BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: General Motors Financial Company, Inc.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
GM sold me me a XXXX Cadillac Escalade with a couple thousand miles on it which is that when it hit XXXX miles the lifters went out which blew the head gasket. It has been sitting for a year and I am a XXXX XXXX XXXX that has to XXXX, XXXX, cab or walk in the rain and heat. There are law suits for some are bad among other recalls and non working parts of this years car. Cracking navigation screen, door knobs fall off, light covers fall off the back, transmission parts faulty, most engine parts are bad, they did not inform me like the law requires and no I DID NOT MOVE for XXXX years I ran across the recall that informed me that there was no air bags so I had them put in. They wrote it off now and it's ruining my credit. I still owed XXXX but was paying {$900.00} a month for this junk and now I can not afford another car. I asked them to buy it back, it's junk. They refused. I am not the only one XXXX XXXX GM and it's pathetic to give them any more bailouts for sure. I am to old now to finance another car and am a XXXX of a XXXX that died for his country but paid on this one for 7 years. I am to old to keep walking or finance another car and now at 30 degrees I can die walking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian In the results of their FOUR investigation of MY SIX Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.”  The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX with American Express has been repeatedly calling me to collect a debt that I previously told her I could not pay all at once. She is unwilling to set up a payment plan to pay off the debt and has started calling my family, my wife and my work to try and collect this debt. 

The number she has been calling me from is : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
I placed some disputes with Equifax dated XX/XX/. I disputed late payments on closed accounts. The last reported late payment is greater than XXXX XXXX XXXX. The original credit report showed on-time payments and late payments. 
On XX/XX/, Equifax 's new credit report reported my own time payments as " unable to verify '' but reported the same late payments. As a result, my credit score dropped XXXX points. I never disputed my on-time payments. 
I reviewed my credit reports and there were no other changes. So removing my " on-time '' payments to " unable to verify '' payments decreased my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This company still refuses to pay the bonus that I should have received for opening a Choice Checking Account with them on XX/XX/2018. Despite repeated efforts of following up and demanding this bonus, they didn't pay it out. Now they claim that I didn't sign up for that promotion-that I clicked the wrong link when I signed up for the Choice Checking Account. This is completely contradicted by a message that they sent to me on XX/XX/XXXX saying that I should receive the {$200.00} bonus six to eight weeks after maintaining a {$1500.00} balance in their account for 90 days. They have lied over and over again, and still not paid me this bonus. I just in the past week initiated a transfer of my {$1500.00} balance at XXXX to my CHase bank and am still waiting on receiving that, but I still am owed that {$200.00} bonus they should have paid me by no later than XX/XX/XXXX according to their own XX/XX/XXXX message.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: FC HoldCo LLC
State: NJ
Product: Credit reporting 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:
XX/XX/2023 flagship credit acceptance and XXXX XXXX tan my credit. I was on XXXX XXXX thinking about refinancing and I never submitted my application after a refinance company reached out to me and I told them I wasnt ready to do anything that I didnt want to have my credit ran and they did it anyway I would like to dispute 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 2023-03-18
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent a closed account to collections company SOURCE RECEIVABLES stating that I owed money for equipment and additional service. When I closed the account i ported the phone number over, prior to I had just made my last payment. I requested return service for the equipment, and this never happened. I called XXXX several times to return equipment. XXXX never closed the account as requested and continued billing on equipment no longer used. 

This statement is from SOURCE RECEIVABLES, the collection agency XXXX CONTRACTED to collect on. We have received and reviewed the consumer complaint. Source Receivables Management is a third- party collections agency that was hired by XXXX to collect on past due funds. Source Receivables Management does not own any debt. XXXX placed this account, XXXX Account # XXXX, with our agency on XX/XX/2022 with a balance of {$2200.00}. Of this balance, {$1600.00} were due to XXXX charges for devices. The remaining balance was for services rendered. If devices were returned, we would need proof of the returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 2020-09-25
Company: EQUIFAX, INC.
State: MD
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 requested an extension on my auto loan with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I requested the extension because I fell ill on XX/XX/XXXX and spent the next 8 weeks recuperating from what we now know was Covid -19. XXXX  XXXX XXXX XXXX gave me an extension for my XX/XX/XXXX and my XX/XX/XXXX payments. XXXX  XXXX XXXX XXXX then sent me a letter stating the following : " The extension will move 2 payment s of {$540.00}, skipping the XX/XX/XXXX and XX/XX/XXXX payments and moving them to the end of your account term. Your contract maturity date will move from XXXX XX/XX/XXXX. '' I have noticed sine then that those two extended payments are showing as delinquent. I have tried disputing this issue with XXXX XXXX and all three credit reporting bureaus to no avail. If there is any way you can help it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
To Whom It May Concern, Good morning, writing today and before presenting my actions, thank you for allowing me to do so. On XX/XX/XXXX I visited my XXXX XXXX Dealership to purchase a new XXXX XXXX XXXX, this vehicle is similar to my XXXX XXXX XXXX. Due to my multiple job losses ( not my fault in my opinion ) my vehicle I was repossessed and now I am left owing the bank balance. Here are the two main companies I worked for at the time of my car being repossessed .On both jobs there was a miscommunication with XXXX XXXX woman, and here are the explanations for both reasons. At XXXX XXXX XXXX XXXX  a woman complained about children 's behavior during a rainy day schedule at recesses at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I served as a XXXX XXXX at that time ( XXXX XXXX XXXX ) and it was employed and as a sales clerk at the XXXX XXXX XXXX XXXX. This time was between XX/XX/XXXX to XX/XX/XXXX. At the XXXX XXXX XXXX XXXX a woman ( Lead Sales Clerk ) complained about having work done, my work wasn't completed due to the short staff. A woman worked that was hired around the same time as I left before I was terminated ( she worked nearby at the N.A.S.A. facility I believe ). Being a XXXX ( XXXX. XXXX XXXX ) working for the XXXX XXXX XXXX XXXX is a privileged position in my opinion and I took losing my job seriously. Also, I CURRENTLY receive socials security benefits and working the jobs ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) I mentioned earlier helped me COULD HAVE stop receiving social security benefits. 


