BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/XXXX I was influenced into finance two vehicles from a dealership, after contract was made, weeks later they asked for more money down to release my licenses plates and registration, had to called the police to force dealership to give them to me. Following month XX/XX/XXXX the state started mailing about taxes due and registration fees which were over {$2000.00} per vehicles. Went on back and forth trying to keep up with all of the ridiculous payments, Ive been so stressed, overwhelmed, XXXX  and even XXXX because everything Ive been working on financially has quickly destroy. Continue to get mails from the state about suspending my license, my credit drop drastically. Is now XX/XX/XXXX and the bank has informed that the dealership is no longer in business. They have been prolonging a settlement with 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 monetary relief
Consumer complaint received 2020-01-06
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:
I have two collection accounts showing on my reports that aren't mine.

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 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I responded to an offer from Capital One to open a savings account in XXXX. The offer was for a {$150.00} bonus if you held {$20000.00} in the new account for 90 days, which I did ( XX/XX/XXXX- XX/XX/XXXX ). The bank is refusing to pay the bonus saying the 90 day period started after an initial 15-day funding period. I spoke with a customer service representative and his manager on Friday, XX/XX/XXXX without being offered a resolution to the issue. The advertisement I am attaching clearly states that the funds need to be on deposit for 90 days. I did just recently notice that the fine print below mentions the initial 15-day funding period but this is contradictory to what is displayed in the top part of the e-mail. I find this dishonest and deceptive. There also may be a large number of other customers in the same situation. Thank you for your attention to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citibank reduces next day Institutional Transfers to ones External Accounts from XXXX to XXXX XXXX XXXX REDUCTION!! 


Dear Consumer Financial Protection Bureau, I just found out that Citibank has reduced their next day Inter Institutional Transfers to ones External Accounts have been lowered from XXXX  to XXXX} until further notice. That is a XXXX XXXX REDUCTION! This just happened recently and I believe it is due to the whole XXXX shorting saga. What this policy can do is put the individual investor behind the 8-ball because they may need to move their money into their brokerage accounts to cover their trades. Citibanks standard service takes 3-5 days that is longer than the 2-day settlement date one is given to settle their stock trades. I also ask you, What good is being able to transfer only XXXX  a day? 

These are the messages that is posted once you sign into your Citibank account : - Effective immediately, as a security measure to protect Citibank accounts, the limits for next day Inter Institutional Transfers to your External Accounts have been lowered to XXXX until further notice. You can continue using the standard service to transfer to your External Accounts for amounts greater than XXXX 


When taking to a Citibank representative, these were their responses : - We never intent to upset our customers however it is applied to secure the fraud transactions.. 

- It is to protect Citibank accounts from a heightened risk of fraud, I am sorry for any inconvenience this has caused to you - It was initially XXXX using next day service now it was lowered to XXXX whereas standard transfer is still same with limit of XXXX - As an enhanced security measure and to protect Citibank accounts from a heightened risk of fraud, the limits for next day Inter Institution Transfers were lowered. You are still able to send IIT 's with a higher amount using the standard service. 

- However this change was made to all our customers however you can still transfer through standard transfer type for XXXX per day and monthly limit is XXXX I think that this seems like something to look into.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2022-12-12
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-01-06
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:
THE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT TREMENDOUSLY. THOSE ACCOUNTS HAS BEEN REPORTING INACCURATELY AND HAS BEEN REPORTING INACCURATE TRANSACTIONS. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER IMMEDIATELY. I HAD NO KNOWLEDGE THAT THOSE ACCOUNTS WERE REPORTING SUCH NEGATIVITY INTO MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT TREMENDOUSLY. THOSE ACCOUNTS HAS BEEN REPORTING INACCURATELY AND HAS BEEN REPORTING INACCURATE TRANSACTIONS. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER IMMEDIATELY. I HAD NO KNOWLEDGE THAT THOSE ACCOUNTS WERE REPORTING SUCH NEGATIVITY INTO MY CREDIT FILE.

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 2023-10-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I was approved for a modification, I went through the trial period, paid accordingly for XXXX then in XXXX I attempted to make my payment by the same method and was not able to. During this time I concurrently applied for a GA Homeowners Asstance Funds Application per my Servicer. I later learned 45 days into the process that this program is subject of an investigation due to some fraudulent activities within the project itself. I received conflicting information from several relationship managers on which avenue would be most beneficial in correcting my default due to covid and the subsequent forbearance exercises. I have sent in many documents proving my income, proving my SS. When the forbearance period ended I made all payments up to date until XXXX, until I was informed I could not make any further payment and that my account was refered to a lawyer. When checking my documents I could call on a Friday and then on Several Days Later, I am asked for more documents. It was under lots of stress, so I reached out to my Congressman on NC and GA. In addition to the aforementioned, during the years of 2019 to present, my daughter was battling a very serious bought of XXXX XXXX, and at that time she was undergoing XXXX and subsequebtly preparing for XXXX for removal of a XXXX XXXX. I did my best to manage all of the issues I was goung through during those years. Concurrently, I also have a brother that is a XXXX survivor, and was battling a reccurance and also dealing with a XXXX XXXX XXXX that left him XXXX partially, and unable to perform duties as he did before the onset of the nerve issue. A relationship managers has asked if I can catch up with my payments, in which I stated yes am able and have been prepared for this. I was traveling back and forth between my brothers home of XXXX XXXX and my residence in XXXX to ensure that both of my family members were getting proper care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NV
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 hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered on my credit report. Upon reviewing my credit history, I noticed several inquiries that I have no knowledge of and have never benefited from, nor have I applied for any of the associated credit accounts. I would like to request your assistance in investigating and resolving this matter promptly. 

The inquiries in question are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I can assure you that I have not engaged in any of these activities, and these inquiries are unauthorized. This situation is highly distressing to me, as it may impact my creditworthiness and financial standing. I take my credit report seriously and have always maintained a responsible approach to my financial commitments. 

I kindly request that you conduct a thorough investigation into these inquiries and provide me with a detailed report of your findings. Additionally, I would appreciate it if you could remove these unauthorized inquiries from my credit report as soon as possible. It is of utmost importance that my credit information remains accurate and reflects only the activities that I have undertaken. 

Please keep me informed of the progress of your investigation and any actions taken to rectify this issue. You may contact me via the provided email address or phone number listed above. 

I understand the significance of maintaining the integrity of credit reports, and I trust that your esteemed organization will handle this matter with the urgency and attention it deserves. I eagerly await your response and resolution to this matter. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-12
Company: Bread Financial Holdings, Inc.
State: NJ
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 student loans were through XXXX and they switched all of my loans to XXXX. I was given the balance by XXXX  which matched my records and everything was fine. Then Im XXXX I get an alert that I have a XXXX loan all of a sudden from XXXX I called XXXX they confirm they have all of my loans and there is nothing with XXXX. I call XXXX at that time I could speak with someone they confirmed I have no loans with them and I would need to call trans union. I called them XX/XX/XXXX I believe and filed a dispute. I never heard back from them so I called them XX/XX/10 and they said I never filed a dispute. I was placed on hold and then was told they contacted XXXX and I do have XXXX loan with them. I went on XXXX  dna webpage and it says I have no open loans. I called them but since I have no open loans I cant speak to anyone. I called back to transunion and they suggested I reach out to you. My student loan balance is XXXX per XXXX and per the XXXX XXXX XXXX XXXX XXXXXXXX XXXX  doesnt show the XXXX student loan either. This all of a sudden popping up out of nowhere has affected me applying for a home equity loan and has dropped my credit score. I am at a loss of what I can do to fix this because that is student loan debt that is not mine.

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 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
aidvantage 's response was nonsensical. aidvantage is to update my address to the same address I have used for the last XXXX years. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2019-11-15
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing in because the discover card practices are unethical and are hurting all consumers I opened an account with discover I applied for the card in XX/XX/XXXX and it took them almost a month verify me and my information to open the card ok I star using the card and then in XX/XX/XXXX they ask me to release my tax information to them to verify my identity. I have never had to do such a thing for any CC company I did not feel comfortable with this I called the company they said yes the emails legit and we nee to verify who you are. I initially scanned in my SS card and DL. Then I told them I have card that have a way higher limit that did not required al the Hassel and struggle. they the said ok well Ill close your account. I asked them to escalate higher in the company as I do not believe its fair to the consumer to take a hit twice one for you to run credit them to close it. SO NO ONE CALLED OR FOLLOWED UP WITH ME THEY CLOSED THE CARD. My credit was hit again as I have a new account closed and then they added remarks closed by grantor so now that 3 total negative hits. This now has also happened to my Son account. they need to be stop we as consumers work hard to maintain or build good credit with the struggle in the economy for them to be adding extra obstacles just because they are a big credit agency is not at all fair. this is happening to many other and they need to stop and be held accountable. I rather them had just denied me from the beginning at least that would have been just one hit I would have had to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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