BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: General Motors Financial Company, Inc.
State: GA
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:
I was shocked when I reviewed my credit report and found late payment on my credit file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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:
I have found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the year XXXX  I was insured with XXXX XXXX. On XX/XX/ we XXXX  our son XXXX XXXX, Which was insured under my wife insurance. XXXX XXXX. 

Most of the bill the hospital charge have been paid after going to appeal process. 
We meet the maximum out to the pocket contribution for the year. Therefore XXXX XXXX is Obligated to pay. XXXX XXXX has not being consistent on the way they pay providers therefore this account is unpaid. 

I open an appeal case XXXX XXXX acknowledge the mistake. Therefore I am not liable for this debt. XXXX XXXX agree to make the payments necessaries to XXXX XXXX Hostpital

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 2020-01-23
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
tried to resolve but nothing happened this company did not want to listen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was late on a Macy 's credit card bill 35 days. The amount was less than {$100.00}. I did not know I was late because I did not receive a phone call, email or mailed statement alerting me. I rarely shop there but have had my account for over 20 years. I have never been late. I received a notification from XXXX   that Macy 's had reported my account as delinquent. I immediately paid the bill in full and contacted Macy 's collection department requesting that they remove the filing based on my relationship with them and my impeccable payment history. They refused. In my opinion they are violating 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 2020-05-22
Company: ACIMA CREDIT, LLC
State: PA
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:
According to the Pennsylvania Department of Transportation 's Repossession Laws, the Creditor, XXXX, was to follow laws put in place to protect their business and myself. The law states that I should have received a letter notifying me of the repossession allowing me 15 days to try and recover the vehicle before auction, and second, I was to receive a letter after the auction that stated the sale price and the new deficiency. XXXX DID NOT SEND THE LETTER which means they are not in compliance with Pennsylvania Laws. For that reason, for an error on their part, the repossession should be removed from my credit file because they are not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: IN
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:
I've spoken to XXXX  several times and a majority of the time the reps are very rude.. My last call was XX/XX/21, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor XXXX XXXX that the XXXX   claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from XXXX XXXX. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX  's duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me

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 2020-01-23
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:
I am requesting again to investigate accounts which does not belong to me.If you do not have any proofs you have to remove as soon as possible. If you are not going to take actions I will sue you.

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 2020-11-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
there are various items that are not reporting correctly and some collections that are not mine please see XX/XX/XXXX doc attached that details every inaccurate entry.

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 2017-08-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have made many attempts to work out arrangements with Navient over an extended period of time. There is always an excuse. I have seen several consolidations that they did within Navient that I did not request? I have a Defense to repayment request in because I am an ex-XXXX student. My other loan servicer has put my loans in forbearance pending the outcome of my request, but Navient has not. Those loans have just been sent to collections. I have no idea what the current situation is with Navient is either. I cant find most of loans and balances are way off so I do not know if they have been sold to collections or what has happened. I have called many times to ask why and I get a different story from every representative that I speak with. I know my defense to repayment request is being processed because I have gotten several Emails stating this. I have spoken to representatives at the Department of Education and was even walked through a consolidation request over the phone to try to consolidate out of Navient, but Navient loans always excluded. Something is extremely wrong if there is no recourse. Nothing happens to them for their deception and treatment, but there are severe consequences for me if I do not abide by what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
OnXX/XX/XXXX I went to Bank of America XXXX  ( XXXX XXXX XXXX  ) to make a wire transfer. While I was waiting in line, banker XXXX XXXX  spoke with me. She asked me whether I had a credit card, and I said yes. I told XXXX that I just opened my first credit card a month ago, and that was a XXXX XXXX credit card. However, XXXX  lied and told me that I needed to open a BOA travel card because XXXX  card had foreign transaction fee and less cash back ( Actually XXXX  offers 2 % cash back, better than BOA travel, with no foreign transaction fee ). She also did not tell me about the negative impacts on my credit report of opening 2 credit cards within the first month of credit history. XXXX lied and intentionally guided me to apply for a credit card using false information. It is clearly contrary to professional ethics. The decision of opening the credit card is not based on correct information. I contacted XXXX the afternoon of XX/XX/XXXX, asking her to cancel the hard pull on my credit report as well as the credit card. She said that she would contact me again the second day and provide a solution, but she actually blocked me from messaging.

