BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: ALLY FINANCIAL INC.
State: UT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019, I attempted to open a CD at Ally Bank online. For no apparent reason and inconsistent with prior practice, they declined to immediately open the account, tabling my application for an indefinite period. Because of their inaction, I withdrew the application. 

Approximately a week later, my husband, with whom I hold several joint accounts at Ally, successfully opened and funded an identical-type CD at Ally online, with an immediate decision and no delay. 

My husband and I have essentially identical banking and credit profiles. Yet Ally discriminated against me by treating my attempt to open an account differently than they treated my husband. 

Furthermore, Ally 's Executive Resolution staff has ignored my concerns.

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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid several credit cards before it went into collections. Also the ending amount was inaccurate. I have told all credit agencies to update or remove from my credit report. I would need validation, not the same comment this is true from the company. They never reach out to the company.

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 2019-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-06-26
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My complaint is GM financial has hit our credit report for a payment that I sent and was taken out of my account back in XX/XX/XXXX. I was never notified there was a problem only found out from a notification on our credit 3 months later. All my statements showed current and no late charges. I have sent proof from my bank that the funds were taken out and never put back in from there bank XXXX!!! I have been dealing with this for several months with no results. It has completely gotten out of hand!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Predatory lending taking advantage of COVID-19 distress situations. High interest rates. This company is not license to offer and disburse loans in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: BARCLAYS BANK DELAWARE
State: OH
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:
Barclays US - I signed up for Barclays last year under a XXXX point sign up bonus under which I am to spend {$5000.00} in the span of 3 months to receive. 

However, Barclays negligently mishandled my account and applied the WRONG social security number onto my account. We found this out about 2 months in. At which point Barclays LOCKED my account. 

-I had no access to my account, no access through the website and virtually no access to the account through the phone. 

During this time, -I can not use the card -I can not make payments to the card However during this time, Barclays continues to charge me late fees on an account I am not allowed to access or make payments to. 
I submitted all required forms of verification documents, including drivers license, social security card, etc. 
I submitted all such documentation approximately 5-6 times through the fax numbers provided by Barclays. Barclays took an exorbitant amount of time to solve the issue they created when one of Barclays employee 's mishandled my account and it's social security number. 
During this time I incurred late fees totaling : {$170.00} After the account was restored to normal status. I am left with a {$170.00} charge in late fees, the accompanying late payment reports on my credit report, destroying my credit score of over 800, and Barclays refuses to give me the XXXX points which I did spend over {$5000.00} for, after access to my account was restored. XXXX points is equal to {$700.00} in direct value and can be worth over {$1000.00}. 

Barclays messed up and charged me money for it.

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 2020-04-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Pursuant to 15 U.S. Code 1692g, my rights have been violated under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) because Experian has continuously allowed XXXX to report erroneous information on my credit bureau report that I repeatedly disputed. This is abuse and harassment and a direct violation of my rights as a consumer. 
XXXX is pursuing me for a {$320.00} early termination fee because they claim was locked into a 2 year agreement. An agreement that I vehemently deny and XXXX can not furnish proof for. Surely, they would have captured my consent to a two year agreement in some form be it verbally, written or electronic and they have failed to produce it. The burden of proof is on XXXX and they need to provide proof that I was aware of and in agreement to a two year agreement otherwise this disputed erroneous information needs to be removed from my credit report immediately. 
My FICO dropped 46 points once this erroneous adverse information from XXXX was reported to Experian and I demand that this information is removed from my CBR so I can be made whole again.

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 2022-08-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Their website has been down since the end of XXXX for " system maintenance ''. You can not log in at all. It does not recognize your account information at all and you can't check your balance, purchases or make a payment. They do not answer phone calls and nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a home equity line of mortgage with Chase in XX/XX/XXXX in the amount of {$10000.00}. From XX/XX/XXXX until XX/XX/XXXX Chase sent my coupons to another person in XXXX XXXX at the request of my husband. The other person was a CPA and together they did not want me knowing the home equity was being used with out my permission ( noone was paying the home equity either. I had no idea The balance went from {$4.00}, XXXX to XXXX, XXXX in one day ( XX/XX/XXXX ) to XXXX XXXX by XX/XX/XXXX and then to {$93.00}, XXXX by XX/XX/XXXX all with out my consult. 

If it was ok to do this without my permission why did they call me for payment. 
If I had no idea why should I have to pay?. That was XX/XX/XXXX. Chase is a major household name. If they did this to me, How many other people did they do it to. 

To have a major name do this to a human is unfair and unjust. It increased my XXXX no end. I was crazy with XXXX to the point I would do nothing else but pay them XXXX a month for 4 years. BOTH PARTIES SHOULD BE NOTIFIED NOT ONE BUT BOTH SIGNATURES. WHY IS IT OK TO SEND TO A STRANGER IN XXXX XXXX????? Chase should have seen the payments were not being made and looked to see why? My XXXX increased so bad. After I made the last payment I have not been able to hold since XX/XX/XXXX. I finally paid it off. This is wrong a persons coupons can go to a stranger in another state. because the other person on a loan said so. How many other times was this done? I would say at least XXXX times. I would like this investigated as to why both parties do not need to be aware? how many times Chase did this to people. I would like to have no XXXX like the days before my home equity. I would like to have a job again. The shock of knowing this is ok for a bank to do is incredible. It has caused so much XXXX I can not function. PLEASE INVESTIGATE THIS IMMEDIATELY. It is wrong of Chase to do this. If I had no idea, why dis chase hole me accountable to pay the home equity.? I should not have been responsible to pay since you never send me the coupons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: NC
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:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: MD
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:
Per request, XXXX account was closed on XX/XX/XXXX. XXXX and Experian account is currently reporting as past due as of XX/XX/XXXX. ( See attachments reflecting both CRA 's reporting incurrent information. ) A closed account can not be reported as past due, delinquent or late. This inaccurate information is causing harm to my reputation.

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 2020-06-23
Company: EQUIFAX, 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:
I have 3 unauthorized hard credit inquiries that were submitted through XXXX XXXX XXXX and appear on my Equifax Credit Report. The unauthorized inquiries are dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of these hard credit inquiries were initiated by me, nor were they authorized. I disputed the hard inquiries with Equifax, and they said denied the dispute stating that is was " a factual record of file access. '' In their response, they said to contact XXXX XXXX XXXX directly which I did. After jumping around to a bunch of different departments, I was directed to the ID Theft department, who then directed me to a website to submit my claim. None of the categories fit my problem ( unauthorized hard credit inquiry ) so I was unable to submit a claim. I am simply going around in circles. I want these inquiries removed from Equifax credit report because I never authorized those credit checks to begin with. Additionally, this has harmed my credit score, which could impact my mortgage approval since I plan on purchasing a new house in California within the next year. I have since placed fraud alerts on my Equifax and XXXX  accounts. I am following up with XXXX  tomorrow because their office closed before I could complete the fraud alert. Again, I would please like these 3 hard credit inquiries removed from my credit report as I didn't authorize them. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$500.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$3500.00} XXXX {$3500.00}

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
I have filed 2 previous complaints on the same problem with Bank of America : STATUS 'Company responded on XX/XX/XXXX  The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint '. 

The Company did NOT send a response to me. And, I'm not calling them. They scare me and that's why I filed with CFPB. I need help. I don't want to talk with them besides my having hearing difficulties. Right now Bank of America is charging me interest on this contested XXXX amount. They're bullying me .... 

I closed that account with BOA and opened up a new debit card with my bank. In 2 months time I spent XXXX on the new card. I'm spending about XXXX a month.

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 2019-06-26
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to low my rate and morgage amount for since XX/XX/2019 I have been sending them documents and they state they have not receive them. 
I sent the document over four times.XXXX XXXX XXXX to help still the same thing Still they say they have not receive them as of yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On my XXXX credit report, via XXXX XXXX, I noticed that in one day my points dropped XXXX points. Nothing in my credit shows any reason for an XXXX point drop. I have asked for an explanation from TransUnion and have not received one. XXXX point drop by any means is a huge amount and would have to default on all my loans, etc. My loans and credit are in good standing. I need it fixed and an explanation.

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 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a prior account with XXXX XXXX the was opened in XXXX. The account was paid in full upon the vehicle being traded in during XX/XX/XXXX. Since XXXX, the account has continued to report to my credit profile as 60-90 days past due. I reported this inaccuracy to all three bureaus numerous times from XX/XX/XXXX-XX/XX/XXXX. All three bureaus removed the account for a lack of validation at various times ranging from XX/XX/XXXX-XX/XX/XXXX. This account continues to repopulate as a past due account as recently as XX/XX/XXXX, reported to Transunion. Legally, this account can not repopulate onto my reports after being deleted if it has not been resold or if I have not been notified. Neither of those scenarios have happened and I have continuously asked TransUnion and XXXX to reinvestigate the inaccuracies to no avail. I have reported them as recent as 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 explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
I have submitted numerous disputes to TransUnion since 2018 and 3 method of verification requests. 
To date I have not received any information they have complied. 
Keep sending investigation results : Dispute file # XXXX Verified as accurate : The disputed item was verified as accurate, Dispute file # XXXX disputed info updated and other info updated, Dispute file # XXXX verified as accurate and updated. 
I have asked them to comply with my method of validation requests and/or send me a copy of something factual XXXX XXXX has sent them to base their reporting on or delete this derogatory information XXXX XXXX is submitting to them. 
I have sent countless requests to XXXX XXXX for debt validation and they have continued to report since XX/XX/2018 negative un-validated monthly updates to all 3 credit bureaus. XXXX and XXXX state they are still investigating. XXXX needs to be driven completely out of business.

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 2021-10-19
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name SUNRISE CRED Account Number NA Date Opened XX/XX/XXXX  Balance {$180.00} Collections is not from original creditor. I do not owe Sunrise Cred- {$180.00}. I never heard of Sunrise Cred and I never did a contract with them. 

These people billed me for {$480.00} but I it says on my credit report {$180.00} this is very inaccurate. They are reporting false information and this is very confusing.

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 2018-03-16
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan was sold to XXXX XXXX but before doing so ACS shut down member access to their website constituting late fees applied to my account, principal and reporting to credit agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect and innacurate personal information in my credit report. There are names and addresses that are not mine in the 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