BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: ALLY FINANCIAL INC.
State: TN
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:
So my Ollo credit card was stolen and used to make fraudulent charged in XX/XX/XXXX, I called and reported the fraud and had the card stopped but there had been fraudulent transactions made on my account. I spoke with the Agent around XX/XX/XXXX or so. He advised me that he would report the charges from XX/XX/XXXX and forward as fraudulent charges. I get a letter advising me that the fraudulent charges had been credit but I only received credit for one charge for XXXX, so I called in around XXXX XXXX and speak with someone in the security department who advised that she didn't know why the other charges had been missed but she had reviewed with her manager and they were sending the charges and having the claim reopened and escalated. So I called a week later and get told it was reopened and being reviewed, to allow some more time and that charges were normally credited within two weeks. I have called multiple times and am still being told the charges are being reviewed. It has been over a month since my fraud claim was reopened and supposedly escalated and still no resolution after a month of being escalated. They still haven't adjusted all the fraud charges and to date have only done the one credit of XXXX. Every time I call I'm told allow more time, allow more times. Its been two months since it was reported.

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 2018-12-21
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I noticed a negative on my XXXX  credit report. After research I found that it is a 12 year old account opened in XX/XX/2006. This accoutn was always on autopay, but the creditor must have cancelled autopay at some point without notifying me. Therefore, the account shows late pays for 3 months, and now ways it is closed on XXXX. 
I attempted to contact the creditor ( CBNA, Citibank North America ) and they claim they have no record of my account. 
This is very low $ $ for me, and I just want to pay the account and have them correct the report, but nobody can help me. Even XXXX  refuses to give me more information about the account. 
The impact on my credit report has caused me to lose important business credit, and I'm at risk of losing my company which employs 30 people, and donates thousands to non-profits every year. Other than this issue my credit report is nearly spotless. 
Can you please help me get a response from Citibank so I can clear up the account and have it cleared from my credit report.

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 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a business credit card with XXXX ( it was a XXXX, then XXXX converted it to a XXXX despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.

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 2021-07-16
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking, which my direct deposit goes into, a savings, and a secured card holding {$3000.00} of MY money. Right now, I have {$9000.00} in the accounts. 

I am getting married, and I was purchasing XXXX gift cards for my wedding party, and had to go to several shops, as they control how many they send you. I used my ATM card and pin number, plus showed my driver 's license at each store. 

On XXXX, the XXXX of XXXX, Chime froze all accounts, and would not let me log in. It said my account had been suspended. I called them and they " escalated '' the issue, which did no good other than add 2 additional days to the problem being fixed. They wanted a copy of my driver 's license, and they said my birthdate had been CHANGED by a CHIME employee on that XXXX  at XXXX XXXX. My license used 2 years ago has the same birthdate as the new one I just got, as my birthday is XX/XX/1956. I sent 7 pieces of documentation, and waited the 2 days. Nothing. I called again, and they changed the REASON they suspended my account and then asked for a selfie of me holding my license and the back of my license. I provided all of this. Nothing. I'm going to have my internet and phone services disconnected because I can't pay my bills. 

It has since been over 6 days, and NOW, today, they said my selfie was too " shiny '' and they needed a new one. But if I had not called IN, I would never have known this. 

They are playing games for the interest on my accounts, and I want my funds able to be withdrawn immediately. I do not want the account closed until I can get another way to access my direct deposit ( they take up to 2 months. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I gave birth to my son in XX/XX/XXXX. I had XXXX XXXX XXXX XXXX insurance through my employer, managed by care coordinators at XXXX XXXX. I received a final bill for services rendered after prior payments had been made. The final bill amount was {$1900.00}. The final bill was from XXXX XXXX XXXX XXXX XXXX. I called the billing department at the hospital and was set up on a payment plan through XXXX. I made payments on time and finished paying off the debt on XX/XX/XXXX. After that, I received another statement from XXXX dated XX/XX/XXXX in which is reflects a XXXX account balance and my bill had been paid in full. In XX/XX/XXXX, I received a new bill for {$820.00} with no explanation of charges. I called the care coordinators on the back of my insurance card ( XXXX XXXX ) to inquire what the amount was. They told me it must have been processed incorrectly and they would have to sort through the payments/deductions to see which bill was reprocessed. I called back several times and was told this was a mistake. I asked them to contact XXXX XXXX to verify the amount as the insurance ( XXXX XXXX ) was in disagreement with XXXX XXXX re : payments made vs. payments owned and the exact amount. Due to the bill being disputed by my health insurance, and not having any explanation as to where this amount came from, I was advised by XXXX XXXX care coordinators to wait until everything had been reprocessed to pay the final amount seeing how I had already received a bill with a XXXX account balance. This was escalated to management at XXXX XXXX. Care coordinators at XXXX XXXX report they never received a reply from XXXX XXXX and were told the account had been sent to collections. They were told the collections company was Receivables Management Corporation XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX I then called the collections company to ask what the bill was for/from and could I please be sent a bill from XXXX. They were extremely rude and told me the amount was from an unpaid bill and I could choose to pay it or not, but it had already affected my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: OH
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:
A collection appeared on my credit report from XXXX XXXX XXXXXXXX months ago about a collection from an a apartment complex in Washington. I filed a dispute with Experian I do not live in Washington asking for a statement or what this collection was for they just verified the collection and gave me no information as to why or what this is for

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 2021-07-16
Company: Experian Information Solutions Inc.
State: WI
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 have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved

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 2023-01-25
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 status incorrect

Complaint:
This complaint is about Equifax reporting incorrect and misleading information on my credit report with XXXX XXXX XXXX Complaint # XXXX Equifax are reporting that I was late 120 days in XX/XX/XXXX. But from XX/XX/XXXX to XX/XX/XXXX I was current. This doesn't make any sense. I wrote to them many times and Equifax refused to correct the incorrect and misleading reporting on my credit report. 

Complaint # XXXX XXXX and XX/XX/XXXX I was current. In XX/XX/XXXX Equifax report 30 days late. How can I be 30 days late in XXXX but current in XX/XX/XXXX and XX/XX/XXXX?. 
Equifax also reporting that I was late 60 days in XX/XX/XXXX and 90 days in XXXX. 

This complaint is about XXXX XXXX and how Equifax are reporting incorrect and misleading reporting on my credit report. 

Complaint # XXXX XX/XX/XXXX Equifax reported that I was 120 days late. How can I be late 120 days in the first month of the year? 

Complaint # XXXX XX/XX/XXXX to XX/XX/XXXX I was current on my payment. XXXX XXXX 30 days late, XXXX XXXX  30 days late, XXXX XXXX 60 days late and XXXX XXXX 90 days late. These late payments are not correct. 

Complaint # XXXX From XX/XX/XXXX to XX/XX/XXXX I was current. In XX/XX/XXXX reported 120 days late. This is incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
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 leased a XXXX XXXX XXXX thru Ally Financial. Two months ago I was in an accident and it was totaled. My automotive insurer, XXXX paid them off in full. It took a few weeks for it to show up on my account on the Ally Automotive website. When it did ti said " Paid in full '' then one day later all of my information on my account changed to " unavailable '' and I wasn't even able to view past payments. Shortly after my accident I moved to a different address, of which I notified Ally over the phone. They confirmed it and supposedly put it in their system. 

I checked my bank account and on that same day they took out another payment from my bank account for the car, even though it didn't exist and was paid in full. This was on XX/XX/XXXX for a total of {$310.00}. I tried to get a hold of them to get that money back as well as the half of month previous which I didn't have the car for two weeks, ( pro-rate ). 

When I called them they kept telling me they needed to contact another department, but actually just kept hanging up. This happened three times the week of XX/XX/XXXX. Finally, I got a hold of the accounting department and they told me I owed them {$680.00} ( Basically XXXX minus the other payment they took ). I figured I would check the website to double check where it said " Paid in full '' but now all of my information is gone. 

Fast forward to XX/XX/XXXX, where Ally started robo dialing me to " collect a debt '' from the phone number XXXX XXXX XXXX XXXX for a total of 6 times also on dates ( in addition to XXXX XXXX XXXX XXXX XXXX ( twice that day ) XX/XX/XXXX, and again today XX/XX/XXXX. I've answered it a couple of times which is how I learned it was a robo dialer also they never leave voicemails with this number to confirm who they are. Pretty sure you can't make robo calls for debts anyways, but this whole thing is messed up. 

I've requested that they send me the information to my new address, but they tell me they never changed the address, and they demand my social security number over the phone, and frankly, I don't trust them with that information, and the number itself feels like a scam. 

In short : Ally was paid IN FULL by my insurance company after a car accident, they are trying to bill me for an extra XXXX dollars. They owe me at least {$310.00}. They've deleted or removed access to my information online to deliberately hide that fact. They then started using robodialers ( which erodes the safety and trust of sharing information over a phone call ) to harass me into giving them money. They refuse to change the address on my account unless I share very private information over the phone.

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 2023-01-27
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the fair credit reporting act 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Enhanced Recovery Company Corporation Service XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA, XXXX, United States To : The Office of Registered Agent for Enhanced Recovery Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing Whitney Arielle Findley private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
During the month of XX/XX/2019, without prior notice, the institution increased the mortgage payment which was {$480.00} to XXXX. The institution stated that the increase was due to XXXX taxes. The property has a tax exemption since the mortgage was acquired. In the process, the steps were taken to complete the payment. The time passed but the payments were made even with the increases to the mortgage which were never planned. They state that the increase was by the government regulatory entity, but that mortgage was duly worked and there is a tax exemption of which they are aware. The institution reported the incident to the credit bureau, an action that it considered was preempted, since what caused the dislocation was the increase in the mortgage without prior notice from the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, 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

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 2022-10-18
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have leased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX ( the Dealership ), in XXXX, OH. At the time of signing the contract, the XXXX gave me a copy of the it without signatures, and with some white parts he would take care of filling out. In XX/XX/XXXX I have got in an accident, and trying to figure out what were my rights, I asked Honda Financial Services ( the Lessor ), which is the lessor used by the Dealership, a copy of the contract. With my surprise, they had a copy of the contract in which, other than my signatures ( which happened right after they gave me the copy at the time of getting the car ), the white parts were filled out with false data, and signed by the XXXX. In detail, the XXXX added a " verified '' comprehensive insurance coverage for the car from a XXXX policy from XXXX. It is interesting that either XXXX doesn't have a XXXX policy ( all XXXX 's XXXX are XXXX ) or I ever was insured with XXXX ( I did XXXX and still do - have XXXX for my car at the time of the lease ). I can clearly remember the XXXX at the XXXX never asked me for the policy number to add to the contract, and my policy number was not even close to the number they added to the contract. This is a clear violation of the contract, that prevented me to have my car fixed after the accident. It is important to notice that since then, I can not drive the car, but I am still paying for my lease every month. When I got in touch with the Lessor, they said it is Dealership 's responsibility. I then got in touch with the Dealership, they said they don't know how this could happen and they would investigate on that. But more than 6 months passed since then, and still waiting ( and paying for a car I ca n't drive ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Professional Credit Management, 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:
I have sent certified letters to Professional Credit Management on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to verify this debt that was placed on my credit report as a collection item. I have reached out to the original lender, XXXX XXXX, who stated they do not see me owing anything in their records. This is a XXXX violation, and I did not give permission to any healthcare facility to disclose my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation