BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: AMERICAN HONDA FINANCE CORP
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: Reporting company used your report improperly

Complaint:
XX/XX/18 I went into XXXX XXXX XXXX with a pre-approval bank draft from XXXX XXXX XXXX XXXX to purchase a XXXX  XXXX XXXX. Even though I had secured financing on my own, I was required by Sales Manager XXXX XXXX to fill out a credit application. With a confused look, " I asked why am I filling this out when I already have financing set up? '' He replied with, ''this form is just for verifying your identity to make sure you're not a XXXX, I'm not pulling your credit or anything like that. '' So reluctantly I filled it out thinking that he was being honest about what he had just told me. Later on that day, I received an email alerting me that my credit had been pulled by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, which infuriated me. I contacted XXXX XXXX XXXX about this and the most that they could offer was an apology and second free of gas. I only completed the credit application because XXXX had informed me that my credit would not be reviewed and for that display of unethicality and unprofessionalism, I have submitted a dispute with XXXX. XXXX and XXXX will not allow me to submit a dispute without a Letter of Deletion from XXXX XXXX XXXX. So I reached out to XXXX XXXX XXXX yet again and got in contact with the Finance Manager XXXX XXXX, who's claiming that he is not aware of a letter like this so therefore I'm submitting this claim with hope that you all can help me. Additionally, if it helps at all, I do have an audio recording as proof that the inquiry was never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a car on XX/XX/XXXX, financed through XXXX XXXX for {$15000.00}. As part of the purchase, I got GAP coverage from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , IL XXXX. 
On XX/XX/XXXX I was involved in a collision where the car was totaled. My regular car insurance paid {$5200.00} and the GAP coverage paid {$3100.00}. Per the paperwork I 've included, the GAP contract amended my loan contract so that " in the event of a total loss my lender agreed to accept my physical damage insurer 's settlement, as of the Date of Loss, as full settlement of your loan account. '' Date of Loss is clearly stated as XX/XX/XXXX. 
XXXX XXXX has issued derogatory information on all three of the major credit bureaus, forcing me to get a terrible interest rate on my new loan for my replacement car. They are saying I am 90 days late and recently marked my account as a Charge Off. They have given me no reason why my GAP contract is void other than saying over the phone " You should made sure the GAP payment came faster. '' How can they say this when my GAP contract clearly states the original loan contract has been amended? 
I sent this identical information to XXXX XXXX XXXX XXXX and they have been virtually unresponsive. The only response I 've gotten to the disputes I 've sent them was that they are unable to use the documents I 've sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: AES/PHEAA
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/19 I called Transunion to address the two issues they are reporting inaccurately on my credit file and they were unable to provide information for both accounts. 

So I called the account : XXXX XXXX And ask for information which they stated it was a error and that they were sorry for the negative impact to my exceptional credit rating by wrong information reporting on Transunion. 

I then called XXXX XXXX to ask for information and was told the amount that should be reporting is {$990.00} not {$1400.00}. 

XXXX ). XXXX XXXX XXXX The amount reporting is {$3600.00} The accurate amount is {$3600.00} XXXX ). XXXXXXXX XXXX XXXX XXXX The amount reporting is {$1400.00}. 
The accurate amount is {$990.00} For both these accounts in question I request that Transunion return my score to its exceptional credit rating and rectify theses errors.

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 2019-02-03
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed an unrecognized debit card that opened under my name back in XX/XX/XXXX, and no progress has been made from the XXXX  or XXXX. I never visited or purchased at XXXX in person or online since XXXX ( which is verifiable from my transaction history at XXXX the only bank I use ) and I certainly did not open a checking account without linking it to my bank. Very interestingly, this debit card opened around the same time I was told I need to check if I was part of the data breach victims in XXXX. After confirming that I was I immediately reported this fraudulent collection for the sake of correcting my credit score from XXXX 's dispute center. Almost 9 months have passed, I still see no investigation progress from XXXX  or XXXX  and this collection record is affecting my ability to apply for a car loan that I need for day to day commute. I need to correct this collection record from a real identity theft incident that happened almost 2 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: AZ
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My bank mistakenly mailed a XXXX  check to Capital One that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to Capital One Retail Services and had an account number on it that matched a XXXX store card that I had closed. Capital One decided to apply that payment to my business account, where the checks are made out to Capital One Bank ( NOT Retail Services ) and has a completely different account number. I called Capital One as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. A manager, who would only identify himself as XXXX, first tried to tell me that it did have the account number. Then he said that he was looking at the wrong payment and that I was correct that the check was for a different account in a different department but said that since Capital One had already decided to apply the payment to an account that was in no way connect to or referenced on the check they could not reverse the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I bought an XXXX computer on a promotional rate with a Barclay Credit Card. It was a program set up through XXXX. <P/>When I did the promotion I received a general credit card to use anywhere as well. <P/>I 've been paying monthly payments for more than a year and was recently shocked to learn that very little went toward paying off the promotional rate. I thought they were applying some of my payments toward this but turns out they were not and they say they did not have to until the last two months of the promotion.
<P/>I 'm quite confused about when I make payments how to make sure it goes toward paying off that promotional purchase. I can not figure out how much of each of my payments is even allocated to paying it off. <P/>The promotional rate ends in early XXXX and I 'm still trying to figure out how I can pay it off. <P/>The promotional purchase is roughly {$1000.00}. The total amount I owe on the card is {$4000.00}. <P/>I want to make a couple of payments between now and XXXX so it 's paid off. <P/>I feel this is very misleading. I have another promotional purchase card with XXXX XXXX and they are very upfront about the payments and applying it to the promotional amount so you are not charged back interest. <P/>I feel this is very misleading and sets consumers up to fail and owe the bank all the interest from date of purchase.

