BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a lease through XXXX XXXX of XXXX Ma in XX/XX/2017. I was only there because I had purchased a XXXX with XXXX XXXX XXXX the week before and had such a great experience. I only worked with the finance manager, XXXX during this transaction. I paid aprx {$1400.00} the day I picked up the truck. I was under the impression that covered XXXX and XXXX 's payment, same as the XXXX dealership. When I hadn't heard anything, I called in to customer service XX/XX/XXXX, and spoke to a really nice rep who stated my account was due on the XXXX of every month and if I didn't make a payment by today I would be 30 days past due. I was in shock AS I WAS IN THE PROCESS OF OBTAINING A MORTGAGE AND COULDN'T HAVE A 30 DAY LATE PAY or I could lose the mortgage down payment, etc. I went home and paid through the automated phone system as I didn't have a check on me at the time. I entered and re-entered both my account and routing number TWICE. Later on, I received an email stating the account was paid with a confirmation number. The following Monday was XXXX and since this was the first time making a payment with GM Financial I wasn't sure how long it would take to post, especially with the holiday. As of Friday it still wasn't taken out of my checking account so I called. They were closed. I called again Monday. At this point the online system stated that they were closed until further notice for system updates. I couldn't log into my account online and I couldn't get through to a human being until XX/XX/XXXX. At this point, I had contacted the dealership, XXXX, and asked what to do. I then received a notification from my credit monitoring services that GM had reported my account 30 days late and my credit went down 60 POINTS MAKING ME NOT QUALIFY FOR MY MORTGAGE. I was appalled. I couldn't speak to anyone, no one would return my calls and I was in the process of losing XXXX and my first home. 

Since this, no one has helped me. I've contemplated getting a lawyer but the fees are hefty and I'm trying to get back on my feet and buy a home as I had to take out a loan to do so. I've had several conversations with the manager of the dealership I was working with and no help. I've sent certified letters to the President and to other Leadership members of GM Financial with no help. Please help me. This is totally unfair and I would never have purchased this truck knowing how awful they treat their customers. Not to mention, the truck had to go into the shop for a fuel emissions issue and I was without the vehicle. IT IS BRAND NEW. 

Keep in mind- they are stating that I entered my account information incorrectly. Which is not true as I entered it twice repeatedly through their system. I feel as though they are trying to make money off of me. They also increased my loan amount by {$12000.00} ( shown below from my credit file )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX continues to report a paid off car loan on my credit report as late. I've tried to dispute the transaction thru the credit bureaus and directly with the company but to no avail. The car loan was opened XX/XX/XXXX and paid off in XX/XX/XXXX. The loan was included in my bankruptcy but I kept the car and continued to make payments until I paid it off. I was never late on this loan and it's still reporting as such.

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 2021-07-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
SYNCHORONY BANK XXXX XXXX XXXX XXXX FL XXXX THIS BANK OWNS OR MANAGES 11 OF MY ACCOUNTS WHICH ARE : LOEWS ACCT ENDING XXXX TJMAX ACCT ENDING XXXX BELK ACCT ENDING XXXX CARE CREDIT ACCT ENDING XXXX JC PENNY ACCT ENDING XXXX ROOMS TO GO ACCT ENDING XXXX DISCOUNT TIRE ACCT ENDING XXXX MOHAWK ACCT ENDING XXXX P.C. RICHARDS ACCT ENDING XXXX XXXX ACCT ENDING XXXX PAYPAL CREDIT ACCT ENDING XXXX ON XXXX SYNCHRONY BANK SENT ME A LETTER STATTING THAT ( ACTIVITY ON MY ACCOUNTS WITH SYNCHRONY BANK INDICATIVE OF HIGH RISK OF FAILURE TO PAY. ). 

I WAS OUTRAGED AT THIS FALSE AND DISCRIMINATIVE STATEMENT. IN MY YEARS OF MAINTANING ALL THESE ACCOUNT NEVER WERE A LATE PAYMENT AND 4 OUT OF THE 11 ACCOUNTS ARE PAID IN FULL. 

I ALWAYS PAID MORE THAN THE MINIMUM PAYMENT ON ALL ACCOUNTS. MY CREDIT LIMITS WAS IN THE THOUSANDS AND I NEVER USED ITS FULL POTENTIAL. 

