BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My lease completed in XXXX. LEASE WAS PAID IN FULL. My wife returned the car and received a remaining lease obligation quote after inspection and it stated the amount owed was {$0.00}. I got a call 2 months later saying I owed {$430.00} ( approximately one month of my lease ) for just returning my car. Confused, I argued with the person on the phone. She was nasty, unhelpful and abusive with threats. in previous lease returns, I've never been charged for simply dropping off my car especially when I asked the person who inspected it if there were any charges and they said " NO, you're all good. '' Since we decided against getting another XXXX, we didn't lease a new car from them. That is when apparently they decided to charge me this nonsense fee. After the conversation, our world took a turn for the worst. We own a XXXX  and our industry was shut down by our governor for COVID restrictions. I completely forgot about this and never received another bill or notice from them EVER for this ridiculous fee. I went to try to buy a house recently and it showed 1 miss payment on my credit score which dropped it 170 points and is currently hurting my chances of buying a home. It is CRIMINAL that these big companies 1 ) can charge nonsense fees at the end of the lease and 2 ) can disrupt someones life for {$430.00} when I just got done 3 years of lease payments with them without missing a payment. The credit report showed it as " missed payment '' which is nonsense. I called the company and paid it immediately and asked why I didn't receive notice that they would hurt my credit. They had no answer but only to say " You asked us not to call you any more so we didn't. '' THAT IS CRIMINAL. I explained the situation and paid immediately and asked them to contact the credit agency and fix the issue. They refused and simply said it would just show up as paid in 45 days. That is absolutely ridiculous in normal times, but in this Pandemic that has destroyed my business and a good part of my life, it is EGREGIOUS and CRIMINAL They refused to work with me or even discuss the charge when they first called me about it. They were ignorant and nasty. If everyone else has to bend during these times, why can't a financial institution like GM Financial who cealrly hasn't been hurt like XXXX XXXXt XXXX. Its CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit card was registered on XX/XX/XXXX so my account possibly could have been opened a few days prior. And when I check my credit report It shows It has been open since XX/XX/XXXX. Also when my credit card was bought from a collection agency the total amount was at {$4300.00} and on the credit report It is showing {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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:
Hi, Please check this account because its not mine. I have no idea why it appeared in my credit report probably identity theft or error in reporting anyway check it please and remove. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had a Capital One Credit that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX  department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXX  XXXX is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.

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 2020-04-29
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hi, my cousin as a Legal XXXX entered into an agreement with a Creditor on a Refinance Loan specifically a 'Retail Installment Contract '' with a Creditor being PENFED CREDIT UNION, after she was forced by duress being an " XXXX '' into a Fraudulent Contract of her owing nearly {$30000.00} after she traded in her XXXX to XXXX . My cousin entered into an unintelligible social contract as an XXXX and unknowingly was deceived into signing an agreement in violation of her 14th Amendment Constitutional Right, and was deprived of her XXXX by Fraudulent Misconduct by the Creditor herein. I've also as my cousin 's delegated Power of Attorney have been denied the right to act as her Power of Attorney after having submitted to the Creditor herein IRS ( Representative Power of Attorney ) Tax forms. My cousin has been denied the privilege to ( A4V ) Accept for Value - Exempt from Levy -  the Uniform Commercial Code process to discharge this debt with the Creditor herein. She has been denied the privilege ( s ) to Power of Attorney, and ( UCC ), by the denial of the Creditor herein un-acknowledging the debt cancellation process of her ( A4V ) the loan amount, and an unintelligible, illegal, and fraudulent contract with an " XXXX ''. Finally, the Creditor has destroyed my cousin 's line of credit, and has denied her hardship relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-10-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; Creditors XXXX XXXX XXXX # : XXXX ; Medical bill # : XXXX, XXXX # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Collection Services illegally committed multiple violations against my consumer rights. Attached is a copy of mailed correspondence to the company making them aware of my violated rights as a consumer, and owed remedy via invoice for my injuries form their violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2013 someone made a deposit of the amount of XXXX $ in my bank of america account and the check bounced they closed my account and reported fraud on my XXXX XXXX   and XXXX XXXX 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 2019-06-25
Company: Experian Information Solutions Inc.
State: NJ
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:
1. Experian did NOT remove a few of the disputed items as they stated on their response for complaint # XXXX ( see attached Experian response stating this, copy of dispute results showing all disputed items still on there AND a copy of my dispute letter dated XX/XX/19. 

2. The only account that was removed recently was XXXX XXXX and it was due to that XXXX XXXX couldnt provide me with any verification at all ( see enclosed documents ) and Experian has been saying for the past few months they have verified that same account and several others I have been disputing. How is that so? What exactly is your method of verification Experian? Its obvious Experian hasnt done anything to verify the disputed debts. Experian as a credit bureau agency the least you can do is require legitimate proof of debt before reporting erroneous information thats damaging to as persons credit.

3. Also Experian didnt respond on my previous complaint " why would they provide a collection agency ( XXXX XXXX ) copies of my social security card and drivers license if those personal documents were only addressed to Experian ''. 

Please advise.

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 2020-06-23
Company: Synovus Bank
State: MA
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 payment history from your company. 

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 2023-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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: Investigation took more than 30 days

Complaint:
I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX  agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.

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 2022-12-16
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Update : as of XX/XX/XXXX Professional Debt Mediation Inc refused to provide information on the amount I owe by avoidance and falsely reported I missed a payment when I have not gotten a return phone call nor have I established contact with the company to verify the debt. 

False collection from Professional Debt Mediation INC. appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the lady XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the plumbing was bad so after inspection XXXX started to come up in the tub and that is not sanitary. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector PDM INC and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My employer is having troubles with my background check, so i went looking online for an XXXX, then a malware took me to this site that i can check my credit report for free. so i can verify if my information are really wrong before calling or going to a government offices. while browsing to this site, giving my info even my bank details and ssn. an email from my bank. a transaction was made {$20.00} from that site. and i havent get any info about my credit. i did not know what did i purchased. when im about to cancel my subscription it has no options. i called the hotline they ask me again bout my personal infos. then they will cancel it for the next 2 days. but im worried about my infos. and i read alot in forums that they continue to charge on their account even they cancel their subscription. this happened just now XX/XX/2018 at XXXX the site is TransUnion. another site is XXXX. .. all of them are same scammers! i erased my browsers data trying to erase my info with them but its too late.

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
Consumer complaint received 2019-06-25
Company: Credit Karma, LLC
State: SC
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 was reviewing my credit score via CreditKarma, and noticed a hard inquiry from a " XXXX XXXX NV '' I am not familiar with this company, however some searching on XXXX lead me to XXXX reviews, and XXXX reviews showing this company to be a complete scam. 
A person referenced in one review is a " XXXX XXXX '' I am familiar with this individual as he has attempted to lock me into a contract for payment processing with a company called " XXXX ''. I urge the CFPB to look into XXXX XXXX, " XXXX '' and the XXXX XXXX XXXX XXXX in XXXX XXXX South Carolina. 
I have attached some public review based evidence of this companies attempts to scam people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Consider this notification a formal COMPLAINT & DISBUTE against KeyBridge Medical Revenue Care Attn : XXXX, I do believe it is in violation of the FDCPA for you to report a derogatory remark on my credit report without informing me that after 35 days ( according to a conversation w- XXXX XXXX that this would reflect my CBR. Especially after receiving a token payment of {$10.00} XXXX XXXX. Supervisior. XX/XX/2020 I asked more than once for a deletion from my credit report. I offered to Pay In Full. She declined to delete from my credit report. I have full intentions of reporting Key Bridge Medical Revenue Care, I can assure you that I will be reporting your organization and your client XXXX XXXX to the Attorney General, XXXX XXXX ; the State of Ohio Attorney General, XXXX XXXX and the XXXX XXXX XXXX of Ohio. 
I maintain a credit score of XXXX and 143 consecutive months of perfect payments on the accounts I have open. 

KeyBridge # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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