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 2017-10-01
Company: WELLS FARGO & COMPANY
State: ND
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent, unauthorized and do n't belong to me. I never applied for a XXXX credit card account. The balance of {$4300.00} is fraudulent charges/transactions.

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 2019-10-13
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received a debt collection letter for something i never had. The state that the services done is not a state i have ever been to. the state the services being billed for is a state outside of my current state and is false. I apparently received medical care at an emergency department which i never have been to. I receive all my care at one location which is the a gov hospital. The bill sent to me for a collection amount of XXXX for services done is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIBANK, N.A.
State: DC
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:
I did not authorize this inquiry. 
The below inquiry on my credit report is fraudulent and should be removed by this establishment. I never knew this was on my credit report and as it shows it should have been removed already. 


CBNA/ XXXX XXXX XXXX XX/XX/XXXX INQUIRY XX/XX/XXXX INQUIRY REMOVAL DATE Bank Credit Cards XXXX XXXX XXXX XXXX XXXX , SD 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 2022-08-15
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: Account information incorrect

Complaint:
Complaint Against EQUIFAX and XXXX XXXX XXXX XXXX made false claims ( that they have since retracted ) about XXXX ( XXXX ) late payment dating back to XX/XX/2020. Although XXXX XXXX XXXX fixed the error on their side, and has notified Equifax and XXXX, Equifax and XXXX refuse to correct the false report and is publishing false information about me without my consent. 

It is my understanding that : According to : 15 U.S. Code 1681b - A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

XXXX. I have provided NO WRITTEN CONSENT to Equifax or XXXX or to XXXX XXXX XXXX to provide/publish/display/collect information about me, my credit or financials XXXX. XXXX and XXXX have been informed about the error and continues to provide false information 3. Equifax and XXXX have not performed a reasonable investigation into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. 

Need Equifax and XXXX to remedy this immediately : 1. Remove false late payment information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX Balance : {$7100.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXXXXXX Balance : {$990.00}, XXXX on Equifax, XXXX, XXXX, XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Three years ago, I was told by a car dealership that I had a freeze put on my Equifax account that I did not put on there. After calling multiple times trying to explain what was going on ( there was a definite language barrier as the people I spoke with had a deep accent and they had to ask me multiple times to spell my name and for my social security number ), they asked me to send in my information to the Georgia office to verify my identity. After doing that and a few months, I received a letter stating they could not read the copy of my drivers license or social security card and asked me to send another copy. I have sent that in again and I never heard anything for months now. I have not been able to apply for a car loan in this time. I need to verify my information in a timely manner and remove the freeze I never placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I had posted on XXXX app for furniture items sale as I was going to move out. One person contacted me on XXXX and asked me to send text to her husband 's mobile number about one of the items i had put on sale. The person wanted to buy this furniture item from me and agreed to buy all items I had put on in app for selling. He sent me Cashier 's check which included amount for furniture items I had put for sale and charges to be paid to Mover for movement of these furniture items. He asked me to deposit this check and once the amount is deposited to my account, make {$1500.00} payments to Mover with email ID through XXXX app. I insisted that I dont want to make any payments and hold his money as my move out plan was postponed due to travel restrictions. He asked me to make Mover 's payment and agreed to pickup furniture items once my travel plan is finalized. I deposited the cashier check and waited for it to be processed and next day it was processed and amount was available in my account. Based on understanding that cashier 's check has been validated by Bank, I made payment of {$1500.00} in 3 payments made in 3 days of {$500.00} each as per daily limit in XXXX app on XXXX. I received email from my Bank on XXXX that the cashier 's check deposited has been returned unpaid and my Bank deducted the cashier check amount along with some fee amount from my Bank account. Now when I tried to reach the buyer on 2 different numbers he messaged me from, he is not reachable. I called Bank representative where my account is, but they said they can not help and I asked them to cancel XXXX transactions so that I can get my money back but they said since I initiated these transactions, they cant help. I called Bank who issued Cashier 's check but they told that they can not help in revealing the information on why cashier 's check was returned unpaid over phone. I am feeling helpless now and request to get my lost money back.

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 2019-10-13
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/19 I contacted Equifax to address some inaccuracies reporting and they were not about to provide any information to the account in question : XXXX XXXX / XXXX XXXX. 

So I called XXXX XXXX to get information and they specifically stated the amount I provided to them that I notice on my Equifax credit is incorrect. 
{$1400.00}. 


They stated the amount that should be reporting is : {$990.00} Equifax has not rectified this error and I would like to request this is repaired and return back my credit point for a high increase in utilization that I didnt have which has impacted my exceptional credit rating.

Company response to consumer: Closed with explanation