THESE CLOSURES HAVE CREATED A DEVASTATING EFFECT ON MY CREDIT FILE. THIS IS A OUTRAGE AND WRONG IN TAKING THIS ACTION AGAINST ME. I ASK YOUR DEPARTMENT TO FULLY INVESTIGATE THEIR PRACTICES HERE AND YOU WILL SEE HOW I NEVER SHOULDVE HAD THIS HAPPEN TO ME. 

I CAN PROVIDE ALL DOCUMENTATION REFLECTING PERFECT USE OF ALL MY 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 2018-07-06
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have sent several requests to get my payments lowered and have been denied. They want me to pay XXXX a month and I only bring home XXXX every 2 weeks with XXXX children to take care of. So now I have to get back into college, take up more debt, because I cant afford these payments and it is stressing me out with every email that they send. I call on the phone and they just refer me back to the forms online. Then I didnt quality for the military discount because my loans are consolidated. But I completed the consolidation to have 1 low payment. So that means XXXX provided me with false information and I could have benefited from the military discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Credit Management Control, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. Credit Management Cntrl XXXX { {$770.00} } i even reached out the the data miners at XXXX as well after the company, I also havent recieved apiece of mail to state the truth or why it wont remove. Theres no wet signiture on me and its been in collection without replying with the reason why after i stated this doesnt belong to me that it is reporting. PLEASE REMOVE IMMIDEATLY IF THE PROOF IS NOT SENT IN MAIL IN THE NEXT 15 DAYS ITS WELL OVER 120 PLUS DAYS. i WILL SEEK THE MAX PENALTIES NEXT IF MY FCRA CONTINUES TO BE VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: CA
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: Problem with product or service terms changing

Complaint:
I have been trying to access my equifax account to file a dispute for months and have not been able to log back into my account. No matter what I do it continuously tells me my account is not accessible and i have to try again later, quote : " We are temporarily unable to complete this request. 
Please try again later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The List of Urgent Disputing Items are as follow ( in the order of listed on my credit file with Equifax ). Please remove the following item as soon as possible entirely.Because I never authorized these inquiries. 
1.XXXX XXXX XXXX Inquiry : XX/XX/2018 Credit Unions  ( XXXX ) XXXX 2.XXXX XXXX   Inquiry : XX/XX/2018 Credit Unions ( XXXX ) XXXX 3.XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018All Banks Contact the inquirer : MAIL ONLY 4.XXXX XXXX Inquiry : XXXX. XXXX, XXXX National Credit Card Cos. Contact the inquirer : MAIL ONLY 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 All Banks ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I've already contacted cpfb once over fifth third bank letting someone steal. My money they switched the addresses on my account while I was XXXX for 2 years they sent a reply to y'all said time frame is why they can't refund my XXXX XXXX first off I know that's illegal because I was not notified due to their negligence and letting someone change address to ones I don't know and steal XXXX XXXX from me and I wasnXXXX XXXX  two years I had no knowledge and then when I get out I've called and got around I sent proof where the bank let.them.change it XX/XX/XXXX I was XXXX on XX/XX/XXXX awaiting extradition for XXXX XXXXime in VA I could not have known or took money out they are at fault

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/XXXX XXXX pm capitol one venture card representative after holding for an hour i was able to speak to XXXX XXXX whom seem to get upset when i mentioned i had been on hold for and hour and wanted to get my issue resolved quickly. instead she placed me on hold and then looped my call so i had to start the process over again. i feel this was done due to my last name being XXXX. 2 hours later still no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The account below was deleted in XXXX and readded to my credit report in XXXX. I have attached when it was deleted and my fraud form I got from the bank. 


XXXX XXXXXXXX XXXX {$4100.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 filled a complain several weeks ago against Bank of America. however, the person in charge of the case Mrs. XXXX XXXX did referred the case to an attorney who sent me a letter misleading completely the nature of the complain. I sent an email to that attorney asking questions and never got a response ; I also called Mrs. XXXX who never answered my calls either. 
Below is the information to follow up this case, Thank you very much for your help, XXXX XXXX XXXX XXXX, consumer specialist. case # XXXX CFPB case # XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Email 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 2021-07-07
Company: EQUIFAX, INC.
State: WA
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:
Equifax is continuing to violate me as a federally protected consumer by not following my demand to remove the stated inquiries I've instructed them to remove, based on the Fair Credit Reporting Act. 

By not complying with my demand to remove the mentioned items IMMEDIATELY, they are continuing to violate the FCRA, 15 USC 1681a ( 2 ) ( B ) which is the exclusion section of the FCRA, which explains what a consumer report does NOT include.

Section B of the exclusion section states that, any authorization or approval of a specific extension of CREDIT directly or indirectly by the issuer of a CREDIT CARD or similar device which means that the mentioned inquiries I am demanding to be removed are under that category, therefore I am demanding they be removed IMMEDIATELY. This is federal law, not opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: WA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today, Thursday XX/XX/2018 someone stole {$1.00} from my account, more would have been stolen had there been more money in account. Tomorrow is payday so I am concerned. Citibank is currently my banking institution. This is the second time in three months that Citibank allowed a fraudulent transaction to take place. I live 60 plus miles from where the fraud transactions were authorized. I havent been to the city where they occured in a very long time, almost a year or more. XXXX XXXX is who atole my money, via Citibanks approval for the transaction. I have researched XXXX XXXX and there are several websites reporting their fraudulent activity. If Citibank wishes to become a reputable bank then maybe they should be up to date with who has more fraud reports and denying the transaction immediately! 
Twice in the last two years, I have tried to access my money via my debit card and Citibank froze my transaction. The embarrasment snd stress I felt while trying to complete my transactions. Kudos to the fraud team at the time for trying to protect me, from me. Yet now its a stranger who is authorized to use my funds and I am punished. My payday is tomorrow, I need to have access to my money. A temporary card was offered but yet the bank does not open until XXXX XXXX. What if I needed to access my money at XXXX? I sm screwed because of XXXX policies. Allow the thief to steal her money, yet agsin and punish the single mother of a XXXX XXXX child who barely lives paycheck to paycheck. 
Citibank refused to refund my XXXX today, stating they have to investigate. I want the bank to held accountable for this incident just as much as XXXX XXXX should be. 
In XX/XX/2018, my sons account was also affected. He has an acct for his Social security XXXX. Two transactions were allowed totaling {$150.00} for a gas station in XXXX, while I sat bedside for my son at a hospital in XXXX, CA. It takes more time to receive my new debit card and to have the funds returned cs authorizing the theifs to steal my money. Citibank should be investigated, fraud dept needs makor improvement and tjis needs to stop. I do my best to protect my purchases i.e. entering pin number and I dont appreciate being used as a pawn in their partnership, banker and theif vs financially struggling parent. 
I have contacted both parties, Citibank refused to refund my money today and they refused to overnight a new debit card.

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 2021-07-07
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
After receiving a monthly statement in XX/XX/2021 with charges I did not make, and could not find my credit card, I immediately notified creditor. The card was canceled and I was sent a new card. I went over all charges with creditor and all charges were removed. I then returned the 3 items I did purchase, leaving a credit balance. When I received my next statement, all of the unauthorized charges were back on my statement. I called several times to dispute the charges and request the amount they now owed me. Not only are they refusing to correct my account, they have reported me 30 and 60 days late. My credit score has dropped over 100 points. I disputed with XXXX  3 times only to be told that the creditor states their information is correct. So no change to the credit report. On XX/XX/XXXX I will be reported 90 days late when they owe me over {$500.00}. I am a XXXX year old XXXX veteran and always pay my bills on time. I hope you can help me. 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 2020-11-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to use my credit card only to find out that they had close my account without even contacting me. Because it has been several months that I used the card they took it upon themselves to close the account. Also this company has bad practice in notifying you before hand of any of their sneaky bad practice when it comes to notifying before hand when they are about to make changes to your account.. If your credit score drop they lower your limit and it does not matter, if you paying your bill on time. They have a bad practice and everyone of my cards that I have with them the lowered my limit. Example I can have a credit limit at {$750.00} they lowered all away to {$100.00} : when I started out with a {$300.00} limit and it was increased to {$750.00} for one card, {$650.00} for another and then {$500.00} for another. The fourth card I had the store closed and reopened, but your card is no longer valid. I'm so done with this practice of this particular bank who have multi cards with different stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: AES/PHEAA
State: TX
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 see several 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates calls me every month or so asking if there is a XXXX XXXX ( This is not my name ) the latest number is from XXXX. The first time i received a call more than 6 years ago, the name happened to be my grandfathers. i told them this but it was clear very soon that because of the DOB and SSN it was not him OR ME. i go through this whole conversation every month with them. They tell me my name willl be taken off, then i get a call in a month or so!. i have called the number back the last few times and the same person picks up! VERY FRUSTRATING!!!

Company response to consumer: Closed with non-monetary relief