BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: General Motors Financial Company, 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: Information belongs to someone else

Complaint:
Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
GM FINANCIAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: LEXISNEXIS
State: TX
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:
All I know is this : XXXX XXXX, on the behalf of LexisNexis Risk Solutions is the biggest elephant in the room! Either most, some, and or all three major credit reporting agencies/matters are being advised, and determined by or with the help of these bad characters, and actors! In the past, and some yrs ago, it was LexisNexis Risk Solutions that done the following ; hinder, and prevented me from obtaining : an affordable, decent, livable, suitable, healthy, protective, comfortable, peaceful, and the most safest environment to live in! Which led to me, not being able to choose, and select that was in my best interest! All that played a part, in my overall health being : in the status, state, and unsatisfactory conditions! Because of their bad reporting, inaccurate submissions, advises, misconduct, failures, transparency, bias, overreach, carelessness, ignorance, and extremely bad practices in nature! Now, they're pretty much doing, the same thing in this matter! As a result of this, in most cases its leading to, unnecessary credit denials, and declination with future creditors! In my closing, its definitely having a lasting impact, on how I'm being treated, and ongoing troubles : with all three credit reporting agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX Account 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 credit bureaus stated for the second time my account was properly investigated and up to date. Ive disputed everything that was not mine yet its still on my credit report. I was told i had a XXXX account on my credit file by XXXX and when i went to the bank they told me there was no such account. Ive been looking for cars and less than 3 month ago my down payment was {$200.00} but today XX/XX/XXXX i was told my down payment is XXXX  XXXX. So when i called and talked to someone i was told again that was accurate but that's not possible because i have different credit scores, different amounts owed, incorrect account numbers, incorrect dates of open accounts, incorrect dates of closed accounts, inaccurate addresses, inaccurate names, inaccurate accounts, inaccurate active dates and not to mention it took more than 30 days to respond. This is grounds for removal, they have also violated my rights as a consumer. 


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 : 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 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One Charged me 2 fees that shouldnt be charged. 
1 - XX/XX/XXXX - which was on Saturday not a business day, followed by a holiday on XX/XX/XXXX - XXXXXXXX XXXX 2 - XX/XX/XXXX - which was on Saturday not a business day. 

I require the refund for both fees that were incorrectly charged. I have always paid all my bills on time and those charges were not correct at all. I do not accept the answer, first Capital One retained an amount of XXXX for almost ONE YEAR, I called them several times, spent hours on the phone, they sent the check just one month ago, after I exhausted calling them. The bank took one year to send my money and no penalties applied. Please explain that. 

Lastly, I called for the {$25.00} fee in XXXX and requested to be on automatic pay, the agent disconnected the call and never called back and I ended up being charged a late fee again!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Avant Holding Company, Inc.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
There was fraud on my account and I reported it when I found out. Even though there is supposed to be zero liability for fraud, they are attempting to hold me responsible for it. They told me to contact their fraud department to find out more, but when I call the number to the " fraud department '' I am told they are just some separate entity that is speaking on behalf of Avant and it is Avant who is denying it and they just do what Avant tells them to do. The representative would not tell me what company she was with and said " I do not know what to tell you about who we are '' and then stated I had to call Avant, to which I stated Avant told me to call the number for whatever entity she is with. She then stated she has no idea why Avant does that, but it is what like to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I filed a previous complaint in XX/XX/XXXX ( Complaint # XXXX ) for a payment in the amt of {$6100.00} that I made on XX/XX/XXXX during the time of their " upgrade '' that they alleged was missing. I began with filing a dispute with them in XXXX and sent them the Electronic Transmittal form in their secure message system XX/XX/XXXX & the same documentation again on XX/XX/XXXX per their request. They closed the dispute on XX/XX/XXXX stating they didn't receive the documentation & then reopened the dispute on XX/XX/XXXX. We resent the same documentation again & they wanted an additional 90 days. They sent a XXXX  dated XX/XX/XXXX still stating they didn't have the documentation. The 60 days response to the previous complaint was due XX/XX/XXXX. I receive a letter dated XX/XX/XXXX that they located the missing payment of XX/XX/XXXX in the amt of {$6100.00}. They also stated they previously credited the late fee & finance charges that were assessed in XX/XX/XXXX. However, they failed to credit the finance charges on the other 5 months up until XX/XX/XXXX. A total of {$780.00} in late & interest fees accrued however the only credit I received was {$260.00}. Total still due is {$520.00}. I spoke w/ XXXX XXXX ID XXXX ) XX/XX/XXXX who agreed the credit wasn't issue at the time the dispute resolved & provided me w/ confirmation # XXXX & stated my credit would be issues in 48-72 hrs. I called on XX/XX/XXXX to find out that on XX/XX/XXXX the credit was deleted. The total amt due on my XXXX statement is {$840.00} which is {$320.00} in new charges & XXXX in interest. I will be paying by due date of XX/XX/XXXX to avoid any further interest charges. During the 6 billing cycles following this dispute, I paid my entire balance on new charges as I have since I have been a customer, I never carry over a balance. The only charges I didn't pay was the disputed missing payment of {$6100.00} and the interest charges from XXXX XXXX XXXX and the late fee of {$30.00} in XXXX. Attached our the interest charges, credits & monthly payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: Fig Tech Inc.
State: OH
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:
My payment date for my loan was XX/XX/XXXX. I was unable to make a payment via XXXX and tried via debit card for a couple weeks as their website was not showing all images and buttons to continue to payment, preventing me from making the payment via debit card instead of XXXX. It wasnt until I received an email from Figloans on XX/XX/XXXX saying that I needed to make a payment that day to prevent my account being reported as 30-days late with the credit bureau via a link to the debit card screen was I able to finally make the payment via debit card instead of my bank account and I made the payment right away in full. Soon after I made the payment, the account was reported 30-days late to the credit bureaus. I then reached out to figloans gia email as they do not have a phone number to talk to anyone letting them know that an error was reported on my credit report and it needed to be fixed ASAP. The answer I received was that they only report accurate information to the credit bureaus and theres nothing I can do to change that. I then email back with my pay schedule showing that my due date of XX/XX/XXXX payment was late, but it was not late 30-days, so they were reporting inaccurate information to the credit bureaus. I also forwarded the email I received that advised me to make payment that day to prevent negative information from being reported to the credit bureau. They have gone silent since then. Im trying to buy a house and this has significantly impacted me and my familys lives as Im now at a stand still until this issue is rectified. They are inaccurately reporting information to the credit bureaus and Im unable to get a hold of anyone for recourse as they only communicate via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX I purchased a vehicle, XXXX XXXX XXXX used at XXXX XXXX XXXX of XXXX, XXXX XXXX Unfortunately the products and services I purchased were not installed on the of purchase and as of today. These fraudulent fees the salesperson added to my finance total contract. Despite paying for add-ons, and services such as Advertising price {$14000.00} a service contract with a company XXXX warranty XXXX {$2100.00} and insurance product, gap insurance, {$890.00} Anti-theft deterrent device called XXXX, which the company presented me proof that this device was never installed or used on this vehicle. {$790.00} Fraudulent claim to have a surface protection product XXXX was never placed on the vehicle. {$590.00} Fraudulent claim to have put XXXX in the tires tested negative for XXXX in tires {$170.00} The dealer never provided or installed any of the products only changed fees. 
By recently learned that the car salesperson who assisted me with the purchase of my vehicle engaged in fraudulent behavior by adding products, services, and device fees to my contract amount of {$21000.00}, to which the dealership never installed. This dealership has violated several laws, including section 15.1605, section 15.1635, etc I am deeply concerned that I have been taken advantage of and do not wish to continue with this contract under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently made efforts to pay off my credit card in good faith that American Express would process my payment respectfully. On XXXX XXXX in sent a little over $ XXXX to American Express using their app to pay off the balance. 
On XXXX XXXX, when my typical auto pay was scheduled, they charged me another $ XXXX. The representative didn't provide answers for how it occurred, but I heard her muttering something about the automatic schedule. My typical automatic payment was between {$100.00} and {$200.00}. I never changed my automatic payment amount, so there is not justifiable reason that they would have accidentally charged me that second $ XXXX. My bank charged me an overdraft fee of {$25.00}, and relocated money from my savings to send American Express. I was punished for the actions and errors of American Express. This practice is clearly intentional, as an incidental duplicate withdrawal would have been of the same value as the previous month. 

This reminded me, that previously, years ago, the same thing happened. I have been a member for 7 years. American Express is not being held accountable for it's own conduct, nor is it taking responsibility for their flawed system. If I removed $ XXXX from their accounts there would be an arrest warrant out with my name on it. This institution is taking advantage of its account holders. 

Though they will return my money to me in XXXX to XXXX business days, that comes too little too late. I have lost my faith in this institution and I will share my experience today with all the XXXX XXXX XXXX XXXX XXXX and all of our shared friends.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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:
These inquires are fraudulent 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 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 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 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Kingston Data & Credit International Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had cancelled before the contract date was up. I was told I owe no obligation. I'm not paying {$1000.00} for a mistake especially because of a Gym Owner messing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 USC 1681. XXXX XXXX : # XXXX, U.S Department of Education : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My issues revolves around proper payment processing with Citizens Bank out of XXXX In XX/XX/2022 I made 2 in full monthly payments, then another in early XXXX My goal was to stay one month ahead on my payments. Citizens took my second XXXX payment and applied it was " principle only '' payment. Yet, they did not apply 100 % of that payment to principle, thus taking out interest. I called in XXXX and questioned it and was told that due to their payment processing system, they can not accept full payments in advance. They offered to reply my second XXXX payment for XXXX and then took my XXXX payment as " principle only '' and took off Interest while applying. Then they applied my XXXX to XXXX, which should have been XXXX XXXX payment. And then on XXXX, i get an invoice due in XXXX XXXX?? I am literally fighting with them for prepaying a full payment amount. How does a Bank get away with taking interest out of a " principle only '' payment? If they they applied 100 % to principle, I get it, but when they take interest out, it is the definition of a monthly payment. And how can a Bank not accept full payments to pay the account ahead, especially in such uncertain economic times as today? Again, all i am trying to do is responsibly pay my account ahead. All full payments are accounted.

Company response to consumer: Closed with explanation