BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2019 I looked at my FICO score on my XXXX accounts ( logged in ) after a business negotiation due diligence effort detected an issue. Imagine my shock to see that my credit score, normally hovering between XXXX and XXXX, had dropped to XXXX in one month. That's a 137 point drop in one month. Knowing that purchasing/leasing a new car ( my only transaction affecting credit ) in that period couldn't cause that drop, I called XXXX XXXX. After several minutes ( 23 actually ) to get through the hold, I was told " that was Experian, not us '' and I'd have to call Experian. XXXX did connect me with a team to file a complaint against Experian. which took up hours of my day. So I call Experian and after 45 minutes on hold get the call center in XXXX ( barely intelligible English speaker ). She told me " that is XXXX XXXX, not us ''. XXXX-esque. When I explained to her that I ran my Experian report ( which I had already run to try to remedy and the online version showed " possible criminal activity '' at my new address, she maintained that that marker didn't affect my credit, tried to sell me a credit reporting product, then told me she has no access to my account ( doesn't Experian PRODUCE the information? ) and XXXX XXXX XXXX was responsible. Of course, there is no one to call at FICO. She offered to send me my credit report in print form. I accepted and noted that the report she finally sent has rescinded my " possible criminal activity '' from the report. And like magic, my credit score returned to XXXX the next week. The kicker? They had ERASED the 137 point drop from my XXXX history which is trackable in graph form from XXXX XXXX. What is infuriating is that no one took any responsibility nor is accountable to me. These credit agencies make mistakes that negatively affect my financial life but since I am the product, not the client, they do not care. This affected me materially - I was negotiating a business partnership and my credit score was part of their due diligence - it affected the contract negotiations in a negative way. I need an answer from both XXXX XXXX and Experian what caused this and what steps they will take in the future to prevent these kinds of mistakes ... AND WHY I AM NOT NOTIFIED OF BIG NEGATIVE CHANGES IN MY CREDIT SCORE. What about Americans who work 2 jobs and have no idea their credit has changed when they go to buy a car? It hurts everyone and is dishonest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Approximately XXXX months ago from XX/XX/23 I called XXXX XXXX Services to pay my annual fee and close my account. I was on the line with an employee for about XXXX minutes who said my account had been closed. 

Today XX/XX/23, I received a letter in the mail saying my annual fee was about to be charged. I called again and attempted to cancel my account and was asked a multitude of questions in an attempt to keep my account. The representative claimed to close my account but provided no confirmation of the such and said confirmation would come by mail. I do not think my account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02
Company: Stellantis Financial Services US Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
14 months ago I took out a auto loan with a company called first investors financial services this was considered a refinance loan and the payments were just under {$250.00} a month for 72 months and now after 14 months of successful payments I get a letter in the mail from the first investors financial services telling me that my current deductibles on my progressive car insurance needed to be brought down from {$2000.00} deductible to {$1000.00} and of course when I changed my policy in order to be in compliance with the finance company this drove my previous car insurance payment of XXXX change to now {$180.00} to start followed by payments of {$150.00} a month now as a consumer I am a senior citizen I am XXXX and I am drawing social security and therefore I live month to month on a fixed income if first investors can not provide me with some type of amendment that is legal in court stating that they have the right to demand that I change my deductible on my car insurance then this will be considered fraud on their part as well as breach of contract

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 2023-07-02
Company: Synter Resource Group, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I rented a XXXX truck from XXXX, CA, in XX/XX/2023. The order was created by XXXX XXXX and completed by XXXX XXXX, both of them didn't give me any information on insurance on the phone. I sent my studio assistant to pick up the truck and they gave me a reciept which has no signature by me or anyone at XXXX branch. I took the truck to XXXX XXXX, where its catalytic converter was stolen. I called XXXX 800 number and they asked me to take the truck to XXXX branch for a trcuk swap. 
In XXXX, I got an invoice from XXXX for {$13000.00} with just two days to pay the amount and a phone number for the XXXX XXXX branch for any questions. Both the XXXX and XXXX XXXX branch did not have any information on this when I called them and even suggested that it must have been a misunderstanding as they said its unheard of that XXXX charges the customer for this kind of theft. I was relieved and forgot about the incident. 
Five days ago, last week of XXXX, I got a phone call from XXXX XXXX from the company XXXX saying he is a collection agent and I have an unpaid bill from XXXX. I was frightened and horrified. I called both XXXX and XXXX XXXX branches again, and they found out that the XXXX branch was the one who sent out that bill. I spoke to someone named XXXX at XXXX who refused to hear me out and insisted that I pay the full amount. 
Meanwhile, I called XXXX company to find out if they are having similar catalytic converter thefts and if they are charging their customers. They said yes, they have had several thefts and they DONT chanrge their customers as the compamy has insurance for their vehicles. My concern is that the XXXX branch is trying to threaten me to pay the charges for something which Im not personally responsible ( unlike a vehicle collision ). 
I need some advice. I'm a struggling XXXX and I'm in no capacity to pay this charge. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, TRANSUNION & XXXX I received a copy of my credit report and I have found the following items listed with XXXX to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
I demand under FCRA : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is in CLEAR VIOLATION of the law.

These laws are put in place by congress.

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The definition of consumer : consumer means an individual. 

The definition of person is : person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity The law clearly states that a consumer report does not include transactions or experiences between the consumer and the person making the report ; I demand that XXXX follows the law. A LATE PAYMENT IS CONSIDERED A TRANSACTION OR EXPERIENCE. 

Does XXXX not consider a late payment a transaction or experience?

Company response to consumer: In progress
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company XXXXXXXX XXXX XXXX called my mother in law several times then my wife several times stating they have been trying to get ahold of me. They said they sent letters which I never received. I called the number provided and asked simple questions which seemed to upset the person on the phone. I asked for a letter to be sent explaining the debt and to verify the company is legitimate. The lady said she can email it, I said please send a letter. She hung up on me. 
She also said the last letter sent was 96 days ago.. she asked if I still lived on the road I lived on and also said my full social security number while speaking with me. She was upset that I was asking legitimate questions. Phone numbers they called from are below. 

XXXX I called this number back Also left this number for me to call 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 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX I purchased one tank of diesel from a XXXX XXXX station while traveling. It was {$100.00}. The next day when the payment posted, the balance on the Capital One card was $ XXXX ( I have a {$19000.00} limit ). XXXX XXXX XXXX station # XXXX ran my card over XXXX times. I called XXXX # XXXX and Capital One multiple times throughout XXXX. 

XXXX  Refunded {$100.00} on XX/XX/2022 ... and that is the extent of their action... 

Capital One was completely confused and we could not get in touch with anyone that ever knew what to do. Every answer we have received is, " Let me get in touch with ( insert random person or department ) and I will call you back today or tomorrow. '' We have never received a single call back from any Capital One employee. 

Every time we call it is the same experience of getting someone that has no clue what to do, or what happened to our account ... and being told this same statement that leaves us getting no where. 

By XX/XX/XXXX it appeared that most of the issues had been resolved... but XX/XX/XXXX the purchase adjustments by Capital One started again and after they were done crediting and debiting stuff back and forth ... they had put {$30000.00} of erroneous charges back on my card. 

A couple massive problems are leading me to stop using credit cards all together after this experience ... and the fact that these issues exist and are being brought to light should lead to the downfall of predatory companies like Capital One, and devastate peoples faith in the current electronic monetary system. 

# 1 You should not be able to have charges exceed your account limit... Period.

# 2 With a card being placed on hold, or locked down, or canceled you should not have transactions still going through ... Period. 

# 3 This wasn't talked about during this complaint but I'll throw it on this list. Predatory companies like XXXX XXXX that unknowingly sign people up for subscriptions only to have them canceled after the customer realizes it, should not get the NEW card number automatically and resume a canceled, fraudulent subscription. ( This XXXX happened while our card was locked down and over the limit as well. 

Moral of the story... You have no control of your money at all and neither do they... but that XXXX credit score you have worked hard for a long time to earn will tank overnight because their system is screwed up and ran by XXXX. Don't use Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: GLA Collection Company, Inc.
State: IN
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have two HARD INQUIRIES on my report that I am not aware of. I have NEVER attempted to apply for anything from XXXX XXXX XXXX In accordance to the Fair Credit I have the right to privacy and XXXX XXXX had violated my rights.

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 2021-10-05
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transworld is reporting fraudulent info on my credit I didnt open an account with them nor did I authorize anyone to do so I paid this account despite it being fraud, becauseI was informed that it would be removed from my credit I made the payment on an account that was not mine and yet the collection was not removed as promised please remove this fraud account from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: VA
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:
It is more than 2 months since I mailed out my letters for the credit bureaus to remove incorrect details on my credit report. I havent got any respond from them up to now. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/22 I bought a new truck in XXXX my score wasn't the greatest my bank advised me to get a XXXX so I didn't it's an XXXX XXXX by Chase had a $ XXXX limit I've been using it and paid it off each month last month was like {$1000.00} this month was {$1200.00} I got an email on Sunday from credit bureaus saying my score dropped XXXX points I paid the amount as usual before due date so today I called Chase explained to them I only have the card to increase my score y'all allowed the limit to run over but I paid it y'all still docked my score XXXX points they increased my limit to $ XXXX but I want those hit on my credit fixed I do not feel it is fair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

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 2022-12-23
Company: EQUIFAX, INC.
State: NC
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NC
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 XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX, Account # XXXX, # Account # XXXX have 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

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-08-26
Company: Westlake Services, LLC
State: FL
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:
XXXX/West Lake Financial is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

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