Sincerely, Writer XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Southwest Credit Systems, L.P.
State: NJ
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: Billing dispute for services

Complaint:
I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX.  I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: U.S. BANCORP
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi. I have an account with U.S. Bank. They have closed my account stating I misused their name on social media. I have never posted about any accounts I have and have no clue as to why they would close out my account. They closed out my account without any warning and stated they will send a letter. Shouldnt a letter be sent out before you close out an account? I was also given a number that does not ring but can only leave a voicemail. I believe they no longer want to give me XXXXapr interest for the next 6 months and are punishing me because I refuse to open up additional accounts. I have never been late on any payments and have excellent credit. I would like a detailed explanation and to show me when & where I have ever commented about my us bank account. I would like my account reinstated and not forced to open up additional accounts.

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 2023-03-18
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, i was a victim of an XXXX DATA BREACH more then Once. XXXX has emailed me this and I will be sure to upload it. ON XX/XX/XXXX I got an email from netcredit stating I owed them over XXXX to start paying XX/XX/XXXX, on an XXXX loan taken out that day. The amount of those rates are theft on their own. I never took out the loan and was told i was a victim of identity theft but it was getting more frequent since XX/XX/XXXX. I forwarded the emails from XXXX. NETCREDIT started if I Send them a police report within 7 days this matter would be clear. I did just that within day 4 and on day 5 they already lied and reported to the credit bureaus dropping my credit score by over XXXX points. .I sent them the police report number well ahead of time now i am reporting to the FTC . 

NETCREDIT stated once they can verify the police report they would drop this whole thing. instead they added it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
Upon securing a copy of my Credit Report from XXXX, I immediately investigated it and noticed that there are erroneous accounts reporting on my Credit file. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-18
Company: Experian Information Solutions Inc.
State: FL
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:
Inquires on my report that are not mine. Victim of ID Theft XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX 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 2021-10-08
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It says comenity bank on the caller ID they call after hours and call continuously. I do not owe a debt. The last time I answered I call like this I was fooled and they got my info. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
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: Account information incorrect

Complaint:
I had a car that was repossessed by the credit union I financed it through, XXXX XXXX XXXX. They sold the car at an auction. They did not notify me of the intent to sell. They then sold my full loan balance without giving my balance credit for the sale to a collection agency, XXXX. 

I have filed multiple disputes with the credit bureaus XXXX and Equifax as well as contacted XXXX for years regarding the account. It is reflecting as charge off with a balance of {$8400.00} and reported every month by XXXX. In addition it is reflecting as a collection account on my credit report for the same balance. 

Finally based on my Equifax credit report the account was reported delinquent XX/XX/XXXX and never was reflected as current after that. They told me the first date of delinquency was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions 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:
On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXXs XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX XXXXXXXX XXXX XXXX Balance unknown all opened around XX/XX/XXXX. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.

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 2023-12-15
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name : OmeMain # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-08-29
Company: ENOVA INTERNATIONAL, INC.
State: PA
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:
Creditors pulled my credit file without permissible purpose ( collection is not a valid permisssible purpose )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ECMC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA The above tried to call me repeatedly in 2015 to " enroll '' me in a student debt program- I REFUSED. I did not have any money, was living with my mom after a natural disaster. They used robocalling for over a year to try to get me to enroll- posted erroneous payments then placed several debts on my credit. I now have NO documentation of my loans and I am locked out of the US Dept of Education website. They keep adding money to these " Loans '' but reporting it as " personal loan '' not student loan. And I have NO agreement I ever made with them because I thought they were a scam when the abusive repeated calls started.

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