BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
In XX/XX/XXXX we re-financed our auto loan from Ally to our credit union. Credit union sent a cashiers check in the amount designated as 10 day pay off. I received a letter dated XX/XX/XXXX from Ally on or about XX/XX/XXXX stating that there was a balance still. I called there customer service on XX/XX/XXXX and was advised with reference # XXXX that remaining balance was being waived, to follow up in about 1 week. Received another letter dated XX/XX/XXXX on XX/XX/XXXX, and again I called Ally customer service, representative XXXX stated to dis regard this letter and confirmed that said balance was being waived, she then gave me a new reference # XXXX. Called Ally customer service in XX/XX/XXXX to follow up on previous calls, was given same reference # ( XXXX ) as the XX/XX/XXXX. Again representative stated remaining balance was waived. XX/XX/XXXX follow up call to Ally customer service was told that remaining balance was waived and given new reference # XXXX. XX/XX/XXXX follow up call to Ally Consumer Solutions dept, representative XXXX ( id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. In late XX/XX/XXXX Ally finally sent release of lien letter to our credit union. Somewhere between XX/XX/XXXX and XX/XX/XXXX Ally had reported to Credit bureaus that we had late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX that show as 30 day late then 60 day late then 90 day late then 120 day late. Now here in XX/XX/XXXX after we applied for new lease with Ally and was denied. I called and spoke to Ally customer service, representative XXXX stated that remaining balance was waived in XX/XX/XXXX and gave me case # XXXX. XX/XX/XXXX Ally customer service representative XXXX stated that balance was waived and letter was being sent to credit bureaus stating that late payments submitted by Ally were in Error, as well I was sent said letter but the letter isnt what XXXX stated, it still says those 4 late pays are there. XX/XX/XXXX Ally customer service representative XXXX XXXX Id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. She also stated that she doesnt know why it took til XX/XX/XXXX to be put in system. I have documents from both Ally and my credit union along with all the info I listed here that shows Ally is in Error by reporting our account as late to credit bureaus that is listed above ( XXXX, XXXX, XXXX, XX/XX/XXXX. My wife and I have spent many hours over the past year trying to get Ally to remove the Derogatory marks from our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. I have disputed this issues with all 3 credit bureaus ( XXXX, XXXX    and Trans Union ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX  list the amount owed as {$4200.00} ... XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. See the enclosed attachments ....

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 2021-07-08
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2014 my credit cards and driver license and SSN information & cell phone was stolen. I filed a police report but I lost the police report is been 2 years. They used my credit cards and accumulated total of {$30000.00} dept. I called the credit card company but they told me I have to pay the depts around {$8000.00} on each card. I been trying to get a good paying job but I have collection accounts that are not mine and the sad part I cant get hired. Please help me out I cant move on with my life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Earnest Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Earnest, my student loan company, mistakenly took money from my bank account while i was in forbearance. i am now left with -XXXX and the quickest they can refund the money is 1-2 weeks - thats with it being expedited. This is criminal and has left me with no money for two week. They need to be held responsible for the kind of stress this has put on me and my family. I have attached an email of the latest correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: AES/PHEAA
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: Account status incorrect

Complaint:
There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
CREDIT INQUIRIES DOES NOT BELONGS TO ME, IVE CALLED TO THE REPORTING AGENCIES AND STILL NO RESPONSE. I SENT LETTERS AND STILL NO RESPONSE

