BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Spoke to a representative in the dispute department by the name of XXXX in regards to the investigation taken longer than the 30 days allowed by the CFPB. I informed XXXX that I did not receive the results to my dispute or an updated copy of my consumer report. I also explained that my complaint submitted through the CFPB is also still open. I asked XXXX to honor the fair credit reporting act and remove the accounts listed in my consumer report. XXXX stated that the dispute was completed on XX/XX/23 and proceeded to tell me what was deleted and what remained. he then stated that he could send me the results. I informed XXXX that I have no proof that this was completed in the time allowed. I explained that I was not notified via mail or through the CFPB of the results and because of that I would like for him to honor the FCRA and remove the accounts from my consumer report. XXXX, on a recorded line stated that Equifax will not be complying with the Fair Credit reporting act at this time and that all he can do is send me the information or I can call the creditors that verified accounts. I reminded XXXX that in order for me to make that call I would need the names of the companies that allegedly verified these account in front of me and since I did not receive these results in 30days I can't make that call. XXXX then stated that a letter was sent to me. When the tracking number for the letter was requested XXXX stated that he doesn't have one. I asked to be transferred and XXXX refused. A representative from Equifax stated that they do not honor the 30 day dispute rule under the FCRA in which they are governed by. The consumer reporting agencies have an obligation to act fair, equitable and impartial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Account status incorrect

Complaint:
Inaccurate late payments are showing on my credit file. This has caused me tremendous stress. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was for an auto loan that was refinanced more than 2 years ago. During the refinance process I was told that this auto loan would not appear on my credit profile after it was refinanced with XXXX XXXX. Currently, I have two auto loan appearing on my credit profile and I was told by Santander that I would not continue to see reporting for them. My current auto loan is with XXXX XXXX, not Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was paid in full and I was told that after it was paid in full that they would delete the entry from my credit profile. However, this account is still reporting on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS COMPANY ; XXXX XXXX XXXX XXXX XXXX XXXX HAS REINSERTED AN COLLECTION THAT HAS ALREADY BEEN REMOVED. THE COMPANY IS IN VIOLATION OF MY RIGHTS!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX. My date of birth isXX/XX/XXXX and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ally Bank continues to ignore repeated instructions to not enroll me in their " optional '' overdraft service. 

Ally Bank authorized a debit from my account when the balance was {$140.00}, for {$390.00}. Prior to the transaction posting I had supposedly " frozen '' my debit card from any transactions being approved through it via the " Card Control '' product. 

The Ally Bank website offers this advice : " If you didn't set up overdraft transfer service and used your debit card to make a purchase or withdraw cash, then your transaction may be declined but we won't charge an overdraft fee. '' I do not have overdraft transfer service setup, but yet, they processed this transaction and charged me an overdraft fee. 

I have tried to talk to Ally about it, however, they claim that they " may '' authorize transactions that will overdraft my account at their sole discretion and " may '' charge me that fee if that happens. 

Yet, the agreement and website state something entirely different.

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 2021-07-02
Company: WELLS FARGO & COMPANY
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX  I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, Ohio, from Ally Auto Lender. The price of the car is {$22000.00}, with an APR of 11.99 %, with a term of 72 months. Last year, I went back to the dealership and was denied credit to trade the car in for a new one, unless I had a co-signer. Under the Equal Credit Opportunity Act several rights were violated, i.e., the dealership didn't explain the process for fixing my credit mistakes, did not give me the name or telephone number of the credit company, and nor did they tell me about my right to get a free copy of my credit report to name a few. There was also some credit discrimination. I was encouraged and told to apply for a type of loan with higher interest rate with less favorable terms.Under the Consumer Credit Transaction if I am doing a transaction, I should've been given a Sum of all charges, which I was not, nor was information disclosed to me.

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 2021-07-02
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:
XXXX, Equifax and XXXX  are reporting 8 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 6th dispute letters to Equifax, XXXX  and XXXX  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 2021-09-13
Company: Bread Financial Holdings, Inc.
State: NV
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:
I was approved for an XXXX XXXX XXXX credit card on XX/XX/XXXX. On that day I made the one and only purchase in the amount of approximately {$180.00}. On XX/XX/XXXX I made a payment in the amount of {$90.00} by check # XXXX. On XX/XX/XXXX I paid the balance in full of {$130.00} by debit card payment. This amount included a late fee of {$38.00}. This was to pay my account off and I also requested to close the account. I then received a statement for an additional late fee. I spoke to XXXX in XXXX and she informed me because the payment in full was late by 3 days, I was responsible for that late fee. I informed her that I had paid the account in full and requested to close the account. The account, to this date, has not been closed out and now I am being billed {$330.00} in late fees and interest charges. I have not been able to get this issue resolved with Comenity Capitol Bank. They have also reported negatively on my credit report. I am asking for some assistance in resolving this issue. I do not feel I should be responsible for the amount they are charging me. Any assistance would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I asked for a refund XX/XX/22 was quoted XXXX weeks for the refund. Refund has not been received, I have called multiple times and have not received confirmation, response or reasonable timeframe on when I will receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My savings account has been repeatedly locked and my funds have been trapped in the account, despite multiple calls with specialists who unlock the account. I have asked specialists if I was able to transfer my money out and they confirmed that I could transfer the money out. I requested a transfer from Marcus to XXXX on XX/XX/23that was returned onXX/XX/23 because my Marcus account was locked. I called Marcus and my account was unlocked by a representative who said it would be fine to transfer the money. I requested a transfer from Marcus to XXXX  again on XX/XX/. This transfer was returned back into the Marcus account because, again, my Marcus account was locked. I called to unlock the account on XX/XX/ and was told that I had to submit an affidavit of identity before I could access my money that was locked in the account. I was told to call back in 1-3 business days because the affidavit required approval before Marcus would send it to me. I called 3 business days laterXX/XX/23 to check if the affidavit of identity had been sent, but the representative simply unlocked my account and confirmed that I could transfer the money out. I attempted to transfer my money out of the Marcus account, but once again the account was locked. During each call with a representative/specialist, I was given conflicting information about whether my account and funds were accessible. My mother received a voicemail on XX/XX/ informing me that my account had once again been locked and that I would need to call. I called on XX/XX/ to unlock the account and the representatives told me they had not put in the request for the affidavit of identity yet. The representative told me she would be asking the " upper management '' to approve that the affidavit of identity would be sent to me in the mail. I was told to call in 1-3 business days to check if the affidavit of identity had been to me from Marcus, XXXX I called today, XX/XX/. The representative on the phone said that there were no updates and that I am supposed to call in 3-5 business days. This means that my account and funds will have been locked for over a month before I can access them, and still Marcus does not give me information or help me access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This collection agency gave information to a family member that is not on the account in question. Also after I advised to stop calling me they continued to call in a harassingly manner sometime 5-6 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 U.S.C 1681. 

XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # 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.

15 U.S.C 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sadly, AAFES never responds to my inquiries unless I file a complaint with the CFPB. 

My alleged debt ( will be disputing what was collected ) has been repaid. I am attaching a copy of my final statement. The final payment was made when my income tax return was off-set for {$1300.00}. I contacted AAFES by email on XX/XX/XXXX, requesting verification that it had contacted XXXX ( my employer ) to stop garnishing my military retiree pay. My retiree pay has been garnished since XXXX. 

This unprofessional company - AAFES did not/has not responded. I received my military retiree account statement for XX/XX/XXXX. AAFES is still garnishing my pay. 

AAFES also illegally assessed a {$17.00} " payment fee '' ; this is in violation of Federal and State laws as unfair fees. 

My request is simple, AAFES needs to notify XXXX to stop garnishing my pay for an alleged debt that has already been repaid soonest! I am also owed a refund in the amount of {$280.00}, the amount that has already been sent to AAFES for the month of XXXX, for a debt that has already been repaid.

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 2023-11-07
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX  I sent out certified letter to Equifax to send me information where they gotten my information from the XXXX XXXX  bankruptcy. I sent Equifax information from the courts stating that they did not report my personal business to no credit bureau or no agency. And they havent responded. Every time I call them and I tell them they violated my privacy and my rights they hangs up on me. I want this deleted and I want a copy of my credit report sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CITIBANK, N.A.
State: VA
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:
Citibank reduces credit limit from {$8500.00} to {$0.00} over the existing balance of about {$1400.00} on an account ending in XXXX. When I called XX/XX/2023, the three customer service representative took 15 minutes to verify who I was. Then told me I had to call XXXX for the reason why credit limit was reduced. Citbank runs this card under the Costco Anywhere Visa.

The only email notification of a change on my account was an email. This email didn't provide details, and the link was broken. Meaning I received a notice, but the notice didn't provide any reason why the credit limit was reduced.

In the banking industry this is called fee farming. Because if the account goes over the limit I'll get a fee, plus they can increase the interest rate. This is an unethical practice. Citibank didn't provide details to the customer service to respond to my inquiry. They pushed me off to someone else. 

My claim is that this is a programmatic model that maximizes fees and interest charged. Good payment performance with this bank is being overlooked.

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 2022-05-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This accompany has Closed/Written-off this account and now I face a agency that has no legal right to my information, nor has the right to charge interest. 
I ask that this agency to send statement owed, together original instrument of indebtedness in its original form. 
acou # XXXX

Company response to consumer: Closed with explanation