BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an initial fraud alert on my Experian credit report. I have been trying to have it removed from my credit file for almost 100 days. I initially contacted Experian by phone, and their automated system advised me to end a letter. I did so on XX/XX/XXXX. After two weeks, I again checked my credit report to find that it was not removed. I sent a follow-up letter as instructed by Experian on XX/XX/XXXX.

Since then, I have tried to call Experian, but their phone system makes it literally impossible for me to speak to a human. The one time I got put in a phone queue to talk to a human the wait time quoted was " over 2 hours ''. Just today, on XX/XX/XXXX I was on hold from XXXX EST till now, XXXX EST waiting, all the time getting an endless loop of onhold phone music and company propaganda.

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 2018-12-19
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:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step-up and correct the status because I was never late on my 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 2019-08-28
Company: Santander Consumer USA Holdings Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX Bridgecrest sent me an email acknowledging Thank you for the one-time recent payment made on XXXX  : Thanks for your recent payment! 

XXXX, Thank you for your one-time payment made on XXXX 

Payment amount withdrawn : $ XXXX Account number : XXXX After being unsatisfied with how Bridgecrest resolved my request to have my one payment I missed during the Hurricane removed, I switched loan creditors. My new creditor, issued Bridgecrest a check for {$12000.00}, which they clearly received and cashed. However, Bridgecrest is still reporting to the credit bureaus that I have an open balance with them, even though my new loan company has paid them. Bridgecrest also certified by law, that the information they reported to XXXX is accurate as of XXXX The XXXX investigation started on XXXX  so Bridgecrest knowingly and intentionally, provided false information to a credit bureau even after they were paid and know I dont have any remaining balance with them. They have done this with other credit agencies and there seems to be a pattern here. I want my credit accounts updated accurately to reflex my accounts with them are paid. They need to be held accountable for these illegal and fraudulent practices. Thanks

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 2018-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I applied for a direct deposit balance transfer ( {$5000.00} ) online to my Bank of America Rewards Visa Signature - XXXX. The direct deposit has a 3 % balance transfer fee ( {$150.00} - 3 % of {$5000.00} ) and a promotional rate of 0 % APR until XX/XX/XXXX ; the Offer ID is XXXX. On XX/XX/XXXX, I incurred a interest charged of {$17.00} for direct deposit & cash advances at variable APR of 24.74 %. I called Bank of America on XX/XX/XXXX, and informed them they made an error on the APR and that I should have the promotional rate of 0 % APR. The customer service representative informed me that a manager will look into the issue and get back to me by Friday, XX/XX/XXXX and no later then Monday, XX/XX/XXXX. On XX/XX/XXXX, I called Bank of America for a status update and was told that another " manager '' will look into the issue and I should get a call back by Tuesday, XX/XX/XXXX. I did not receive a callback on Tuesday ( XX/XX/XXXX ) or Wednesday ( XX/XX/XXXX ). On Thursday, XX/XX/XXXX, I called and, again, was told that a manager will investigate the issue and will reach out to me by Monday, XX/XX/XXXX. I did not want to take another chance by waiting until Monday, XX/XX/XXXX. 

From XX/XX/XXXX and to date, I am being charged interest. I feel Bank of America is deliberately delaying the resolution while I am accruing interest while waiting for them to fix the error. I called in three times, described my situation to three different customer service representatives, and was lied three times when the issue will be resolved. I do not understand why they can not provide me a confirmed offer of 0 % APR ( Offer ID XXXX ) but insist on charging the high 24.74 % APR. I have never been late on making payments and part of Bank of America Preferred Rewards Platinum Honors.

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 2018-08-20
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 my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with XXXX  and XX/XX/2018 with Equifax. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/2018 ( see attached ) and XXXX   since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called American Express to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but American Express would not re-open my account or take ownership for their CSR 's mistake.

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX,  so there is no reason for that to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Guild Mortgage Company rejected both my Mother and my payments. The Note Contract is very clear, My Mother XXXX XXXX and I XXXX XXXX have 15 Calendar days pass the first of the month to get the payment to Guild Mortgage Company which totals {$1100.00}. It does not says WE CAN NOT send two checks that totals {$1100.00}. My mother and I are separate entities and are NOT married to one another and have separate checking accounts and do our business separately. Guild Mortgage Company is confused when they read the Deed of Trust that states they can reject partial payments after the 15 calendar days, but our payments were received by Guild Mortgage Company on XX/XX/2019 and XX/XX/2019. Because of receiving these two checks that totaled {$1100.00}, they believe they are in the right to reject payments, but in turn are breaching the contract and technically at that point XXXX XXXX and I would owe nothing once a contract is breached. The Month of XX/XX/XXXX Guild Mortgage Company excepted two separate checks one for  {$500.00} and the other for {$630.00} on the XX/XX/XXXX of the Month and marked these two payments as a single payment into their system ( Which is also a banking violation ). I need this issue corrected ASAP on loan number XXXX. 

BORROWER 'S FAILURE TO PAY AS REQUIRED ( A ) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be XXXX of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
There are inquiries on my report and I dont understand why they are on there. Someone have tried to get credit in my name and open accounts. The one that concerns me is Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Wells Fargo consumer checking account inXX/XX/XXXX( my first one ) to receive the bonus offer of " $ XXXX of direct deposits for three consecutive months will qualify for a {$300.00} bonus within 45 days of meeting the qualifications. I met the qualifications in the beginning of XX/XX/XXXX( direct deposits were in XXXX,XX/XX/XXXX and XX/XX/XXXX ) and 45 days later had still not received my bonus. I have tried to resolve this for 3 months since meeting my bonus and there is no resolution. They are not honoring their advertised promotion.

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 2017-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/XXXX three separate payments were deducted from my bank account - for the monthly car loan payment of {$200.00}. 

XX/XX/XXXX, {$220.00} was withdrawn from my account twice on that date : XXXX XXXX had GPS locator on my car plus the ability to lock it soI couldnt start the car - until I paid them the amount they demanded. On two other occasions in XX/XX/XXXX, they came to the parking lot where I was grocery shopping and proceeded to toll my car - they insisted that it would be tolled unless they got their money right then. also they said if I couldnt pay to call a relative or friend and they would have to have the {$200.00} submitted through XXXX XXXX by with a bank debit card - not a XXXX Credit card. the last time they came to the place I was staying early in the XXXX Around XXXX and put the car on the toll truck - with the strong warning that if the payment wasnt submitted right then - my car would be tolled and repossessed - so they did.

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 2019-06-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended XXXX XXXX University and graduated in XXXX with my XXXX degree and then in XXXX with my XXXX degree. 
Since then, over the years there have been periods where I had my payments reduced or deferred. I learned about this when I called to make a payment. I was informed that I can pay a reduced amount each month or that I can have payments deferred. One thing that they never told me, that I only recently found out about is, loan forgiveness. I would totally qualify for loan forgiveness except for the fact that I did take advantage of the deferred payment. 

I began working for the XXXX District Attorney 's Office in XXXX and continued to work there until XXXX. ( Also worked for the XXXX County DA 's office XXXX, totalling 16 years in public service ). During this entire time, I was never informed of the loan forgiveness which indicates that I would qualify as a public servant/ government position. 

So here I am rather than taking tremendous steps forward, I have incurred further debt when I should've been getting rid of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative stated that " no such law exist ''. I informed the representative that I will be forwarding over supporting documents in writing by via XXXX Certified Mail on XX/XX/2021.

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 2019-06-11
Company: EQUIFAX, INC.
State: KY
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 student loan originally started with XXXX. They transferred my loan to XXXX I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus XXXX, XXXX  and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX  each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 student loan originally started with XXXX. They transferred my loan to XXXX  I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus XXXX, Transunion and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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 status incorrect

Complaint:
This company is reporting me for being delinquent. I paid for them months and months ago. 

I reported them to YOU. They said I'm not delinquent. My report literally says delinquent. 

They're committing fraud, then lying about it, AND YOU DO NOTHING. 

Please help me.

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