BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account Number : 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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-04
Company: Maximus Education, LLC dba Aidvantage
State: MN
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 tried on 3 separate occasions to get a 2 90 day late reporting removed from my credit. I was in a forbearance program and admired to the hospital during one of the renewals. It was a system error that showed my account in default of 90 for the month of XXXX for 2 years in a row. This has caused me horrible problems in accessing new lines of credit during a critical time of my life. I have documents to prove I was keeping in contact to the best of my ability with the exception of when I was in the hospital and not checking email. I was very sick. Despite me 3 attempts for them to remove my 90 day late status it went unresolved. Now the company has gone out of business and I dont know if I will ever be able to remove this false and inaccurate information because that company reported in error there were many people with the same complaints so I hope you get multiple people to respond about unfair credit reporting practices that need to be regulated. They sent me documents saying my loan was approved for deferral status and then in XXXX of two different years hit my credit with a 90 late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear CFPB facilitis, I opened a TD bank savings account online on XX/XX/2021. I checked my savings account bank statements through mobile app 2 days ago, and I found out that they have been charging me {$1800.00} excess withdrawal fees until now. I just lost my job 2 weeks ago, and I need this money back for me to pay my rent and I'm in the stress to look for a new job during this pandemic time. I just hope CFPB can help me to get the refund back and I am aware of the regulation D regarding to the 6 times limits of the monthly withdrawals now. 

Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Without notice, and a perfect payment record, Synchrony bank closed all the accounts that were in good standing. Including Paypal Credit, XXXX  Mastercard, Amazon Prime, HSN, Old Navy. I have never missed a payment, worked hard to make more than the minimum payments, and kept the balances low. My bank can provide proff of on time and ample payments. I have increased my use of the cards in the past 6 weeks, due to needing things for a new home, but never exceeded my limit, and again, I made on time, more than minumum payments. I tried to question Synchrony, and they had no answer. 

Its a shame that hard working credit worthy people who work hard to pay their bills, get treated this way.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I checked my credit report and saw XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX. In the amount of {$460.00}. This is due to fraud as I was XXXX. As they can see from account opening there was never any activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The balance owed is showing additional money since signing. Instead of XXXX it now reads XXXX on XXXX. The interest rate and balance owed are wrong. This XXXX XXXX, XXXX XXXX XXXX GM Financial is all a big scam.The {$2500.00} in addition is fraud. There IS NO cilajet on the car & the theft deter extra {$990.00} was already listed on the sticker price. It's them Hiding money to make it look legit. I should have a balance of {$14000.00} @ 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX  ( XXXX ) ( the Company ), with the design, development, manufacture, promotion, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a the predetermined cycle of client losses to gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-20
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
MEDICAL DATA SYSTEMS XXXX  Opened XXXX XXXX XXXX Balance {$320.00}

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 2022-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XXXX Bank of America told me I was approved for a XXXX XXXX XXXX loan with forgiveness. Every month up to XX/XX/XXXX I was sent emails that my loan was being reviewed by the XXXX and I would be notified when a decision was made, which was not true. In XX/XX/XXXX I was notified by Bank of America that there was some type of system error and I needed to redo my forgiveness application and put XXXX on it so it could be rejected by the XXXX and Bank of America would resubmit the corrected forgiveness application, ALL OF THAT WAS NOT TRUE!! Now fast forward to XX/XX/XXXX, I was called by a Bank of America XXXX and he indicated that the Bank of America XXXX XXXX from XXXX was mistaken and I needed to pay the loan back. In the beginning the Bank of America XXXX XXXX told me that I was NOT approved for the loan ( which was okay with me ) but then he called me back and said the XXXX decided to approve the loan and it would be forgiven. The Bank XXXX also admitted that Bank of America made several mistakes which were not of my doing. My response to him was if he misrepresented the bank, TAKE RESPONSIBILITY! 
I then called the XXXX and was told that Bank of America never entered my forgiveness application on the XXXX XXXX and instead, they entered it on their ( Bank of America ) XXXX, so they couldn't help me. The XXXX XXXX filed a complaint on my behalf with XXXX XXXX Bank of America 's client practices and gave me CFPB information and told me to file. 
As of XX/XX/XXXX I have gotten the run runaround, and misinformation from monthly emails and XXXX Bank of America staff members ( and still counting ). On XX/XX/XXXX after writing several email 's and letters the Bank XXXX that I had spoken with prior called. He told me he would call me back the next day with some help. I am still waiting!! 
This Bank has caused me an extremely amount of stress!!! Business was hard in XXXX due to the pandemic and it's even harder today and now threatening me with paying back a loan that should have never received is WRONG. I had to sell my business and reinvent myself. Bank of America has turned my life upside down. If you are a XXXX XXXX XXXX XXXX XXXX, this bank of not for 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 2023-10-13
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  is reporting a late payment after I paid my account in full. According to the FCRA information has to be accurate and correct and if anything is not accurate it has to be removed. 

Account name XXXX XXXX  Account number XXXX Account type XXXX XXXX Responsibility Individual Date opened XX/XX/XXXX Status Open. {$9.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$15000.00} Highest balance {$15000.00} Terms The statement attached shows that according to the statement the account was not past due.

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 2021-12-10
Company: Ark-La-Tex Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The end of XXXX, 2021 I got XXXX and had to miss work. I contacted the company at some point and explained to them that I was going to have an issue getting my mortgage for the month paid and asked if there was something we could do so that I would not get behind, ( such as apply the payments to the end of the mortgage ) I was told that they had something that could help me, and forwarded me to another department. When talking to this lady, she asked questions and I was feeling confident that we could get this worked out, and she told me that because I didn't lose my job I wouldn't qualify. I didn't have vacation or sick days, so I wasn't paid while I was out sick. I sold items to get the money to get caught up. my payments are due on the XXXX of each month, and I only get paid once a month on the XXXX. I was told that as long as the payments were paid by the XXXX of each month I would be good. Most of the time my pay checks are in my account by then and I can get it paid. I contacted the company after my first late fee and discussed getting it taken off and was told that because I was not caught up they couldn't take it off. I have contacted Benchmark on many occasions trying to avoid messing with my credit. I am a veteran, I am doing my best to get caught up. Being in the hospital and trying to recover and pay what bills I can. I realize that yes, I did pay late, but I called and tried to stop the negative remarks on my credit. I have worked hard to keep my cred it decent and the negative report of my being late twice is impacting my credit score. the loan is Benchmark, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, Ally Financial # XXXX, XXXX, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.

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 2021-12-10
Company: LEXISNEXIS
State: NY
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 XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to temporarily unfreeze my credit report with Equifax. It was very easy to do so with XXXX  and XXXX, but Equifax is not working, and there is no way to contact them. I spent about 30 minutes on the phone, but I could not speak to an operator, their automated phone system will not let you speak to an operator, ... it acknowledged that I wanted to speak to an operator, but made me answer alot of questions first ... then at the end of answering all the questions it said it was unable to connect me to an operator at this time. I followed all of their instructions to speak to an operator -- their system made me enter my phone number, SSN, address, then after that, it made me answer 5 questions about my credit report, which I think I answered correctly. There is absolutely no way for me to speak to anyone. And their website tells me to call them. They have made it literally impossible for me to manage my account or lift my credit freeze. This is a terrible company, absolutely horrible. Apparently I can unfreeze my credit by mailing in a form, so I'm going to try that, but this will take an unknown amount of time, and this is unacceptable since interest rates may change etc. I don't even know if they'll even respond to my mailed-in form. It could take 30 or 60 days or even longer for all I know. And I'm going to permanently unfreeze it, because I know I can't ever temporarily unfreeze it in the future, so they're indirectly making it impossible for me to have a freeze on my account! By the way, I used a PIN in 2019 to temporarily unfreeze my credit report, but now they don't accept the PINs anymore, yet I can't create a new account with their website either! This company is a huge disservice and failure to the public, and to the entire banking industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: IL
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : 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 2019-12-11
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an Apple Card issued by Goldman Sachs. On Friday XX/XX/2019 I disputed a transaction that was pending from XXXX. I did not approve this transaction, and XXXX couldn't give me any information on the order. Immediately after I disputed the transaction my card was restricted. meaning I can not use the card. When asked about this restriction I was told that it is restricted, no further information is available ' and i'll have to wait for a phone call and they don't know when it will occur. 

It is now 2 weeks later on XX/XX/2019 and the account is still restricted with no end in sight. Customer service is still unable to assist in any way. 

Additionally, they refuse to close the account despite repeated requests.

Company response to consumer: Closed with explanation