BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
The company unlawfully took possession of my XXXX XXXX XXXX XXXX. 

I filed bankruptcy, Monday XX/XX/XXXX and notified ALLY BANK. I provided the company with the Bankruptcy filing number : XXXX. I also notified the company that all collection activity must stop in accordance with the Federal Rules of Bankruptcy Procedure. 

The company willfully failed to comply and continued to require that I pay them to get the XXXX XXXX XXXX XXXX back in my possession. 

The company is depriving me of my rights under XXXX of law.

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 2023-10-28
Company: Affirm Holdings, Inc
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AFFIRM Inc. is furnishing account and transactional information to XXXX XXXX, XXXX, and XXXX without any written consent from me. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. AFFIRM failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies. 

The information that is being furnished is damaging my credit rating and hindering me from obtaining credit for personal, family, and household purposes. As a result my rights granted to me under the FCRA, FDCPA, and Gramm Leach Bliley Act are being violated and redress is being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or about XX/XX/XXXX, Equifax violated my federal and state protected rights by improperly using my credit report and stealing my identity as evidenced by the hard inquiry on my credit report by " Equifax Mortgages Services LLC. '' I did not authorize, apply or otherwise consent to my credit file or consumer report to be accessed for mortgage services from any company and definitely NOT Equifax. My consumer reports with all credit reporting agencies have been and are " frozen '' as well as include identity theft alerts. I was a victim of Equifax 's Data Breach in XXXX and have filed a claim in connection with the settlement. Equifax, via its settlement administrator, XXXX, has YET to pay my claim even though I submitted the claim and over 500 pages of supporting documentation. Due to the known theft of my personal information, the credit report identity theft freezes, and the lack of my EXPRESSED WRITTEN PERMISSION to access my consumer report, Equifax has used my credit report improperly, stolen my identity, not taken proper care or responsibility with the use and custodianship of my consumer report and credit file. As this is not Equifax 's first time violating federal and state laws, Equifax has been reckless, willfully negligent, and acted with impunity with my consumer report and credit file. Equifax has willfully violated and is in violation of : 1- 15 USC 1681b- permissible purpose ; 2- 15 USC 1681c- Requirements related to information contained in consumer reports ; 3- 15 USC 1681c-1 -- Identity theft prevention fraud alerts ; 4- 15 USC 1681e- Compliance procedures ; 5- 15 USC 1681m- Requirements on Users of consumer reports ; 6- 15 USC 1681n- Civil liability for willful non-compliance ; 7- 15 USC 1681o- Civil liability for negligent non-compliance ; 8- 15 USC 1681q- Obtaining information under false pretenses ; 9- FCRA ; 10- FDCPA ; 11- CA Consumer Credit Protection Laws ; 12- UDAAP ; 13- federal Privacy Act ; and, 14- Agreements made by Equifax under their settlement agreement filed on XX/XX/XXXX in the United States District Court, Northern District of Georgia Atlanta Division ; just to list a few of the federal and state laws that Equifax has willfully and negligently violated .

Equifax has caused FURTHER injury, harm and damage to me by their actions because this has caused my FICO credit score to drop FURTHER negating my ability to be financially able to obtain future credit. I have and continue to receive communications from other credit reporting agencies that this action by Equifax has negatively affected my ability to obtain future credit. Equifax is a REPEAT OFFENDER and REPEAT VIOLATOR of my federally and state protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card over the phone on XX/XX/2022 to a rep of XXXX XXXX XXXX and XXXX consumer credit transaction was completed with Santander Consumer USA XXXX Santander Consumer USA denied me credit. The denial discriminates against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I formally request for the removal of fraudulent collections and unknown addresses from my credit report, which I believe are negatively impacting my credit score. After a meticulous review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have enclosed supporting documentation that validates the correct information. I am pleased to request that you investigate this matter and remove the inaccurate collections and unknown addresses from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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

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 2023-08-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a consumer of the chase sapphire reserve credit card which I have had since XXXX when it was first launched. On XX/XX/XXXX I tried to transfer XXXX points to my Marriott account via the Chase system as they are a verified travel partner and Chase was offering a 50 % bonus on transfers to Marriott. As such I should have received XXXX Marriott points into my account. Each point can be redeemed for XXXX cents, so these points were worth ~ {$1600.00}. 

As per the chase policy I could only transfer points to a travel partner account which has the same name as my chase account or to a verified household member registered to my chase account. During the transfer the Marriott account number was incorrect by one digit. Instead of XXXX, the chase transferred the points to XXXX. 

When I contacted Chase about this issue when the points did not make it to my Marriott account, they reassured me that this was a mistake and that it will be rectified and I will hear by physical mail in 10 days. In late XXXX, I got a letter saying my claim has been rejected. When I called Chase and asked them they said that they can not do anything as the points have been transferred already. When I pointed out their own policy of what transfers are eligible they were extremely rude and told me there is no recourse and I should take it up with Marriott. Marriott obviously can not divulge private details of another customer to me. I never registered another household member with Chase and they never verified where the points were going, all of this against their own stated policy. 