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 2020-06-01
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
ftc violations 

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 explanation
Consumer complaint received 2018-09-26
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My information was stolen last year around XX/XX/2017. Money was taken from my account several Charges were made. I had almost XXXX in my savings account. It is now XXXX. I have contacted merchants and my bank for help but no one has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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:
XXXX XXXX XXXX refuses to update balance and payment history correctly causing XXXX credit score dip by updated information that was from the past not according to statement date at first it was correctly reported on XX/XX/2023 of a XXXX balance then on XX/XX/2023 the updated information from XX/XX/2023 a previous past balance of XXXX which was a past due amount and doesnt correlate with reporting date normally reported after statement date causing dip in score

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 2017-08-11
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So not only will they not prove to me what I owe I know that i owed like XXXX dollars and now it is well over XXXX.second issue is i tried to get in touch with this company for weeks and would sit on hold for hours to be hung up on. Third problem is they told me if i made payments that they would reflect it on my credit every month and they just said that to get me to agree to pay something. Now i call and they say they wont do so until entire debt is paid for. I have researched this company and they have tons of reviews stating that once paid they dont report that it is. My last problem is I ca n't believe a word they say now. I want the original amount from the original company because i know XXXX is completely rediculous. They treat you like XXXX and say well it is your credit. I am trying to buy a house and this rediculous company is holding me back. I am willing to pay them XXXX the XXXX for original debt and XXXX just to shut them up and get this resolved but i am at a loss. I need them to report this off my credit and for correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: U.S. BANCORP
State: NC
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:
Calling me to collect on the 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 non-monetary relief
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: IL
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:
Dating back to XX/XX/2019, I have requested from Experian, under the FCRA to verify inaccurate items on my credit report. I also requested that if such information can not be verified, to please delete the inaccurate items and to also send proof. Through various attempts, they have failed to delete the items from my report, which has in return made it extremely difficult to obtain new credit. This is very frustrating for me and request assistance in handling the issue.

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 2021-01-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Evening, My query is with Equifax Credit Reporting Agency. I feel my file have not being handle according to FCRA. I am victim of identity theft, in which I have presented Equifax with police report, FTC identity report, theft affidavit etc.I was told by Equifax fraud department accounts would be blocked after filing identity theft report. However, several years have past, accounts have re-appeared on my file.Consumer Reporting Agencies bear grave responsibilities to ensure accuracy of the accounts they report on their files, responsibilities must consist of something more than merely parroting information received from other sources. Both Equifax and Creditors are well aware of my incident pertaining to identity theft. " Re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) .Equifax have ignored my request to provide me with the documents that they have in there files that were used to verify the fraudulent accounts, which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to PROMPTLY DELETE all information which can not be verified. Equifax also failed to notify me 5 days prior to reinsertion of the following accounts as per FCRA. I Did open these accounts, I have provided Equifax with my documents. I have not receive any proof that the alleged accounts listed in this complaint are in fact belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or around XX/XX/2021 someone impersonated me and hacked my phone, email and transferred money online to my Bitcoin investments and then withdrawn it all!!!! They somehow done a SIM card swap and then used my Coinbase wallet to transfer all my money out of my business account to bitcoins then withdrawn all my bitcoins or transferred them somewhere else with no trace??? 
I contacted XXXX XXXX XXXX XXXX and Coinbase.com and nobody knows anything or how to recover my stolen money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX RE : Demand for Removal of Late Payments on Credit Report Re : Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act Section 1681 of FCRA law ( s ) info on report does NOT match my records.

I demand this item to be DELETED from my credit report ASAP.

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : The late payments never happen. Delete acct under FCRA 1681 Under Section 1681 FCRA this Late Payments Dated on my reports does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted under this law. If not Attorney Costs & Court Action will follow.

My consumer report is extremely valuable to me, and I wish to advise you that willful non-compliance is a violation of Section 1681n of the Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.

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 2021-10-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had several unauthorized charges on my card in XXXX and XXXX and one of them was for Paypal. 

I do not have a pay pal account and this is the second time within the past few years they have stolen money from me. The last time they managed to get several thousand dollars before I was able to cancel my card. 

When I contacted them about the fraudulent charges they said I needed to set up an account with them in order to dispute the charge. I did not want to set up an account with them since they have a history of stealing my information. 

I did end up trying to login to the account they " created '' for me last time they stole money from me and they claim I owe them money from the previous fraudulent transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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. 

XXXX XXXX XXXXXXXX {$5100.00} ; XXXX XXXX XXXX  {$720.00} ;

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 2016-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent XXXX a request to investigate some accounts from my credit file and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong address and also l stating I have an open collection

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