BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: SYNCHRONY FINANCIAL
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:
ve Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX SYNCB/XXXX Account XXXX Company Name : Synchrony Bank XXXX XXXX, XXXX. 
Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX Cred.Ai In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-08-17
Company: TD BANK US HOLDING COMPANY
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I have a combination debit/credit card issued by my financial institution, TD bank where I have XXXX accounts since XXXX. 
During the entire month of XXXX, XXXX I was hospitalized for a XXXX XXXX XXXX XXXX XXXX XXXX. On the XXXX XXXX  XXXX I went online to check the status of my accounts and discovered numerous unauthorized purchases from XX/XX/XXXX to XX/XX/XXXX made with the credit capability of my debit card and deducted from my checking account by TD bank. That is when I realized my card had gone missing whereupon I called TD and reported the card missing, had that card canceled, requested a new one and began the dispute process. I waited a few days and checked my accounts and saw I had been issued provisional credit for those charges. When I was released from the hospital on XX/XX/XXXX I checked my accounts again to discover my dispute had been denied on the grounds that I had either charged the items myself or had authorized someone else to. That is ludicrous! I was stuck in a hospital bed in XXXX, NJ, while these charges were made from XXXX to XXXX and XXXX New York! I'm now told by customer service that if I officially lodge a dispute a 3rd time and denied they will close the case. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My existing debt is {$2700.00} and not {$6900.00} reported on my XXXX report. This is not the accurate information about my debt as a result of which I am having trouble being eligible to get XXXX XXXX personal loan. Please help to rectify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Difficulties regarding request for credit freeze

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 2023-08-18
Company: Resurgent Capital Services L.P.
State: MO
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:
XXXX Report Number : XXXX Date Generated : XX/XX/2023 Collection Company : LVNV FUNDING LLC Amount Owed : {$810.00} I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. Neither XXXX nor LVNV FUNDING LLC has provided me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: NCB Management Services Inc.
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: Investigation took more than 30 days

Complaint:
I have previously submitted over request regarding debt and also documents of the debt and the company has refused to provide any documents. I submitted complaint XX/XX/23 and have not received any documents from company NCB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: General Motors Financial Company, Inc.
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 Citibank lowered the credit limit on 2 out of the 3 credit card accounts I carry with them ( to an amount under {$100.00} away from the balance I carry ), and when I called on XX/XX/2023, their customer service department refused to offer me a reason or explanation as to why. I am not a credit risk, have been a long-time account holder with the company, and feel like this is a scammy business practice they're running to push consumers over their newly decreased limits so they can collect over limit fees when interest or automatic payments post. Not to mention, this changed my revolving credit of under 30 % usage to 100 % usage instantly, which is not at all how I manage my credit. I have had no dramatic credit score change nor has my income changed. In the time I have been a Citibank consumer, my cards have been compromised more than once, and I was already skeptical about the security of my accounts with them before this occurred. 

I have arranged to move my balances from those two cards to another card I carry with a different company, and plan to cancel all cards with Citibank when the balance transfer is complete. 

I will not risk the health of my credit for a company that wants to participate in such shady practices.

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 2023-08-18
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car loan on my XXXX XXXX XXXX on XXXX XXXX, XXXX, and after calling them, going back and forth, visiting DMV multiple times, I still havent received my vehicle title as is today which is XXXX XXXX, XXXX. The bank who had my car loan is Westlake financial, they keep telling me thats a problem on releasing the lien on my title, which I went to DMV for verifying it. But what DMV told me is all they need is the bank release the lien on my title and they can give me my title right away. After dealing with them for over 5months, I lost my patience with them and start to file a complaint on them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Exeter Finance Corp.
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: Information belongs to someone else

Complaint:
On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove Exeter finance, XXXX and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: HUNTINGTON NATIONAL BANK, THE
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wired money for a rental down payment but found out a few days later it was a scam. Attempt to do a XXXX recall was unsuccessful and now I am just out {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
When paying Apple credit card bill online, started to receive fraudulent charges and emails. Apple ID compromised. Identity theft now issue, email address also being compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around XXXX  XXXX unpaid bill was put on my credit report stating an account was open and had unpaid bill. Told company I was a victim of identity theft when my wallet was stolen. I have had XXXX service almost my whole life until this day. The dates in which they say this was open align with stolen identity account was open online not in person which allowed the person to open fraudulently. Have tried multiple times to explain and get this issues resolved over years with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information that you should already have a record of. 