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 2021-07-08
Company: National Credit Adjusters, LLC
State: TX
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:
I have contacted this company several times in regards to a debt they say I owe that is on my credit reports. I have asked them to validate the debt. In the most recent ( and only ) communication from them, they sent a copy of a bill ONLY. That is not validation of debt. I requested validation showing my full social security number, date of birth, and original signature. Otherwise, this debt is null and void and needs to be removed from my credit reports ASAP. I have filed a complaint with the FTC as of today regarding this company and it's practices. This is also the 2nd complaint I have filed with CFPB regarding this company and hope for a resolution sooner rather than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Paul Michael Marketing without ever having received a bill from XXXX XXXX XXXX, which had forwarded the collection agency my information. I called Paul Michael Marketing and was unable to get through to them after many attempts. Several months later, I received a bill in the mail from a medical lab for {$14.00}, which I paid immediately. The bill had been lost in the mail and I had not been contacted to pay in any other way. This has tarnished my credit score at no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a income tax refund on XX/XX/2021 into my checking account at citizens bank which was charged off on XX/XX/2021. Instead of them sending the check back they are holding on to my check for 15 days and are going to send me a check after. I am extremely upset by this due to the fact that I already had to wait 3 months to receive my tax refund because the irs was behind and now that they have finally sent it I have to wait almost another month to pay my past due bills that Im drowning in. I wouldnt receive my money until the last week of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: NY
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 multiple inquiries on my report that i have no idea you authorized them to pull my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX my wallet was stolen. It contained my credit cards, debit cards Drivers License and Social Security Card. I canceled the credit cards, got a new drivers license and social security card. Upon reviewing my credit reports, someone has been applying for credit cards several times in my name creating fraudulent inquiries. Luckily, it looks as though only 1 account was opened in which the bank immediately closed and the credit angenies took off of my credit report. However, all of these fraudulent inquiries remain. I have taken all the necssary steps including sending a dispute to the credit reporting agencies ( all 3 ) by certified ( Priority Mail ), filing a police report with the XXXX Police Department, that should be at the agencies no later that 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 2021-07-08
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted payment on my mortgage ~15 days prior to the mortgage being due ( payment made on the XXXX of the previous month for a mortgage due-date of the XXXX ) and Home Point Financial returned the payment on the XXXX then started stating my payments were late moving forward. The payment was processed and withdrawn by my bank then returned and Home Point is saying they did not receive the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2015 there were 2 Capital One credit cards opened fraudulently in my name. I alerted Capital One and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX  complaints, filed FTC reports and Capital One refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX- I find this interesting as I called each of the 3 credit bureaus and they all told me I am NOT associated with the address XXXX XXXX  XXXX XXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter Capital One wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with Capital One before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Uber Technologies 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX   XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: AMERICAN EXPRESS COMPANY
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: Was not notified of investigation status or results

Complaint:
I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an American Express account in my name. This information was reported to the credit reporting agencies by American Express ( AMEX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX ), I have made over 100 telephone calls and sent several e-mails ( copies attached ) to AMEX. AMEX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. AMEX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by AMEX report WILL NOT BE REMOVED until AMEX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN AMEX CARD. I HAVE NEVER LIVED IN TEXAS.

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but American express reported a Texas address associated with the derogatory account information AMEX reported to the credit bureaus. I never receive a call or any mail regarding this account from AMEX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my XXXX and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Claimant identified the following issues : Failed to respond to fraud, Customer service lied to me, Locked my account and opened a new one without My authorization On XX/XX/2020 I found out that {$23000.00} was gone from my buisness account and I called Wells Fargo bank to report the claim and they open a fraud claim for 2 days and they lock my account and denied my claim they said that I authorize this on line transaction To company name : XXXX XXXX XXXX that I never heard of and I never made any transfer to this company and they told me to call the interactive to ask for refound and I did and the company told me that I dont have any account with them and they told me it was a compromise account from your bank and only way to get my money bak is trough Wells Fargo bank to reclaim the money and Wells Fargo refuse to reclaim the money and I called so many times to reopen fraud claim and they refuse and finally when I told them I made a police report and FBI report they reopen my claim for 7 day and they told me that they will refund my money bak and I kept to ask for the claim status and they keep telling that still under investigation and they denied again for same reason.

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 2021-07-08
Company: Experian Information Solutions Inc.
State: WA
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 an account from XXXX XXXX XXXX  owing over {$45000.00}. Experian continues to report that Im to pay {$45000.00} per month even though I sent them proof that I have an agreement to pay {$250.00} per month. All other agencies has corrected to monthly payment amount but Experian refuses to thereby causing my credit score to stay low and creditors believe that I pay over {$45000.00} per month in child support which is not true. I have been disputing for 2 years from XXXX Now Experian is refusing to accept my disputes which is against the law. The will not fix my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation