BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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

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 2024-02-04
Company: SG and Associates
State: GA
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:
1 ) This company XXXX XXXX Balance {$3800.00} Balance updated XX/XX/2024 has reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX, and XXXX ). This account that I have no knowledge of led to severe stagnancy in my business ventures. 

2 ) This company XXXX POTENTIALLY NEGATIVE Balance {$2500.00} Balance updated XX/XX/2024 has reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX, and XXXX ) . This account that I have no knowledge of led to severe stagnancy in my business ventures. 

This company XXXX POTENTIALLY NEGATIVE Balance {$3400.00} Balance updated XX/XX/2024 has reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX, and XXXX ) . This account that I have no knowledge of led to severe stagnancy in my business ventures.

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 2024-02-01
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My identity was stolen in XX/XX/XXXX and I obtained XXXX XXXX to monitor my accounts for fraudulent activity. I reported the fraud to XXXX, XXXX, and XXXX and had my credit frozen as soon as I discovered the fraudulent activity. I have had a credit freeze since that time and have not opened any new accounts. I have no loans, no mortgage, and no debts. The only credit cards I had opened prior to the fraud are paid off monthly. I have been recently receiving multiple calls per day, on my cell phone at XXXX, from a company called Credit Management. I do not answer the phone and they don't leave a voice mail when they call. The number XXXX was used on XX/XX/XXXX at XXXX XXXX  and again on XX/XX/XXXX at XXXX XXXX. I called the number from a different work phone number and the person answered Credit Management and I hung up. 

On XX/XX/XXXX I received a call from XXXX at XXXX XXXX and another on XX/XX/XXXX from XXXX at XXXX XXXX. I don't know if these calls are also from Credit Management as I didn't try to call them back. 

My cell phone number, XXXX was on the Do Not Call Registry before the identity theft started and I would like these calls to stop. I have had the same cell phone number for over 30 years so it can't be that someone else had this number before I did.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2024-01-28
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open an account with their subsidiary XXXX. After going through the entire process ( including downloading the app, creating a login, etc. ) I was denied. 

The bank refuses to furnish a reason for the denial, and refuses to tell me how I can rectify it.

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: Linebarger Goggan Blair & Sampson LLP
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime in XXXX of this year, I got a letter claiming I owe $ XXXX for " driving without a license '' in Texas XXXX I have never been to Texas nor driven outside of being taught how to drive when I was XXXX or XXXX. They've been bombarding my mother 's work with calls asking for me. The latest being XX/XX/XXXX. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Any over draft fees applied to my checking account in the month of XXXX. 

Its seems to me as though this bank places pending transactions at a vulnerable time to process causing my account to fall negative. In turn charging me a {$36.00} fee every time. The alerts that are sent to me are made at XXXX in the morning. And I feel this is highly unethical to me be charged this many times..

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 2024-01-30
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I signed up for mobile services with XXXX for internet and wireless services. XX/XX/XXXX the equipment was delivered. XX/XX/2023 I cancelled the services. I contacted the vendor and I was provided labels to return the merchandise. XX/XX/XXXX the equipment was returned through the postal services. The equipment was returned with labels provided by the company. XXXX proceed to withdrawal electrical funds without consent for XXXX  month. My bank tried to contact the vendor without resolution. My bank refunded me the cost. XXXX removed funds 3 times. XXXX sent me to collections. I sent a letter to Diversified Adjustment on XX/XX/2023 requesting proof that I owed the bill. As of today, I have not had any response. I'm trying to obtain a mortgage and I can't with this bill on my credit. I am demanding this be removed from my credit, since it is not valid. 
If needed I have proof of documentation. Also, I never opened the box or turned on the internet or mobile service. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Abra
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account went to XXXX balance and I cant transfer what I did have left in the account because they wont let me verify my identity since I live in the united states. They have said I am too late to get my funds and they have zerod the account. I feel scammed since I recieved no prior notification of the closure of XXXX accounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: Waypoint Resource Group, LLC
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:
I have not done any business with this company and dont know where this debt is from. I would like a copy of the contract that says I owe this company any debt.

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 2024-01-30
Company: Waypoint Resource Group, LLC
State: CA
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 never opened this account. I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 


No Response from company WAYPOINT {$130.00} XXXX Suggested Account # XXXX Status XXXX Original Creditor XXXX XXXX Creditor Type XXXX XXXX XXXX  High Balance {$130.00} Open DateXX/XX/2023Last Reported XX/XX/2023 Remarks Account information disputed by consumer, meets FCRA requirements Completed XX/XX/2023 Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

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 2024-01-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Good Morning I was Trying to Open An USAA account but can not because it say prior unacceptable account usage and if im not mistaking it years ago where I experienced identity theft I was young and a mother and I clicked on add. But i learned from it. I have been doing good but now its becoming a pest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went to XXXX XXXX Department XXXX and purchased XXXX was asked if I wanted to apply for credit through XXXXXXXX XXXX and id receive some $ off on my purchases... I paid and left. I get a bill for {$89.00} from Synchrony bank... I paid that much for the clothes and was surprised... Wasn't aware I had a Synchrony debt now. I appealed but never heard anything... They've called me XXXX  of times over the last XXXX XXXX ... Now they say interest has increased the debt to $ XXXX dollars ... They say they are willing to settle debt for {$330.00} I ask to speak with their supervisor... 
XXXX is not available... 
I want to report them for predatory practices...

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 2024-01-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX Ive ordered Macys gift cards XXXX XXXXXXXX {$190.00} XXXX XXXX, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys  delivery XXXX XXXX ( I dont remember exact date ) Ive received physical gift card. Ive contacted to Macys  and I let them know I havent received gift card, I requested cancel funds from this card. Ive contacted multiple times, on XX/XX/XXXX and I was assured funds from both cards will be transferred funds from gift cards to my Macys credit card, I was told it will take XXXX business XXXX. XXXX Ive contacted again, I was told wait a XXXX  more XXXX. 
On XXXX XXXX Ive contacted supervisor, XXXX XXXX, Ive explained my situation, I was told XX/XX/XXXX request did not process. He told me he put manual request and he sent me email. On XX/XX/XXXX Ive contacted supervisor XXXX XXXX, I informed him XXXX going to file complaint about Macys, he asked me wait until next weekend, and as accommodation issued {$30.00} Macys  XXXX XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX, she told me wait until XX/XX/XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX he told me my request declined. I did not receive physical gift card, I did not redeemed e-gift card. After XXXX XXXX struggle I lost my {$290.00} ( {$100.00} physical card, {$190.00} e-gift card ).

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 2024-01-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Synchrony Bank Lowes credit card is going to start charging {$1.00} for a paper statement if your balance is over {$2.00} each month. This should be illegal. A credit card company should not be allowed to force anyone into paperless statements. All the other companies who charge for paper statements do not charge extra for this, they give you a credit on your bill if you agree to paperless billing. This gives the customer a choice to go paperless or not. I should still have a right to get a paper statement and not be charged for it.

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 2023-11-21
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My complaint is against ford credit.

I feel ford credit doesn't really care about there customers. Nevertheless I feel that they use scare tactics, And looks to harass people who has nothing to do with loan. 

This year, my wife has been admitted into the hospital. Been in the hospital multiple times this year. With that being said, I had a loss income from her. Then medical bills for her. I was facing financial hardship. When I brought it up to the attention to ford credit in the beginning of the year, they told me they can not help me until I make the next payment. When I make the next payment, I'm told. I still couldn't get help they have to wait until I make the next payment. Every single month they told me. I will have to wait for the next payment before get any type of help. That they could not put me on no type of hardship program. So each one I made a payment I reached out to ford for help. Just to keep getting pushed to the side, and waiting another month, after month.

I thought what ford did to me before, last year was bad. When they gave me a due date and told me if I pay by this certain day. I could avoid the car being repo. At that time they gave me a date that I had until to pay. However they repo the car, even when I paid. Way before the repo date. Costing me more money to take my car out. Engaging in unfair acts or practices of repo. I incur significant costs related to repossession, and negative marks on my credit reports. 

When I had them before help me COVID-19 pandemic, i feel they added on other cost that lead me to face financial hardship. 

I am so upset with Ford. On XX/XX/20, in the after XXXX call my wife in the afternoon on her cell phone. Demanding loan payment and providing info on me owning on loan. However, my wife is not even on the loan. She is not a cosigner. Share my personal information on her cell phone about me. My wife has a serious XXXX XXXX My wife got so upset. Because she felt she was harassed. Then my wife got really XXXX. She couldn't understand why would they be calling her on her cell phone. When the loan has nothing to do with her. 

My wife is Innocent party that was harassed by ford about my debt. She should had been protected under the FDCPA. 

Even again I asked him to put me on a financial hardship program. I was told again. I have to wait until my next payment. On going for the whole entire year like this. 

Ford makes it hard for me to make payment. They will only take a payment from me if I pay at XXXX. They will not allow me to make payment over the phone or online. Due to the hours that I work at my job. It makes it very difficult to get it to XXXX. Because by time I get their customer services close. 

I am afraid of repo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30
Company: Experian Information Solutions Inc.
State: MO
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:
Moral bankrupt company who preys on the misfortune of others closed another with another ridiculous explanation that addressed ABSOLUTELY NOTHING SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM

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 2023-12-05
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:
XXXX XXXX, XXXX, Experian are in violation of consumer law codes ( 15 USC 1666B ) & ( 15 USC 1681a ) I did not authorize nor gave my consent for these late payments below to be reported to my credit report This information is incorrect and is against the consumer law. Nor was I notified regarding these late payments no notifications have been sent regarding these late payments I demand that these late payments be removed immediately. Also, I demand that XXXX XXXX, XXXX and Experian show proof that I gave my consent for these late payments below to be reported to my credit report. 

XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX Account # 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 2024-01-24
Company: SUNRISE CREDIT SERVICES, INC
State: FL
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:
I opened my XXXX app and saw my credit score go down XXXX points because some unknown company that I never contracted with reported a false late payment of which I have no knowledge of. I never contracted with Sunshine credit service nor do they have any paperwork to prove any signatures that I have a contract with them. But yet they illegally report a late payment to my credit report as of XXXX this year. First time ever seeing this appear and they somehow gained unauthorized access to my personal information. So this is fraud.

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 2024-01-23
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX XXXX XXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.

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 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 explanation