BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Yes I've been trying too get another car exstention on loan. Due too hardship. I'm XXXX XXXX XXXX living paycheck too paycheck. Trying too make ends meet. Been diagnosed with XXXX. Also on SSDI. Now ally bank. Every time I call them for another car exstention. I get the run around. They run my information into some bot. Computer. Get denied. Only asking for 1more month. Trying too avoid putting car into XXXX XXXXbanktupsy. Wana try work with them too avoid XXXX XXXX. Know body wins in the end with XXXX XXXX. Wana work with them. Also please have a top Manager get back too me. Don't want same old person on my case getting back too me. This same old guy is pathetic also my landlord raised my rent too

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 2021-07-22
Company: CIT BANK, NATIONAL ASSOCIATION
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:
After carefully reviewing my credit report, I noticed an unauthorized inquiry from your company. I have not given your company permission or reason to run my credit. I've sent numerous letters requesting any proof that supports this unauthorized inquiry. You have not responded, so you must contact the credit bureaus and request that the inquiry be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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
Consumer complaint received 2019-03-27
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:
My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially XXXX   XXXX  XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} EQUIFAX XXXX XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX XXXX XXXX Fraud and XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX Senior Vice President XXXX XXXX Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX vice president chief legal XXXX Equifax llc XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
This a continuation of complaint XXXX. As a result of that complaint my interest fees were waved on XX/XX/2021 from months previous to XXXX. While this complaint was being settled, I was charged an additional {$380.00} in interest charges on XX/XX/2021, based off charges that were on my account that was later ruled that it shouldn't be there. I called American Express on three occasions afterward in order to fix this on my account but I never received a call back from anyone. I then paid off my account in full minus about {$300.00} that should've never been on my account due to the previous ruling and was charged {$36.00} on XX/XX/202. I am asking that {$420.00} in interest charges be removed due to that balance only being there due to error from American Express which has already been acknowleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company was dissolved back in 2020 due to identity theft and fraud issues, the business reported all incidents to the local slc authorities however XXXX refused to honor valid and active police reports. The debt is due to fraud and identity theft under a LLC that has been dissolved. It is illegal to obtain or seek debt collection of an LLC alleged debts from any of the members personal assets. XXXX has tried to go around the law to seek alleged collections from a dissolved LLC to obtain collection from members personal assets. Trying to enforce the law by indirectly breaking the law. The balances Knights collection are seeking there is no record of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Grain Technology, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Grain Technology will not respond to several attempts made. I got one response on XX/XX/XXXX via email after trying to reach them since XXXX. My account can't even be accessed via the app. it's wanting me to set up an account again even though my information is present so i can't get to my screen even if payment was to be made. Stop payment was placed on my account to prevent grain from debiting my account at random moments causing me NSF fees with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my fileXXXX 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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: ENCORE CAPITAL GROUP 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:
Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 Please remove this inaccurate information from my credit report. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I went on Freedom Mortgage 's web site to pay myXX/XX/XXXX mortgage payment on XX/XX/XXXX. The site did not take the payment so I called Freedom Mortgage and they told me to resubmit the payment on XX/XX/XXXX. On Sunday XX/XX/XXXX I went to XXXX XXXX to get cash from my ATM and noticed my account was {$910.00} over drawn. I went home and checked the Freedom Mortgage site and determined that myXX/XX/XXXX mortgage payment was paid on XX/XX/XXXX andXX/XX/XXXX, duplicate payments. I called Freedom Mortgage Monday, XX/XX/XXXX and they would not reverse the duplicate payment so I'm 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 2023-06-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I was approved, ( after being targeted with an email to apply ) for a Citi XXXX XXXX Advantage Platinum Select credit card. Spending {$3500.00} in XXXX XXXX would earn XXXX XXXX XXXX miles were the terms of the offer. I accomplished that within those XXXX months and noticed that my miles were not credited to my account. 

I called Citibank and was told that because I had previously owned that type of card ( and cancelled it in XXXX of XXXX ) I was not eligible for the XXXX bonus miles. Needless to say, I was upset with this situation and felt that the email urging me to apply for the card was fraudulent in character. 

I say it was fraudulent because that email that I received urging me to apply for that card said NOTHING about my not being eligible for the bonus miles if I had previously had such a card in the past XXXX  months. If it had made that point clear I never would have applied for it. 

Simply put, I feel that I rightfully deserve those XXXX bonus miles.

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 2021-05-21
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Amerisave used bait and switch tactics and fraudelent contract misrepresentation to gain our business on a refinance. We applied for a refinance on XX/XX/XXXX and reviewed the contract sent over by Amerisave. We questioned the contract when we saw that the rate wasn't fixed and we were told multiple times verbally and in writing that the rate was fixed and not to worry. Based on this information, we signed the contract and paid a {$500.00} application fee to Amerisave.

We contacted Amerisave several times via phone and email to make sure we didn't need to provide any additional information. In XXXX we became concerned that our rate might expire based on the delays on Amerisave 's end. On XX/XX/XXXX we were told in an email by our loan processor XXXX XXXX XXXX XXXX that " I will ensure your rate will not expire if XXXX XXXX XXXX is slow on finding an attorney. '' He also advised us to take the first appointment offered by the title company. 

When the title company called on XX/XX/XXXX they offered us a closing on XX/XX/XXXX at XXXX which we accepted. We forwarded the appointment information to our loan originator and processor the same day, and our loan processor confirmed he received our email on XX/XX/XXXX and said he would have documents prepared for the closing. We checked in with Amerisave on XX/XX/XXXX and did not receive a repose. The night before our closing the title company said they never received paperwork from Amerisave and needed to postpone our closing. 

Our closing was then rescheduled to XX/XX/XXXX, and Amerisave ended our rate lock on XX/XX/XXXX ( the next business day after our original closing date ). Amerisave then provided us with a new set of costs and terms on XX/XX/XXXX that was {$5600.00} more than our closing documents from our XX/XX/XXXX planned closing. At this point we ended our business with Amerisave since they refused to honor the original terms. They refunded our {$500.00} application fee, but because of their illegal lending scams we missed out on record low interest rates. 

This is a clear bait and switch tactic - Amerisave refused to honor our agreed upon closing date then tried to charge us over {$5000.00} the following business day. We ask that Amerisave reimburses us {$5600.00} since this experience forced us to miss out on the great rate we locked in in XXXX. We can provide any additional proof, emails, contracts as needed to prove our case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to validate these items and it is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items listed below : XXXXXXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : 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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.

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 2022-05-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-03-11
Company: JPMORGAN CHASE & CO.
State: MO
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:
Please investigate Chase Bank credit score reporting practices. They are discriminating on the basis of neighborhood XXXX composition or income when they hand out " free '' credit scores. Evidence from today XX/XX/18? My FICA score with XXXX is XXXX, with XXXX credit score is XXXX, both excellent ratings and deservedly so. My credit score with Chase is XXXX, a B score, and it contains misinformation regarding my account history. 

What Chase is doing to me is irrelevant -- nothing will change in my life. What Chase is doing to people on my block and in my neighborhood is a crime. Chase is preventing my neighbors, who have no idea that their credit scores are being underrated, to suffer the consequences when buying a house, home, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I set up autopay when I created the account, and paid on time for a full year. Recently, I received a letter stating that I had a past due balance and a late fee. I called to find out what the problem was, and found out that they turn off autopay if you pay your balance, which is not how autopay normally works, and I was not notified that autopay was turned off. I paid the remaining balance and was told that the account would be closed they would remove the late fee. However, they kept sending statements and reporting that I was late. I disputed the fees and was denied.

Company response to consumer: Closed with monetary relief