BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
XX/XX/2024 This morning I got a text message from usps saying that there was a delay for my package and I opened the link and put my debit card info in and I used both my debit cards because it said that card was invalid

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 2021-02-06
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/2020 I mad a settlement for {$700.00} from the balance of {$4400.00} a special off from. westlake financial in retun they will close the account they did not close the accounts and I can claim the balance at the end to IRS

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 2021-04-16
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I filed a dispute against XXXX XXXX. I bought a wig from them in the amount of {$210.00} that I was not so satisfied with and decided to file a dispute without sending the wig back. Well bad bad bad idea for me to consider. Meanwhile, I decided to do the right thing and send the wig back from where it came from which is XXXX XXXX. All the while the dispute was still going on that I made back in XXXX. I sent the merchandise back on XX/XX/XXXX they received it on XX/XX/XXXX and even confirmed with me that have it and sent information to the bank on explaining to them to release my funds. Tracking number for that item is XXXX it was sent through XXXX. My dispute came back as denied as no error being made and there led to them to make the decision of no refund being made back to me. I have images and emails that follows my statements being said here today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Bread Financial Holdings, 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:
Victoria Secret Credit Card services marked my credit report as late on XX/XX/2020. I was infected with XXXX from XXXX 2020-XXXX 2020, I was hospitalized ands requested that this be suppressed from my credit due to the exigent circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: AE
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:
15 U.S. Code Subsection 1681c-2 states that a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving such information. However, it has been 30 days, and you are currently in violation of this law, as I am a victim of identity theft. I request that you immediately delete these items and provide an updated copy of my consumer report for confirmation. Account ( s ) XXXX XXXX account XXXX XXXXXXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX and XXXXXXXX XXXX XXXX Account ( s ) XXXX and XXXX XXXX XXXX Account ( s ) XXXX and XXXX These accounts should not be included in my consumer report as they are in violation of the law.

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 2023-01-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
Was notified through XXXX  that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted BMO harris Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects 90 days past due payments. Which I have proof of timely made payments. 

Bmo harris said they will do some research and get back in contact.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: MT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It distresses me that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and I believe every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX XXXXXXXX XXXX  XXXX XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item 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 explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I receive notification that my personal information had been found on the dark web including my Social Security drivers license and address. I tried reaching out to Experian in order to place a credit freeze on my account and tried using their online system twice but the site crashed both times. then when I tried to contact Experian its absolutely impossible to get a hold of them. the number only brings you to an automated system that wont connect you with a live person and is unable to set up a credit freeze or from alert. your only option is to mail in any communication to them. This is completely unacceptable given the fact they are one of the three major credit reporting agencies XXXX XXXX and XXXX are both easy and helpful and it was possible to set up a credit fraud alert and a freeze. This company shouldnt be allowed to act as a credit bureau if theyre not accessible to the public. I tried multiple ways of getting a hold of them including numbers that werent even designated for credit reports but nobody answers

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 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit which isnt authorized and fraud. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX, and the person couldnt find me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a letter from GM Financial in XXXX of XXXX stating they were moving to a new billing system in XXXX. In XXXX of XXXX I received another letter from GM Financial stating they were having issues with their billing system and I should pay the statements I receive and they will eventually start billing correctly. 

My normal lease payment is XXXX XXXX/mo. and in XXXX of XXXX GM Financial began billing me incorrectly, so I paid exactly what was on the statement and assumed they would send me a statement to catch up on payments. 

Inaccurate statements for XXXX were as follows : ( I have copies of all of these ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges XXXX XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} XXXX No late charges ) XXXX XXXX - Total amount due {$430.00}. I paid {$1500.00} XXXX No late charges ) **May XXXX - Total amount due {$540.00}. I paid {$540.00} ( No late charges ) *In XXXX of XXXX I was contacted by a collections agency stating they were going to repossess my XXXX if I didn't pay {$1500.00}. 
**In XXXX of XXXX the account started billing correctly. 

When I was told my account was in collections I paid the {$1500.00} they wanted and immediately contact GM Financial to be sure this would not affect my excellent credit score. Customer service was less than helpful at first. The first representative I talked to said I should have been making my regular monthly payments, my credit would be affected, and she asked if I " Only paid the amount due on all of my invoices '' - I answered " Yes '' and asked for a supervisor who again wasn't very helpful. After several calls back and forth I finally got someone who looked into everything and he told me this was happening to quite a few people and apologized on behalf of GM Financial. He told me they did report this to the credit agencies, but I would be able to dispute it w/o issue and he said it would be noted on my account. 

My credit score did take quite a hit from this and when I filed a dispute it was denied. I did everything GM Financial asked of me, I paid all of the statements that were sent to me ( on time ), my statements show all payments were on-time, and GM Financial did not contact me a single time to tell me they were sending my account to collections or my vehicle was being sent to repossession. 

My current credit score has one blemish - 30 days late - GM Financial - XXXX and GM Financial is completely to blame for this. I recently had to take a higher mortgage rate because my bank sees late payments as a risk. The mortgage APR I was hoping to get was 3.99 % and I had to take one at 4.125 % Again, I have never been late on ANY of my payment to ANY of my creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX my family experienced severe financial hardship due to job loss and unfortunately XXXX of my Synchrony credit card accounts were charged off ( XXXX XXXX, XXXX XXXX, XXXX 's, XXXX XXXX ). Once my family regained stability, I reached out to Synchrony Bank to try and pay my debts but they would not accept payments from me and instructed me to contact the collection agencies they had sold the debt to ( XXXX XXXX and XXXX XXXX ). After several failed attempts at settling with XXXX directly, I contacted the collectors and was able to settle the previously mentioned accounts. Since settling, I have sent letters and proof of payment to XXXX via certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the most recent on XX/XX/XXXX. My letters requested that they either delete the derogatory accounts from my credit reports or update the status to " paid. '' However, each time they reply with the same generic response stating that they are reporting the accounts correctly and my credit reports still show " Unpaid/charged off debt. '' This negative, inaccurate reporting is preventing me from moving forward with my life and obtaining credit because creditors see their reporting and assume that I have not paid these accounts when I in fact have.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: NJ
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:
To Whom it may concern. I am writing this complaint in lieu of information on my credit report ( Late Payments ) that I have not authorized whatsoever. I have been violated and I am requesting and demanding that these matters be taken care of immediately, Deleted. As the law states. 15 U.S.C. 1681a, Sec 2 Exclusions 1 states, ) They are not allowed to share any information with third-party entities and they have indeed done so. Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. You are not allowed by Law to report late Payments to anyone without my Permission. ( A ) subject to section 624, any 1 ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And the fact that these companies have shared my personal information with third-party entities is a violation of my rights and it is against the law. I am demanding that the late payments be deleted from my credit report from the following violators. I will continue to press this matter until it is completely resolved, and I am asking that a full investigation be done. They have shared information in regard to my personal accounts with third-party entities without my consent or permission. 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 I am requesting that these late payments be deleted from my account as they are a violation of my constitutional rights. And further a violation of 603 - 15 U.S.C. 1681a.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed 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 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
upon checking my credit report I noticed that XXXX XXXX XXXX is reporting a debt collection for the amount of {$400.00} for apartment called XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this account I have never applied for such apartments either did I even reside at XXXX XXXX XXXX, I believe my information has been used to apply for the apartments. I have reside at the same residence 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 2019-07-12
Company: VW Credit
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, I was involved in a vehicle accident that resulted in my XXXX XXXX XXXX being declared a total loss by XXXX XXXX. After the collision center at XXXX XXXX XXXX in XXXX, NC, submitted paperwork to XXXX XXXX on XX/XX/XXXX, the insurance company sent the necessary power of attorney documents to my mother, XXXX XXXX, on XX/XX/XXXX. The car loan from VW Credit is in my mother 's name due to the fact her credit score is higher than mine and she was able to secure a lower APR when we refinanced the vehicle XXXX years ago. However, the vehicle has been in my possession since XX/XX/XXXX, and I reimburse my mother for all car payments. 

XXXX XXXX informed VW Credit on XX/XX/XXXX, that my mother and I had completed all necessary paperwork and had accepted the payout amount of {$5500.00} to go towards paying off the vehicle. XXXX XXXX requested VW Credit sign a letter of guarantee and send to the XXXX XXXX total loss department as soon as possible so that a check could be cut and overnighted to VW Credit. 

For the past 10 days, VW Credit has sat on the letter of guarantee, refusing to sign it. In the meantime, VW Credit continues to draft my mother 's bank account for car payments on a vehicle that is currently sitting in a salvage yard. On XX/XX/XXXX, VW Credit drafted her account for {$220.00}. I have reached out to VW Credit on several occasions, but I've been given the runaround. XXXX XXXX has contacted VW Credit on a daily basis to expedite my total loss claim but VW Credit refuses to acknowledge its fiduciary responsibility and sign the letter of guarantee. 

In the meantime, I am having to pay out of pocket for a rental vehicle. The current cost is approaching {$500.00}. I believe that VW Credit should do its job and close out our account, so that I may purchase a new vehicle. This is creating an undue hardship due to the fact I commute XXXX miles roundtrip to work every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX and I have a credit card with American Express. Last year of XX/XX/XXXX there was a check # XXXX in the amount of {$3000.00} was mailed to American Express. 

This check was mailed out on or around XX/XX/XXXX and after 30 days of no activiity it was believed that this check may have been lost in the mail. Check # XXXX that was written on my behalf by XXXX XXXX XXXX XXXX and sent to American Express now had a " stop payment '' placed on it. 

A new check was created by XXXX XXXX XXXX XXXX in the amount of " {$3000.00} '' and mailed to American Express. The number on this check was # XXXX and it is dated XX/XX/XXXX. The check was " cashed '' on XX/XX/XXXX and my American Express account recieved the credit of {$3000.00}. I have obtained a photostatic copy of the cleared check # XXXX. It is worth mentioning that my XX/XX/XXXX statement from American Express now shows that I have a balance of {$82.00}. 

The month of XXXX would reflect that everything is fine and that there were no problems. However, in early XX/XX/XXXX it would appear that someone at American Express had found the lost check # XXXX and attempted to cash check # XXXX. When this failed on XX/XX/XXXX AmEx had erronesously REVERSED the credit to my account from XX/XX/XXXX. Now my account is showing a balance of {$3300.00}. 

Over the past 11 months I have made several phone calls and I have explained this situation many times. I have provided proof in the of a copy of the cleared check # XXXX in the amount of {$3000.00} and I have enlisted the help of XXXX XXXX XXXX XXXX employee XXXX XXXX. None of this has help and not I am requesting your help with this matter as well. 

Thank you for your time. 

XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation