BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, a fraudulent credit account was opened at XXXX XXXX XXXX under my name. 

On XX/XX/XXXX, I filed a complaint with Experian to remove it from my credit report. Experian did not remove it, as they claimed that XXXX XXXX XXXX said the account was valid. I did not open this account. Do I need to file a police report for identity theft? I filed a police report last year ( XX/XX/XXXX ) because someone was trying to open credit in my name.

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 2020-11-13
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
GM Financial ( GM ) XXXX. XXXX XXXX XXXX, TX XXXX RE : Account # XXXX The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. The abusive practices, deceptive and unfair debt collection practices by GM will not continue to violate my consumer 's rights. In pursuant to 1692 using symbol in the contents of an envelop that would signal that this is a debt collection practices. Every debt collect, original or third party all put their logos like GM in the content of the envelope is an infringement upon my consumer 's right to privacy as well as misleading representations in pursuant 15 USC 1692e and these violations needs to be address appropriately. This Affidavit of Truth has been submitted in regard to the violations committed by GM. Federal violations against a federally protected consumer. Enclosed are exhibits proving some of GM wrongdoing. In pursuant of 15 USC 1692K I submitted a remedy for each violation of the FDCPS is {$1000.00}. Affidavit of Truth, Invoice and Exhibits have been sent via certified mail with return receipt. All pertinent documents are enclosed. GM please be advised you also sent me another consumer 's account payment history. GM what should I do with the contents. Should I forward it to the consumer Ms. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
The bank said I owed XXXX dispute this is fraudulent in it 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 explanation
Consumer complaint received 2018-02-24
Company: Flagstar Bank, N.A.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My daughter XXXX XXXX & I XXXX XXXX jointly own a home at XXXX XXXX XXXX, XXXX IN XXXX. For about 5 years we have tried to refinance for a lower interest rate we get all of the dicuments & necessary paperwork needed to complete the transaction and Flagstar will block it every time. We have asked them to help us lower our rate but they refuse every time. We recently discovered that the bank is saying we owe them {$8600.00}. I have never received any notices about the missed payments they say we owe from XX/XX/2016 to XX/XX/2016. That is a total of 5 months at {$1500.00}. Attorney fees {$650.00} and court costs $ XXXX.I was not aware of this and we have requested a stsement each monthshowing a breakdown of payment, principle, interest, insurance, etc. they abaolutly refused. she even tried to open our account on the website of Flagstar to access our account to see her personal history, she was blocked from that also. What bank allows you to to do this. Im angry because Im responsible for this enormous amount of money they say we owe that I was never notified about. Im XXXX years old, lost my husband 5 years ago and my duaghter is a single mom of XXXX. Flagstar had no answer when I asked them why I was not notified about this. No mortgage company will help us because of their dishonesty. I have other documents that I can share with you. Please let us know.Thank 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 explanation
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
EQUIFAX seems to have problems with my credit file.I notified them that on XX/XX/2018 XXXX credit works premium was unable to pull a equifax report and has not been able to since.After talking to Equifax I have sent in by fax my ID and address info. they requested.No one can pull an Equifax file on me.I can not either through annual credit report.com.I can not function in the credit world due to Equifax computer problems.

Could we make XXXX part of the BIG THREE and tell Equifax to go to another country?

I ordered a credit report from Equifax Shortly after XX/XX/18 and it has not arrived.They keep saying they are mailing one but it doesn't arrive.I have no problems with XXXX or XXXX   reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/18 ), Equifax, XXXX, XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BARCLAYS BANK DELAWARE
State: CT
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:
On XX/XX/XXXX I rented a sod cutter from XXXX XXXX in XXXX, CT for my son 's XXXX XXXX  project. The sod cutter did not work properly, we called XXXX for assistance but they couldn't provide any. We returned the sod cutter and XXXX charged us the entire rental fee despite the fact the machine didn't work. We spoke to several managers but couldn't resolve the matter. I called Barclays the same afternoon XXXX to dispute the matter but they said I couldn't dispute it for 15 days and had to do the dispute online or by mail. I filed the dispute on XX/XX/XXXX and provided copies of the rental agreement and receipt. On XX/XX/XXXX I received a boiler plate letter from Barclays claiming I did not provide any documentation and they are unable to dispute the claim.

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 2017-08-01
Company: ALLY FINANCIAL INC.
State: IL
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:
Ally Financial Inc . XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. XXXX XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XXXX / XXXX XXXX XXXX Illinois XXXX XXXX was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Hard Inquiries XX/XX/XXXX - 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 2018-08-30
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I sent an email to the address listed in my contract 3 days before my payment was due revoking my ACH authorization ( sent XX/XX/XXXX - payment date XX/XX/XXXX ). I received email confirmation that my email was received by Cashnet USA. Today ( XX/XX/XXXX ), my account was debited. I called and spoke with customer service who informed me that even though I received an automatically generated email acknowledgement from Cashnet USA, that they did not receive my email nor have record of it in the system. I was then informed that I needed to contact them 2 days before payment was due to revoke my authorization. I re-explained the terms of my contract and again was told by email was not in the system. They will not refund my payment, so I am now disputing the charge with my bank to determine what my rights are for the unauthorized debit from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THEY SENT NOTHING TO PROVE ANYTHING JUST A LETTER WITH A BALANCE! I RESPECTFULLY REQUEST XXXX INVESTIGATE THIS COMPANY AND IF YOU NEED TO HAVE THE INFO UPLOADED OF THE ONE PAGE THEY SENT I WILL BE HAPPY TO SEND OVER THEY SENT NOTHING TO PROVE THIS DEBT IS MINE NO SIGNATURES NO MEDICAL LABS NO DOC NOTES NO NOTHING I ASKED FOR THIS IN MY DEBT VALIDATION LETTER AND THEY SENT THE SAME 1 PAGE BALNCE WITH NOTHING ATTACH THIS DOES NOT PROVE THIS IS MY DEBT AND IT IS NOT MY DEBT!!! I WILL REPORT TO THE 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 2018-08-30
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
In XX/XX/2015 I leased a new vehicle using XXXX XXXX for the 36 month term. As the term approached maturity, within 90 days, they began to call me to inquire as to what my intentions were at the end of the lease. I immediately informed them I would be purchasing the vehicle at the agreed upon price. They proceeded to call me every three to five days and asked the same questions and state the same policies about lease ending practices. I repeatedly told them I would purchase the vehicle at lease end. The calls never stopped. Let me add that I was never late with any payment for the entire term. As promised, and as directed, I acquired a cashiers check for the payoff amount and sent it certified overnight within ten days of maturity. The company received the check and signed for it. The next day, the calls continued with the same old questions as to what my intentions with the vehicle were. My complaint is about harassment and lack of follow through with customer requests regarding a large amount of money. I was NEVER late with a payment and did everything I was requested and required to do, however I have over 20 documented XXXX calls berating me at lease end over a 3month period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Choice Recovery Inc. Balance owed is {$3100.00} original company attempting to recover money is called XXXX XXXX XXXX XX/XX/2017 I have called and sent in writing to please remove any type of debt occurred due to I have never opened or used an account with this company. Whomever has used my name or information is fraudulently using my info and it needs to be removed asap.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi I opened a 0 % introductory APR for 15 statement dates, and if you spent {$1000.00} i would receive a {$200.00} credit. Okay I finally received my {$200.00} credit. However, they charged me {$5.00} interest. I Called to question this on XX/XX/2020 spoke to a XXXX complaint Ticket Nbr. XXXX said he would look into it. He claimed there was no such credit card. I told him I could send him a copy of the advertisement if he wanted it. This credit card is from AAA Financial Services through Bank of America. 
I received a letter from Bank of America dated XX/XX/2020 acknowledging the complaint. But when I checked on my account they still did not credit the {$5.00} so on XX/XX/2020 - I complained again - and tracking nbr. XXXX again they said they would credit it. So.on XX/XX/2020 they credited the {$5.00}. 

now i got my new statement dated XX/XX/2020 and i was charged {$3.00} interest for what? my balance by the way is {$0.00} no new charges.

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 2020-06-14
Company: PNC Bank N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I am trying to connect my Pnc account to my XXXX app but Pnc isnt letting the connection to complete

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX,2017 I went to purchase a car. I asked them to run my credit for a specific loan company and my credit was sent to multiple places and I did n't authorize that as I was approved for the place that I asked them to send my application to. I did not sign a contract to have my record sent to these companies.I mailed a letter to all four of these companies in XXXX 2017 and they did n't respond to me and its now 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 explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX is appearing on my XXXX, Transunion and XXXX credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!

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 2019-05-23
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in 2017 after the large security breach, I placed a security freeze through each of the 3 credit  reporting companies - Experian, XXXX, & XXXX. This was a long, tedious process but it was finally accomplished. With XXXX I had no trouble lifting the freeze. However, I am finding that trying to unfreeze the accounts through Experian and XXXX  has been not only hard but nearly impossible. I was given pin # s to use by Experian and XXXX  but NOT by Equifax when I was ready to lift the freeze. 

I have tried repeatedly to have my security freeze permanently removed from Experian, using the pin # they sent me but it keeps giving me a security freeze error and then recommends that I call them at XXXX. This automated system does not give you the option of removing a freeze, only of placing a freeze or fraud alert and there is no capability of talking to a live person. I have also tried their site at experian.com/upload but keep getting the message that the documents are not loading. Although sending my information online has it's risks, I feel like sending all of my information through the mail feels like an even riskier option. 

As for XXXX, I do not know how to proceed since I can not find any paperwork they sent to me with a pin #, like the other two did. 

I would greatly appreciate your help with this problem. 

Thank 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 explanation
Consumer complaint received 2018-08-30
Company: LEXISNEXIS
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I HAVE NO KNOWLEDGE OF THIS DEBT, RECENTLY I STARTED LOOKING INTO MY BILLS, AND DEBTS, I CAME ACROSS A JUDGEMENT PLACED ON MY CREDIT REPORT FROM A COMPANY CALLED XXXX XXXX. THIS WAS ODD TO ME AS I HAVE NEVER LOVED AT SAID ADDRESS. I AM AN XXXX XXXX XXXX VETERAN XXXX XXXX THE JUDGEMENT IS FOR OVER 6000.00. I AM ASKING THEM TO VALIDATE THIS DEBT, SHOW PROOF I WAS NOTIFIED OF THIS. SHOW I WAS PROPERLY SERVED. SHOW AND VALIDATE MY SIGNATURE. I AM ASKING THEM BECAUSE THIS IS CAUSING ME TO NOT BE ABLE TO FIND AQUEDATE HOUSING I CAN NOT RENT A HOME, I CAN NOT APPLY FOR A HOMES, AS THIS IS SHOWING AS A DEBT A JUDGEMENT A EVICTION, ON LEXUS NEXIS REPORT. I CAN NOT AFFORD TO PAY FOR THIS DEBT THAT IS NOT MINE. THIS IS UNFAIR A UNJUST. 
consumer number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: SYNCHRONY FINANCIAL
State: MO
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:
After I reported an unauthorized charges on my credit card, company decided to close my account without my knowledge. I reported several times that there is no any possible way fro me to access the card online to make a payments and there was no any response.

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 2019-02-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
I XXXX XXXX received a credit card in the mail that I did not apply for. The credit card is a Chase Slate card that was fraudulently opened in both mine and my wife, XXXX XXXX name. I then proceeded to call Chase at XXXX on XX/XX/2019 at XXXX AM XXXX. I spoke to XXXX who falsely told me I opened the card on XX/XX/XXXX. 

My concern is as to why this credit card was fraudulently opened in my and my wifes name. Furthermore the bank keeps on insisting I opened the card even though they lack proper documentation. 

I need assistance in terminating this fraudulent card and removing this fraudulent card from my and my wifes financial and credit history. 

Thank you for your efforts on my behalf. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: Screening Reports Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The morning of Thursday, XX/XX/2018, I woke up to an email stating that someone has run my credit report and I now have a hard inquiry against me. I tried to contact the company, the call keeps going to voicemail. 
I do not know who the company is or what they do and I have certainly not applied for anything cars, loans, etc in the last year. I have no idea how they got any of my information .This inquiry was not given permission from me, nor can I get ahold of anyone to see who they are. 
I would like this inquiry from " ScreeningReportsInc '' to be removed.

Company response to consumer: Untimely response