BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I signed a retail installment contract on XXXX in the state of Washington, the APR is 20.49 %, the amount financed is {$17000.00} and the finance charge ( or cost of the whole credit ) is {$13000.00}. I put down a {$600.00} down payment, and traded in my car which counted for {$1400.00}. The total amount was {$32000.00} which is nearly double the amount of money financed to me. 

When I asked GM Financial, the lienholder, when my account was opened, I was advised ( via chat ) : " XXXX at XXXX, XXXX XXXX : Hello XXXX, I show that the loan was opened XX/XX/XXXX. '' I contend the installment sale contracts I signed, that was immediately assigned to the bank, that the transaction is really a loan from the bank and documenting it as an installment sale is just a sham to avoid the usury limit, which in the state of WA where the sale took place is 12 % per year. If this kind of business practice is lawful, why would n't every dealer have a buyer sign a retail installment contract in conjunction with an auto loan from a lender in order to profit from unreasonable interest rates? If the agreement between the lender and the dealer is what makes it a " retail installment contract '' as opposed to a loan which is directly between the lender and buyer, then why am I paying GM financial, and not XXXX XXXX? 

I do feel that this is usury. In the case of XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX, the buyer bought a new vehicle from a dealer with a down payment and an agreement to pay the balance over several installments. According to the conditional sales contract, the buyer would make payments directly to a bank that was financing the sale. The contract was furnished to the dealer by the bank, which had an agreement with the dealer to buy all such contracts, if acceptable. On the next business day after the transaction was executed, the contract was assigned to the bank. When the buyer eventually refused to make payments, the bank sued. The Supreme Court reversed the trial court 's entry of judgment for the bank, holding that the transaction was, in substance, a direct loan from the bank to the buyer. Noting that courts look through the form of a transaction and consider its substance in usury cases, XXXX held that this transaction was actually a cash sale, with a conditional sale used as a security device to protect the bank. Because the interest on the loan to the buyer exceeded 12 percent per annum, the contract was usurious. 

I would like everything I have paid to GM financial to be applied to the principal. I would like my balance paid off, as my gap insurance only covered 25 % of the ACV. I would like GM financial to remove themselves from my credit report and all my late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files. 

1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND MY CREDIT FILE IS LEFT TO SUFFER THE CONSEQUENCES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
On XX/XX/22 I submitted a dispute XXXX XXXX. XXXX regarding unlawful collection on my credit file. TransUnion completed their investigation on XX/XX/22 stating that their investigation confirmed the information was correct and my file did not change. This is the 2nd time i have disputed this with negative results. If TransUnion did in fact properly investigate the results would have been different. California Law authorizes treble damages for a bad check but must first follow strict requirements for damages as outlined in Civil Code 1719. The collection company did not follow the requirements and was not awarded damages by a court of law. Furthermore, Transunion has provided no information on how they were able to determine that the information is accurate.

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 2018-05-04
Company: EQUIFAX, INC.
State: IL
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:
As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. Equifax has violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. I sent them all appropriate information to identify me. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was in the hospital and had no insurance, I was advised to apply for XXXX which I did and received. The hospital bills did not get paid and I went back and forth trying to get them paid. I started getting collections calls and agreed to pay a discounted payment. I had several different bills some were small I paid them in full. I made agreements with the bigger owed bills. When I went to refinance my mortgage I was denied because of a collection debt on 2 of my credit reports bringing down my score considerably. I got the information and called to collection agency, I was told that the bill was still outstanding even through on my paperwork I had marked it paid to another agency. 
When I spoke to the representative she told me that she could discount the balance by 40 % so I paid the bill. When I ask her when the derogatory mark would be removed from my credit reports she said since I didn't pay the entire balance owed it would not be removed. She said all I had to do was pay the entire balance, really! I have never heard of something so unfair. One of my other larger bills went to XXXX they worked with me gave me time to contact my insurance co, never put it on my credit report and I we settled on a balance and it was paid. So now they will not remove it, not only is it showing up as a collection account but also a late account and will remain on my credit for 7 years, for something I wasn't even away of. I did receive a couple of statements but the amount being billed was the same as the bill I had paid to XXXX, I just figured it needed time to catch up with the payment and then the bills stopped. The bill is paid and should be removed entirely from my credit report, they basically blackmailed me to pay the entire balance and I was unable to. I thought with all the copies of bills and what was paid I would be able to get it removed by disputing it. I don't think it's fair that I have to go back to the agency and pay the remaining balance to get it removed from my credit report, and what guarantee do I have that they will. I'm still hoping to refinance before the rates go back up. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wellsfargo keeps raising my monthly mortgage They respond by saying there was a shortage I make my payment in full every month

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 2020-05-30
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
During the covid19 pandemic i was trying to apply for a mortgage forbearance program with my mortgage company.after several attempts by my wife my mortgage company kept giving her the run around.she was informed that since the mortgage was in my name only i would have to call or give permission for her to speak on my behalf which i did at this point we where almost 1 month behind she was told since wr where applying for a forbearance that the 3 months where going to be moved towards the end of our mortgage it wouldn't be a problem then i went to lease a car for my daughter and i was informed that my credit score dropped by 100 points and i checked my XXXX  credit report to find i was marked 2 months behind on my mortgage i imeaditly payed. To bring it current i called freedom mortgage company was told my score would go back to my original score but till this day it hasn't but my main concern is all my credit card companies dropped my credit substantially in a time of a pandemic and state of emergency without any prior notice i please ask that my credit rating be restored and all my available credit be reinstated since i never defaulted or was late with payments.p.s is it even legal i know it wasn't humanly moral thank you in advance XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- REAL ESTATE LOAN 4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022 I sent in letters to the credit bureaus asking them to verify some inaccuracies on my consumer report and I have yet to receive a proper response explain how were they able to verify some accounts that do not belong to me. It has been well over 45 days since I sent in the letters and I feel like I am being taken advantage of. I will take this matter to court and file for litigation if necessary. Please help me with this matter. These inaccuracies are holding my life up.

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 2023-05-12
Company: Self Financial Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX  Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- REAL ESTATE LOAN 4. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-01-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called " Midland Credit Management '' on XX/XX/23 regarding a {$360.00} debt I owe with XXXX. They also stated that Midland Credit Management has taken over the account and it is no longer with XXXX. I have never owned/opened a XXXX credit card and they are stating that I opened it in South Dakota XXXX which I have never visited and am a California resident XXXX Customer service at Midland Credit Management was also very rude, asked for my social security number right away ( which I did not provide ), and stated I had to pay them immediately with no explanations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a call from XXXX XXXX and XXXX saying they are a lawyers office saying I owe and amount on a Cash Net Loan that I do not owe. It worried me so I searched their name on XXXX and every review says it's a scam. Also left a voicemail for my mom, and I'm not sure how they got her number. Will not stop harassing us.

Company response to consumer: Closed with explanation