I no longer want to be a chase customer, but I would like reimbursement for these points in the form of {$1600.00}. I pay a very steep annual fee for this card ( {$550.00} ) and spend $ XXXX on this card annually. This loss negated any potential benefit from the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have scheduled travel within the next 8 days and I wanted to open a credit card account with a promotional incentive on which to charge my travel expenses. I considered several cards and elected to choose Capital One. My foremost concern was the ability to receive the new card prior my travel upon approval of my application. In my due diligence... I decided to contact a Capital One Venture Rewards Credit Card Representative over the phone to confirm that I can get the card shipped to me on an expedited basis upon opening the new account. The representative told me that yes I could pay a {$16.00} fee to have the card expedited and shipped out within 3 days and I would have it in time. I said great and asked if he could take the application over the phone. He instructed me that I had to apply first online and get approved. I asked him how then would they know to expedite the card shipment and collect the fees? He said once the application is approved I can call back to this department at XXXX they would then look up the application and process the expedited delivery. PROBLEM : I completed the application, was approved and called back and after speaking with a representative and a supervisor I was told that they can not honor what I was told and that it would be 7-14 days before I got the card. 

This is a breach of their verbal agreement with me as the card is now useless for the purpose I intended. This application resulted in a Hard pull on my credit report a step I would have never taken with Capital One if I had known it would take 7-14 days to get the card. I would have simply searched for another creditor who could meet my objectives. Now I am still left with doing so and yet another hard pull on my credit. 
Capital One misrepresented their terms on credit card delivery to me, failed to deliver as promised and caused harm to my score and further caused me to unnecessarily open a new account with them. This is bait and switch. They should provide some restitution for this or deliver as promised. I last spoke with the supervisor ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: PENTAGON FEDERAL CREDIT UNION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for vehicle loan from this company and was denied and company could not give me a factual reason for my denial. They claim I was a high risk with a XXXX XXXX XXXX with over 6 accounts over 2 years with no late payments. I only have one car loan on my consumer report and I was using on trade in. I spoke with several supervisors and no one could give me a straight answer, I strongly feel I am being racially profiled by this bank. This bank really needs to be investigated.

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: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I constantly check my credit report and noticed that there were errors and false misleading information for hard inquiries that didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB enforce the correction and or deletion of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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 information incorrect

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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The reported balance is {$4200.00} and thats incorrect. This debt is too old.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-04
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I paid off all of my sallie mae ( " SM '' ) student loans online. The online portal showed that I owed {$0.00} on all of my student loans. 2 months go by, and I had not received any communications from SM indicating that I had any balances outstanding, until my mom got a something in the mail saying that I had past due loan amounts from SM. So after hearing about this, I logged onto my SM account and say that I had small balances due on three loans. I planned to call SM the following week to figure out what was wrong and did ( this was the beginning of XXXX ). They told me that it looks like I still owed money. I told them that I paid off everything and asked what the outstanding balance was. They told me ~ {$210.00}, which I knew was way to high compared to what I saw online initially. I tried to access my SM account online, and was locked out. I asked told the SM employee I was locked out and asked for access. They supposedly gave me access and told me it could take a few hours or even days to get into my account. So I did not worry about not having access to my account initially and asked them to submit a research case for my issue. Then, the calls started. I have been called multiple times a day by SM for the past 2 months, even with 3 different ongoing " research cases '' occuring ( not simultaneously ). Additionally, in almost all of my calls, I have requested that the SM employee let me know the breakdown between principal, interest, and fees that I owe ( because I dont have access to my account ). In every instance, no one has told me. Even now, after being locked out of my account until today ( XX/XX/XXXX ), I am still unable to see via the website ( that I now have access to ), the breakdown of my loans between principal, fees, and interest. I am a XXXX, I showed be able to pretty easily figure out what is going on with a loan balance. 

In all instances, I have spoken with a SM representative, they have looked at my file and agreed that a research case would probably fix the issue and have encouraged me to file it, however it has not. When I try to get an explanation as to what the research report found, i can never get a clear answer. In summary, my account balances showed {$0.00} after I paid off my student loans. I should be done with SM following that, not having SM calling me every day try to extract every other XXXX I have.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, Equifax, XXXX and XXXX will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to Equifax, XXXX and XXXX to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase states that a letter was sent. We never received one. The only way to prove that someone received a letter is to send it certified mail, return receipt requested. I will repeat, we received no letter. Without notice our credit limit was lowered. We have no late payment history. We have not been using our card and trying to pay it off. The credit limit we had reflected a 72 % usage. By lowering our credit limit, it made it so it is reflected that we have a 96.97 % usage. ***These exact numbers are from my XXXX  account which notifies me if there are any inquiries, etc on my credit report. My Wife and I WOULD NEVER use any card or product with this level of utilization because we know that this would be extremely damaging to us. By doing this it has caused a decrease in my Fico score of over 20 points. This was also done by Chase Bank to another card. The damage was not as significant as this. There are no negative items or excessive inquiries on our report to explain damaging a good  consumer and a customer like this especially in these trying times. We request that this damage, that appears to be deliberately done be reversed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: KY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation