BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
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:
Dept of housing states I received a loan for XXXX.on XXXX XXXX I paid off my home in XX/XX/XXXX  I did not make or apply for a loan I would like this to be removed from my credit account.

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 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - XXXX has given me about XXXX late payments. 


I see whats going on and made a complaint to XXXX on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with XXXX till now. Is hows a Tech error my mistake? 


They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by XXXX and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments off my credit. 

Already beginning to consult lawyers about possible legal action against XXXX in regards to 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 explanation
Consumer complaint received 2023-02-28
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was booking a trip on XXXXXXXX on XX/XX/2020 and saw a banner advertisement for a XXXX XXXX Mastercard through Barclays, offering XXXX reward points, {$100.00} credit, and 0 % apr for the first year. When I clicked on the advertisement, it took me directly to the application page for the card, I went off what I saw on the banner as there was no landing page describing the terms of the card. The main reason I wanted to get the card was because of the 0 % apr for a year. 

I used the card to book the trip, received the XXXX reward points, and {$100.00} credit. For my first bill, to my surprise there is an interest fee, which I called Barclays about, and they waived it. They told me to check the terms of the card, which I saved the copy that was mailed, and in it, it states that I have 0 % interest for 12 billing cycles for balance transfers. I asked them, why would I get a card for a trip  that I'm booking for a balance transfer? That makes no sense. 

When I signed up for the card the banner advertisement said 0 % apr, which I thought was for purchases, I had no concerns or needs for a balance transfer when I'm booking a trip. They now have a landing page for the XXXX card that states the 0 % is only for balance transfers. This was not there at the time I signed up for the card. The banner advertisement I used to decide to sign up for the card was totally misleading as it did not state the 0 % apr was only for balance transfers, and that is why I am filing this complaint.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
1 ) The Credit reporting companies are allowed to hold bad credit reports for 10 years, however if as in my cast I dropped a credit card for a better interest rate the 8 years of credit history was instantly removed from my credit report. Their explanation it policy allows them not to use information from closed accounts. This also counts for refinancing home loans after 10 years of good history I refinanced my house and lost 10 years of account history. The worst part is I have 10 accounts your history is figured by adding history and dividing by accounts so I closed a 10 year Mortgage and opened a new one I closed an 8 year credit card the rest of my accounts were all under 3 years old I went from 5 year history to less than 2 year history and it said I have a new credit history and works against me even though you can go back over 10 years on actual history. The Credit reporting companies should be requited to keep all accounts open or closed on history for 10 years so both good and bad can count the current way only favors the banking institutes as they can charge higher rates due to incomplete credit history being used.
2 ) The Credit reporting companies are allowed to use hard hits to lower your score and impact is once again in favor of the banking industries I was car shopping over a 2 week period of time I got between 6 and 8 quotes on cars I wanted. I looked over the data and decided what car fit my price range and returned to the dealer to find out the hard hits lowed my credit score and I was no longer eligible for the quoted rate. Again this is not fair to the consumer but is for the financial institutes. these are 2 major problems as far as I am concerned and need to be addressed and changed. 3 ) The credit bureaus should be working for the consumers not the financial institutes there are other things that are not fair and should be changed like anyone that reports bad credit ( utilities companies, stores that do their one financing ) should not be allowed to do so unless they also report good credit. this will make it so more consumers and get better scores based on real facts not just the facts that works in favor of the financial institutes.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: CA
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 called the XXXXXXXXExperianXXXXXXXX after I purchased a credit report with XXXX XXXX dated XXXX XXXX After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Accounts : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}, on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please update these negativity IMMEDIATLY.

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 2021-08-11
Company: GreenSky, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Hi I am writing to report a problem with GreenSky. Hi, I'm writing to you because I have a loan with the GreenSky company. I took out a loan on XX/XX/2020 from this company for roof repair. The roof began to leak from XXXX. I spoke my problem with the selling agent who helped me report the leak. I made my report on XX/XX/2020. I was sent by XXXX people who glued it. The leak continued to progress and I reported it again by calling and emailing. Now is XXXX and I have reported the problem XXXX times this month, and I have not received a response. I would like to know what I can do because they don't listen to me but I do have to keep current my payments. Today I decided not to make the payment to see if the problem will be fixed before winter begins. There are XXXX Companias and XXXX is called GREENsky XXXX XXXX XXXX located XXXX Georgia XXXX, and the other company is XXXX XXXX where I have reported the problem several times as well XXXX. I hope you guide me to see what I can do, thank you or report this in your reocrds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When the bogus accounts were first noticed. XX/XX/2019 I sent information to them as well as contacted them regarding the issues they first came back with information had been verified as accurate this information is not mine. I also spoke with a representative that stated that they would not investigate the fraudulent accounts they would send it to the creditor reporting and have them investigate it. I have notified the credit reporting agencies more than 3 times and they have yet to correct this information.

