BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: BMW Financial Services NA, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I rights was taking away from me from XXXX XXXX XXXX XXXX I try speaking with them about this predatory lending they called me stupid ask you do I know how to read and told me there isnt anything that can be done with the contract also not disclosing terms in the contract and us and explaining to me what they were and rolling in also not let me know that there was a balloon payment of {$20000.00} after I paid {$95000.00} for the vehicle I would not have taking a deal like this no one will have I had a brand new vehicle which I was trading at XXXX  XXXX XXXX XXXX with XXXX miles on itThey push this deal through for this car took away my rights to make an accurate decision need help following up on this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello, On Friday morning XX/XX/XXXX, I was informed by my credit card company American Express that my credit limit was decreased over {$6000.00}, from {$10000.00} originally to {$3600.00}. 
In my conversation with AMEX customer service, I was told that this was due to a recent change on my credit score and report. I was told that the only way to increase my credit limit would be to pay the credit card company {$810.00}, with a possible lift to the credit limit happening within 30 calendar days ( they would not promise an immediate lift to the credit limit ). I had already met my minimum payment balance by the due date ( minimum payment due was currently XXXX - in other words, I had made all payments that I owed, in the time frame I owed them ). 
To make this a very tenuous and scary circumstance, I had made a reservation with American Express Travel ( another travel product with american express that I frequent quite often ) for a rental car, and I was supposed to pay this reservation on XXXX XXXX for the amount of most likely {$1500.00} for a rental car. The reservation is in a foreign country. American Express was well aware of my reservation and my long standing history with them ( I have been a customer for 15 years with no record of missed payments and not much history of revolving usage ). I would not have been able to pay this rental car with my credit card and continue on my vacation, and this felt like extortion. 
American Express refused to acknowledge the fact that I have been a cardholder with them for over 15 years. They refused to acknowledge my circumstance of why my credit score had decreased slightly ( I recently bought a new car, took out an auto loan, for my husband, who is an XXXX  and is taking some time to build his own credit score and credit file ). I know how to responsibly manage my finances, and so I believe this was a huge abuse of my credit report and possibly even extortion ( asking me to pay them {$800.00} when technically I did not owe them anything at this time, my minimum payment had been met ). 
I feel like I have no recourse with AMEX as a company and I want to report this bad behavior to the government. This abuse of my report is happening during a global pandemic. I understand that credit companies may be wary of consumers taking on bigger debts these days due to the economy, but this is not the way to treat a customer, and I have had other smaller circumstances with other credit card companies that make me suspect that these companies want to abuse and extort consumers due to the global economic situation. This was a decision made without my knowledge or any warning, with no reasoning, and will greatly affect my life and my ability to make sound financial decisions for my family. 
Thanks for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has an address reporting on my report and to be exact the address does not even exist. I called them on XX/XX/XXXX and they claimed to have removed it on my report and it still reports. I never lived at XXXX XXXX  XXXX XXXX, ga XXXX and the addresXXXX XXXX XXXX XXXX  ga XXXX does not exist

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I would be charged extra overdraft fees And hold a payment until my account was low then process it which would cause overdraft fees, and extra overdraft fees

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 2023-03-08
Company: EQUIFAX, 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 XXXX Account number XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An existing CFPB complaint ( XXXX ) revealed the debt collector had transferred the account back to the original creditor. However, this company stated the account was transferred on XX/XX/XXXX back to Citi Recovery on behalf of Department Stores National Bank. 

If the account transfer is true, I have not received any communication from Citi recovery since this transfer occurred. The account is now approaching 60 days without any communication to the consumer. I have included the debt collection agency 's response ( the text of complaint XXXX below for reference. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We are in receipt of the complaint of Mr. XXXX, forwarded to our office through the portal on XX/XX/XXXX. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, Citibank , N.A . In reviewing our file, we find that on XX/XX/XXXX we received Mr. XXXX letter of XX/XX/XXXX, a copy of which he included with his complaint. As Mr. XXXX correspondence advised us of his dispute of the balance, we requested documentation from our client to validate the debt. On XX/XX/XXXX we received the documentation and forwarded a copy to Mr. XXXX for his review. This account was then recalled from our office by Citibank , N.A . on XX/XX/XXXX, and is no longer active on our system. For assistance with this account, Mr. XXXX can reach out to Citibank , N.A . at his convenience at XXXX, and they will be happy to assist him

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 2023-02-28
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account with Marcus in XX/XX/ and transferred XXXX USD to this account. My account was locked twice which I then got unlocked somehow. Marcus abruptly closed my account in XX/XX/XXXX  without giving any reason and has not returned my funds yet. I have spoken to their customer care on multiple occasions but they just keep me on hold for hours and in the end hang up the call saying they will reopen the account. It has been 2 months already and my issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: National Credit Adjusters, LLC
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:
National Credit Adjusters Account : XXXX Amount : {$400.00} In accordance with the Fair Credit Reporting Act XXXX  Acct # 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 604A 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 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
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:
I recently disputed XXXX XXXX XXXX and while disputing it shows that one XXXX XXXX XXXX contract is pending while the other is updated and also it shows that there's no public record found and it stated that when disputing there going to go the the vendor who received the information or get the information from a public record there's no public record here and it still has not got removed or updated to positive just like the other credit bureaus XXXX  or XXXX and there's no data found on none of my scheduled payments disputing this will not fix the errror thats on my credit rreport because there going to get the information from XXXX XXXX XXXX instead of properly investigating the account for themselves

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 ( I had no late payments ) XXXX XXXX ( I had no late payments ) XXXX XXXX ( I had no late payments ) XXXX THESE ACCOUNTS IS NOT MINE 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

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 2023-01-07
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy. XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I XXXX XXXX XXXX have the right to make sure my private information isnt shared which rd is found in 15 USC 6801 which states its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies : is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The Financial institutions and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Experian, ( Furnisher of information to credit agencies ) wether it be verbal, non verbal, written implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that : A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A person shall not furnish any information relating to a consumer to any consumer regarding agency if the person knows or has reasonable va de to believe that the information is inaccurate 15 USC $ 1681s-2 A.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed child support from XXXX, XXXX and Experian about two times. The account keeps coming back verified and updated. I consulted with a FCRA attorney and was given some advice and info on consumer laws. I contacted the courts and was told they don't verify accounts to bureaus? How did this account come back verified multiple times? This account is not 100 % accurate and should be deleted. according to 15 USC reporting info on overdue child support. These accounts statue of limitations have passed 20 years ago. For one All of my kids are in their XXXX 's I'm almost 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 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the FCRA, it is XXXX job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with XXXX is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true. 

I had asked XXXX XXXX months ago for the following they could NOT provide : How did you investigate this account? 
Who did you speak with? 
What date and time was this investigation XXXX could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: PA
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 l XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2018-08-30
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to letters of disbute to XXXX, XXXX XXXX and XXXX in regard to validation of a debt that was originally XXXX XXXX XXXX XXXX and assigned to AFNI, Inc. I send the letter on XX/XX/2018, I asked for that they proved the original contract that was signed in regard to this cell phone account to validate the debt. I have not received that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/2019, Citibank, N, A., via XXXX XXXX, induced me to apply and get their credit card with a special offer of {$200.00} reward bonus if I spend {$1000.00} in the first 90-day period. After I completed my part of the offer, they arbitrarily swish spending amount to {$1500.00} without informing me. I believe this is consumer fraud of bet and switch by the Citibank. This was all done on the line, they have all the documentation and I have none.

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 2022-04-11
Company: TRUIST FINANCIAL CORPORATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been victimized by two fraudulent mobile deposits made to my Truist Bank Account. I have sent requests to Truist Bank for help and have received no response. They are showing a negative balance on my account of - {$8400.00} because of these two bogus checks deposited to my account followed by a Return Deposit Request. The Return Deposit Requests were placed on Administrative Hold, yet a negative balance appears on my account. I have tried to contact the bank 's XXXX XXXX and placed on hold 3 times for a minimum of three hours each time. I sent an Overnight Express Mail letter to the bank on XX/XX/XXXX which was received by the bank on XX/XX/XXXX. I have yet to receive a response or acknowledgement. In the letter, I gave the bank the information of the perpetrator of this fraudulent activity.. I am XXXX XXXX XXXX, and I need assistance in correcting this fraudulent activity. I opened the account at the request of the perpetrator and deposited XXXX XXXX deposits, XXXX for {$100.00} and another for {$1000.00}. The Truist bank account is in my name, XXXX XXXX XXXX, the last four digits of the account number are XXXX. I can provide you with complete information. The bank is charging me overdraft fees for these XXXX fraudulent deposits and subsequent Return Requests. I have photos of the XXXX fraudulent checks that I can send to you. One was from XXXX XXXX XXXX XXXX made out to me in the amount of {$4500.00}, and the other was from XXXX XXXX XXXX XXXX XXXX in the amount of {$4900.00}. Both of these check deposits were identified by the bank as Fictitious Items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: MN
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:
I submitted payment for the alleged 30 day late payment on my record. The creditor indicated their is no proof for this, thus they can not make an adjustment.

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