BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
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 have tried to reach out to the company making them aware that I have been diagnosed with XXXX XXXX, laid off and can not pay at this time. I asked for a pandemic deferment for two months and they said they are not offering this to customers at this time. Although I have reached out to them and explained my situation, GM financial has continued to harass me several times a day. My payment is not even one month past due and the representatives have threatened to send me to collections. Please help me with what I can do to protect my investment. I am a law abiding citizen that always pays my bills on time. Thank you and I look forward to hearing from someone in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: VA
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, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: MN
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 31 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter to XXXX, XXXX  and Experian. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also

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 2019-01-24
Company: American First Finance, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE ACCOUNT FOR XXXX XXXX WAS FOR {$1900.00}. IT WAS SUPPOSED TO BE PAID FOR IN XX/XX/XXXX. I had payment taken out of savings account. because I knew when the account should have been paid in full I did not check my account. When I checked the account, it was discovered that America first continued to take money out in a total of {$4400.00} for a bill only owed for {$1900.00} Their phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Rent recovery calls me a minimum of four to five times per day sometimes ( before XXXX XXXX and after XXXX XXXX ) rent recovery also made treats against me ( legal action ) and used abusive language when leaving vm and when speaking to me on the phone. I have explained several times I am not responsible for this debit. The creditor XXXX XXXX XXXX XXXX XXXX didnt subtract my pet deposit or regular deposit, they also charged for repairs that I have already proved where to be replaced when I moved in ... example carpet was worn and they agreed to replace carpet, they then switched management companies and said it wasnt in the budget so the carpet wasnt ever replaced before I moved in. they then tried to charge me for new carpet to be replaced after the move out date. This was all verified with XXXX who works at XXXX XXXX XXXX XXXX XXXX. I also only signed a 1 year lease, I never renewed lease after the first year. I have explained this several times however rent recovery continued to call four and five times a day and continued to make threats against me as well as release personal information about me To others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: OK
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:
The Credit Bureaus have stated that they have verified a bankruptcy on my credit file as accurate and it was verified with the USBK COURT XXXX OKLAHOMA. Which is incorrect. 

I have uploaded the letters that describe the issues I am having..

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 2020-06-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an auto loan with XXXX XXXX in XXXX of XXXX. They had been reporting my payments monthly until XXXX of XXXX. Since then they have not updated my account balance nor my monthly payments. Its bringing my score down and Im being denied the ability to purchase another vehicle. I want my payment history and corrected owed balance to be updated immediately.

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: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
I financed a car with Santander starting at $ XXXX and paid for 2 years {$370.00} plus and the vehicle was parked for mechanical issues in a garage and I retained an attorney to negotiate terms because the vehicle became non operative ... the garage placed a lien on the vehicle and it was sold in an auction. Santander now fails to modify the balance of the vehicle but has magnified it {$3000.00} over from I financed and I paid nearly up +/- {$7500.00} while it was in my pocession ... I called personally on several occassions and each rep was totally uncooperative or willing to assist as my attorney named XXXX XXXX said he endered the same ... Santander should be sanctioned for reporting incorrect information or remove this derogatory marking from my credit bureaus they report to promptly and why I seek your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AMERICOLLECT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened a Barclaycard Ring Mastercard in XX/XX/XXXX and transferred a balance from another card to it. 

I then paid off the card over a period of just over a year until the balance was paid off in XXXX of XXXX. 

I never made any purchases on the card and did not transfer the balance to another card. All I did was make a single balance transfer to the card in XXXX of XXXX and then pay the balance off over the period of XX/XX/XXXX to XX/XX/XXXX. 

However, I still received a fradulent charge on the account at a website called XXXX in the amount of {$19.00} on XX/XX/XXXX and then another for {$4.00} on XX/XX/XXXX. I did not make either of these charges, and since I made no purchases on this card nor did I transfer the balance to any other cards, the only other party that had this credit card number was Barclays. As such, it would appear that Barclays themselves had a data breach of some type that allowed the fraud on my card.

I discovered the issue in XXXX of this year and Barclays did reverse the charge, but I do find it concerning that they would have a security lapse that would allow my credit card to be exposed to whomever committed the fraud. And if Barclays leaked my card number to malicious parties, how many other card numbers were exposed? It seems unlikely that only my account and card number was involved.

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 2021-06-22
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:
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) ; the permissible purpose of consumer reports to any consumer reporting agency may furnish a consumer reports under following circumstances in accordance with the written instructions of the consumer to whom it relates. 

I consumer XXXX never gave EQUIFAX, XXXX, AND XXXX any written consent to report anything on my consumer report. If you have my written consent to furnish my information, please show me proof of such written instructions from me, the consumer! EQUIFAX, XXXX, AND XXXX  are just an elaborate mechanism defined pursuant to 15 U.S. Code 1681 ( 2 ) ( 3 ). No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: OneMain Finance Corporation
State: CO
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 submitted a dispute for a 30 day late payment that was inaccurate from Onemain and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit addit
ional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from Onemain and ignoring my dispute all documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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: Personal information incorrect

Complaint:
TransUnion is engaged in multiple willful misrepresentations ( fraud ), even after federal lawsuit on XX/XX/2020. What a criminally inclined company! 

( 1 ) Displaying my social security number as my phone number on the front page of the credit report. 
( 2 ) Removing two ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX Accounts ( by TransUnion ) to willfully harm my credit score by at least 20 points.

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 2019-09-17
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:
XXXX, EXPERIAN AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX  XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE

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 2018-03-01
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:
I am writing because I am beyond frustrated trying to correct what has been stated will be removed still showing on my credit report. My previous case here at cfpb where the case was closed with non monetary relief and the promise to delete XXXX XXXX from my credit report is XXXX XXXX. The account listed XXXX XXXX was opened with fraud and I have already gone ahead and had it disputed and investigators determined they will delete it from my credit files. It is still showing on my equifax and this needs to be deleted immediately as it is vilating my rights and specific laws.i have also attached my FTC identity theft report in which the fraudulent XXXX account was listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
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: Account status incorrect

Complaint:
On XX/XX/20, I paid and settled my XXXX  XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX  XXXX XXXX continues to verify a balance is still owed. XXXX  XXXX XXXX will not fix the issue either.

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 2019-01-24
Company: EQUIFAX, INC.
State: AR
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 submitted supporting documents to Equifax to get an item removed from my credit report. The document was an actual court order ( signed by the judge ) in  my favor showing that the debt/case was dismissed that was filed by XXXX XXXX. I'm no longer responsible for this debt/account. Equifax still reported the information as accurate. How is this possible? They actually tried to investigate a fraud claim on my behalf and I did not request a fraud investigation for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice on my credit report showing an unknown collections account for a debt that is not mine, I do not know, nor ever had outstanding. I had a similar problem back in XX/XX/2019 with another collection company called XXXX XXXX XXXX XXXX XXXX 

My guess is that they sold off some debt to this new company called Credit Management LP - XXXX  XXXX XXXX XXXX, TX XXXX. 

Back in XXXX the file was closed at XXXX XXXX, XXXX after I submitted a complaint through this system and with the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have accounts showing up on my credit report that is hurting my ability to apply for new credit. I have tried repeatedly to get verification of debt or any information on the debt being shown in my name to no avail.

Company response to consumer: Closed with explanation