BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Since becoming pregnant in XXXX and the pandemic I have been struggling to pay my car note. I called in XXXX of XXXX to advise that I would be having issues paying my bill and wanted to see if there was any assistance available. I was placed in the Covid protection program. At the end of each I would make my payment if I could.

After living off of my savings for 2 years, I have no money. I called credit acceptance to see if there was anything more that could be done so I could keep my vehicle and my credit not be impacted due to the global pandemic. They would advise for me to just make payments that I can afford to pay, they reassured me that I would stay under covid protection. In the mist of not qualifying for unemployment benefits and not being able to find a job that paid enough to allow me to send my newborn to daycare, I missed XXXX payments. 

I called credit acceptance in XX/XX/XXXX to explain what was happening and why I missed the XXXX payments and begged them to keep me on covid protection. Even though prior to XXXX, I was not late or missing a payment, they refused to put me back on covid protection. I am in a single-mother group that shares helpful information with each other and XXXX of the mothers told me that the same thing happened to her and she was able to get back on the program and her credit was not affected. 

Since not being placed on the XXXX XXXX XXXX, I have still been making payments when I can, but my credit has been hit extremely hard, so much so that I can't get approved for an apartment for me and my daughter. 

My XXXX XXXX was XXXX, and because of covid and credit acceptance, my score is barely at XXXX. I really need help, I'm not deep enough in debt to be able to file for bankruptcy, credit acceptance is what is hurting me the most. 

Currently, my daughter and I are living in our car since I can't get approval for an apartment that is in a safe neighbor for us both.

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 2022-09-30
Company: EQUIFAX, INC.
State: LA
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 is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: I.C. System, Inc.
State: NY
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:
I.C.Systen, Inc has violated my privacy rights with aggravated identity theft by reporting NEGATIVE information about me to third-party consumer reporting agencies without my consent. This is considered harassment and per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. 

Each violation applied : {$8000.00} due for each violation. 

VIOLATIONS : - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1693I I am seeking {$8000.00} in damages due to the MULTIPLE violations that you have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, I.C. System, Inc has violated me with aggravated identity theft. 
I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. I.C. System, Inc must disclose my right to opt out and has committed fraud, which has no statute of limitations

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted the company regarding their violations of my consumer rights by furnishing information that is not allowed by law, in accordance with the FCRA. There are accounts listed on my consumer file for XXXX  XXXX XXXX XXXX that I have disputed with the company on more than one occasion, requesting physical verification and validation of this alleged debt. I still have not received any physical verification, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never ever gave and consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), late payments are to be excluded from a consumer report. There are late payments showing on XXXX XXXX and XXXX XXXX XXXX, that the company refused to remove.

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 2022-12-28
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: Old information reappears or never goes away

Complaint:
To Whom It May Concern : This account was settled in court with terms attached. That this account once settled should be dismissed and deleted from my credit report. I sent letters to credit bureaus with no correspondence. I need help with this situation. Proof is below with documents and judgements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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:
Hi, to whomever this may concern, XXXX has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. XXXX isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.

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 2022-08-03
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 i received a box of XXXX  delivered from XXXX.Did'nt order them, so i callen XXXX to ask why i received them? I was told it was part of an order placed online and the rest of the order would be comming from the seller.It... they said was an adjustable camping cot with mattress and the total charge placed on my Barclays cc was XXXX XXXX I told XXXX i never ordered anything from them and stopped the order. I also called Barclay 's and filed a disputed fraudulent charge with them. Two months later on XX/XX/2022 i received a reversal from Barclay 's putting the charge on my credit card.The e-mail addy usedXXXX is not and never was an e-mail that i ever used.I nor my wife ever placed an order for this at XXXX Other than the XXXX we never received anything else from XXXX I brought this fraud to XXXX and Barclay 's XXXX. and stopped the transaction before it was finalized.I have tried so many times to resolve this with them that they ( WalmartXXXX XXXX XXXX will no longer take my calls! Post office says tracking # was a 1st class 16 oz or less pkg delivered which i never received.

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 2022-08-24
Company: DriveTime
State: AZ
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:
My identity was stolen and multiple loan and credit card applications were filled out, these companies then ran a credit check witch went agianst me as inquiries on my credit report and I would like them removed. The companies are XXXX  XXXX banking from XX/XX/2022 - DT credit from XX/XX/2022 - XXXX  XXXX from XX/XX/2022. I contacted the companies and they confirmed the inquiries and informed me I had to file a report with the FTC as I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
Hi, to whomever this may concern, XXXX has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. XXXX isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My parents were victims of identity theft and their Bank of America checking account was hacked. Individuals used their information to write to a fake check for {$2000.00} and used their debit card to make additional unauthorized purchases for different amounts of {$270.00}, {$8.00}, {$390.00}, and {$3.00}. We have repeatedly reached out to Bank of America fraud department and rerouted across the debit department, the check department, and the general fraud department. We've tried to place a freeze on the account, but each time we are told there is a freeze, when we reach out again over phone, a representative informs us that there is no freeze. Furthermore, there have been credit cards that are being issued in this account even though we did not apply for them. We've been trying to resolve the issue so that we can recover the money lost via the fraud and to close the account to avoid future issues, but have been struggling to the account issues fixed.

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 2022-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open an account online and they froze my account then they unlocked it then I deposited more money and then I ordered a debit card and then I tried to use the debit card and it was declined now they want me to identify myself

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
One main Financial has denied me a loan base on my XXXX situation. A previous loan was approved wi the same XXXX income and documentation. A new application denial base on underwriting stated that they are unable to confirm the income. Same income was use for the account that is open. I try to summit all the documents that stated the dates of my continue XXXX status, bank statement that proves the deposit of the income and doctors notes. This is a XXXX discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a XXXX XXXX XXXX XXXX XXXX, they posed as this regulated company and ended up scamming me out of XXXX USD. JPMorgan Chase Bank was the institutions from which i sent my money to the Fraudsters, Chase bank did not at one point warn me against them nor even respond to my complaints, they are completely ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My claim XXXX XXXX XXXX BOA= BANK OF AMERICA XXXX XXXX XXXX XXXX MY COMPLAINT AGAINST BANK OF AMERICA I filed a claim regarding a XXXX transfer done on XX/XX/2021 and XX/XX/2021. 


I did not approve the XXXX transfer ; I called to file a claim less than 5 business days as soon as I noticed it. 

I explained to the representative that the BOA bank mobile app would automatically sign in to the BOA app ; I never authorized the app to do that. 

INCIDENT : I explained to the representative that my cell phone does not have a lock and that my XXXX XXXX XXXX son uses my cell phone to watch videos. I explained to the representative that my son leaves my cell phone unattended while we are in the playground, eating, grocery shopping etc. I filed a pollice report. 


I HAVE ALREADY SENT BOA THE DOCUMENTS/ SCREENSHOTS OF THE BOA APP AUTOMATICALLY LOGGING INTO THE APP. THE BANK OF AMERICA APP SAVED MY PASSWORD. ( THE APP HAS THE AUTHORITY TO CHANGE THE PERMISSIONS ON MY CELL PHONE ) THE BOA REPRESENTATIVE SENT ME DOCUMENTS USED TO DENY MY CLAIM. THE DOCUMENTS SHE SENT ME ACTUALLY PROVE MY CELL PHONE MUST HAVE BEEN HACKED, BECAUSE THE IP ADDRESS SHOWN DON'T MAKE SENSE.

EXAMPLE : THE IP ADDRESSES SHOW A CITY AND STATE AND 30 MINUTES LATER THEY SHOW A DIFFERENT CITY AND STATE THAT ARE ABOUT 2 HOURS AWAY FROM EACHOTHER.

THIS DOESN'T MAKE SENSE.

I JUST WANT BOA TO PLEASE GIVE ME BACK MY MONEY.

1. ) I WILL PROVIDE A COPY OF THE POLICE REPORT I FILED REGARDING THE FRAUD 2. ) I WILL ATTACH A SCREENSHOT OF EMAILS I RECEIVED FROM SCAMMERS 3. ) PHISHING EMAILS EXIST 4. ) I WILL PROVIDE A DOCUMENT FROM HOPE OF THE VALLEY ( FAMILY SHELTER ) THAT PROVES I WAS HOMELESS 5. ) MONEY GOT STOLEN/ TRANSFERRED VIA XXXX WITHOUT MY PERMISSION, CONSENT, AND KNOWLEDGE 6. ) DURING THE TIME MY MONEY GOT STOLEN I HAD BEEN APPLYING FOR APARTMENTS ONLINE AND IN PERSON. -- > THE RENTAL APPLICATIONS REQUIRED ME TO PUT IN MY PERSONAL INFORMATION -- -> NAME, CELL, SOCIAL SECURITY ACCOUNT, EMAIL ADDRESS ETC. 
7. ) I WILL PROVIDE A SCREENSHOT FROM MY CELL PHONE STATING A " VULNERABILTY " HAD BEEN DETECTED 8. ) I FILLED TWO POLICE REPORTS ONE OF THEM WAS THROUGH THE IC3 WEBSITE AND THE OTHER WAS THROUGHT THE XXXX XXXX XXXX POLICE DEPARTMENT 9 ) I WILL UPLOAD A PICTURE OF AN AFFADAVIT I WROTE REGARDING MY CELL PHONE BEING UNATTENDED BY ME AND MY CELL PHONE BEINBG LOCKECX

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 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XX/XX/XXXX, I placed a stop payment order on a check on the same day it was written from my Bank of America Account. 

I canceled a {$750.00} order ( prior to delivery and service ) and after alerting the service provide that I was canceling, I also placed a stop payment on the check ( just in case ). 

Bank of America charged a {$30.00} stop payment fee, and the check did not go through. 

A {$200.00} dollar check that was authorized for the same merchant did go through - this was the correct action. 

9 days later on XX/XX/XXXX, I saw a transaction for {$750.00} on my Bank of America account. 
I called the fraud department and alerted them to the unauthorized charge, and they informed me it was authorized by Bank of America. I was unable to report it as suspicious activity and was told I would have to call another department.

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 monetary relief
Consumer complaint received 2022-12-07
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We have always had a GM rewards card, but recently it was changed to Marcus as the administrator. At that time we weren't really using the card very frequently due to not needing the rewards as much. We had received a bill for a small amount, {$8.00}. Not sure what it was but found out it was some sort of recurring charge from XXXX so I contacted XXXX and stopped that and then paid the card balance of what I thought was XXXX. There must have been an additional XXXX of interest from the last statement that I was not aware of. When I made that payment, I was under the impression I was paying the balance in full and we did not have any plans on using the card anymore. No more paper statements or emails from them until XX/XX/XXXX, which at that time says I have a balance of {$36.00}. These are all charges from that XXXX. I called in XXXX and they told me they would look into waiving these. Never heard back and continued to get emails and notice that my account had been closed so called back to check on status. Did not seem that anything had been done from the previous call. XXXX explained that I had switched to e-statements which I checked old emails and spam and couldn't not find any emails. She started another dispute and received this email from them. 
Hi XXXX, We've received your feedback about the GM Card. 
Goldman Sachs Bank USA investigated your statement dispute. You contacted us on XX/XX/2022 because you had not received the XXXX to XXXX statements for your G.M Card. As per our records, you provided E-sign consent on XX/XX/2022 and as per the terms and conditions of this consent, all legally required documents including statements are delivered to you electronically and available at https : //www.marcus.com/us/en/documents. On XX/XX/2022, XX/XX/2022 XXXX, XXXX email were sent to you stating that the XXXX to XXXX statements respectively were available. At this time, we are not able to waive any interest and late fee charges. At the time of this statement your delivery preference was electronic, you can change your preference anytime at Marcus.com in your account profile. You can view your monthly balance, minimum payment due, and payment due date on your most recent statement and available on Marcus.com. 
We appreciate you reaching out about the GM Card. 
If you have further questions, please contact a GM Card Specialist at XXXX. 

I just paid the balance because I do not want this to impact my credit for XXXX cents, which I think it XXXX have already though. Had I received a statement showing the balance the next month, I'm sure I would've called and they would have taken care of it. I also have never chosen to have electronic statements for any statements I have so if this was opted in, I think it was probably because the website directed you to choose that and was slightly misleading because I would not willingly choose for e-statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: Aqua Finance, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First contacted the company three months prior to this filing. We were told the information needed to catch up to the credit reporting bureau. After time, and monthly payments made on time, since opening the account it still shows we are not paying and behind on this account.. This is hurting our credit score for something that is being paid on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have tried for years to fix this issue with XXXX. I just received a letter stating they do not have an account for my as they moved my file to XXXX when they allowed me to become a identity victim. Also when I went to logg into my XXXX account they locked it to say my password was wrong. Now I can't contact them unless I go through a 3 hours integration. 
They can't allow a medical debt under {$500.00} to be applied to me credit without verification this account belongs to me as they don't know my current address as this is an issue as well. 
What ans why are thy allowed to continued to.lie as we the consume suffer these abuses.

I know there were penal codes to Sue for this however they have since been removed from publication online. 
I need this information removed off my credit.

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