BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2014 I entered into a settlement agreement with GM Financial. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. GM Financial has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement. last XXXX SS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My 20 year credit history is great according to XXXX and XXXX, however Experian has no record of my existence. This is posing a problem because I 'm trying to secure a mortgage for a home for which the seller has accepted my offer. Nothing at all came back from Experian when my broker ran my credit report. I tried to receive my credit report from Experian 's website and phone services, but they say " We 're sorry, we could not fulfill your request at this time '', but gave a phone number and email to contact. 
I sent an email, several days ago and have heard nothing back except for an automatic confirmation that they received it. I also tried the phone number but I am not able to speak to a person without a credit report number. I was able to finally get ahold of a real person after calling their business customer service line ( getting yelled at for doing so ) and getting transferred several times. The customer service representative I finally got on the line was not able to access my account, and " escalated '' the issue to a group that " handles these issues '' through an email that only Experian employees have access to ( there is no way to call this group either ). He could n't give me an estimate of how long it would take, but said they would call me back soon. Based on my previous experience with Experian and email, I have no guarantee that I will ever hear back, and I do n't know what is considered a reasonable amount of time to wait for them to respond. 

So, I 'm getting a bit antsy as this is the last step to getting my dream home, the clock is ticking, and it seems I may not be able to secure a loan without resolving this glitch. I figured that filing a complaint here was a good step to take. 

I should note that my identity was stolen in XX/XX/XXXX and my social security number was used to purchase multiple vehicles. I reported it as soon as I found out, filed a police report, and thought I did a pretty good job clearing my name, although this was before the Fair Credit Reporting Act was passed and there were not the legal options for me to pursue ( I did consult a lawyer at that time ). I did not have a problem securing a mortgage in XX/XX/XXXX, refinancing several years later, or obtaining a credit card since then. So I 'm not sure the identity theft incident is related, but thought I should mention it. 

I can submit any supporting documents you need to help me resolve this. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a summons from Midland Credit Management Inc. and provided answers to the court. I also sent certified letter to the XXXX attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, ) for " Request For Production. '' They did not respond. Although I have proof the letter was signed & received by their office on XX/XX/XXXX. They also failed to show up to court on XX/XX/XXXX. The next hearing has been rescheduled for XX/XX/XXXX. My lawyer and I are prepared to file suit against Midland Credit Management for fraudulent debt collection if they can not properly validate the debt or dismiss the lawsuit before the next court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been paying on a loan, on my XXXX CHEVROLET CORVETTE, which I have made a point of not being late, in order to build up my good credit record. I have been expecting my last payment to be final XX/XX/XXXX & expecting to be able to collect the title & was very excited that it will soon be over with & would be paid for however noticed the statement even gives a 4 payment to go & it also states that there has n't had any past due amounts or late fees charges on any of my statements. Yet my payments on the loan is {$510.00} ( {$460.00} principle + {$45.00} interest ) which would be {$2000.00} but they claim I owe {$3100.00} for my current balance? Which is {$1100.00} still left they are claiming I owe?? So I tried resolving this with customer service & was informed I was n't late on my payments ( which I specifically made sure I was NEVER late to making my payment in order to build a good credit history ) but was being charged an interest fee they charge daily that I am required to pay for even with making all my necessary scheduled payments & NEVER was it ever listed on my statements that they were charging me ANY of these fees or that I even owed it. They claim I was informed of these such charges & even mentioned how it was on my contract & if I did NOT pay this added amount within 30 days after loan matures that they have the right to REPO MY VEHICLE!?! Yet directed me to another department to make arrangements for this additional amount they are trying charge me. I feel very disappointed about this whole ordeal & wanted it to be rectified & have it resolved!!! I CA N'T BELIEVE they can get away with this & would appreciate any advice resolving these charges or fees & would like to inform anyone else who maybe considering using their services to BEWARE OF HOW THEY CONDUCT BUSINESS WITH THEIR LOYAL CUSTOMERS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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 was looking over my credit report a couple of weeks ago and noticed accounts on it that were not mine. There also isn't anyone other than myself who has authorized access to my credit report. I am not sure how this could have happened, but I am asking to please have these accounts re investigated. I am in a position now that i can not acquire new credit and it is completely unfair. Please remove these fraudulent accounts.

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 2016-07-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Santander Bank charges a $ 5 monthly fee whenever the " value '' checking account average daily balance for the month drops below {$500.00}. That 's OK and clearly described in their terms. The problem is that they post the fee on the first day of the new period, the day after they send out the statement for the period for which the fee is levied. This means that their customers checking balance is {$5.00} less than the customers expect, and for those customers who live on the edge, might result in hefty overdraft charges. I believe that sticking those unfortunate customers with those onerous overdraft charges as a result of a month long delay in notification of a {$5.00} service fee is the exactly what the bank intended. 

There should be a requirement that requires banks to post any monthly service fees charges on the last day of the monthly statement period so that they are included in the monthly statement.

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 2016-07-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Contacted Equifax about a Hard inquiry on my allegedly reported from XXXX XXXX dated XXXX XXXX XXXX I believe to be wrong. Also contacted XXXX XXXX. XXXX replied with letter dated XXXX XXXX XXXX confirming according to their records, that entry of the hard inquiry appearing on my Equifax reported date XXXX XXXX XXXX is indeed wrong. It will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On some of the charges the name and other information is inaccurate, while some charges are not possibly mine due to the time they occurred and the amount. In XXXX I had all of my personal information with my ID, Social security card and some other things stolen along with my moms purse. And XX/XX/XXXX I was mugged and they took my wallet which had my ID, passport and Debit cards in it. I want to enroll in a monitoring service because my credit score is frighteningly low due to accounts that were either fraudulently opened or mistakenly charged.

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 2021-01-28
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: Account information incorrect

Complaint:
I am disputing the following account XXXX XXXX. The balance on this account is inaccurate.

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 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from 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 explanation
Consumer complaint received 2022-07-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got a mortgage for my home in XXXX. XXXX  was the lender, who on my mortgage documents, automatically assigned to XXXX XXXX XXXXe ( XXXX )., In XX/XX/XXXX, Wells Fargo took over as my mortgage servicer. 
On XX/XX/XXXX, after 18 years, Wells Fargo decided to record the reassignment of my mortgage in XXXX XXXX clerks office, from XXXX, XXXX to themselves. They list the starting date for my original mortgage XX/XX/XXXX, XX/XX/XXXX as when they took over my mortgage. This is totally false information. They took over as my mortgage servicer XX/XX/XXXX. 
A Wells Fargo Loan analyst, signed the reassignment document as a XXXX  employee ( Asst Secretary ). 
Where's the original reassignment document signed by a real XXXX employee?

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 2022-04-19
Company: Experian Information Solutions Inc.
State: SC
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 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 Accounts : XXXX XXXX XXXXAccount number XXXX XXXX XXXX-Account number XXXX XXXX XXXX.-Account number XXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/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 2022-10-15
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: Credit inquiries on your report that you don't recognize

Complaint:
The credit inquiry named XXXXXXXX XXXX XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The credit inquiry named XXXXXXXX XXXX XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.

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 2016-07-28
Company: Statebridge Company
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was under bankruptcy because my mortgage was XXXX $ so I was contacted by XXXX XXXX XXXX XXXX and they work with preferred law, this was in XXXX 2015 so we started a packet they asked me to fill out documents send them back and they said my file will go to my lender and a negotiator and that it will take 10-15 days we 'll they been asking for the same info for six months they collected over XXXX, they claimed my insurance was escrowed Ave it never was, the switched all my contact info to them so I could n't contact my lender not could they contact me, they had me stop my bankruptcy, and also told me not to send any money to my mortgage, I 've asked over and over for proof and results since it 's been over 6 months or to give me a refund they did n't try to resolve it nor when I kept asking for proof and asking questions they ignored it they said they closed my case and I probly ca n't get a refund because of all the so called work they did, ask they have done was have my old mortgage servicing company send them my mortgage note, I at my own expense sent all required documents called my lawyer and did most of the fit work, I did alot if work on my end they ca n't show me proof of anything but asked for more money they said the {$3900.00} was for ask the work they done and that the extra money is for continuing my case well that 's what the letter I got says they have a retainer agreement that says that amount of extra money is for something else and i was verbally told the money is for them and then getting needed info I 've caught them in so many lies and nothing ads up all I isa refund so my child can have XXXX there 's so many discrepancies i ca n't think of them all to note but I can say this they have complaints with the XXXX even on there own XXXX page under preferred law they have complaints I 'm trying to do ask that 's possible get my money back and try to get a real modification, I have a new mortgage servicer which I never knew about I accidently going found out about then when I got insurance I 've tried contacting them with no luck because preferred law had it so I ca n't. I was trying to get a modification through XXXX XXXX and they denied me, note I 'm going to try state bridge but they will not return my calls it looks as if I 'm going to lose my home and I do n't even know if I 'm in foreclosure because I have no contact with them they 're not rerunning my calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian 's upload/dipute system is non-functioning so I ca n't dispute these items on my credit report. 
XXXX, ACCT NO.XXXX has XXXX collection accounts reporting for years reporting a duplicate collection for a single service with slightly different amounts and a single digit difference in the account number XXXX and XXXX dollars.the original creditor is XXXX.Please delete XXXX accounts.

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 2022-10-15
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: Personal information incorrect

Complaint:
I did a thorough investigation on my credit report and seeing and seen Experian was reporting in accurate addresses listed on my personal information. I called to dispute the information that wasnt accurate on my credit report such as the three addresses that I have never seen and I asked for Experian to remove them I send a dispute letter by mail with a copy of my ID, social Security card my insurance card to verify in result the issue wasnt 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 2022-04-19
Company: LEXISNEXIS
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:
Lexis Nexis provided a report to our insurance company that gave banking information indicating a problem resulting in a lower rate. I pulled the reports from Lexis Nexis that indicated an insurance inquiry but no banking items. FIRST issue is that neither company disclosed the credit reporting agency the banking information came from, which is illegal under the credit reporting act. SECOND issue is that my report has someone else 's information on it. Our social security numbers are off by one number and we have the same first name. I have already resolved this with the three credit bureaus over the years. THIRD issue is the information Lexis Nexis is providing without my consent to me or the other woman involved. I now have her social security number, drivers license number, car VIN number as well as her husband 's information. She has the option to receive the same information for me. Lexis Nexis is providing my information WITHOUT MY CONSENT. Lexis Nexis told me today I don't exist although they provided me a report when I requested it and expect me to jump through hoops to prove I do. I have a REAL ID drivers license which I already jumped through hoops to get, which should be used to verify the information. I need Lexis Nexis to follow privacy laws, stop combining reports of unrelated people, disclose reporting agencies, and issue me a corrected report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I got results on XXXX XXXX 2015 showing accounts no longer reporting my equifax credit file. I have attach the XXXX XXXX results. A month or two later the accounts showed back up on my credit report. As per FCRA if items get reinserted I need notification within 5 days I did not get that. Violation of the FCRA. Either remove the items or the next letter will be from a attorney with a lawsuit and owing me money. I have tried disputing mult times with no luck. 
Here is what the FCRA says about reinserting, i ) If any information is deleted from a consumer 's file pursuant to subparagraph : ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause : ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;

Company response to consumer: Closed with explanation