BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
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: Old information reappears or never goes away

Complaint:
Sent letters XXXX XXXX XXXX XXXX  requesting correct name and current address be reported. I have requested old addresses and incorrect names be removed. As of XX/XX/XXXX they have still not removed them. Also there are some accounts that are not being reported accurately. There are several discrepancies in dates and amount and open dates. I had student loans that were taken care of when I was deemed permenantly XXXX and they were cleared of any amounts owed. They are still showing up as negatives and hurting my credit

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 2020-07-22
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Because of COVID, I spoke to Lincoln and they asked me to keep the vehicle due to COVID. 
I listened to what they said and kept the vehicle for an additional 2 months. 

They charged me for keeping the vehicle and didn't tell me that I owed them additional funds. Nothing was ever mailed or emailed to me to notify me of the extra charges. 

As of this morning, I paid the additional charges because I understand that I had the vehicle and I am fine paying these extra charges - however, due to these extra charges being owed without my knowledge, this hit my credit report with 30 day lates. 
Confirmation of payment is XXXX I am outraged. We are in a Pandemic and I listed to what Lincoln Financial told me to do and now my credit has taken a huge hit because of these lates that I wasn't aware of until today and it was a result of what Lincoln told me to do!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Credit report was obtained without permissible purpose that is required by FCRA section 604. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Old information reappears or never goes away

Complaint:
Sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting correct name and current address be reported. I have requested old addresses and incorrect names be removed. As of XX/XX/XXXX they have still not removed them. Also there are some accounts that are not being reported accurately. There are several discrepancies in dates and amount and open dates. I had student loans that were taken care of when I was deemed permenantly XXXX and they were cleared of any amounts owed. They are still showing up as negatives and hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: General Motors Financial Company, 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:
Hello around the end of XX/XX/2023 as I was going through my credit report I noticed some violations. 15 U.S. code 1681s-2. There was no written permission from I XXXX XXXX to have anyone published at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: AMA Advisors, LLC.
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is reporting old information dated XX/XX/2020 and XX/XX/2020 on my accts ending in XXXX XXXX  XXXX XXXX  and Master Card XXXX also Credit XXXX is posting old information 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 2020-07-31
Company: CITIBANK, N.A.
State: FL
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 received an email notifying me that Cit reduced my credit limit down to the balance on my card. This gives the appearance that I have maxed out my Citi credit card. There is no explanation for this. I got this card last year after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {$9200.00}. I have not charged anything additional to this card. I try to keep my credit utilization under 30 %. I have never missed a payment and always pay more then the minimum balance. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis due to COVID and I have done everything right. Thankfully, I still have my job.The same job I have had for almost 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2021, Transunion credit bureau decreased XXXX  points on my credit score although I notified them of incorrect errors on my credit report and my current debt decreased.

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 2022-11-20
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:
I sent XXXX documents proving that the bankruptcy was reported by XXXX XXXX that there is no public record shouldn't appears on my credit report it was reported as someone gain access to my information and used it, so they could not verified it with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to change my name in the Equifax system for the last 3 months to no avail. In 2016 I legally changed my name. The other credit bureaus either have both names on file or my current name. I had no difficulty making the updates in their systems. However, the Equifax process is terrible. When I initially called them about changing my name, they told me I had to fax the documentation to them. When I informed them that I didnt have a landline telephone to enable me to fax, they said my only recourse was to send the documents through regular mail but it would take longer. They said they couldnt facilitate receiving scanned documents the way most technology businesses today can. So I mailed the documents. Later, I stumbled upon their my Equifax site. There I found I could file a dispute to change my name online. I uploaded my new drivers license, my new social security card, and the court order approving my name change as requested. A month later I received an email notice that my dispute was closed. I never received information about why my name hadnt been changed, but the system didnt reflect my new name. So I filed another dispute with the documentation they requested and I called them. The gentleman I spoke to said he could see my dispute and that I included the appropriate documentation. Today I received another email informing me that my dispute was resolved but it was addressed to my old name. The email gave me the link to the my Equifax website to check the dispute results. After I login, the site informed me that I had zero disputes. It also indicated I had alerts. The alerts indicated I had dispute results. When I clicked on that link, it logged me out of their system. They keep denying my request without telling me how to fix it. Im afraid that I wont get this resolved before the rates go up substantially. Im struggling to understand how a technology dependent company can have such bad technology. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Credit report was obtained without permissible purpose that is required by FCRA section 604. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus by Goldman Sachs denied me access to the availability of deposited funds when sent to them from the Federal Government. On XX/XX/2020 The Federal Government deposited a payroll check to my Marcus by Goldman Sachs account. Marcus by Goldman Sachs employees then tried to transfer it out without me knowing this, and wait for me to receive a 2nd payroll check while denying me the 1st check that was sent/deposited. I want to report this now. My job provided proof it was sent at the same time ( simultaneously ) I received another deposit ( 3rd ) from another external source for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2021-06-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with Banana Republic in XXXX. At the time I lost employment and was unable to pay the debt and attempted to resolve with creditor. When i had enough money to pay the debt in full I did so. I was told by a representative that if a payment was made the negative would be removed from my credit report. The item remains on my credit report and the company as updated the item with false information such as : a false address and date of charge off.

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 2020-07-08
Company: Experian Information Solutions 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:
I checked my credit report last XXXX XXXX since I received a letter from one of my creditors that they are lowering my credit limit due to a negative report of my credit. I found out that a credit card issued by XXXX XXXX XXXX was opened last XX/XX/XXXX without my knowledge and authorization with a credit limit of {$5000.00} and unpaid balance of {$4900.00} and still ongoing as of todate..Per credit report account was closed by XXXX on XX/XX/XXXX.I disputed the account last XXXX XXXX. Per XXXX report to Experian the account was accurate.However I never applied nor authorized anybody to open an account with XXXX. I do not have or have had any account with XXXX.I went to XXXX Police Department and file a complaint of Identity theft with Police Report file no.XXXX.I have also filed to Federal Trade Commission Identity Theft Report with FTC Report No . 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 2018-09-27
Company: Bread Financial Holdings, 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: Reporting company used your report improperly

Complaint:
Credit report was obtained without permissible purpose that is required by FCRA section 604. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have tried to use my card several times in XXXX XXXX ny, while staying with my daughter during the pandembic, ilive in XXXX, each time I used the card I was turned downed. I called the bank they tried to help but did very little for me I called the # on the back of the card they weren't any better. often they refused to help me.the security dept refused to help me as well .I pay my bill on time I also pay more than required.i need helpthe security dept never ask me important questions, they just say they cant help me well then who can help me also the security dept gave me another # to call they toorefused to help me. this has been going on for well over 2 months.i don't have the dates because many times my daughter ended up using her card, i never wrote the datesthat iused the card down on paper. I was so upset that I just thought it was a minor mistake on my part, but thisproblem started after XX/XX/XXXX and no has helped me I feel like they think iam not the card holder please help iam so embarrassed in front of all my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit i notice that someone is Using my personal Information which make me very upset i did not give anyone Consent to open any Accounts using my personal Information this report is to help me I'm taking the necessaries step so this situation will be Resolved i no longer want to be a victim of Identity Theft

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 2020-07-23
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My cashapp account was locked due to me changing my device. I sent an email from the app to have it unlocked. The following Monday, I got a reply from support to verify some information via several questions. I did that but have not heard back from them and my account is still locked! I have no access to my funds. I have sent 10 follow up emails with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one is driving me crazy its been a while since I was already current but than again fall behind on my payments I have 3 cards with capital one and capital one has failed to contact me thru the phone to enroll me in a program that allows me not to have any more late fees the late fees are killing me as very month and due dates come by. And the interest fees too high I understand that the fees cant be waved and that u need to pay the bLance in full si in that way u wont have any interest fees.

Ive tried hard to contact them and ask them for assistance but I am sure that they dont care because as more the debt is the more fees I have to pay such As late fees so for every account theres been 5 late payments and the late fees have gotten me and driving me crazy why couldnt they stop the late fees when they knew I was fallen behind. Rather than working things out and put a stop in the late fees by enrolling in to the program my balance due for each account should have been lower at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXXXXXX  and 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 2018-09-28
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midwest Recovery inserted a fraudulent account into my credit file. Not only is this fraud Midwest Recovery has failed to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform this company that this account do not belong to me and is a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: BCA Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently learned that my personal information was used to open an account at your company BCA Financial. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.I have never heard from BCA Financial concerning a debt that they hold under my name. I have never done business with this company or had any obligation to pay them any funds. This account is a direct result of identity theft.

Company response to consumer: Closed with explanation