BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: ALLY FINANCIAL INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking account was overdrawn without my knowledge. The bank called my ex-husband and informed him. 
On XXXX, my ex husband was allowed to close the account without my knowledge and there for forfeiting the ability to recover over draft fees. 
When I discovered the closure I called, waited on hold for an extended period of time just to talk to someone who could not help. When I was transferred I was hung up on. 
I called back, waited on hold for over 10 minutes, again to speak to someone who was unable to help. I was then transferred to a supervisor, then a manager, who told me it would be investigate. 
After being on the phone for over 2 hours, I was continually told there was nothing that could be done to help me. I was interrupted when trying to talk multiple times. Told there was no one hire up to speak too. 

This is a dispute over {$50.00}, that's grocery money for me. I did not authorize the account closure, and I did not receive help fixing the issue.

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 2018-02-18
Company: CITIBANK, N.A.
State: NV
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:
Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CITIBANK, N.A.
State: WI
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:
On XXXX I called the number on the back of the card to make an automated customized payment. The system overrode my voice and applied my total credit card balance of {$1800.00} when I attempted four times saying I wanted to customize my payment. The automated service then said my payment was applied. I called and asked how much was applied because I didnt authorize any payments at that point. This caused an extreme hardship for my family and I. It took every XXXX I had in my bank account. This caused NSF fees, and I had no money. I could not make payments on my other credit cards as a result I incurred late fees from them. This is an error on their system. It took them 15 min to grab my money but yet they are telling me I need to wait 30 days to get my money back. Depending on who I talk with at Citibank I get different answers as to when Ill expect to see the money back in my account. I was told I would get it back on Saturday XXXX. That never happened. I then was told I wouldnt receive it for 10 days. I still dont have the money in my account. This is extremely devastating to my family and I as this was my payday money. All gone in minutes because of their systems screw up. Their system didnt even verify the amount I was paying. I want Citibank to make this right with me as its been days that we had to go through without money and consequences occurred in our bank account and other issues financially occurred. Nobody was helpful. Not even at the corporate level. The CEO refused to take phone calls ad I tried for two days to get a hold of her. I spent the day yesterday from XXXX XXXX XXXX XXXX XXXX. trying to get my money reimbursed but I did not receive any help. When I called the dispute department they also told me this has happened numerous times before to others. How convenient for Citibank. Somebody needs to do something to stop this from continuing to happen. Because again, this has been devastating and has caused a hardship for my family and I. Which at this time we are still living without any money. They need to be penalized for this.

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 2022-09-03
Company: EQUIFAX, 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:
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 IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance $ XXXX XXXX  XXXX Balance {$7100.00} XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMINODA XX/XX/XXXX XXXX XXXX XXXX Balance {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
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 IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$7100.00} XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMINODA XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance {$2700.00}

