BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: General Motors Financial Company, Inc.
State: MI
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:
Company reporting currently late on an account that was charged off in 2016 lowering my score 30 points per XXXX, they recently change the status on XXXX  to currently reporting Charge off monthly, not exactly sure if the balance showing is accurate never received notice of a surplus/deficit if vehicle was sold or when it was sold. Reporting 2 different closing dates between CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Penn Credit Corporation
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told them that this is not me. I have never been to this part of Florida. i have never been in an ambulance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX-exhausted my going back to school defermentXX/XX/XXXX-ca n't lower payments because they take my cosigners income in consideration to my income. Wo n't try anything because his income needs to be added into financial hardship. Which wo n't help because two incomes wo n't show that I 'm i ca n't pay that much. We do n't speak anymore and his income is not my income it 's supporting his family and their expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Sunbit, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXXSunbit reported late payments on my credit report for XXXX months and I been emailing and calling the company since XXXX XXXX informing them of the service that was paid for was not done at all. Also the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and mechanic XXXX XXXX over charged on parts and labor as well double charge the lease agreement for serpentine belts and labor as well mounts brackets and bolts. I have submitted a settlement agreement to XXXX XXXX XXXX to cover repairs and damages done. XXXX/Sunbit representative told me that I wasnt gon na be able to rescind my contract and get full refund of all amount paid out to both XXXX XXXX XXXX and XXXXSunbit Bank. Now Im competent and evoking my Consumer Rights of Rescission, XXXXSunbit Bank XXXX XXXX XXXX XXXX XXXX disclosed nor deliver to me the XXXX separate Notice of Rescission conspicuously. Also XXXX/Sunbit Bank never disclosed that I had a option to opt out of having my private consumer transaction furnace to XXXX XXXX XXXX XXXX XXXX institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both XXXX and TransUnion. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.

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 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion is reporting a Bankruptcy on my report. The courts do not verify that information. That information is pulled from a third party reporting. Therefore it needs to be 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 explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance XXXX {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance XXXX {$74.00}

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 non-monetary relief
Consumer complaint received 2018-06-01
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: Account information incorrect

Complaint:
This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to XXXX, XXXX, and Equifax. XXXX has my opening date as XX/XX/XXXX ;  whereas, XXXX, and Equifax cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of { {$1400.00} } This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit 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 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received a text alert that someone tried to use my debit card for {$500.00} at the XXXX XXXX XXXX in XXXX, GA. ( I do not live in XXXX, nor have I ever been there. ) It was declined by my bank. I then checked my account and discovered two debit card charges in the amount of {$320.00} and {$490.00} on XX/XX/XXXX at the XXXX. I reported the fraud and my card was cancelled on XX/XX/XXXX. The card was in my possession at the time. Bank of America gave me credit while they investigated. On XX/XX/XXXX, I received an email that stated the investigation was being closed. The bank determined the debit card chip was read and they were taking the money out of my account. My debit card was ALWAYS in my possession. I was told that filing a police report would re-open the investigation, but they would probably not be able to find anything at this point. Bank of America could also not tell me the times of the transactions, only the date for the police report. My debit card was not the one used at the XXXX, since I was in XXXX, Ga at the time, with my debit card. I asked if the bank checked the cameras, but was told they don't have the authority. I would have filed a police report earlier so this matter could have been fully investigated. The banking rep told me that they don't require one. Bank of America has a bigger problem since it appears their debit card could be counterfeited. I filed a police report on XX/XX/XXXX with the XXXX County Sheriff Dept.

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 2022-09-08
Company: EQUIFAX, INC.
State: MA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXXXXXX XXXX XXXX  XXXX Date opened XXXX XXXXXXXX XXXX Balance $ XXXX Late Dates XXXX, XXXXXXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: ALLY FINANCIAL INC.
State: VA
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 Consumer XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) Ally Financial has violated my right to privacy by furnishing information about me without any lawful authority. Ally Financial is a also in violation of Regulation Z 1026.13 ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Ally Financial was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information by Ally Financial and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, XXXX, and XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with Ally Financial Must be removed. Ally Financial was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. Ally Financial has continued to report on my consumer report as a way to extort me for money XXXX XXXX XXXX which says that the collection of extension of credit by extension is a criminal offense and any XXXX or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.

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 2022-09-08
Company: Experian Information Solutions Inc.
State: MA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date opened XX/XX/2021 Balance $ XXXXLate/Open Late Dates 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 2022-02-16
Company: Spring Oaks Capital, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the mail from " Spring Oaks Capital LLC '' stating that I owe an alleged debt. I am a federally protected consumer under the United States Constitution and my consumer rights are being violated. The reference number on the letter is XXXX. I do not owe any debt and I demand that they cease any collections effort immediately and do not report anything to any credit reporting agency. I unfortunately have been a victim of identity theft resulting in fraudulent accounts being opened in my name. Spring Oaks Capital LLC are illegally attempting to collect an alleged debt that they have received fro " Upgrade ''. I supplied " Upgrade '' all of the supporting documents that prove this isa fraudulent account. Upgrade removed the account from my credit file and stopped attempting to collect the debt. Spring Oaks Capital is violating the FDCPA sending me deceptive forms to make me think I owe an alleged debt and take my money. It is illegal for them to collect on a fraudulent debt. I demand that they stop attempting to collect the alleged debt, send me a letter relieving me of financial responsibility and do not report anything to any credit reporting agency. If they do not the will be responsible for civil and criminal liability under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
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 status incorrect

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: SC
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX  XXXX : {$0.00} XXXX  XXXXBalance : {$74.00}

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 non-monetary relief
Consumer complaint received 2017-06-20
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 is missing that should be on the report

Complaint:
XXXX The account was paid in full via the XXXX XXXX XXXX arrangement for a payoff date directly with them they agreed to. How can anyone continue a security hold on a paid item- duh? That hold needed to come off once the account was paid. Never was I advised I was closing the account. At minimum the account should be moved to good standing paid. This is beyond comprehension that it should remain in the negative side of the report causing me untold financial harm! Their retort- When an account closes, XXXX has an obligation to report that accurately, using the format set by the credit reporting agencies. To report an account as closed XXXX must either indicate the account as closed by consumer or by credit grantor. Since it was not our decision to close your account, but rather you through your mortgage lender, we reported the account as having been Closed by consumer.
1 this was a requirement of the Title Company when a home closes. It was not my request to close the account as they stated it was THEIRS- and that should reflect on the account pas paid in the positive column.
2- I was advised by them verbally the account would remain open. So much for Oral agreements! ' The key word accurately! I never closed the account- it was by nature of another lender and they never asked the account be closed just the security hold removed from public records. [ as closed by consumer or by credit grantor. ] If this is the companies policy then let them report accurately as they openly state they are required to do. How can they post this in the negative when they were involved in the account payoff?

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 2021-09-24
Company: EQUIFAX, 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:
Inquiries need to be removed. I didn't give them permission to access my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I bought a car, refinanced through wells fargo. I fell behind but I did settle with them I sold the car, and sent them all the money, and released the title to the buyer but its still showing that I owe.That part is incorrect because we settled. And its still on my credit. I took out a loan and wells Fargo sent then a letter saying it had been resolved but it still showing.

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