BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: General Motors Financial Company, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
RE : GM Financial Account # XXXX Had a 4 year lease with GM Financial for a XXXX, with perfect payment history and the account set up on Auto-Pay. I have a perfect credit file on all 3 bureaus, and have never missed a payment. 

Upon return of the leased vehicle, I was not advised of the {$590.00} return fee, and did not receive a bill for the fee. In addition, the account was always on auto-pay, which GM Financial states they remove automatically at lease return. This was also not advised. 

Received a phone call on XX/XX/XXXX from an outbound agent for XXXX, stating that there is a balance on the account of {$590.00} and explained what it was for. I advised that I would be happy to take care of the payment, and asked if I can schedule it the following week. He did not state that this was past due, nor did he advise of the actual due date. 

As agreed based on the conversation, I set up the payment on XX/XX/XXXX to be deducted on XX/XX/XXXX. 

Today XX/XX/XXXX, I received an alert on my XX/XX/XXXXcredit file that GM reported me 30 days late. Thinking it was an error, I immediately called GM Financial. I explained everything noted above, they verified the pending payment, and then I asked them to remove the 30 day late that they reported. 

After speaking with managers ( ID # XXXX and ID # XXXX ), they told me that its my fault that I did not know they removed me from auto-pay, as well as took no responsibility for their agent on XX/XX/XXXX advising that I could pay when I did. 

They refused to remove the late off of my XX/XX/XXXXcredit file, which dropped my score from XXXX to XXXX. I am in process of purchasing a home, and this will drop me to tier 2 credit. 

I need some assistance here, as the business practices of GM are both unfair and deceptive. 

Thank you in advance for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Experian Information Solutions Inc.
State: NC
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 been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-09-04
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A private number called me, and my ex-wife 's phone which hasn't been my number in 19 years, and left the following message : " Hello my name is XXXX XXXX bonded dispatch or operator number XXXX with the County Courier service office. Our office has been retained to deliver legal documentation to your property address. This is regarding a pending complaint being ordered and summons against a. If no contact is established today our field agents will be dispatch out to your property address and place of employment on record. It is very urgent that XXXX does contact the issuing firm today at XXXX and when calling refer to complaint case number XXXX. If no contact and samples with the issuing firm today will result as an order of non-compliance and after that it's my final attempt for delivery of the documents will be filed and recorded as a failed action to serve. Once again the phone number is XXXX. '' When I called back I got a XXXX XXXX who used more pseudo legal language and threatened to sue for an alleged debt from 2010. He threatened to go to my employer and file with the court if I didn't settle on the phone.

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 2017-08-09
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have two different collection companies trying to collect on the same debt. The companies are Transworld Systems Inc. and XXXX XXXX XXXX XXXX. The debt collection is for a medical bill I owe XXXX XXXX XXXX Medical Center in XXXX WA. The amount is {$200.00}. I called the medical center but they could not help because the amount I owed had been turned over to XXXX XXXX XXXX. XXXX XXXX said they were getting a lot of calls about this same issue. XXXX XXXX forwarded my call to another person and I left a message for them to call me on XX/XX/XXXX. They called me back on XX/XX/XXXX and ask that I fax everything to them and XXXX XXXX XXXX collections would not call me or collect from me until something was resolved but that Transworld might call me because they could not stop them from calling me. I faxed them the information on XX/XX/XXXX. I faxed them the " invoice '' from XXXX XXXX XXXX and the collection letter and invoice XXXX XXXX XXXX Medical Center that Transworld System sent me showing the same account number and same dollar amount. I do n't mind paying what I owe, but I am not going to pay it twice and I do not want not paying one and paying the other to effect my credit rating. Also if I had not been paying attention, this might have got paid twice and I would not want that happening to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother opened an account for me with a XXXX XXXX XXXX branch in XXXX in 1975. I found the XXXX XXXX after she died but I can not get any information on what happened to the funds in the account. It was @ {$4500.00}. XXXX XXXX was bought by BB & T. BB & T told me they do not have the account. I tried PA unclaimed property as well as FDIC.

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 2018-07-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hello, This complaint involves the three credit bureaus I sent 2 letters to all three credit bureaus about identity theft and foreign information on my account. I spoke to them on the phone, as well as, sent disputes along with police reports and correct information. The wrong information remains on my credit report and it I causing a negative effect in my life. 
XXXX : There is foreign wrong address and an identity theft creditor on my account. I have an affidavit for this account. Also there are inquiries from my credit report that were not mad by me, they were from identity theft. 

Equifax : There is another wrong address which is foreign to me, along with the same creditor of XXXX XXXX which is identity theft. 
XXXX : The same creditor XXXX XXXX ( identity theft ; fraud ), and XXXX is on my report ; along with inquiries from XXXX, that were not made by me. 
The only response that I received was extending a credit freeze and they updated a personal statement on one of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-29
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 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 XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 personally attempted to work with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Transunion and also XXXX. I have continued to file disputes regarding a account reporting to my credit report at all agencies. XXXX  deleted the information as their investigation determined the information could not be verified. Transunion and XXXX  has continued to report this deleted information that XXXX  found as inaccurate or fraud. I have contacted XXXX via phone, XXXX and via their own dispute process but have been unsuccessful. After talking with XXXX they also state they have no account for me. XXXX says I would need to get Transunion and XXXX  to delete the info. The credit reporting agencies say it is verified and the responsibility of XXXX to update the information if inaccurate. 

PLEASE HELP!

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 2020-09-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ENHANCED RECOVERY COMPANY XXXX XXXX XXXX  XXXX XXXX, FL XXXX I have sent ENHANCED RECOVERY COMPANY two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$590.00}. The company has failed to respond to verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: Avant Holding Company, Inc.
State: NC
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:
Avant credit company account was closed. Did not contact me on the fact there as a interest payment in this account so was closed and they keep reporting to agency as past due and was not. I was not informed via nothing letting me know of it being late credit companies did not investigate properly or this would still not be on my report. Hence violated my right under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: JAMES B. NUTTER & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid my XXXX 's mortgage payment at XXXX XXXX. I called the company to let them know that the payment was made as well. On the company 's website there's a statement " If you pay after XXXX XXXX. CST it will be considered late. '' However, the receipt they send seconds after submitting payment states it will be applied on the effective day or shortly after. The statement shows effective day as the XX/XX/XXXX. I believe James B. Nutter receipt showing effective date of the XX/XX/XXXX means that my payment should take effect for the month of XXXX. When I called on today, XX/XX/XXXX there was nan named XXXX ( who was rude ) that advised that it will go on my credit. I told him that I have paid after XXXX in the in XXXX and it did not. He then told me well if you made it a couples I can't help that, it's going on your credit today. This is an unfair practice by this company and they are choosing when they are wanting to place things on consumers credit reports. Also, the receipt does not have the statement of paying after XXXX. on it. I'm really needing help because the employees at this company are diffult to deal with and really rude. I'm attaching two payments where I paid after XXXX and have a couple of more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: IL
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 XX/XX/2018 I received notification from Equifax credit bureau of a collection item being placed on my credit report. The collection item was from XXXX XXXX XXXX for XXXX being represented by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never received a notice from XXXX XXXX XXXX about this debt, and was not given 30 notice to dispute the validity of it. 

The information has not been verified, thus inaccurate, erroneous, non-verifiable when I called the collection agency, but it is being report on report. Equifax is reporting this inaccurate information on the status, account, date open and closed, amount, payment history etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX XXXX XXXX remaining balance later on they said I still owed them more money, I told then explained to them that I paid off my remaining balance. I have the emails from when I paid my bill online. They said the balance that was on there was not the correct. I have tried many times to tell them that no I had paid it off. They keep insisting that I have not. From then on they have charged me more interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with XXXX, XXXX, Transunion. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at All.From neither companies.

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 2018-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Bank of America XX/XX/2018 regarding a {$22.00} interest charge on my statement after the previous statement was paid off. It is my understanding this is considered dual cycle billing, which the Credit Card Act of XXXX banned. I called Bank of America but they refused to credit the interest. I recently had the same issue with XXXX and XXXX, both of which credited 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 monetary relief
Consumer complaint received 2018-07-27
Company: Auto Trakk, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to make arrangements to settle the above referenced matter.

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
In XX/XX/2017, XXXX XXXX XXXX reported my account as 30 days late during a disaster relief period here in XXXX for Hurricane Harvy. I initially made a loan modification for 2 months when I had asked for 3, they refused but said to call them back if I was still having trouble at the end of 2 months. When I called them back they readjusted the loan payments and I began paying on the modified loan. I checked my credit report and found that they reported a 30 day late in XXXX. I called the company twice to fix this. I even contested with Experian and asked them to verify. To this day the late is still reflected and the company will not explain why they suddenly changed their policy to report me during a declared disaster period.

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