BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
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:
XXXX XXXX XXXX. is improperly and impermissibly reporting an account to the Equifax, XXXX and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On several occasion I have disputed the validity of the alleged debt of {$9400.00} that Ally claims that I owe. On XX/XX/XXXX I terminated the lease early. At the time of the termination the balance was {$13000.00} in remaining base monthly payments. The unearned rent charge of {$4500.00} ( which was calculated incorrectly ) and {$2.00} from other funds received was also deducted from the balance leaving a balance due of {$9400.00}. On XXXX XXXX XXXX  I received a notice from Ally saying they sold the vehicle and this was the remaining balance due. I have spoken to several employees including XXXX who is in the executive customer relations department, who stated that when Ally sells the vehicle the proceeds are applied to the balance at the time of the termination and then all other fees are deducted. I have asked on several occasions where the proceeds of {$20000.00} were applied to? I still have not gotten an answer. This leaves me to concluded that the proceeds were not applied to my balance. Ally also denied me the right to have an independent appraiser to appraise the vehicle within a reasonable amount of time after termination. Before I had an opportunity to located an appraiser, Ally sold the vehicle within a week after I turned the vehicle in. Ally refuses to give me any information in regards to the sale of the vehicle besides what the vehicle sold for. This account is also reporting inaccurately on my credit report and Ally refuses to delete the account. I have also requested a 1099-C for tax purposes since Ally claims that the account was charged off on XX/XX/XXXX. This inaccurate information has been furnished to 3 third party debt collectors to solicit payments from me on a debt that can not be substantiated. I am trying to resolve this matter without pursuing legal redress but Ally has been non compliant in trying to remedy their acts of fraud, tax evasion, and numerous violations of my consumer 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 explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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 several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$730.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
im having some very weird issues with my credit scores and the discrepancies amongst the three bureaus and my FICO score. The range of my score is so vast and the information is so different on all three I dont know whats real and I dont know how Im being denied credit. My main issue is with Trans Union. I am very frustrated because I can not log into my account the website keeps refreshing and asking me for my information over and over when I phoned them trying to get someone in customer service I can not get anyone to talk to unless I give a robot all my information like my Social Security number my birthday my address and that is not OK. 

I really could use some help determining why my score is so low when the credit card companies give me my letter of denial the score they give me is way off and so low from what I see when I log into XXXX or XXXX  XXXX. Also, theres information on my credit report that shouldnt be there anymore and I am very ineffective and getting it taken off. I have disputed it it has been resolved and yet its still on there really negatively affecting my life.

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 2020-09-30
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a certified letter to Phoenix Financial Service on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that two debts that they say I owe, in fact, do belong to me. To date, the company has not responded to my letter and it has been longer than 45 days since they received my certified letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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.

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 2022-08-18
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
MESSAGE TO CONSUMER FINANCE PROTECTION BUREAU XX/XX/2022 From XXXX XXXX XXXX On or about XX/XX/2022, I issued instructions to my bank, XXXX XXXX XXXX XXXXXXXX. at their XXXX XXXX, NC branch at XXXX XXXX, to send a Bank Wire Transfer in the amount of XXXX {$59000.00} to Santander Bank, XXXX. XXXX XXXX XXXX XXXX, branch at XXXX DE, XXXX XXXX, to the credit of XXXX XXXX XXXX, account number XXXX. XXXX XXXX XXXX  transmitted this wire transfer on the same day. 

On XXXX XXXX Santander Bank contacted XXXX XXXX XXXX  to confirm if the wire was legitimate or fraudulent. XXXX XXXX contacted me and on XX/XX/2022, I confirmed to my bank that the Wire Transfer was valid and XXXX XXXX Bank sent a message to the beneficiary bank informing them that the wire was not fraudulent. The next day, I received a phone call from an unknown Vice President of Santander Bank requesting information from me as to the purpose of the wire and again questioning the validity of the Wire Transfer. I reassured him that this wire was for a legitimate business purpose. That same day I received a phone call from my contact that was in contact with an official from XXXX XXXX  XXXX informing me that Santander Bank had frozen the bank account of XXXX XXXX XXXX for some unknown reason. 

For that reason on XX/XX/2022 I requested my personal banker at XXXX XXXX, XXXX XXXX XXXX, to initiate a recall of these funds, i.e. XXXX, and a fraud recall request was sent to the beneficiary bank the same day. In response to the XXXX XXXX request, Santander Bank requested a Hold Harmless Agreement on XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Department informed me that the Hold Harmless Agreement was sent to Santander Bank on XXXX XXXX. As of today, nearly 60 days after this Hold Harmless Agreement was sent to Santander Bank, the funds have not been received by XXXX XXXX Bank. 

The client, XXXX XXXXXXXX, through my contact, tells me that Santander Bank is telling them that they are returning the {$59000.00} to me. But now over 90 days after this Wire Transfer was sent to Santander Bank, and 60 days after the Hold Harmless Agreement was sent to Santander Bank, the money is still being held for no good reason by Santander Bank. 

Please investigate this matter and get a reason for non-return of my money. Neither XXXX XXXX Bank nor Santander Bank is crediting interest on my money that is being held unlawfully by Santander Bank. I want this money returned to me without further del

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 2023-06-28
Company: EQUIFAX, INC.
State: TN
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.XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : XXXX Under FCRA law, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Regional Management Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i would like for XXXX XXXX XXXX, XXXX XXXX XXXX  and regional finance to zero out my account balances with the credit bureaus. i am not reporting them or anything. i paid off my accounts with them earlier this month and i asked the credit bureaus to send them a request to zero out the balances on the credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On Tuesday, XX/XX/2023, I was hit with what seemed like hundreds of spam emails saying my email address was used to sign up for random accounts around XXXX XXXX. One of the emails was from XXXX saying there had been a credit check under my name. I thought it was a scam until I received another email later in the evening saying that the XXXX XXXX XXXX XXXX XXXX I applied for ( but I did not apply for this card ) has been shipped. I called the American Express fraud line to report that I did not enroll for this card and explained the hundreds of spam emails I received earlier in the day. The customer service agent said they will open an investigation into it. Today, Wednesday XX/XX/2023, I received a notice saying that XXXX  will be delivering the card via Next Day Air Saver at my old living address, which was my parent 's house. My husband stopped by and retrieved the package which contained the credit card. I'm still waiting to hear back from American Express regarding the investigation into someone fraudulently signing me up for a credit card that I had no intention of applying for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have concerns that Quicken Loans is knowingly participating in predatory accounting practices in order to garner higher interest rate return on payments from VA loan recipients. On or around XX/XX/2019 I received an email notice from " Rocket Mortgage '' subsidiary of Quicken Loans that an additional payment of {$2000.00} to my principle had interest deducted. This prompted further investigation on my part. I identified that Quicken has an unpublished practice of applying additional funds as future monthly payments in order to garner interest against those payments. If the funds are less than the next scheduled monthly payment they place those funds in a suspended state until after the next scheduled monthly payment to apply to your principle, and I they are greater than your next monthly payment they apply the funds to a future monthly payment. This was further substantiated by their customer support center. I further identified that rather than applying my 3.25 APR to monthly interest draws they were applying 3.285 interest draws. This amounted to 3 to 5 additional dollars being drawn for interest payment each month. Quicken loans has not provided supporting justification for the change in interest applied and has refused to apply the over charged interest to my principle. They have only agreed to apply the past two months additional payments to my principle and not the interest overages. 

Again, Quicken Loans knowingly and with expressed intent defrauded military veterans and possibly others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
This is my 2nd 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 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 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 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

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 2023-03-29
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I have a credit card account with Discover Bank. I have had it for over XXXX  years. I have perfect credit history with no a single missed payment in the past XXXX  years. I had set up auto pay on the account years ago, and have been making payments on the account proactively ever since I have had it. I stopped using the card months ago due to issues with the website ; however, it appears a couple of transactions came through unexpectedly and triggered a payment for {$80.00}. Since I had set up auto pay years ago ( probably over a decade ago ) I expected any transactions that come through to be paid automatically. However, it seems that feature had somehow turned off, and I didn't receive any sort of notifications on my updated email to indicate the payment is late. In fact, I only found out after it hit my credit report and XXXX XXXX  alerted me to a change on my profile. The bank had reported the transaction as late XXXX  days. I contacted the bank to no avail, as no one was willing to even entertain the thought of helping. I of course made a payment immediately to pay it off since it was an insignificant amount, but the bank refused to remove the derogatory hit, event though this was the result of a banking error since the auto pay was somehow removed from my account. I request for the bank to remove the reporting of the XXXX  days late from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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