BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: General Motors Financial Company, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX vehicle was paid off, GMC Financial was contacted in XXXX because the lien release and title was not received, was told it was on the way, never received, I then called my county clerk to ask if they received a title release they confirmed they had not. I contacted GMC again in XXXX was told it would be resent again no docs were received. I then put the car in storage and did not get back tO this issue during the COVID pandemic, now tHe vehicle has been in an accident and insurance company has declared it a loss, on XX/XX/XXXX I reached out again to GMC they confirmed no monies were owed, I was to use the website get my title but was told my account could not be found I contacted GMC again, I was put on hold for over an hour, again told it would be processed and it would take XXXX days that was on XXXX contacted GMC again on XX/XX/XXXX on XXXX calls lasting over XXXX hours only to be disconnected, put on hold for an indefinite period I finally reached a customer service person Named XXXX, she says she has requested a copy of the XXXX XXXX, she connected me to her supervisor XXXX I left a message with no return call, I have not been given any cause for this issue and do not know what else to do to compel GMC to release my lien and provide title. I even offered to pay XXXX  charges to have the documents sent to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely appreciate the effort you've dedicated to ADDRESSING some of the fraudulent items in my file arising from an alleged identity theft. However, there are still ITEMS remaining that require attention. Once again, I find myself a victim of identity theft, prompting this request to ELIMINATE the ITEMS from my credit file linked to this alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items no later than 4 business days after XX/XX/2023. This matter has been previously addressed in my earlier communication and is reiterated here with a new FTC REPORT # XXXX. The information you provided on these items is UNKNOWN to me, having been REMOVED from other bureaus, and I harbor doubts about their accuracy : -- -- -- -- -- -- -- EXPERIAN -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX - XXXX XX/XX/2023 -- -- -- -- -- -- -- XXXX XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-01-05
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under Bay Area Receivables and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please remove this account from all XXXX credit bureaus until adequate validation has been received proven that the account belongs to me, and all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Atlanticus Services Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
So the incident occurred in XXXX of XXXX  when my identity was stolen and there was a {$700.00} charge or something at a XXXX in Arizona so basically the whole credit limit was used in XXXX transaction. I spoke to the card company aspire and they took it off of my record and found that it was fraudulent. Well since then they have brought it back up XXXX separate times causing me to lose and I placed to live my XXXX XXXX everything. They lie about when the purchase was to happen I want a receipt of the purchase and I want video because this is absurd and an harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
I feel so small fighting this big giant First Bankard. They closed my account without warning in the middle of my mortgage refinance, despite me paying on time. I know they have the right to do this but I dont think its fair and just hence the reason am complaining. 
I spoke to their nice rep but she cant do any help despite me offering to pay off 80 % of the amount owned. Pls I just want them to re open my credit And so I can proceed with my Refi. Thank you I hope we all have a very happy holidays.

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 2023-02-09
Company: EQUIFAX, INC.
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:
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. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : N/A Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: PNC Bank N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open an account with PNC bank to take advantage of their compensation if you get direct deposit. PNC bank opened multiple accounts in my name then sent me notices saying they were all closed. In addition, they sent me a card but I have been unable to access the account online and customer service is of no assistance. I am unsure how or why they would have done this in the first place. My concern is that they are actually using these fake accounts in my name to borrow money under my social security number. Im asking for an investigation into whether PNC is opening extra fake accounts in customers names then sending them notices that they are closed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for a credit card from XXXX XXXX and received a letter informing me they needed " identity verification '' due to Equifax report. I called XXXX XXXX customer service and after listening to many recorded messages and being placed on hold I was finally connected to a representative with a very strong accent who informed me XXXX XXXX needed a picture identification, but I could not email it - I had to fax or mail a hard copy. 

I then emailed Equifax and XXXX XXXX leadership requesting an explanation as to how someone XXXX XXXX XXXX with a FICO of XXXX, former federal employee, who worked and paid taxes for nearly 60 years needed an identity verification. I attached my passport photo and information. 

Equifax customer service ( no name ) sent an email requesting a copy of Social Security card or 1099 and a driver 's license or utility bill with my name and address included. I sent a copy of my driver 's license and social security card which they rejected because it was not pdf format. I sent a third email with WP4 and gas bill. Equifax customer service then sent me an email informing me my credit score was low because I never had mortgages or revolving loans. 

I replied to Equifax and XXXX XXXX leadership with a print screen of my XXXX credit card FICO of XXXX showing 16 years as a card holder and a print screen of my XXXX credit card FICO of XXXX commenting that Equifax was incompetent and irresponsible and should not be providing fraudulent credit history data to financial institutions. 

I have had mortgages, auto and furniture loans and just finished paying a loan in XXXX of 2023. At 73 years of age, I planned on not having mortgage, auto or other debts at this point in my life as my retirement income is significantly less than the more than {$100000.00} annual income I made while employed. 

Equifax prevented me from receiving a XXXX XXXX credit card due to inaccurate credit history reporting despite having a FICO of over XXXX for many years. 

Equifax, XXXX XXXX and XXXX all use XXXX XXXX customer service representatives who do not have the cognitive ability to comprehensively investigate. And our highly confidential credit /financial information should not be shared haphazardly with these individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: WI
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. The list of the account below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. Account Name XXXX XXXXe # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name Dep Of EducationXXXX XXXX XXXX Account Name XXXX  # XXXX Account Name XXXX # XXXX Account Name US DEPT ED # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NC
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:
I was informed by agents of three separate accounts that a third-party company that I had no idea or contract with had attempted to make payments on my behalf. All those payments were returned by the bank because they were not authorized by me. These banks then close/shut my account with no explanation whatsoever. 


I am a senior with fixed income and used these credit cards till they were closed. The closure of the accounts has really stressed me and put a strain on my finances. I did not authorize anyone nor any company to make payments on my behalf. The creditor refuses to re-open the account leaving me with very few options to live by.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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, the below companies have violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
[ It appears that my previous complaint to Transunion failed. Claim # XXXX. If it did process, please do not mark this as a duplicate, as the complaint does not appear in my portal. Thanks. ] I would like to dispute some information that I do not recognize or find to be accurate : XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING TWICE! **WHY?? ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ REPORTING TWICE! **WHY?? ]. I have reached out to Transunion via certified mail on multiple occasions regarding this matter, which they have not responded to me, although my letters were left with an Agent. I consider this to be extremely unfair! That is the first reason I am requesting deletion of the disputed data. The second reason I am requesting deletion of the disputed data is because there are multiple discrepancies between the information that Transunion, XXXX, and XXXX are reporting. I compare the information and find it to be severely inconsistent and contradictory. Why does it not match? From my understanding, it is your duty to ensure that my report is 100 % accurate and truthful. This means you have been reporting the incorrect information this entire time, which as been hurting me severely! My third reason requesting deletion of the disputed data is due to the fact that I did not provide any these companies with my social security number, nor did I consent to have my private, nonpublic information shared. How did they obtain my private information?? Who gave it to them?? It is safe to say that my right to privacy is being violated. I am truly concerned. Please investigate this matter as well. Lastly, please have all of the companies above, whom I believe to be furnishing inaccurate data, to provide me with any documents they have on file baring my unique signature, -such as any original signed contracts, or any disclosure forms which are required by law to be clear and conspicuous, acknowledging that I opted into credit reporting. If they fail to provide such physical and legal proof of these accounts, please have them cease furnishing, and delete the information from my report immediately. Upon completion of your investigation, please mail me the results within 30 days. I truly appreciate your time and attention to this matter.

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 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I received notification from many credit sites about BOFA cancelling my 2 accounts with them. I was confused, lost and very upset about BOFA closing without any notice. I contacted BOFA and they said a letter is on the way and they couldn't help me. That very same day I received CREDIT CARD OFFERS from BOFA, checks to consolidate for a lower APR and promo offer with checks. CONFUSED, MISLEAD, lied to, distraught, frustrated and unappreciated as a customer. I've had the cards for around 10 or more years, never late. Month or 2 prior, BOFA increased my line of credit. I was in the process of purchasing a home, but NOW due to them cancelling both unable to because I have a balance with them and my net to debt income ratio changed A LOT due to BOFA.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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