BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
I reached out to GM Financial on or around XXXX XXXX XXXX regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that GM Financial could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Please see the attached files where you will find all underlined or highlighted discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: NC
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-06-25
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with mr. Cooper. I was in covid-19 forbearance protection last year I was coming out of it at the end of XXXX of last year. The option I picked was I can resume making monthly payments just I can't afford my old payment of XXXX a month. With having FHA they were supposed to come back with a XXXX recovery modification with 25 % less payment and a lower interest rate to lower my monthly payment. It was supposed to be finalized for XXXX when I want to make my XXXX payment they told me to hold off until XXXX it will be finalized then I sent back numerous low modification packets they kept being sent back for the same reason because of notarization which was correct they accepted one of the previous ones if they sent me XXXX out and didn't bother to tell me. So anyway it was finalized for XXXX I made my mortgage first payment which was actually the incorrect monthly payment so then the payment came down a little bit for the XXXX payment before I could pay the XXXX payment the whole loan modification became undone after was finalized I've been in contact with them numerous times since XXXX had an expedited over XXXX times and still nothing no answer they said it became undone due to possible monies being d u e. But that is incorrect because with a covid-19 recovery modification there is no 90-day trial. Also they approve me for a disaster modification which that is not what I wanted I was supposed to be approved for a covid-19 loan modification. I made marches payment like I said before I also made them take XXXX and XXXX 's payment so I wouldn't know a bunch of money just in case and I told them I want them credit it XXXX XXXX XXXX to the new loan modification and not to the old balance I have asked them repeatedly to push this through since I was already finalized with all the correct numbers which should be 25 % less and a lower interest rate to make my payment lower than XXXX a month and also have the correct escrow numbers in there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. This was done on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Hillcrest Davidson & Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An agreement was signed with XXXX security to provide equipment and service. This was a cross-sale from setting up XXXX XXXX XXXX when moving to a new location. Due to XXXX not sending the equipment to the correct address, not providing follow up about the equipment or service until after their XXXX money back guarantee expired, and proceeding to bill for a service that was never activated is deceptive and unacceptable. After the lapse of XXXX plus days, I initiated the communication to Alder to determine why I was being billed for equipment and service that I never received nor activated. At that time, I explained that I no longer needed the service because I had to acquire a different provider since Alder failed to provide agreed equipment and services in a timely manner. How can XXXX generate a bill for a service that was not provided? I have reached out to Alder directly, I have reached out to the XXXX XXXX XXXX collector XXXX XXXX XXXX XXXX directly, and they state that I owe {$2100.00}. I attempted to dispute this debt with XXXX as well as filed a complain with the Better Business Bureau. I request to ensure that this contract is terminated, and that I not be held liable for this amount of {$2100.00}. I have attempted to terminate this contract on several occasions due to non performance on XXXX end and the only remedy that they provide is to send me new equipment at no cost to me. I do not want this service, I have never used this service, and I want this debt removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson capital systems , LLC by and through theirs attorneys XXXX XXXX XXXX XXXX XXXX keep threating they going to seize my bank account and report me to credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act The XXXX following accounts, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-26
Company: BANKERS HEALTHCARE GROUP LLC
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company Closed my account without any reason wouldn't tell me why they closed my bank I wasn't able to used my account for XXXX months XX/XX/2022 & I called on XX/XX/2022 to see what's going on with my account then they took me my account was closed didn't received any letters saying why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX # XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
i have contact XXXX and transunion regarding these false unauthorized inquiries to be removed. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : 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 2022-07-28
Company: EQUIFAX, INC.
State: OH
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:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Westlake Services, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I paid westlake financial {$3800.00} on XX/XX/XXXX for XXXX missed payments for XXXX and XXXX of XXXX and for XXXX upfront payments from XX/XX/XXXX until XX/XX/XXXX My first payment for this year was not due until XX/XX/XXXX. When I paid them the money last XXXX they told me how much I needed too pay in order too have my account current until XXXX of XXXX and I told them not too call me expecting a payment until XXXX they agreed. They started harassing me in XXXX of this year saying that I owe them {$34.00} for what?? Then they said I owe them a payment for XXXX. Then when I tried paying online for XXXX payment XXXX XXXX blocked my access too pay my account online so I have too call in and speak too someone. When I call in I am threatened about my car being repossessed and harassed and they dont allow me too make a payment without charging me a fee for posting the transaction or they dont allow me too make a payment because of the harassment that I just hang 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 2022-06-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 i sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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:
n accordance with the Fair credit Reporting Act XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that i have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a concumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 need to remove my fraud alert from my credit report and update my cell phone number with your company I have already send letters but I didn't have any response I know that you need to verify my identity so I have attached a copy of my current driver 's license and a copy of my Social Security card as proof of my identity, also in the attached documents there is a picture with my current phone number Please remove the fraud alert and update my phone number with your company

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 2022-08-22
Company: EQUIFAX, INC.
State: GA
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 sent XXXX, XXXX, and EQUIFAX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX  AND XXXX XXXX  and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-06-26
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: Their investigation did not fix an error on your report

Complaint:
I reached out to all three credit reporting agency one agency XXXX fixed everything after a true and thorough investigation with my last compliant but experian and XXXX didnt however they still have inaccuracies and fraudulent accounts reporting under my name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-06-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am showing a bankruptcy being reported from the county clerks to my credit. I have verified this information with the county clerks office and they informed me that they do not report to any of the credit bureaus. I submitted this information to the creditors showing that the count clerks office does not report this information to any of the 3 credit bureaus. When disputing this information due to ( FCRA ), 15 U.S.C. 1681 this information should be removed from my credit. I received my dispute back stating that they have confirmed the information and it is accurate and they are leaving the information as is. I am filing this complaint because that information is inaccurate and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act my rights have been violated. 15 U.S.C 1681 section 602 a. States I have the right to privacy. All three reporting agenicies have a different credit card utilization for all my cards and loan balances?? all my cards have been well below 10 % utilization yet XXXX XXXX  and all 3 Bureau scores do not reflect that?? Trans Union and XXXX has been horrible with my inaccuracies and it is affecting my credit score and my ability to buy a home with better rates! 

XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX # 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 2022-11-28
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I transferred money to my Apple Card by Goldman Sachs to cover my balance and my credit card was restricted after. The customer service agent refused to tell me why my card has been restricted or give me a time frame regarding when it will be released. This is unacceptable considering I use this card for the purpose of purchasing groceries and other food items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages with Caliber Home Loans. In XX/XX/XXXX, i attempted to set up biweekly automatic payments. I called and I asked to have automatic payments deducted biweekly for each mortgage. I was told there was an issue with the online system to set this up but they would mail me forms to fill out, and they could not set this up over the phone. I have never received the forms. I have called several times and each month when Ive made my payment I attempt to see if the issue with the online auto payment is available for biweekly. As of XX/XX/XXXX it is not. 

I have had other mortgage companies and have never had an issue with setting up biweekly payments either over the phone or online.

Company response to consumer: Closed with explanation