BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Mr. Cooper Group 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello i have a Paypal account and they just closed my account without any reason and also they take my money from my account. My Paypal email XXXX. 
they take my money since 2 mounths.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: BMW Financial Services NA, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : -XX/XX/XXXX-30 Days late- -XX/XX/XXXX - 30 Days late- -XX/XX/XXXX - 30 Days late - -XX/XX/XXXX - 30 Days late- I am not sure how this happened, I believe that I had made my payments to you when I received my statements/bill. My only thought is that my monthly statement did not get to me, and therefore caused me to look at the wrong date. I'm sure I paid ontime during those months. Definitely not 30+ days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi, I requested an increase in my credit line from Bank of America. My Fico Score is XXXX. The card they issued had such a low limit. I am an XXXX and a XXXX at a major University. The letter I received provided no clear explanation besides general economic and loss trends not relating to me specifically. I feel that I am being discriminated against because of my ethnicity. Not only do I have a personal checking account but I also have a 10 year old XXXX XXXX with BofA, so the form letter I received is totally insulting. I would appreciate it if you would look into this. Someone with a XXXX and a XXXX who can be discriminated against like this means other people not similarly situated are treated worse than I. 
Best, 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 2018-06-07
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received correspondence dated XX/XX/XXXX from GC Services Limited Partnership regarding an alleged debt I owed to the XXXX XXXX County Superior Court,  which had been paid prior to GC 's involvement. I immediately called the number on the letter, XXXX, to resolve the matter. After waiting on hold for over one ( 1 ) hour for a representative to take the call I finally gave up without the call being answered. I thereafter responded by way of the attached letter dated XX/XX/XXXX, sent via USPS Priority Mail, which was received by GC Services on XX/XX/XXXX. 

Having no response by XX/XX/XXXX I sent an email to GC Services - a " screen shot '' of the email is attached, along with the full text of my correspondence. 

As of XX/XX/XXXX I had received no reply from GC Services. 

On XX/XX/XXXX I received a second letter dated XX/XX/XXXX from GC Services stating that I had not responded to the " previous notice, '' a copy of which is attached. 

On XX/XX/XXXX I again attempted to call GC Services at XXXX. After one ( 1 ) hour and eight ( 8 ) minutes, listening to the recording that a representative would be right with me, I finally gave up. See attached copy of photo of call log from my telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
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: Their investigation did not fix an error on your report

Complaint:
i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP

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 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP

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 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 XX/XX/2020 I sent a first certified letter to Transunion requesting to investigate some accounts which appeared incorrectly in my report. The letter was received on XX/XX/2020. More than 45 days passed and I sent a second certified letter on XX/XX/2020 which was received on XX/XX/2020 requesting that according the Fair Credit Reporting Act which requires the correctness of the information, to remove the information requested. As of today and despite of giving them a deadline of five ( 5 ) business day to respond to my letter, I have not received a response and confirmation that the accounts has been removed. I demand that they remove the accounts requested as they failed to validate.

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 2020-09-24
Company: OneMain Finance Corporation
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I settled with One Main FinanceXXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus XXXX XXXX XXXX  and XXXX. On XX/XX/2020 XXXX XXXX updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my XXXX XXXX score Im this date they reported my One Main account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted XXXX XXXX and One Main Financial. One Main financial advises they reported the correct information and that XXXX XXXX made a mistake. XXXX XXXX has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on XXXX XXXX my scores would of not been effected!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Resurgent Capital Services has consistently hit my credit monthly about a debt in the amount of {$4500.00}. They have not provided me with documentation from the original creditor to detail the debt. This account from the original creditor was closed and the amount was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a lease with GM Financial for a XXXX XXXX. At the end of the lease term, I worked with my local credit union to get a loan to buy the car. I closed on my auto loan on XX/XX/XXXX. The loan amount was based on the payoff information provided by GM Financial. In XXXX, I received a call from GM Financial advising me that my lease payment was late. When I told them I had purchased the car, they said they did not have that information. I called the dealership who sent GM Financial the check and they show that the check cleared on XX/XX/XXXX. GM Financial reported a late payment to my credit bureau.I have called them multiple times and they refuse to remove the late payment report.Every time I call they act like they have no idea what I'm talking about, why I'm calling. They told me that the dealer needs to send them a copy of the cancelled check ( which they have done ). Nevertheless, GM Financial will not remove the negative report from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: AMERICAN HONDA FINANCE CORP
State: VA
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:
After resolving an issue with Honda involving the abuse of a POA, HONDA and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving Honda was partially responsible for the vehicle being unlawfully possessed, HONDA instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from XXXX or progressing due to the account still negatively impacting my security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 FOUND AN INCOMPLETE AND INNACURATE ACCOUNT ON MY CREDIT REPORT AND HAS BEEN DISPUTING THIS ITEM FOR AWHILE..I SENT IT TO THE COLLECTION AGENCY ON XX/XX/2020 WITH NO RESPONSE, THEN I SENT IT TO TRANSUNION ON THE XXXX OF XXXX ASKING THEM RESPONSE WITHIN 15 DAYS.THIS IS CAUSING ME GREAT STRESS

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 2020-05-09
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:
In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with XXXX XXXX and Equifax Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX XXXX account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of XXXX not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from Equifax Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either Equifax DID NOT do a through investigation and did not give me my due process or when XXXX Card sent information to Equifax they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: GA
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 disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. Equifax is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX, XXXX  and Equifax are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made, USDOE/XXXX  is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, 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 dispute with Equifax on XX/XX/XXXX regarding a collection on my account. I received a result of the dispute XX/XX/XXXX stating " the information you disputed as been verified as accurate. '' On XX/XX/XXXX, I sent a request for method of verification letter through certified mail, the mail was received on XX/XX/XXXX. It is now XX/XX/XXXX 16 days later and I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: GA
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 disputed the inaccurate reportings with XXXX, Experian, and XXXX   several times to no avail. XXXX  is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX, Experian and XXXX  are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for XXXX and XXXX  and " Late 180 days '' for Experian but does not specify when the alleged late payments were made, XXXX is reporting my payment status " Late 120 days '' for XXXX  and XXXX  and " Late 180 days '' for Experian but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-01-30
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XXXX, XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. I have been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were already off of my credit report, but, no too long ago I received a collection letter from CONVERGENT OUTSOURCING INC trying to collect on Behalf of XXXX, one of the accounts that were included on my identity theft package. The account is highlighted on my Affidavit of Identity theft package that I am uploading.

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 2020-06-25
Company: Experian Information Solutions 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 was A victim of identity theft. XXXX  XXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.

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 2020-05-09
Company: ALLY FINANCIAL INC.
State: TX
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 sued Ally Financial for harassing me with phone calls about payment. I won over 3k from them with a settlement. They blocked me from using the online payment portal and wouldn't speak to me over the phone which caused late payments. They are still harassing me by reporting to the 3 major credit bureaus, XXXX, XXXX   and XXXX  by showing late payments which they caused by blocking my online access. My account is paid off and I don't want them reporting to these bureaus. ( Improper use of account ) they can't report this account due to harassment. I see that they like giving away money so I will sue them again! If they don't contact the 3 bureaus and have this remove their reportings and send me back a letter stating that they closed and removed my account from these bureaus. I will file a complaint with the CFPB, BBB, FTC and any other company that accepts complaints along with sueing them again! I am sending letters out to the locations in XXXX and the location in XXXX, MN. and will wait to here back from them. If they don't they will have to deal with my lawyers again! Please removed this from reporting or send a letter stating that you will agree to XXXX, XXXX  and XXXX  to have this removed. I will remove the complaints and Reviews once this is done, Thank you!

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