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 2023-02-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXXXXXX XXXX : Inquiry date XX/XX/XXXX Partner credit XX/XX/XXXX XXXXXXXX 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 2017-08-10
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/XXXX I submitted a dispute with Equifax since they are reporting my bankruptcy as a chapter XXXX when it was instead a chapter XXXX. ( Equifax Confirmation Number : XXXX ) After the issues my wife had she suggested I submit the complaint through the CFPB which she had done. I 've submitted two complaints for the same issue through CFPB, and when calling was informed that there were issues with the system causing me not to be able to log in to view the complaint. Both we closed with the same failed result. Equifax still shows a chapter XXXX instead of a XXXX. Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX I will attached the documents from my wife 's complaint for the same issue showing that they were able to resolve it after the first attempt through the CFPB. It also includes a copy of the discharge letter from the Chapter XXXX trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Gm Finanial approved me for a vehicle loan on XX/XX/XXXX for XXXX XXXX XXXX XXXX with a {$500.00} dollar down payment and signed contract!!! After completing the deal and given the keys for the vehicle I brought my vehicle home everything was good!! I then recieved a text message from my salesman on the XXXX regarding my vehicle stating the bank needed 2 years of tax returns from me to complete my loan!!! At that time I ask him what he was talking about he then told me he was with a costmer and couldn't talk!! So I sent a text telling him to have a manager call me!! I didnt recieve a call until 3 days later when a manager named XXXX called and said I had not been approved and needed to return the vehicle and he could get me in a vehicle of XXXX dollars less value!! I informed the manager he could not do that per federal law he got mad and started yelling that I better return the vehicle right then or else! I hung up and called the police! The next day XXXX from XXXX XXXX contacted me via email to demand tax returns and I advised him that I had called the police and not to contact me again that I needed the owner or general manager to call me immediately!! I did not hear from the GM for over a week! At which time XXXX the manager for XXXX XXXX had sent me a document from GM Finacial that showed completely different loan information on it than the installment agreement I signed with a change of status to returned due to unable to verify 2 years of employment! This also didnt make since as I had provided 2 years of bank statements a XXXX tax return check stubs all to XXXX XXXX prior to the sale of the vehicle! I had obtained an approval email from my salesman on the XXXX of XXXX and I was never told about the change in contract the descepancy in length of loan and interest rates or the discrepancy in the amount of the loan which has over a XXXX dollar difference in the payment and finiace rate for the length of loan and no explanation as to where that XXXX dollars is! The documentation recieved from the dealer shows a fradulent car deal done purposely to commit criminal theft of money from me and the intent to have never intended to up hold the agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I hope to please leave this message in order to get someone ... anyones attention so i beg you please dont turn a blind eye to this ... ..I have a son and im going through a pretty hard time right now this isn't in any way trying to make you feel sorry for me I just don't know who else to turn too... I attached a document below that shows a " bank mobile XXXX XXXX  ) bank account printout with also my debit card right beside it.youll see also on that bank statement other XXXX cash '' advances from days before the date in question which was XXXX XXXX. On XX/XX/XXXX and XXXX that same week I did two other instant deposits through XXXX XXXX  onto my bank mobile card. Onc yet e the funds go into my bank mobile account I went over to my usual bank which is XXXX  why you ask wouldn't I just use my XXXX debit card ... .. Because on XX/XX/XXXX XXXX had caught some illegal activity and shut my current debit card down and I rarely use bank mobile for my banking options but it worked just fine two times before that in that same week you can see on the statement ... ... now.. if you haven't lost interest yet im very sorry... .when I instantly transferred the funds to my bank mobile account I expected it to work like twice before that but for some reason I had XXXX dollars deposited I chose to withdraw XXXX dollars and it was declined ... .. this was last Thursday, I spent most of that day on the phone with bank mobile XXXX driving back too XXXX two more times all the while completely broke without a dollar to my name begging bank mobile to do something about this, they kept telling me to go back ton XXXX so I did twice!!!! by this point im starving haven't eaten since the day before and just completely enraged and I can't even talk to the customer service properly because they barely speak English. So XXXX when I go back their can't even really do anything for me since I used a card that wasn't from their bank which I understand but bank mobile tried to put it on them repeatedly they acted like since the XXXX bank wouldn't release the funds its just lost out in outer space bank XXXX land so they told me too wait 5 days to see if it would show up in my XXXX account ..... I was so upset I said that's not going to happen, XXXX told me that's not going to happen and now it's been 7 days and imm still just as broke as I was last Thursday. aND WHEN I CALLED THEM TODAY THEY SAID I CAN NOW FILE A CLAIM WITH THEM BUT IT WILL TAKE TEN MORE DAYS TOI GET AN ANSWER MEANWHILE WE CAN BARELY UNDERASTANDS ONE ANOTHER.

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 2023-08-02
Company: ALLY FINANCIAL INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account ( Acct # XXXX ) at Ally Bank was closed on XX/XX/2021. It was reported to XXXX XXXX XXXX 

The remaining balance in the account was never sent as it should have been after the closing of the account.

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 2019-03-12
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is an not accurate I do not owe the amount stated on my credit report. The balance listed is not accurate at all. I wrote both the collector and the credit bureaus and have not received a response from either in this matter. They failed to respond within a 30 days period. Please remove 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 explanation
Consumer complaint received 2019-11-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxxxxxx XXXX. I have never done business with XXXX Card Services resulting in redacted account number xxxxxxxxxxxx XXXX. I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxxxxxx XXXX  of which I have not received to compare to my records. 

Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Their investigation did not fix an error on your report

Complaint:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation