BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has repeatedly allowed the following creditors to report inaccurate and derogatory information onto my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has repeatedly reported inaccurate information, and XXXX continues to allow them to do this. As such I have been unable to obtain the things that are supposed to be allowed to be given to every XXXX, which is excellent credit, financing opportunities, home ownership, and owning a vehicle. I have to live barely making it because I am unable to obtain credit, because XXXX allows these creditors to report inaccurate and false information across my credit file. I have submitted numerous disputes with XXXX for every month since XXXX of XXXX  in which I have documentation for. They never complete a thorough investigation and believes these creditors over me the consumer, and continues to report this inaccurate information month after month.

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 2023-09-18
Company: Westlake Services, LLC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
AMERICAN CAR CENTER DBA RAC DEALERSHIP/AMERICAN FINANCIAL was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

OnXX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. American Financial, did not reach out until XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with AMERICAN CAR CENTER XXXX XXXX XXXXAMERICAN FINANCIAL on XXXX On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

On XX/XX/XXXX I successfully had AMERICAN CAR CENTER XXXX XXXX XXXX/AMERICAN FINANCIAL account removed from my credit report. 

On XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY WESTLAKE PORTFOLIO MANAGEMENT FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX. 

I HAVE NOT SIGNED A CONTRACT WITH WESTLAKE PORTFOLIO MANAGEMENT. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XXXX 

Westlake portfolio management, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: NC
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 recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.

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 2023-10-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My loan was originated with XXXX XXXX XXXX Mortgage in XXXX XXXX. Then it was acquired by PHH Mortgage in XX/XX/XXXX. 
In XX/XX/XXXX PHH Mortgage sent a notification with a 46 % increase over my monthly payment so starting on XX/XX/XXXX the payment went from {$2800.00} to {$4200.00}. 
Escrow account shortage was the justification provided by PHH Mortgage. 
I called Customer Service and the only solution they provided is a loan modification which I did not accepted because I will lose the terms negotiated when the loan was originated. 
I have been struggling since then to maintain the loan current assuming the additional monthly payment of {$1300.00} but this increase is hurting my financials and soon I will fall behind with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I do believe that I have previously filed a complaint, about an issue with two hard inquires that I feel should be removed. Executive Employee XXXX supposedly did this investigation and called me telling me that my investigation had been denied. 

I was also told that I was denied credit due to the fact there was an initial fraud alert on my credit report. And that because my contact number was not listed on my credit report that I was denied. This information is totally untrue cause when I call XXXX, XXXX, and XXXX they all tell me that since XX/XX/2016 my contact number is listed on my credit report and that they actually require a phone number to be placed on your credit file while an initial fraud alert is in place, that was their policies. 

I dont know where Capital One came across that I wanted a credit card because these inquires are indeed frauduant inquires, as a result XXXX   has came back and even found a void within Capital Ones so called approved inquiry they came back saying while the address was confirmed my residence they researched further and found on the dark web part of it that the actual inquiry IP Address came out of State of Pennsylvania they would not disclose location due to security reasons. As a result Capital One no longer exists on my XXXX Credit Report. If Capital One was true and correct to their statement and initial investigation then why did XXXX   delete their inquires off my credit report for fraudulant inquires. 

However the fight continues because XXXX  and XXXX have not removed this and has required that i reach out and resolve this issue with Capital One. 

I ask the Capital One reopen this Investigation because the 2 Inquires on my credit report are fraudlaunt inquiries and if Capital One wont investigate then I will have no further choice but to file a complaint with the FTC stating the Capital One has broken the Fair Credit Report Laws because in general that is the truth. 

I feel the investigation was not conducted fairly, and I feel justified for my actions and I ask for a reinestigation and response to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I went into XXXX XXXX in XXXX, MI with my family in XX/XX/2017 to buy a car. It would have been my first car since I am a new XXXX XXXX with very little credit history. I agreed to a credit check with my mother as a cosigner. Our credit was run with 7 banks at once, resulting in 7 individual hard credit inquiries into both of our reports, but did not know at the time. We did not purchase a car while at XXXX XXXX. Months later, I applied for a credit card and was denied due to too many hard inquires into my credit during one period ( bringing the total to 8 ). Luckily, I was able to check my credit online for free. Since I am very new to credit and did not know that the inquires were individually charged, my credit dropped even further. I contacted Trans Union in order to discuss solutions to solving this issue, since 7 individual inquires into someone's credit is completely egregious and financially destructive. I was told that I would need to resolve this with XXXX XXXX and have a letter written to Trans Union in order to clear the matter. When I contacted XXXX XXXX 's finance department, they insisted that multiple inquires did not impact my credit and refused to help me in any way. The representative was very obtuse with me and refused to let me explain my situation, instead bluntly asserting that the issue is my fault and nothing can be done. After several back and forth arguments, I ended our conversation. After filing a complaint with the XXXX XXXX XXXX, XXXX XXXX still refused to help in any way so the root cause of the problem is still unknown, and with no clear solutions in sight.

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 2018-02-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2014 The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/2014 the dismissal was filed with the court. 
Since then, the three credit bureaus ( Experience, XXXX, XXXX XXXX ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.

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 2018-02-28
Company: BARCLAYS BANK DELAWARE
State: KS
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 have a Barclay rewards card. Twice now they have lowered my available credit without notifying me. Both times they lowered the available credit to within a few hundred dollars of the amount owed causing a balance to credit limit ratio creating a negative effect on my credit. I have not used the card in over a year and have had payments taken out automatically to pay down the balance. They claim the can do this. Really? 
I am being punished for nothing.

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 2023-07-24
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SYNCB was supposed to remove a JCPenny account from my credit report including its hard inquiry. This has not been done.

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 2023-06-09
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked them to stop calling that I am paying what I can and when I can. They keep calling sometimes 2-3x/day and other once or twice/week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Ass. ( PRA ) has wrongfully assigned a debt to me. I have never signed a contract with XXXX XXXX. I asked them to produce a contract that I signed and that said they do not have one yet they refuse to delete this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
CitiBank does not train its support personnel. They exploit overseas labor and do not train them. As a result, I just spent 47 minutes on the phone, during which my call was transferred 4 times, just to find the 5th person also was ignorant of the fact that the Citi AAdvantage card is not eligible for use with 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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

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 2020-10-27
Company: EQUIFAX, 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 are currently numerous credit cards listed on my credit report that I did not authorize. These accounts were not opened or initiated by me and was a result of identity theft or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are charges from XXXX XXXX XXXX  for mobile services which I never had. There is a charge of XXXX dollars in collections with ERC. Im not sure on the date of this but is believed to have been several years back. I do not use XXXX XXXX XXXX  for any mobile service. This was done under my maiden name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/2020, at XXXX XXXX, I received a text message from Bank of America ( BOA ) asking me to verify 3 transactions. Two from XXXX and one from XXXX 's. As requested by the text I responded NO I did not recognize one or more of the transactions ( the two from XXXX ). I also immediately called BOA to inquire about the situation, to inform them that I had not shopped at XXXX, and that I still had my card in my possession and so had no idea how this could have occurred. I explained this was a fraudulent transaction, that I had no idea how such purchases at XXXX could have been made/attempted to be made, that I was happy BOA captured the situation, that I did want to make a fraud claim, and that once the thieves were found I wanted to criminally prosecute them. On XX/XX/2020, they denied my claim. On XX/XX/2020, I filed an appeal pointing out each of the inaccuracies in BOA 's so-called findings and requested a thorough investigation. On XX/XX/2020, I received another form letter from BOA, not addressing any of the issues I raised in my appeal dated XX/XX/XXXX and again finding that the fraud was on my part, that I was being charged the amount of the theft at XXXX and that BOA would be contacting my credit agencies to note its findings. As a 32-year customer of BOA without a single issue during that entire history, I am appalled that they did not take my fraud claim seriously, found me at fault, and failed to provide any proof of an alleged investigation beyond a form letter which says nothing. I thought that fraud units were in place to protect the customer from theft, not to facilitate the theft, and not ruin the financial name of a loyal fiscally responsible customer. All documents are attached for your review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Based on the marketing of American Express, I now have Amex gift cards with {$200.00} each on them and I can not use them anywhere. AMEX is illegally keeping my money from me. They engaged in false advertising to mislead consumers into getting these cards with the promise of being able to use them universally, which is patently false. I can not find a single retailer to accept my gift cards as payment. They are universally declined. I have spent multiple hours speaking with agents on this issue and have only been told that the card can be used anywhere. Further to my dismay, I was told that the website on the back of the card provided to check your balance may or not be a fraudulent website so to not trust that either. These cards need to be discontinued as they are falsely advertised and do not function as viable commercial substance. The never-ending list of companies that will not accept these cards as payment include XXXX XXXX  such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. AMEX simply gets to hold onto the funds illegally by having a product that can not be functionally used. This is totally unacceptable business practice and needs to be dealt with accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Vehicle 's that have gone through Court to have me removed from them- are still showing up on my credit- when I was told by a Judge that all 3 of the vehicles that I was on with XXXX XXXX XXXX have been removed- due to Fraud committed by Him with his company-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had a fraudulent charge on my account and Wells Fargo denied my claim. Someone in Massachusetts had called ( somehow using my own phone number ) and requested my funds from the savings account to be transferred to the checking account where they could withdraw all my money.. 1800 $  approximately. The individual requested a change of address and a card to be sent to them rush service. I am in XXXX Texas, they are in Massachusetts and I worked both days so its impossible to have done that myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief