BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
When COVID struck back in XXXX, we ( XXXX XXXX ) were offered by Ally Financial and through no petition of our own deferred payments on the three loans we had with them for a period of six months at which time we were current on all loans. During regular collection calls we informed them that drivers had absconded with the vehicles and we were having difficulty locating them. Needless to say, when the period to resume payments came, we still had not located the vehicles and the police department told us that because of NC law we could not report them stolen, but they would be entered into the national data base to assist us in trying to find them given that our drivers were XXXX XXXX XXXX and last contacted in different states. We found one and resumed payments. We just receive notice from XXXX  on XX/XX/XXXX that the van had not only been obviously located by Ally, but appears to have been auctioned off without our knowledge or an opportunity to cure. We assert under penalty of perjury that we have not been served with any documents apprising us that this was going to happen. Now I look on my personal credit report ( even though the company is an LLC ) and see that I am asked to pay a debt of over $ XXXX which we presume to be some shortfall after the illegal seizure and sell of our vehicles. On those vehicles we put down over $ XXXX down payments and made ON TIME payments for over two years. We have been deprived of our rights and lost an inordinate amount of money as our property has now been sold. Ally stole our property given that the payment had just come due and was right at the 30 days delinquent mark. Our business has been crippled amidst COVID, but this was fraud in its simplest and most basic form, which only exacerbates our losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I closed one of 3 Citibank CCs. Subsequently, Citi sent me an offer to open a new card promising XXXX XXXX miles if I used the card to pay {$3000.00} in bills in 3 months. 

I opened the account, used the card to pay {$3000.00} in bills -- far more than that -- and never received the miles. 

After raising the issue Citi claimed that I should have noticed the small print stating that I would not receive the points if I had closed a card or opened a card within 2 years. Of course, they knew that I had done that before they made the offer. They have my contact information but made the offer anyway. 

Legally, this is fraud in the inducement. The elements are 1 ) a promise is made, 2 ) the plaintiff acts to his detriment on reliance on the promise and 3 ) the plaintiff is damaged. 

If they had been truthful I would have use the Citibank XXXX card and received benefits. 

I lost the promised benefit of XXXX miles and also lost the benefit of using the XXXX card instead. 

They owe me XXXX 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 2020-11-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened 3TD bank accounts 2 of them still have the initial deposit being held and the other checking account, the funds were released to me and 15 minutes later there was a hold placed on my available balance and now I am back in the negative with my account balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: MS
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 XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates payments will be removed. 
XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
During the time of the collections, insurance payments took care of them. I was also was laid off from my jobs. Covid-19. The amounts on file from this collection agency changed and are incorrect. I couldn't possibly pay new and incorrect amounts being unemployed. Also, these calls were before XXXX in the morning. Threatening and abusive language was involved on the part of the collection agency. I certainly have no intention of fraud and I don't need or want the so called luxury of lying about it. I can't be hampered by both horrible employers, who're broke and fraudulent themselves, along with an abusive employee of a collection agency. There's no way on earth. I took action on XX/XX/XXXX and on XX/XX/XXXX. I politely told them to stop calling me. I've had an experience with a collection agency which hounded me in the past. I paid them in full and they were abusive and called constantly. This is a new scenario. This debt collection agency hounds me. I had had their collections removed. But not on all sites. Disputes have been made. Investigations are pending all across the board. Those were done again today : XX/XX/XXXX. I'm a XXXX XXXX XXXX in good standing. These collections are inaccurate and need to be removed. I pay my debts in full. I need this problem to be resolved with your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed these charges numerous times & no validation with my signature has been provided. 
After viewing a copy of my credit report, I noticed a collection account placed on my credit from Gold key INC in for {$210.00} & {$53.00}. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.

This company only sent me a letter saying it was validated by the creditor does not show where I signed for anything nor any kind of proof or validation. I have disputed this debt numerous times. I have no knowledge of these charges nor do I have a contract with gold key. No validation has been provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see XXXX XXXX XXXX reported to the Experian that i applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit. 

My personal information on my credit report is inaccurate as well. I have requested to have my addressees, hone numbers, and names correct on my report this is a violation on my consumer protect rights.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent by regular mail correspondence to Experian and they have returned the mail two times. In addition, they keep reporting LexisNexis is verifying a bankruptcy that does not exist. I have from all XXXX information and there is no way that any of the 3 major bureaus or XXXX could verify.. 

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from XXXX that is frozen.

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 2018-04-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, Experian, XXXX XXXX ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Experian : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in XX/XX/XXXX/XX/XX/XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( XXXX XXXX ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your XXXX credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc. 

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.

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 2018-07-12
Company: CITIBANK, N.A.
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:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. 
I dispute the XXXX Account # XXXX, Opened XX/XX/XXXX because that item was opened by someone who stole my identity and it is inaccurate. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that item be removed immediately to correct the information. 
I previously disputed this item with all three major credit bureaus and that account was DELETED from my XXXX  credit report in XX/XX/XXXX ( enclosed ). XXXX  advised me that they informed XXXX of that fraudulent account, however the XXXX Account # XXXX still shows on my XXXX file. 
Finally, I resorted to file a complaint with the Consumer Federal Credit Bureau because I believe that both the retail store bank and the credit reporting agency have violated my consumer credit reporting rights. 
Please investigate and correct the disputed item as soon as possible.

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 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, XXXX, Trans Union ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Trans Union : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in  XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( Trans Union ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your TransUnion credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc.

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.

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 2020-07-07
Company: Experian Information Solutions 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 have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I had not knowledge of. I went to the police and filed a police report report and an FTC report as well. I'd like you to help me resolve this issue, Thank you.

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 2020-11-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Dear Sirs : My credit card company is charge me every month doubled the payments We are in pandemic situation I pay every month but this people are brutal very unfair Businesses practices, I call several times to dispute the charges but not one can not help me, ask them for a replacement of my card but nothing yet, I dispute a charge was clone card and they never help me. 
How you can help me.? 
Thank you.

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 2018-09-26
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/18, I test drove a car at XXXX XXXX in XXXX, MA. Without my permission, they ran a hard inquiry hit on my credit. They ran it 6-7 more times on Monday, XX/XX/18. I did not give them verbal or written permission to do so. They are also being investigated by DA office for unfair and deceptive practices. They said I couldn't buy a used car from them if I didn't use their financing at a higher rate than the financing I had through XXXX. They are breaking the law on both counts. 

When I called XXXX XXXX, the Sales General Manager ( the one responsible for all of this ), he said he can do whatever, however he liked, and run his business any way he wants, even after being informed that these things were illegal. 

The hard inquiry hits to my credit has brought down my score and jeopardized my ability to get competitive financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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:
I applied for a loan modification in XX/XX/XXXXwhich was denied and I kept trying for the loan modification until XX/XX/XXXXthey made an offer but the offer consisted of the same terms that was already in place. I did not accept so consequently, the Bank of America did not offer again for 6 years whereby they were not accepting any payments. 

However, in the interim I voluntarily released the property to the Bank and the Bank has sold the property ; but they are holding me hostage whereas I am not able to purchase any property for another three years. I assigned the property to the Bank in XX/XX/XXXX-XX/XX/XXXX. If the Bank has sold the property to another buyer I should not still have the negatives still on my credit report. It is unfair.

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