BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 explanation
Consumer complaint received 2023-10-10
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We purchased GAP  through ALLY which was paid at the dealership at the time of purchase. 

The vehicle was involved in an accident, and totaled out, Working through GAP and ALLY, the dispute was with GAP and ALLY, Gap promised to pay, however, ALLY indicated that the amount ws not correct, As a result, it is still showing that the payment is owed by the consumer ( which is not true ) Each time Ally was called it was stated that they would fix the issue. It has been almost a year now, and not only is the debt incorrect, it continues to report negatively to my credit, adversly impacting my ability to purchase another vehicle and a home. 

Now, it appears that the debt has been sold to a collection agency which should have Never OCCURED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXXXXXX 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 XXXXXX/XX/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 2023-06-12
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
On XX/XX/2022, I refinanced my home from LoanCare LLC to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was inquiring from LoanCare LLC to find out if I was suppose to receive a refund from my Escrow Account. It has been more than 4 weeks since I sent the letter requesting that information and to date, I have not received a response. Also, I did not receive any documents stating that the loan was Paid in Full. If there was a refund sent and somehow I don't remember it, which I doubt, I would like evidence of that action. 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
Consumer complaint received 2023-10-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
So i was purchased a USED XXXX XXXX XXXX XXXX Back on XXXX XXXX. 
The sales know i am in a rush and need finacing.They put some unnotice extra charge on it. 
The car mark as XXXX USD but they make the whole loan end up like XXXX and financed amount become XXXX even with my down payment for XXXX the car bought from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX and it has pre delivery fee I AM NOT EVEN NEED THE CAR TO DELIVERY I GO TO THEIR STORE TO BUY IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In dealing with Credit Acceptance for our vehicle loan, we had some difficulties paying the large monthly payment. Credit Acceptance created an alternate payment schedule for us, which we upheld to the payment plan until the time in XX/XX/2023 when we paid off the vehicle. 

During this time, even though we were making payments according to the payment plan Credit Acceptance designed, they were consistently reporting late payments. 

I do not understand if we were making all payments on the agreement we had in place & they were accepting the monthly payments, how could these payments be considered as LATE I have contacted Credit Acceptance on 2 occasions since XX/XX/2023 to have these remarks removed. These derogatory remarks have had a lasting impact on my report, making it impossible to receive any opportunity for loan approval. 

I pray that you can assist me. I desperately need a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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've contacted XXXX XXXX and XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$620000.00} and XXXX XXXX Date Open : XX/XX/XXXX Balance : {$250000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: MIDFIRST BANK
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Midland Mortgage, payment was made online prior to XXXX. Mortgage company post payment XXXX results in a 30 day late. Ask to remove 30 day late as payment was made prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Genesis FS Card Services, Inc.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My husband is XXXX XXXX XXXX. My apr should be 6 % the are charging me 36 %. They have also tacked membership fees for opening the account and several others. This is a violation of the military lending act. My account should be reimbursed the membership fees and the other fees tacked on. Also it needs to be corrected to the max of 6 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit reporting 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:
To whom it may concern, I am requesting to remove the unauthorized inquiry as a result of Identity theft from PENTAGON FCU-XXXX on my credit report. 
The credit inquiry is from PENTAGON FCUXXXX on the date XXXX/XXXX/XXXX. And it is on XXXX. 
I have not applied for anything with PENTAGON FCU-XXXX and did not EVER authorize PENTAGON FCUXXXX to check my credit history. This is a result of a recent identity theft. 
I am requesting that the unauthorized and illegal credit inquiry be removed from my credit report as soon as possible. But if PENTAGON FCU-XXXX  is able to prove that the inquiry is indeed valid, I request that PENTAGON FCU-XXXX provides written proof and a description of how the investigation was conducted. 
Enclosed are the reports of Identity theft filed with the XXXX Police Department and the Federal Trade Commission. 


Sincerely, 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 2023-10-20
Company: ZIONS BANCORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is 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 2023-06-12
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting 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 have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

My personal information has been stolen and sold to consumer reporting agencies therefore I am a victim of identity theft.

I have tried disputing such claims however nothing has been done. This is effecting my reputation and everyday living.

Pursuant to 15 USC 1681a ( d ), 15 USC 1602 ( L )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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 reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX Balance : {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a loyal XXXX store card owner of a synchrony bank card for a number of years. I have faithfully paid my accounts in full over these years. This past month in XXXX I had an issue with my bank where unbeknownst to me, the payments I made on my XXXX store card were being reversed for some reason, I called synchrony bank XXXX  ok XX/XX/XXXX and XX/XX/XXXX informing them of the error and I made the payment in full the same day of the second call on XX/XX/XXXX. It was literally a bank error that caused the XXXX reversals, I am so surprised to receive a letter in the mail today that my account has been closed and that my {$1800.00} in reward points that I had saved up have been forfeited! I am so disheartened. It seems like as I was talking to them and keeping them updated as a respectful person they were planning to close my account even after I paid my bill! It seems like a shady practice and have negatively impacted my XXXX XXXX. I attempted to call synchrony bank and XXXX my case, I spoke to XXXX XXXX in customer service and he simply said I can reapply but my points are forfeited. I really hope I am able to receive some kind of support to continue to be a synchrony bank consumer in the future in reopening my card and receiving my {$1800.00} rewards points on my XXXX prime store card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle was repossessed on the weekend of XX/XX/XXXX. On XX/XX/XXXX, I contacted and paid Westlake Financial the total sum amount of {$2200.00} which I was told included missed payments, late fees and repossession fees. The breakdown discussed was also displayed in my online account summary. A week later or possibly sooner, I see an additional $ XXXX in repossession fees added to my account after I had already paid and retrieved my vehicle. I contacted the company to request something in writing that shows that additional fees could be assessed afterwards and was told there is nothing in writing but that I owed the amount. I think this is completely unfair and unethical. The company is evidently attempting to place in a worse financial situation without any documentation to support their ability to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i received a XXXX payment from a friend. it has been placed on hold and now citizens is making me wait until wednesday to receive the funds. i have no money and theres zero reason to make me wait till wednesday. i need to buy food!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Credit reporting 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 DID NOT AUTHORIZE THESE INQUIRES. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX SIMPLE Account Number XXXX Delete this account. 

2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX  XXXX Account Number XXXX Delete this account 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 2023-08-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing because I have a account on my credit report that is not mines. And should be deleted from my crefit file .. Me and my father have the same first and last name. I also have a letter from XXXX stating the fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2023, I noticed that I began to receive charges from a merchant called XXXX. I immediately contacted my bank and informed them about the charges. The initial claim was filed in XXXX, my account was credited almost {$1000.00}, and the claim was closed with no issues. The agent that submitted the claim advised me to call back and submit another claim if I discovered more charges. On XX/XX/XXXX, another claim was filed for the same merchant with my bank. There were a total of XXXX unauthorized submitted with the new claim. On XX/XX/XXXX, my claim was denied after being promised provisional credits for two weeks. On XX/XX/XXXX, I contacted the merchant directly, who confirmed I do not have an account with them and someone indeed made fraudulent charges. After speaking to the merchant, I contacted Wells Fargo AGAIN. I got to the claims department, talked to a representative, and explained what the merchant told me. She stated that my claim had been denied and she couldn't reopen the claim. I asked if the merchant had sent an email saying they closed the account that contained my payment information, the charges were unauthorized, and they needed to work with my bank regarding a refund. And I asked what I needed to do to resolve this issue. She told me to send that email to the claims department, and someone would contact me within XXXX hours. She gave me the email address and told me to send over an email from the merchant stating the charges on my account were fraudulent, and we would go from there. Once again, I am still waiting to hear back from Wells Fargo. This situation has caused my son and I to lose everything we own, and we are now homeless. I have contacted the Executive Office at Wells Fargo, which continues to give me the run-around. I have attached all of the transactions below.

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