BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2016, I entered into a purchase agreement of a XXXX XXXX XXXX with GM Financial. In the same year I had to declare bankruptcy, chapter XXXX which became discharged in XX/XX/XXXX of the same year. I decided to keep the XXXX and continued making payments. I will attach each statement I was able to download through GM 's sight. 
I have taken my financial obligations very seriously since the bankruptcy and have tried to get my credit back to the 700-800 range. I am finding it very difficult to do so and have now had to hire a credit repair service because the scores remain stuck in the 678 range. I have been in the XXXX XXXX for the past 16 years and am very aware of how the algorithms for mortgage lending work. Only a few are approved through XXXX XXXX and licensed originators all use the exact same ones. It is a shame that consumer reporting agencies use other ones, but that's not the point. 
I feel GM has directly violated the FCRA by not reporting anything to the credit bureaus since XX/XX/2016 and are not threating to do so illegally. I have direct email correspondence in email through a team lead there at GM stating a repossession order is going into effect at the end of next month. I tried to make a payment and setup a payment plan for at least three to four hours this morning and have found out why it has been unsuccessful. 
I have proof of the payments I made in XX/XX/XXXX and XX/XX/XXXX and question why two reps at GM have told me the repossession order was already in effect. In attempting to make a payment through GM, this was the case too as I was blocked. Finally the last rep I spoke with confirmed the order and after transferring me to XXXX XXXX fast pay ( or something like that ) it was all confirmed because the rep there said this account was in repossession status. The order has been set in motion so I decided to pull off the road and park the vehicle somewhere safe and notify them of its location. I informed the store and they were ok with me leaving it there. It is right across from a police precinct in plain view safely parked. I walked 5 miles home and wonder how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Columbia Debt Recovery multiple time in regard inaccuracies reflecting on my credit report. I was a victim of identity theft and have already filed and FTC report and sent the Bureaus and have not received an update. Please remove this item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
transunion has failed to live up to 30 days and should be required to get rid of all inquirys now XXXX complaint number

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 2022-09-05
Company: EQUIFAX, INC.
State: MO
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Attorney general XXXX / Case # XXXX XXXX XXXX XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank offered a checking account promotion for new customers. 

1. I opened an account over the phone on XX/XX/XXXX with a Citibank CSR. The online offer stated fund the account in 20 days however the Citibank CSR stated " since we don't have any physical branches in Texas and you applied by phone, you have 30 days to fund the account. I said are you sure. She said absolutely. Please check phone logs. 
2. {$15000.00} was credited to my account on XX/XX/XXXX. 
3. Maintain the balance for an additional 80 days. I maintained the {$15000.00} balance from XX/XX/XXXX to XX/XX/XXXX. 86 days. 
4. Upon successful completion of the above within 90 days a {$300.00} Citibank bonus will be credited to your account. 
5. Spoke with XXXX ( Citibank CSR ) on XX/XX/XXXX, she said promotion code was applied correctly to my account and everything looks wonderful on your account from funding to maintaining the balance. A case was opened XXXX. Still no satisfactory resolution.

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 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
When reinserting information on a consumers credit report the credit reporting agency must notify the consumer within 5 days. No such notification was ever given to me in regards to the matter concerning XXXX XXXX/ XXXX XXXX . Account information was deleted on XX/XX/XXXX from my Transunion Credit Report and was reinserted on XX/XX/XXXX. 
In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no letter of reinsertion and therefor FCRA Laws have been violated.

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 2017-08-16
Company: A & O Recovery Solutions, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I prev submitted a complaint on XX/XX/XXXX they keep calling my work number. Now its a different company. XXXX XXXX XXXX XXXX XXXX. they said I owe XXXX and they are welling to take {$1000.00} right now. I told them that I had paper work that should that I paid this off. this was take in XX/XX/XXXX I paid back XXXX in full they say I did not. they are threating me. When I told them I had paperwork they said all find and dandy but if I did not give them bank info they were going to note that I was not willing to settle and would have a sheriff to serve me. they call from XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Transunion. Despite sending them the last complaint, dated XXXX XXXXand I have not received any response up to this date. Besides, the inaccuracies about my inquiries are still on my reports. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reported as unverified information on my Credit Report. Here are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XX/XX/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 2023-04-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
purchased airline ticket from XXXX XXXX using my American Express card on XX/XX/2023 in the amount of {$840.00} due to ill health had to cancel the trip then contacted XXXX XXXX and successfully canceled on XX/XX/2023 cancelation was completed within XXXX XXXX and XXXX XXXX guidelines XXXX XXXX has promptly issued full refund to XXXX XXXX I can see full amount credited in XXXX XXXX {$840.00} the XXXX XXXX does not list custom service phone number nor do they list customer service email on their entire site there is no way to request refund from them I've disputed the charge with American express and they are dragging their feet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
What is this complaint about?

Business Checking Account bonus of {$400.00} for promotion code " XXXX  '' was not paid to me.

What type of problem are you having?

The language in the promotion documentation is not clear. A clause in the language is being enforced but is in brackets. Items in brackets are considered as examples and not guidelines. The new money type restrictions are not mentioned in a full sentence. Due to this language being enforced, I have not received the {$400.00} bonus payment.

What happened? 
On XX/XX/2019, I opened a Silver Checking Business account along with a Money Market account. Opening deposit was {$100.00} to each account. I transferred in another {$4900.00} to the checking account on XX/XX/2019 using ACH. The total balance to both accounts was maintained at {$5100.00} for almost another 2 months. I transferred in another {$100.00} by ACH on XX/XX/2019. I made other transfers in but had to close the Money Market account. During these 3 months I was in touch with the Business Banker XXXX XXXX who was interacting with me, explained to me why the bonus may not be paid to me, and also opened an exception request for bonus payment. Ultimately in XX/XX/2019, the exception was denied.

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 2017-08-16
Company: SYNCHRONY FINANCIAL
State: IL
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:
Walmart MasterCard account was fraudulently opened and used paid for used again paid for payments returned and used again

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 


I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 


I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 


In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 


I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
To ensure that the non-creditor report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2017-08-16
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had two auto accounts with American Honda Finance in the past. Despite the fact that I never missed a payment on either of these accounts, Honda is reporting that I had multiple delinquencies over the course of the accounts ' history. This incorrect information being reported to the credit bureaus, as I always made timely monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
THIS IS NOT A DUPLICATE COMPLAINT! I have disputed the inaccurate payment history being furnished by XXXX XXXX. there is over two years of inaccurate payment history with 12 months of consecutive furnishings of the account being closed. Then after that 10 months of consecutive furnishings of the account being 120 days later. Finally, the company furnished 1 final month of the account being negative. I have reached out to XXXX XXXX customer service and was told, " There is nothing we can do ''. The payment history being furnished on this account is a violation of my rights to a FAIR AND ACCURATE credit report. This compliant has been submitted and close twice without this company looking into the problem. 

My wife is supporting me in handling this information and is able to speak on my behalf her name is 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 non-monetary relief
Consumer complaint received 2018-07-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed 23 inquiries and a chapter XXXX from XXXX  Alabama with Experian. I have done my research and suggest Experian do the same. Over half of these inquiries were done online and in Alabama. This is the letter Experian sent me. Let me share this i flew to Alabama to see a investigator in refrence to Fraudulent Activities on my credit report. As a result somebody in Alabama did this. At the time i was there i visited the court house in refrence to this matter. The clerk advised to call the reporting credit bureau .they didnt report. Experian see my cards from detective in Alabama .Please remove these inquuries and chapter XXXX immediately. I have Nevada id from XX/XX/2012 to present. Unless my name is XXXX. There is no earthly way i reside in 2 states and work a full time job in Nevada for over 5 years. Final attempt before i hire a attorney and file suit. For damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Account number XXXX XXXX XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013 along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my wife 's paycheck using their mobile app on XX/XX/22. My wife works for a XXXX XXXX  XXXX agency. I was shocked to read the following day that the deposit was going to be held up for 6 business days. In the last 20 years, the technology makes it possible for instant check and withdrawal/transfer of funds based on checks, and TD Bank , as one of the mid-tier banks, has to have the technology set up. 

When I called and spent close to an hour, I kept getting a variety of reasons as to why they are holding for 6 business days ( these are different from 6 calendar days, especially with the long XXXX XXXX weekend ) I asked her to send me in writing for reason ( s ) and of course, she made it clear that was not gon na happen. 

The fact is that TD Bank most likely received the funds on the same day and they wan na use the account holder 's funds free of charge. The excuses that I was given were the excuses the banks used in the 90s. I have no problem if they indicate 2 days but 6 business days? 

CFPB needs to issue strong and clear directives to the banks as to when they have to make funds available for checks deposited. It should be within 24 hours of their getting funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, is in violation of 15 USC 6801 & 6802 by reporting this account ( non-public information ) on my consumer credit report without my prior consent and/or authorization. Credit Acceptance provided no inconspicuous " Opt-out '' or " Right to Rescind '' forms during or after the opening of account XXXX as required by law in accordance with 15 USC 1635. Both XXXX and Credit Acceptance have also violated 15 USC 1611 by willfully providing false and/or inaccurate information on my consumer credit report. As a result, I am harmed due to being denied full access to credit, which has created financial hardships for my family and I.

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