been in identify theft since the breach 2016 I have not inquired about anything nor should I be in XXXX XXXX  which is all not for the people

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