I have never done business with your company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: OH
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:
I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent XXXX data breach and may have gotten compromised by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A XXXX XXXX loan I had was reported as not being paid off. However ; as part of a debt consolidation program it was paid off years ago. The reported loan amount on a warrant in debt I just received is gravely incorrect. It has since been sold to XXXX XXXX XXXX XXXX who is using Scott & Associates , P.C . to sue. Additionally, the account has been sold off to numerous owners and therefore the information regarding the balance can not be valid ; as there is no guarantee that whatever balance they thought was originally owed is what was report. I have received two warrants in debt ; but have never received a notification prior to the warrants that they would be attempting to sue for payment. Additionally, the debt they are attempting to collect is 6 years old as the credited account was opened in XXXX. The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: DISCOVER BANK
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:
XXXX XXXX To a lessor extent : Discover Card XXXX XXXX Both XXXX and XXXX are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. 

Real life Examples : My charges to Discover Card vary in a given month, BUT, the balance is paid in full no matter the balance! 

Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. 

They dropped XXXX points, and when I complained, reporting the issue and giving Discover Card as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my Discover Card. 

Not only is this fraud, on a national scale, imagine the damage to US consumers! 
Lower score, resulting in higher monthly rates. 

I took this to Discover Card, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. 

Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. 

Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. 

All 4 companies are participating willingly. I notified all 4, 2+ times each. 

My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. 

Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. 

Clearly the Discover Card rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Nelnet, Inc.
State: IL
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:
You have violated my consumer rights under fair credit act section 15 U.S.C. 1681e ] as well as 606 section ( b ) & ( c ) ( d ) 1 I ask that you remove This account under the guidelines of XXXX XXXX format compliance this account is inaccurate under fair Credit section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as 609 ( A ) 1 Sec 611-2A1 ( 2B as this account does not belong to you and as been resolved the account beginning or ending XXXX that was serviced by Great Lakes in which is now nelnet its illegal to report the same account under different account numbers and well as to two different companies. Great Lakes company no longer exist you cant not use the form of credit reporting as a form of a monopoly application I ask that you remove this account from my credit report or I will be force to file documentation in court of law against you for my pain and suffering against your misrepresentation and illegal use of furnisher reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
It is impossible to get in contact with Aidvantage customer service. When I try to use the chat it always says, " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Why would the federal government send student loans to a company that refuses to hire enough staff to answer the questions of borrowers? Loans restart in 10 days, and I have no idea what is going on with my loan/my application for a new repayment plan. 

When you call, you are left on hold forever, with no estimate on where you are in line/how long the wait might be. This is also unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
TransUnion has allowed the following companies to request my credit report without my knowledge, consent or authorization. I have had a credit alert on my credit report over 3 years so that if someone applies for credit with my information I would be contacted to verify that I applied for credit. That procedure never took place, I was never contacted and never did apply for credit with these companies. Now these companies are on my TransUnion report as inquiries. 

on your TransUnion report. 

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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 2022-10-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PAYPAL STOLE MY MONEY! 
I did create a paypal fundraiser XXXX XXXX XXXXXXXX after having received many donations paypal all the sudden limited access to my account permanently saying the transactions are a risk and that my funds will be available in 180 days. now 180 days later they did withdraw the money to themselves! THEY STOLE ALL MY MONEY! THEY DID NOT EVEN SEND AN EMAIL ABOUT IT! THEY JUST TOOK IT! 
ALL DONATIONS THAT I HAD RECEIVED THE JUST STOLE THEM!

Company response to consumer: Closed with explanation