BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: General Motors Financial Company, 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 ) has violated my rights. Under 15USC 1681 Section, 602 states i have the right to privacy.

15UAC 1681 Section 604A section 2 : It also stated that consumer reporting agency can not furnish an account without my written instructions Under 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a new debt collector that is purporting that I have a debt, they have never provided my the opportunity to verify the the debt, nor have they sent any correspondence. 

I have disputed the debt and XXXX says its verified - this is bogus, I have not lived at the residence they claim this debt is attached to for years - this debt is false. The debt collector is collecting under a false pretense.

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 2020-09-21
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
Hello, My name is XXXX XXXX. I received a letter from XXXX XXXX regarding my Frontier Airlines World Mastercard account ending in XXXX, and the XXXX XXXX  account ending in XXXX. XXXX stated that the way the frontier airlines card was reported was going to be fixed due to the fact that the account was under the covid relief program that was offered by your bank. 

Secondly, The letter I received stated that the XXXX XXXX  card was going to be removed due to the likelihood that it was opened due to fraud. The letter also stated that the frontier  airline card would remain. I am disputing the validity of the frontier airline account. I would like to see the information that was used to determine that I infact is responsible for said card. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. 


I am also filing a complaint with the CFPB and the FTC regarding this particular account. I have attached the letter that was received from your office regarding the account. 


Thanks,

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 2023-01-09
Company: EQUIFAX, 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:
I have attached an FTC report with inquiries I did not authorize and need them to be deleted ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
Santander dealt with the co singer of the vehicle involved. He surrendered the vehicle without my knowledge! It has been on my credit for almost 13 years, its supposed to be reported for 7. Now after the investigation, theyre saying it will remain until XX/XX/2020. I want it removed! Hope this time it gets handled correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an account from XXXX XXXX XXXX on my credit report. It shows that that account has been sold to XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter and the response I recieved was dated XX/XX/2019 says that the collection is terminated. 

I am wondering why is this account currently showing that it is still in collection. Why hasn't the account been deleted if the collection action has been terminated from my credit report?

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 2019-03-02
Company: ID Analytics, Inc.
State: GA
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:
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX I applied for barclay black card Was denied because I have sufficient credit Even though I only have two credit cards. I have great income and my debt to income ratio is perfect. 
I Was asked why I do not have credit prior to XX/XX/XXXX, thats simply because I was XXXXyears of age. They made their decision based on that.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: AL
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT 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 2023-06-07
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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # 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 2022-01-06
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express closed my account ending in XXXX. I've been a loyal customer for many many years, I depend on this card. This was an unfair closure. I want the card reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I received an email from XXXX XXXX XXXX advertising their credit card with the offer of XXXX points and a XXXX Companion Pass after spending {$4000.00} in 3 months. When I purchased a flight on XX/XX/19 I selected the offer either from the email or display advertising on XXXX. 

I believe the ad switched me to a {$200.00} off flight credit by confusing me believing I was receiving the XXXX point and Companion Pass as part of the deal as well. I opened an account and then began to use my new XXXX XXXX XXXX XXXX credit card for all purchases so I could spend the {$4000.00} in 3 months to earn the promotional offer. 

After I spent the {$4000.00} I called Chase to find out when I would receive the offer they said that offer did not exist. It took me finding the email for them for them to actually believe the offer did exist ( they managed to find it after I found email proof ) and Chase then informed me the offer expired and I actually selected a different offer for {$200.00} off and XXXX points after spending {$500.00}. I offered to send them the email ; the manager informed me that they do not have an email to receive the evidence. 

I explained that I would never have opened an account if that was the offer and my spending habits clearly show I was motivated in spending {$4000.00} in 3 months. After having to escalate, I spoke with a manager and said they would review my case but I may lose the {$200.00} flight credit if the review was processed. I explained that was fine as the XXXX points + companion pass was my motivation to sign up. 

Approximately 10 days later I received a letter saying that " my account is not eligible for the new offer ''. I did not request a new offer, I requested that Chase honor the original promotional offer which I was led to believe I was signing up for. 

I am very disappointed in Chase, I have a XXXX XXXX card with them which I have had for over 5 years and I am upset that they did not honor the offer I signed up for which expired on XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In late XX/XX/XXXX 2014 I had an incident where someone used my account for fraudulent purposes. A fake check was deposited into an account that I was a joint owner and withdrawn using a fake credit card at a local ATM. I immediately reported this incident on the day that it occurred to the local sheriff 's office. The sheriff 's office directed me to the city police since the incident occurred within the city limits. The matter was investigated and camera footage from the ATM and the bank was obtained. Those involved in this incident were not able to be found. A representative for BB & T by the name of XXXX contacted me and threatened to file charges against me! I was forced to pay BB & T the money even though I had nothing to do with the incident and filed the police report. I was the victim of fraud however the money was debited from my account and I had to pay the remainder of what was stolen from me by using my credit card. This was done with the assistance of XXXX XXXX at my local branch. XXXX made multiple phone calls to me and was very aggressive and abusive in her conversations to me. After paying all of what I was ordered to pay to the bank ( including insufficient funds fees due to an overdrawn account ) my accounts with BB & T were closed and my name has been flagged in their system as a customer who is never able to do any business with them again. This practice is not fair to me nor does it seem legal. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). These actions violate this statute.

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 2019-03-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a form letter from Citi Bank by XXXX delivery, dated XX/XX/2019. I received this letter mid XXXX. The letter, I hope I can attach for you, states I must respond to the demand on the letter before XXXXXXXX XXXX,2019 or my accounts could or would be blocked or closed. I went into my local branch, which is Citibank XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
I made appointment with him for XX/XX/2019. He told me they would need a copy of my trust as this was required for a trust name on account. 
I asked at the appointed date and time what this was all about and he said it was new Federal mandates or laws. I have not heard of any new federal laws, nor has another bank I have, asked for this type of information from me. he said they were looking for money laundering etc. Not sure what that has to do with my small bank account as I only keep low amount of money in this checking. He did ask me how much money I had in the account. He has that information at his fingertips. 
He took my trust and made copies of several pages of my trust and then wanted my drivers license to make a copy of it also. He then wanted to know the name of the law firm that drew up my trust. I gave him the name and he googled it for their phone number. I told the XXXX this seemed like a complete invasion of my rights and privacy and he agreed it was but that was all. Then he made a call to someone and said he had to go to back room to get a email from some office. He came back to me and said they required more questions answered and I became alarmed. 
He asked what my income was and I said thats none of your business and that was all the questions I was answering. I felt like a criminal as he was treating me like a police officer would question a criminal. I got up to leave and he said your accounts will or could be frozen and if I had auto pay pulls, those would not be filled.

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 2019-03-02
Company: CNG 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: Account information incorrect

Complaint:
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and XXXX and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/ 2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Nationwide Recovery Systems, Ltd
State: MD
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:
Nation Wide Recovery Sy, has reported damaging information about my credit to XXXX Credit Report Agency, for the second time, with the intention to damage my credit history, and my credit score. I've already disputed them twice. In conclusion, I've contacted and spoken to XXXX XXXX XXXX XXXX, XXXX, and to XXXX XXXX XXXX XXXXXXXX, Washington , D.C., and they both stated to me, that my medical insurance paid them in full, starting in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Remove old adresses and personal information

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 2022-10-04
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:
Barclays stole {$5100.00} from my checking account using ACH! 
Barclays autopay withdrew {$5100.00} on XXXX and again on XXXX, double the amount I owe. 
I called XXXX at XXXX and they tell me it is aware of the problem but can't tell me when I'll get my money back or when this problem will be fixed!!! 
Now my checking account is about to bounce! XXXX say there is NOTHING THEY CAN DO!!!! 
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 2021-11-04
Company: Experian Information Solutions 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:
please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
XXXX XXXX  ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.

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 2021-09-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold two tickets for {$500.00} to a Venmo user for an event on XX/XX/21. The user attended the event and then disputed the payment on XX/XX/21 to also take their money back. I was not notified until Venmo defaulted judgement against me on XX/XX/21 and took money from my account. All that was there was {$20.00}, but they are attempting to collect the {$500.00} from me, and have placed my account on hold. I have reached out with emails disputing the dispute on XX/XX/21, XX/XX/21, and today, XX/XX/21. All attempts to reverse this fraudulent dispute have gone unanswered. I have also reached out to their web chat on XX/XX/21, but was told there was nothing they could do, and it needs to go through their dispute email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by LoanCare and from the beginning it has been an absolute nightmare. Our monthly payment should have been around {$1800.00} however our first payment and every one thereafter for 3 years was {$1700.00} according to the statements they sent us. I inquired about it and was told that was the correct amount due, {$1700.00}. SO that is what we paid, every month, on time for 3 years. Now all of a sudden our payment has jumped to over {$2000.00} because they realized they were not charging us PMI as they should have been all of this time. We have continued to pay our {$1700.00} because we were not notified of the change. Now our loan is in default and we are getting warning letters. I do not feel that because loancare screwed up for 3 years that is now our fault. I do n't mind paying the new payment amount of {$1800.00} going forward but I should not be responsible for their error for the past 3 years and be made to catch up immediately. Futhermore, they are no longer posting our payments. I made my XX/XX/XXXX payment and it cleared my checking account, they cashed the check but they will not apply it to the loan! Now my credit is affected poorly. A quick XXXX search of loancare will provide you with numerous other customers in my same situation.

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 2018-10-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX/XXXX, LA CHILD SUPPORT ENF with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.

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