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 non-monetary relief
Consumer complaint received 2018-12-02
Company: EQUIFAX, INC.
State: TN
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:
The bureaus are allowing fraudulent accounts to remain on my report in spite of me filing complaints with he FTC and submitting a police report of identity theft. They are allowing negligent enablement of identity theft and violating multiple FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I re investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and correct it in my file immediately : XXXX XXXX Balance $ XXXX ; XXXX  XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2019-11-17
Company: EQUIFAX, INC.
State: NJ
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 filed multiple complaints about information on my credit report. As of XX/XX/2019, XXXX XXXX is sending me emails sating that a XXXX XXXX account isn't being paid, but I have checked the status and it is saying that it is current. 
I have said multiple times that the primary on that OLD account negotiated a new deal with a dealership in order to obtain a new vehicle. This was all done WITHOUT my knowledge or consent. 
I was told that it is none of my business as to what was negotiated yet I am still being harassed about this said XXXX account. 
My credit score dropped 61 points and according to the credit bureaus, there were no changes to status, which is why I am curious as to why it dropped 61 points out of nowhere. 
All of my accounts are paid and up to date. 
XXXX XXXX has been harassing me constantly, sending emails about raising my credit scores by opening personal loans through them. 
They have also included my home mortgage into my accrued debt which has nothing to do with my car payment or my credit cards and are constantly telling me that if I refinance it will help my scores. 
This is a scam, dropping my credit scores to scare me into opening new credit cards with their help and to obtain personal loans with their help. 
I have documentation showing that no changes were found but my score has dropped. 
This is now becoming harassment. 
I have done nothing but pay my bills on time. 
The credit bureaus are dropping scores for the XXXX of it to see who is XXXX  enough to open up a loan through them and through XXXX XXXX. 
How is any of this legal!!!!???? 
This is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit car account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Around XX/XX/XXXX, I applied for credit through capital one. They approved me and then said I had to make a down payment of {$99.00} and that my credit limit was only {$200.00}. This violates my rights as a consumer under the truth in lending act and fair debt collection practices act. I did a credit sale to extend my own credit back to me, capital one ran my credit, using my credit card ( social security card ) making it a consumer credit transaction meaning all finance charges were paid indirectly by me when my credit was ran. Asking me for a down payment is illegal and not following the protocols of debt collection is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX I went to the AmeriSave site to check their interest rates. The site requires that you enter basic information to to proceed ( Name, phone number and email address ). One of the screens specifically states that they will not do a hard pull to your credit and it will not affect your score. This was important to me because I am still several months away from purchasing. There was a section that has disclosures that I clicked through but did not read through all of them. I am assuming that these disclosures had a statement that they were going to do a hard pull to my credit because I received a notice from my credit service that stated that a hard pull was done. I then received a call from a rep from AmeriSave who confirmed that they did a hard pull. Since they boldly and specifically stated that they were not doing a hard pull and I did not provide my date of birth or social security number, I had no expectation that my credit was being pulled. I believe they intentionally deceive clients into moving forward in the process by burrying the credit authorization and making them believe that their credit isn't being pulled because many people, like me, would stop the process if I was aware that my credit was being pulled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: TX
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 have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. XXXX and Experian refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit

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 2023-07-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions. I contacted them after XXXX responded that they verified this information and I was told by the company to contact someone else they dont have the account. How can XXXX say they verified this account and I wrote them and requested verification and they sent an email to contact someone else. If they dont have the account, have any information and cant provide me with proof of this account, my signature establishing that I signed for this account ; how can they report this to my credit repostar?

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 2018-04-16
Company: Servis One, Inc., Titusville, PA Branch
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX, during my whole Bankruptcy procedure, I was locked out of my account by XXXX XXXX and they would not communicate with me on the phone at all. My Chapter XXXX was complete on XX/XX/XXXX and I never missed a hose payment the whole time. 

In XX/XX/XXXX, I lost my job and cashed in my 401k. I have been working minimum wage jobs and using my 401k to pay my Bills. XX/XX/XXXX was the first time I had fallen behind. I knew my 401k money was running out several months before that, so I requested a loan modification from XXXX. I have gone through the ringer, refaxing them things over and over again ( 3 times ).

I got a letter about two weeks ago, saying they had gotten a complete file and were reviewing my modification. I sent in my XX/XX/XXXX payment and it did not clear the bank, it was from my friend and she was rushed into XXXX and was unable to make her deposit. They were notified befor the check ever came back to them. 

XX/XX/XXXX I called to find out how to get the check back and to tell them I had gotten a new, better, job and my situation would not be long term now. I spent 42 minutes on the phone with a customer service agent who took a payment arrangement of {$200.00} by XX/XX/XXXX. 

Today, XX/XX/XXXX, XX/XX/XXXXXXXX FROM XXXX CALLED to say I had three choices, he began to rattle them off to an authorized person on my account, who told him she was on bed rest. She told him she wasn't getting out of bed to go get a piece of paper. She later called back and asked for them to email what they were talking about and the refused. They don't seem to want to EVER provide anything in writing. 

My representative has spent 3 months, solid dealing with them and has gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
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:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions. I contacted them after XXXX responded that they verified this information and I was told by the company to contact someone else they dont have the account. How can XXXX say they verified this account and I wrote them and requested verification and they sent an email to contact someone else. If they dont have the account, have any information and cant provide me with proof of this account, my signature establishing that I signed for this account ; how can they report this to my credit repostar?

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 2021-11-29
Company: EQUIFAX, INC.
State: HI
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 XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND EQUIFAX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM XXXX. EQUIFAX OR XXXX, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY

Company response to consumer: Closed with explanation