BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I opened a loan agreement with Credit Acceptance on XX/XX/XXXX. After the first few months I was not able to make payments on the vehicle. I reached out to the co-signer and asked him if he wanted to take over the vehicle. He stated to me that he was not able to make the payments on the vehicle and didnt want to take it over. I struggled with the payments and the upkeep of the vehicle due to Covid. On XX/XX/XXXX the vehicle was involved in a accident. The vehicle was taken to XXXX XXXX in XXXX Michigan on XX/XX/XXXX. I took the vehicle there because of a recommendation. The insurance policy on the vehicle had lapsed and so there was no coverage at the time of the accident. I did a voluntary repossession of the vehicle with Credit Acceptance on or sometime after XX/XX/XXXX. I called Credit Acceptance in XXXX to see if they had retrieved the vehicle and I was told that it was still at XXXX XXXX in XXXX Michigan. At that time I was told that the vehicle would be picked up by the Redemption Department within 7 days. I received a letter from Credit Acceptance dated XX/XX/XXXX stating that the vehicle had been repossessed. The following week I received another letter from Credit Acceptance dated XX/XX/XXXX stating that the vehicle would be sold at private sale sometime after XX/XX/XXXX. I recently started receiving calls from Credit Acceptance stating that there was a balance on the vehicle of {$8500.00}. I informed the representative of the letters I received and she said that the co-signer had possession of the vehicle. I called back after speaking with the co-signer and getting confirmation that he didnt have possession of the vehicle and didnt make any payments on the vehicle. I called Credit Acceptance back today and I was told by another representative that the vehicle was still at XXXX XXXX and that Credit Acceptance would retrieve the vehicle within 7-10 days and be back in contact with me. Today XX/XX/XXXX I tried calling XXXX XXXX from my phone and was told that the number was no longer in service. However, I called from a different phone and the call was answered promptly. After holding on the line I was told by someone name XXXX that the vehicle was still at XXXX XXXX. The vehicle has been in repossession for 7 months now and Credit Acceptance has not been in contact with me XX/XX/XXXX which was a written notice to sell property. However, now they are calling about a balance stating that the co-signer has the vehicle in his possession whoever XXXX XXXX confirmed that the vehicle is on there property.

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 2018-08-23
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Goldman Sachs failed to conduct fair and accurate oversight when they trained XXXX XXXX XXXX and also helped him to get licensing as a banker. 

XXXX XXXX speaks about Goldman Sachs as his source of training. He claims the company is pure evil. He cites his time working under XXXX and he openly discusses XXXX 's dealing with his clients. 

XXXX XXXX is a known abuser of women. 

She should have disclosed to me that XXXX XXXX XXXX physically beat his wife and his ex-wife XXXX XXXX and children. 

I have the documents to prove this and they are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XXXX 2022, I was XXXX  by also-XXXX  as a XXXX XXXX. I was told, via email, I would need to make 5 purchase orders of computers, etc on my credit card before being issued a company credit card for future purchases. XXXX agreement upon being hired, also-international agreed to pay off my credit card debt of {$250.00}. However, my credit card limit was not sufficient for the amount of purchases the company wished to make. I notified the company of this barrier, and indicated that I needed a company credit card. I was informed that my contact was consulting with their boss, however, a return payment was issued. This payment came through during the XXXX XXXX. I noticed this via the Capital One app, XXXX XXXX, and made a complaint. Upon speaking with a company representative, I was informed that my account had been closed due to fraudulent activity, which I was actively reporting. The company closed my account immediately, without compromising regarding its status or confirming my complaint. This was unexpected to me and unfair. I have a 21 message email chain from also-international that I cant upload, yet can forward via email upon request. Here is information regarding also-international. 
Federal Registration : Legal Name : ALSO XXXX XXXX. 
Federal Tax ID : XXXX Our registration ID in XXXX XXXX  : Entity Name : ALSO XXXX XXXX  XXXX address : XXXX XXXX XXXX, XXXXXXXX XXXX, NY XXXX, XXXX Department XXXX XXXX ID : XXXX Our headquarters are located in XXXX : Legal Name : ALSO XXXX XXXX Headquarters address : XXXX XXXX XXXX XXXXXXXX XXXX ( Unique identifier ) : XXXX Commercial register number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I applied for the card and was accepted. I had to use it for dental appointments. I was NEVER late and always paid more than the amount. Recently with no warning they increased the amount and now the interest is almost as much as the payment!! I asked why they raised it. Their response was because I had too many credit cards. First of all that is none of their business. I pay all my bills on time and usually more than what the payment is. This is just a way to get more money that I do not have. I have already decided to cut their card up. I find this type of business to be very unreasonable. How am I to pay them off if I can't afford the payment. No wonder people are filing bankruptcy. Citi would rather lose customers than gain them!!

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 2022-06-01
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX 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 an 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 2022-06-01
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: Personal information incorrect

Complaint:
Dark web inquiries on SSN with old address and very old phone number.

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 2022-09-06
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: FIRST CITIZENS BANCSHARES, 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: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX on XX/XX/XXXX to ask why my credit score had changed. The operator couldn't explain why tried to put me through to another department, that didn't happen. On XX/XX/XXXX I received in the mail from XXXX a credit report saying that I requested it but I did not. Today XX/XX/XXXX I have been on the phone numerous times trying to get someone to explain why a company did a search on my account. It states it was done via XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX which is a transunion phone number. Many people are complaining online since at least 2013 about this company doing credit checks and charging them without their permission or ever having done any business with them. Yet they are still operating under the name of XXXX. I am still on the phone with XXXX as I am writing this complaint waiting for someone to answer my question that no one seems to want or can't answer. Why are they still doing business with these people? They're a credit agency that should be protecting us! I also have XXXX of XXXX that requested a check, why, I've never applied or done any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased what I thought was a prepaid debit card from NetSpend, but they are something totally different I suppose. I tried calling to activate the card, but I fail the automated " security test '' because the social security number " does not match [ their ] records. " I never gave them a SSN. So I talk with a rep and no matter how hard I plea with them not to send me back to the automated system, they do anyways, and after failing the security test a second time, I get put on hold for 10-15 mins until it just hangs up and I start the process all over. 'NetSpend was sued by the FTC in 2017 for doing this exact thing. How did these cards wind-up on the shelves of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
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:
Equifax, this complaint is my final communication regarding your claim that the account below is being reported accurately. Complaint # XXXX, which I will attach to this complaint, states that the company listed on my credit report is not the correct agency. The original creditor has not validated this debt, and the agency listed on my credit report can not validate the debt because they are not the point of contact. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for XXXX  XXXX. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. Equifax is the only credit bureau reporting this inaccurate account. I also sent a debt validation letter to the collection agency over 30 days ago, and they have failed to respond so how are you reporting this account as accurate? I will attach the debt validation letter which is dated and time stamped. The following account is to be removed from my credit report within 14 days due to false and misleading information : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, Recently I applied for the XXXX XXXX store credit card offered by Synchrony Bank. They denied my application because they can't verify my identity even though I have provided my government-issued DL they are still not taking that as evidence. This is ridiculous that they will not accept the government-issued, Do I have to provide a DNA test to confirm my Identity? I already have multiple accounts with synchrony so it should be an easy process for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The account is not being reported correctly on my credit report. The account type, account status, date opened, high credit, credit limit, payment status, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. A charged off account can not be reported as late. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX? I have written letters to the XXXX XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give you XXXX, Transunion, or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you i

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information are erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$530000.00}.

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 2022-12-24
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : Loan # XXXX FREEDOM MORTGAGE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ PLEASE NOTE : MY EMAIL AT BOTTOM OF THIS FORM IS INCORRECT AND WILL NOT ALLOW EDITING. MY EMAIL IS : XXXX NOT " XXXX ''. ] My mortgage has been deferred for 12 months, and then extended through XXXX XX/XX/2022. They tell me in their letters, they need the info packet completed and returned to them. 

I have completed their packet and returned to them 4 times. They reason the packet was incomplete, eventhough I completed every thing and each time faxed and then mailed. 

Because of this vicious cycle with the info packets, I have missed crucial deadlines that would have allowed my mortgage arrears to be placed at the end of loan and I would have kept my extremely good interest rate. 

In a letter to them, I informed them that my phone and computer was hacked. I didn't have a good phone number to give them and I could not access to my account online. 

My loan is in default, the arrears are increasing, interest is being charged and all credit reporting agencies are being notified. Creditors have sent letters that theiy will close my account due to real estate issues, late payments. 

In the beginning of XXXX, I paid the annual real estate taxes, ( XXXX ) I also sent Freedom Mortgage XXXX checks totalling XXXX. They returned my XXXX checks.

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 2022-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1000.00} on XX/XX/2022 and my account was charged off the next day also I went inside the branch and tried to reverse the charge off on my account and they want to place a 20 day hold on my account and additional days to send me a check in the mail for the remaining balance. Which is not fair and insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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