BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in the 1 % cash bonus promotion program at Ally bank by depositing {$50000.00} new money into my savings account on XX/XX/XXXX and kept the money there through XX/XX/XXXX. According to the promotion agreement Ally bank should deposit {$500.00} cash bonus by XX/XX/XXXX, but I did not receive the cash bonus as promised. 

I contacted Ally bank on XX/XX/XXXX, a ticket was submitted and I was told that it will take 7-10 business days to resolve the issue. After two weeks I still did not receive the bonus, I contacted Ally on XX/XX/XXXX and was told that they have delay in processing. On XX/XX/XXXX I contacted Ally again because it has been one month and I still did not receive the bonus, I was told it is still being reviewed, they can not provide a turnaround time. 

I followed all the rules of the promotion : I received enrollment confirmation email on XX/XX/XXXX, deposited the money before XX/XX/XXXX, kept the money through XX/XX/XXXX. But Ally bank did not honor the agreement and did not deposit the cash bonus.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX Balance : {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/2023 i informed XXXX  to know that i received a credit report that had several inaccurate information on it such as several names and addresses that wasnt mines i stated that the company ( XXXX  ) should remove these due to the FCRA obligating credit agencies to report accurate information in which i recieved a updated report that still had several inaccurate addresses and names as well as employment innaccuracies. 15 usc 1681n states that a credit agency SHOULDNT BE WILLFULLY NON-COMPLIANT if that said agency ( XXXX ) is being non compliant thats punishable up to 2years or a XXXX $ fine per inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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 2019-08-06
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are experiencing medical hardship due to a medical XXXX. When we became 2 months behind on our payment we notified the loan servicer, Caliber Home Loans of our efforts to resolve our balance and keep our home and provided proof of the medical hardship. We also requested payment options but were denied. Therefore we resumed making our monthly payments. However, Caliber kept reversing our payments and claiming we incurred NSF fees because we didnt have enough funds in the bank ; which wasnt true at all. We checked numerous times with our financial institution and ensured all payment information were accurate. We requested numerous times over the phone and in writing, that Caliber investigate the back to back payment reversal errors and remove the fees associated with them. They refused to remove any fees or investigate the errors since we first discovered them in XX/XX/XXXX. There are approximately 4 or 5 payment reversals on our account. Caliber has refused to respond to our numerous written requests regarding this. Yet, in XX/XX/XXXX, Caliber flagged our account as foreclosure status and blocked our ability to submit our regular full monthly mortgage payment amounts. In XX/XX/XXXX, when we had saved up more the past due balance, we requested a formal reinstatement payment amount and discovered that Caliber Included all of the NSF fees, along with late fees and attorneys fees into the balance. We then couldnt afford to reinstate as we expected. We asked for payment plans and were refused payment options. Weve submitted numerous loss mitigation applications, but Caliber denied them and stated we needed to wait until our account has been with them for 12 months from our first payment date. As soon as we reached the 12 month period, we submitted a complete loss mitigation application to Caliber. They refuse to confirm that they have received a complete loss mitigation packet as they have done before, and refuse to offer us loan modification option. Its been two months and weve demanded a response regarding our eligibility for loan modification and the results of the payment reversal, still they refuse to respond to our requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Carter-Young, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In late XXXX I received a call from a woman who supposedly works for Carter - Young ( www.carter-young.com ) whom she said is a debt collection agency. She requested that I settle my debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX I do not owe XXXX XXXX any money. I have receipts where I pay my lease in full through XX/XX/2020 even though I completely moved out on XX/XX/XXXX due to COVID and graduation. XXXX XXXX would not inspect the apartment unit at the time due to XXXX. They required that I send pictures of every room and responded back to me that the unit was return in good shape. Exactly three years later this agency contacts me that I owe {$790.00} for XXXX and XXXX water and sewer fees and carpet replacement. Carter-Young offers to " negotiate '' the fees. I have tried repeatedly to reach out to XXXX XXXX  and they do not answer the phone nor respond to my emails. Carter-Young list their address as XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Fax : ( XXXX ) XXXX. They also keep saying that they will remove this from my credit report, however : there is nothing on my credit report related to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Information belongs to someone else

Complaint:
I'm the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Ive had issues with my identity being stolen and there are several collection accounts I have tried for years to have removed. One from XXXX XXXX XXXX and two from XXXX XXXX XXXX. I have filed police reports on the accounts but company and reporting agency verify them as accurate.

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 2023-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I received a Hard Inquiry by these companies : Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report. 

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX  XXXX XXXX XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National credit systems is violating the Fair Debt Collection protection act. This collection company never reach out to me to validate the debt prior to placing on my credit. The invalid debt reported on my credit as open collection since XX/XX/XXXX and first appeared on my credit late XX/XX/XXXX is inaccurate this account was never a collection account and was paid in full at the time they reported to the credit bureaus the status of the debt is inaccurate due to account being paid as agreed and closed. I further confirmed with the original creditor Wildgrass apartments the amount reported is incorrect balance is XXXX the open date is incorrect furthermore the company was advised by the original creditor on XX/XX/XXXX that this is not a collection account National credit system further proceeded in violating the FDCPA by reporting all of the above inaccurate information again to all credit bureaus on XX/XX/XXXX inaccurate information and no one never contacted me from their company by written and or verbal communication prior to placing this debt on my credit which violates the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: OK
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 the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.

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 2017-03-22
Company: U.S. BANCORP
State: NM
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX XXXX XXXX, North Dakota and Washington Federal ( Share ) A Secured Credit Credit Card with US Bank. XX/XX/XXXX ( Online ) I ' Applied for a Secured Visa for a College Apartment. The Website did not. record the Monthly Income Amount of Social Security XXXX Income, Public Assistance and Personal Income with Washington Federal. XX/XX/XXXXBy, Letter I Received Notice that, I was unable to be. Approved. XXXX XXXX, 2017 By, Phone ) I Updated my Information with XXXX XXXX of the Correct Income that should have been. or should be. recorded in Application for the Secured Credit Card. By,Phone ) I was told that, my my Information was Now Updated and Processing would take ( 2-3 ) Weeks. XX/XX/XXXXBy, ( Phone ) I was told that, the Processing was not. Submitted and a 'New ' Application Transfer must take place in a Reprocessing of Application for a Secured Credit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
Dear Amex, I am hereby requesting you provide all three credit bureaus a letter and send a copy of said letter to my address below informing them to remove the hard inquiry from my credit report for the XXXX XXXX XXXX XXXX  that has been closed but that was opened in my name that ended in XXXX and that I reported given this account was opened in my name without my permission. 

And was the result of identity theft. 

I furthermore request you provide in the letter to all XXXX credit bureaus both the consumer and business credit reporting agencies notifying them that the account was closed given it was a result of identity theft which I have already reported directly to Amex and that I am no longer liable or obligated to pay the debt and it shall be removed from all credit reporting. 

I would greatly appreciate this. 

Thank you so much. 

Please send a copy of said letter to my address below along with my email address being XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX, AL XXXX Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account/permanently limited and the payments to me is on hold for the reason that I am underage but I am already XXXX years of age, and I already submitted the copy of my driver 's license for my verification. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal as my payment option for my XXXX XXXX to the client thus it's an intangible item And a non shipment transaction. The goods and services Delivered and used to the client is an electric format.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: LA
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 have been fighting EQUIFAX for almost a year now trying to reslove ID THEFT issues. I have retained a attorney to assit in this matter due to EQUIFAX refusing to take any action and remove fraud accounts even with police reports and over whelming documents proving these accounts are fraud!!! They were all removed at one point and now or re-reporting. Equifax refuses to do anything even when i call the Office Of Consumer Affairs they do not help in any way. The following accounts are FRAUD and need to be blocked and are removed ASAP other credit agencies have removed and confirmed these accounts are fraud, why wount Equifax? 
1.XXXX Reported : XXXX XXXX, XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 3.XXXX XXXX 4 XXXX Reported : XXXX XXXX, XXXX 4.XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 5.XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX 6.XXXX Reported : XXXX XXXX, XXXX 7.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: NC
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:
On exactly XX/XX/2018, I sent a letter to each company listed on XXXX, EQUIFAX and XXXX  regarding inquiries on my credit profiles that were not authorized. I never received a response back neither were the inquires removed from my credit profile. 

On exactly XX/XX/2018, I sent a letter to XXXX  XXXX and Equifax requesting assistance in removing the inquiries not authorized by me, informing all three bureaus that I contacted each of the creditors by phone as well as by mail. No response has ever been received by XXXX  or XXXX regarding. 

Equifax responded back informing me that the inquiries were valid and will remain and although a proven signature document with my information and signature were requested, Equifax failed to provide this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Paypal permanently suspended my account by claiming that I violated their " terms of use. '' However, the terms of use are very clear, and I violated none of them. I was given a numerical code to use when calling in, but the employee who answered told me that the reason for my permanent suspension was " classified. '' At that moment, my end of the conversation was cut off, leaving the employee to ask, " Hello? Are you there? Hello? '' until he hung up. 

It is imperative Paypal clearly state all reasons -- including political -- for suspending accounts, leaving the owners in limbo, and damaging their financial reputation. My Paypal suspension apparently set off a chain reaction. Following in Paypal 's footsteps, XXXX XXXX and Venmo banned me. 

I had to confirm my identity in person to the IRS. No explanation given. 

Then my bank XXXX XXXX requested that I go in personally and confirm my identity. 

At XXXX XXXX, the branch manager told me off the record that the bank was " being pressured '' to drop me, but since I've been a customer for 40+ years, my accounts and credit card were safe. 

This all started with Paypal. If they are going to try and ruin users over politics, they need to admit it up front.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation