BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: General Motors Financial Company, Inc.
State: MS
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:
Twice in XX/XX/2021 ( on XX/XX/XXXX AND XX/XX/XXXX ), XXXX  reported my auto loan with GM Financial as being closed. This caused my credit score to drop not once, but TWICE this month. They now corrected the issue, but failed to correct my credit points that dropped as a result of their incorrect reporting. I contacted GM Financial on two occasions and they stated that my auto loan has been reported as open with all 3 credit bureaus monthly and this mistake was not on their end, but on XXXX end. When I called XXXX to get this matter resolved, the rep said " Im so sorry for your trouble. Let me get you the necessary information to remove a hard inquiry ''. I said " Sir, this isn't a hard inquiry. As I stated, this is an open report that is being inaccurately reported as closed! ". I need XXXX to correct their mistake and adjust my credit points that was taken away from me due to their error! This is very unfair as I am working extremely hard on keeping my credit score above XXXX. My score is now a XXXX! I'm attaching each days of the discrepancy to show how they removed and added on two occasions causing my score to drop on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 been trying to work on my credit and I have not received any mail from XXXX  and TransUnion.

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 2019-02-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a auto loan with Ally Bank. My auto payment ( contractually agreed upon at time of leasing in XX/XX/XXXX ) was increased by {$3.00} per month with no reason given by Ally some time in XX/XX/XXXX. I was never informed. Months later, once it accumulated to {$27.00}, I began receiving calls incessantly from Ally and did understand why. I finally spoke to a representative and they explained that my account was delinquent and past due {$27.00} which would be reported to the credit bureau and adversely impact my credit if I did not pay right away. I was furious as I pay {$280.00} automatically on time every month. I asked the Ally representative to simply take the payment over the phone and they told me I could not. I asked them to just take it out of my auto payment ... they told me they could not. I asked them to push balance month to month so that the additional charge would be paid in my lats auto payment. They said they could not do that. They told me to go online and log in and change my auto payment. I have tried SEVERAL times and can not do this online. I finally gave up and made a manual payment online on XX/XX/XXXX in the  amount of {$27.00} in addition to my auto payment. Since I can not log on monthly to pay {$3.00} so that my account is not delinquent, I am collecting a late fee of {$4.00} every month in addition. I am certain I am not the only one they are running this scheme on ... What they are doing this is making it inconvenient for me to pay an arbitrary, nominal increase to my loan which results in a late fee. They are making {$7.00} off of me monthly and I have no control. They are counting on me to not log on every month to pay {$3.00}. I don't know how this practice is legal. I still do not know why my monthly was increased by this amount. I have written emails and I have left messages, I have threatened to sue and no response. Please help me stop this!

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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX should not be reporting to XXXX XXXX XXXX  and Transunion lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, XXXX XXXX XXXX  and Transunion are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/2018, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/2018, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/2018 to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.

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 2019-02-25
Company: EQUIFAX, 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 have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( Los Angeles county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in Los Angeles to report these accounts.

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, 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 have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 " Waypoint Resource Gr '' has opened an account in XXXX reporting that I'm in debt of {$270.00} from an original creditor " XXXX XXXX XXXX '' I have received service from " XXXX XXXX XXXX '' starting from XX/XX/2018 and ended my service on XX/XX/2018. I have communicated with that company to make sure that my account was in good standing and they assured that everything was intact and that my account was in good shape. I never received a letter nor email stating that I owed any amount to either XXXX XXXX XXXX nor Waypoint Resource Gr. XX/XX/2018 I received a call and was lied to, or mislead. The company called saying they were calling for a job opportunity, and they wanted me to verify my name and address. After I provided that information, they then stated the name of the company " Waypoint Resource Gr '' and said they were calling to collect a debt of the amount of {$270.00}. This negatively has affected my credit score tremendously because " Waypoint Resource Gr '' reported the same thing twice in different dates on Equifax. Waypoint Resource Gr has opened two account for the same amount on different dates which are XX/XX/2018 and XX/XX/2018 for {$270.00}. It seems that they are trying to collect more than what there asking for which is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian PIN does not work for unlocking credit freeze. 

I can't get Experian to temporarily lift a credit freeze. On XX/XX/XXXX I set up a credit freeze with Experian. I was issued a PIN to lift the freeze when desired. 

In about XX/XX/XXXX I attempted to get my credit freeze lifted for one time on their website. I used the PIN I was issued on XX/XX/XXXX. Experian said that the PIN was not valid. I then mailed in documentation proving my identity and Experian sent me a copy of my PIN, which is exactly the same PIN that I was originally issued. 

Today I tried to use my PIN to unlock my freeze for one week. The Experian website said that the PIN was invalid. I also called on the phone and an automated attendant told me I must send in many documents in order to get my freeze lifted ( after validating my identity and taking my PIN ). 

It seems that Experian wants to make unfreezing a credit report so difficult and impractical that no-one will ever want to freeze their 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 2019-02-25
Company: NAVY FEDERAL CREDIT UNION
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 have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my  reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.

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 2022-01-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check on the XX/XX/2020 in the amount of {$9200.00}. I was told that checks generally take 2-3 business days to clear. I was expecting that funds would be available in my checking account on XX/XX/2020. I called the bank to ask why there was a delay. They told me on the phone that there was a fraud alert and my check would take additional days to clear. The agent told me that the check would clear on the XX/XX/2020. 

I don't have any history with this bank and the check was a local check from a well know firm in XXXX which they could have verified on the same day. When I told the bank that I needed funds to make a payment they now said that I needed to come to the branch again to get the check verified. 

I don't want to believe that I was profiled by this bank but i have had experiences in the past where I have been profiled due to my name, race and/or ethnicity. 

The people I spoke to from the branch were very rude and unprofessional. I am requesting that any overdraft fees be waived as the bank made a purposeful decision to not clear my funds even after I made a request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: BARCLAYS BANK DELAWARE
State: MI
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:
Barclays Credit Card - continuation of CFPB Complaint # XXXX After reviewing their resolution multiply errors were founded in their response regarding bank debits and credits and the numbers of transactions without providing additional tracking information beyond general statements. The initial payment was accepted by Barclays on XX/XX/XXXX ( the automatic payment date ) and taken out of my bank account of {$2100.00}. Yes a stop payment was placed on the duplicate bill of {$2100.00}. Their statement of Period of XX/XX/XXXX - XX/XX/XXXX states payment received on XX/XX/XXXX. The stop payment of duplicate payment took place on XX/XX/XXXX. I feel Barclays did not provided inaccurate documentation and tracking off payment. My credit union provided Barclays with tracking numbers and the necessary information. Barclays have provided me with information that clearly does not match my bank statements. Barclays did state that duplicate billing issues occurred during this time period and I feel their system reflects errors of payment. 

I dispute that my XX/XX/XXXX statement was not payed or this case should not have been closed.

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 2023-06-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Square Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
For approximately 3 months XXXX Financial Services has restricted two of my accounts. My wife and I have two XXXX XXXX, one in which we XXXX XXXX XXXX, XXXX XXXX XXXX under XXXX XXXX and the other in which we XXXX  XXXX XXXX under XXXX XXXX XXXX Square has restricted both accounts and has virtually infringed upon our constitutional rights to life liberty and the pursuit of happiness. I have reached out numerous times to their customer service department with no success. I have tried to escalate to management but they will not put a manager on the phone. They keep asking for supporting information and when I submit that information many times their system will not upload it. When I provide the information to a representative they fail to update their system. Furthermore they confuse the two businesses ; they ask for COA information for XXXX XXXX and we do not XXXX XXXX XXXX  through XXXX XXXX. When I provide the COA and other information they request, it never seems to be enough. They always want more. They have our funds frozen and we can not do business. We need the merchant account to do our financial processing but we just can't seem to get to the right person who will accept responsibility and solve our problems. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In 2005, I opened a Best Buy credit card and purchased a computer. I remember it well, as it was my first credit card and a very large purchase at the time. I was careful to review everything I was signing. However, I recently learned that, at that time, a monthly recurring charge was added to my account. I never authorized or wanted this " debt protection '' service, as I already have insurance. Nevertheless, I have been charged every month for the past 14 years. When I learned about it, I called, cancelled, and disputed the charges. However, Best Buy reviewed my account and determined that I had signed up for the service at the time of my purchase and have had the coverage since. So, according to them, I legitimately signed up and they will not refund my money. I now believe that the employee at Best Buy who sold me the computer may have used my information to purchase the debt protection in order to receive a bonus or something like that. I can only say that I am certain I did not.

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