BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: General Motors Financial Company, Inc.
State: KS
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 am exercising my right under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, Credit Reporting Resource Guidelines. I am DEMANDING you remove this item immediately. GM Financial, account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all LEGAL REMEDIES at my disposal Accounts must be deleted for the following reasons : Credit Reporting Resource Guide XXXX -Accounts which are reporting inaccurate information, Charged Off accounts reporting a positive balance. 
-Accounts which are reporting inaccurate information, Charged Off accounts reporting a Past Due Balance -Accounts which are not reporting monthly, Failed to report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of the year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$15000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNT- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage is being predatory to their existing VA borrowers. They are offering ZERO options to work with borrowers that are impacted by Corona. On the front page of their website it basically says pay now or else. They are kind enough to offer 90 day forbearance but all 3 months are due in full after 90 days. They are however shoving refinance offers down our throats. I get weekly calls from them offering to refi. However, when I asked how much it was to refi, i was told roughly {$1900.00} after Freedom helped me out with some of their closing fees, but dont worry bc its rolled into your loan. Way to take advantage of peoples hardship freedom. - disgusting

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 2016-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX of XXXX, I filed an online dispute with Experian regarding my XXXX XXXX account. I received their reply in XXXX XXXX. In accordance with their recommendation, I contacted XXXX ( the original creditor ) with a request that they investigate their records and inform me the items on my account that they were reporting. I received XXXX reply in XXXX of XXXX. XXXX stated these were the items from my account that they were reporting : Settlement payment received on XXXX XXXX, XXXX ; account is closed ; account was paid in full for less than full balance ; account reflects a XXXX balance. Experian, even after receiving a copy of this letter from XXXX in XXXX of XXXX, is still reporting items from my account that are not included in the list of items that XXXX verified they were reporting. The non-verifiable items that Experian is still reporting are : a " High Balance '' of " {$7700.00} '' ; a " Credit Limit '' of " {$7100.00} '' ; " Terms '' of " 1 Months '' ; a " Recent Balance '' of " Not reported '' ( should be " XXXX '' ) ; and a " Status '' of " Paid in settlement '' ( should be " Closed '' ). Experian is required by law to report 100 % complete, accurate, and verifiable information on my account, and by reporting these items that XXXX states they are NOT reporting, then Experian is in violation of the law. Please correct these items immediately on my 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 2016-07-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing this letter to inform Experian to remove all information pertaining to XXXX account # 's XXXX, XXXX, and XXXX. I would also like to have this company blocked from ever being able to report any information about me in the future. Although XXXX agreed to delete account # XXXX on XXXX XXXX, XXXX ( letter enclosed ), XXXX simply created another account number ( XXXX ) by rearranging the previous account numbers, and used my social security number to open another account with them on XXXX/XXXX/XXXX. XXXX alleges that I used a car for collateral to open this personal loan account on XXXX/XXXX/XXXX ( collateral letter that was notarized, is enclosed ). This information is completely false and illegal and should not appear on my credit report. I have been disputing XXXX since XXXX with Experian. For some reason my dispute letters were ignore and unnoticed. I constantly asked for verification of the account ( disputes information that was sent certified mail with return receipt or uploaded for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are enclosed. ) XXXX did not verify the account with me, after the dispute on XXXX/XXXX/XXXX, until XXXX/XXXX/XXXX! Even though the information that I requested was not received from XXXX, nor did Experian provide me with any information that they recovered. Experian continued to report that the information XXXX are reporting is accurate. Because of this negative information, I have been denied credit and have had high interest rates. It was my understanding that the company and Credit Bureaus had 30 days to verify the account information with the customer. I feel that my rights as a consumer have been violated with XXXX and Experian. At this point I have enclosed all letters indicating that no accounts should be reporting to Experian at all. I ask that Experian do not allow XXXX to report anything on my Experian report due to illegal credit reporting activity and to block XXXX from any reporting activity on my Experian report. This information has been sent to XXXX and Consumer Financial Protection Bureau. 
Please do not continue to allow XXXX to damage my credit with false and illegal activity.

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 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I realized that monies were transferred from our savings account to XXXX XXXX  in the amount of {$27000.00} without our knowledge or consent. I immediatelly called bank of America and informed that we were out of the country ( XXXX ) and did not authorize any transferring of funds. Bank of America put an immediate freeze on our account and upon our return on XX/XX/XXXX we went to the bank to find out what was happening. We were told it could take 45 days to be disputted. On XX/XX/XXXX we received a letter from bank of america stating that the claim was closed because XXXX  XXXX   sent them proof of our enrollment or authorization. Since we were out of the country, I do not know how this was done. I have continued to dispute this and have notified our local police department of fraud.

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 2017-01-20
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out loans through Sallie Mae and they were to be deferred payment so I did not have to pay on them while I was in school. Responsibly, I started making small payments each month to get a little ahead and then payments started being required of me and they were more expensive. When I asked about it they told me it was just how the loan was set up. Even though it says the repayment date is XX/XX/2019, I am still having to pay on it. This is not how my loan was to start with and I should not be required to pay back money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On   XX/XX/16  I lo gged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called XXXX XXXX. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/2020 At XXXX XXXX I walked into my Bank of America branch in XXXX XXXX Virginia and deposited a check for {$2200.00} before depositing this check I was not explained policies of Bank of America as far to as how long they could hold my money ... as it stands they have put a hold on my check for over two weeks and has changed the date of availability of funds three different times they changed it by email they changed it by phone conversation and none of that matches up with the receipt that they gave me when I left the bank.. they first told me that my because my account was not 30 days old that they placed a hold on it and then an email they sent me they said a hold was placed on my check because specific information indicates this item may be returned ... it's kind of ironic information because Monday I deposited a check from the same exact company and the money was available next day ... when I called Bank of America Corporate I was told by not a teller but by a manager that Bank of America have the right to hold the checks for as long as they want and that they did not have to adhere to Federal Regulations whatsoever in fact they've never even heard of federal regulations not even regulation CC ... I implore you to investigate this for me please because it seems like an extravagant amount of time to clear my money especially during this National crisis that we are facing ... 
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 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On   XX/XX/16     I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the   XXXX   of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.

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 2020-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2018 usa bank I was tey to open an account and it went my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX INQUIRES : 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 2018-01-06
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
I disputed this account and asked for it to be verified and validated. I never received any proof of anything from credit bureau nor finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX  XXXX  XXXX  RECENTLY REPORTED ON XX/XX/2020 AN ACCOUNT THAT HAD BEEN DELETED, EXPERIAN HAS ALLOWED THEM TO PROVIDE INFORMATION ON A ACCOUNT THAT HAS BEEN CLOSED AND DELETED.

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 2022-10-02
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:
I sent a certified letter to XXXX and Experian XXXX of XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. 

XXXXXXXX XXXX  XXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX  Accout # XXXX charge off date XX/XX/XXXX XXXX XXXXXXXX XXXX account # XXXX Charge off date 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 2022-09-06
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 a collection for {$3200.00} USD posted to my credit report as collections. I am POSITIVE this is false. 
The supposed collections company is called Harvard Collections ( address in XXXX ) the phone number for them is XXXX XXXX XXXX. A woman answered immediately asking for my social security number. When I told her this was fraud and I felt uncomfortable giving that over the phone and I just wanted to speak XXXX someone to make a complaint to try and fix this, she HUNG UP ON ME!! I called back multiple times with no results and have since researched this place ( Harvard Collections ) and realized they have a SLEW of complaints posting crazy collections to people 's credit reports that are completely FALSE! 

I would really appreciate if someone could fix this for me asap and stop these people. My credit score dropped XXXX POINTS within days of this fraudulent collections claim. I'm devastated right now as I have a 100 % payment history and am extremely serious when it comes to my credit & credit history. 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Weinman Acquisition Group
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I took out a payday loan from XXXX, paid regularly until i got behind, the debt went to a collection agency, i paid the amount in full, i paid a total of {$810.00} on a {$300.00} loan in 2013, have the receipts, if anything they owe me money. For the last 3 years, several agencies representing XXXX have threatened arrests and lawsuits, the last collection agency was weinman acquisition, this agency stated they were a county tax office trying to deliver or fax documents, i called XXXX, the representative never identified it was a collection agency or stated this was an attempt to collect a debt, look up some info on the internet apparently this company makes these illegal calls regularly, they left a message on my phone which i have saved for my records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation