BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: Rocket Mortgage, LLC
State: FL
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 was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX of 2017, I financed a XXXX through " Care Credit ''. I was told this was a special card to help cover medical expenses. I was told the balance would be divided up into the number of months within the promotional period ( in my case I requested 24 months ) and that as long as the payments were made on time, and no other charges were made, the balance would be paid by the end of the 2 years and no interest would be charged. As soon as I opened the card I registered for an online account so that I could set up auto pay so there would be no risk of violating the rules of the promotion. I also signed up for email alerts so I would receive notification that a payment was due and that payment was made. This month, when I received notice that payment was due, I realized I had already made 25 payments so the balance should have been cleared by now. I logged into my account and found that I somehow still had a {$12000.00} despite already having paid back the {$10000.00} that I had originally financed. I started looking through all the online statements ( which I had not been looking at since I had set up auto pay and was not charging any additional purchases to the card ) and I noticed that I had been charged a {$160.00} " security service fee '' every month. I don't know what this service is and I certainly never authorized it. I would have no need for any additional security services on a card which was opened only used to finance a single charge. 

Since {$160.00} of my monthly payments were going towards this fee, and not the balance, after the 24 months, I still carried a balance and therefore seem to have been disqualified from the promotion. The monthly statements are so vague it's impossible for me to understand how the current balance is possible. I see no explanation of the promotion rules, the promotion period or of the additional service charge. 

This is a scam designed to disqualify anyone from actually receiving the advertised promotion and causing even a consumer who has never made a late payment to be penalized with an absurdly high interest rate.

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 2019-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a bank note check from XXXX ( I sold them my vehicle ) into my account on XXXX-19 for {$3000.00}. According to the CFPB checks over {$200.00} but less than {$5000.00} should clear in 2 business days. I was advised by Bank of America that the funds would not be released until XXXX-19, which is 8 business days. I believe that they are holding my funds and gaining interest on my money for extra days rather than releasing the money into my account. Can you please investigate and advise if this is an illegal practice.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: SC
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.

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 2021-12-03
Company: DriveTime
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:
On XX/XX/2020 and XXXX XXXX DT Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX  XXXX XXXX pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Every year I call to cash out my rewards points and Bank of America always adds an additional XXXX points as a " thank you '' for being a long time customer. Every year these extra XXXX points take about 3 to 7 business days to process and they are ready for me to cash out. You will be able to pull my history and see this fact from prior years. 

This year I did the same process on XXXX though for some reason the XXXX points were still pending after the above time frame. On XXXX I spoke with BofA Rep XXXX and he apologized, said it should never take this long and gave me an additional XXXX points for the trouble caused. Plus he said he was writting up an Expedited email, Ticket # XXXX to make sure all XXXX points would be available to cash out on XXXX. 

On XXXX the points still were not processed so spoke with BofA Supervisor XXXX XXXX at XXXX who PROMISSED that the points would be ready for me to cash out XXXX. You can pull the recorded calls on both the above BofA Reps to confirm what they promised. 

On XXXX the points still were NOT processed. So I spoke again with XXXX and he and his Manager XXXX XXXX at XXXX pulled both above calls and bottom line, XXXX came back to the phone to say he and XXXX made a mistake in their promises. 

However will honor the above additional points though it would be ANOTHER 7 to 10 Business days. Please note, this time frame is just to approve the points,  it takes an additional 10 business days to receive the actual check. 

I asked that since the agree, it was their mistake, to owner what the Reps said and approve the points immediately and to send the cash out check via priority mail. XXXX said NO! So I filed a complaint with BofA Corporate office XXXX XXXX, Manager XXXX XXXX in the Delaware office. 

Received a call from XXXX XXXX on XXXX basically going over AGAIN why they will not expedite this process then said, " I am just going to be blunt, you should find another credit card company! '' Unacceptable so now I do not know if XXXX is now preventing my points from processing. Plus, you should never speak to a customer this way.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.

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 2022-04-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2 : It also states that a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-12-03
Company: EQUIFAX, INC.
State: OK
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been disputing an account that is reporting on my XXXX credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. Tranunion and XXXX  has deleted it since but XXXX is still reporting it. I tried to re-dispute it online again with XXXX but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on XXXX credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and transunion deleted it so should have 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 2021-12-03
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:
Why I still see that negative information. This is nit my accounts I believe someone hacked my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: EQUIFAX, 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:
Equifax utilized my report improperly by divulging my confidential information without consent. Equifax confirmed on their website that my information was impacted by their data breach. Meaning : I am now at a significant risk of dealing with accounts being opened fraudulently with my information and also my existing accounts are at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: SC
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.

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 2022-04-29
Company: EQUIFAX, INC.
State: SC
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to contact Equifax after learning that my data " may have been '' compromised to find out how to protect myself from identity theft and/or fraud. 

I have tried phone calls ( various numbers ) for the past two weeks but can not reach a person. I have tried to cancel my account by email, postal letter and phone to no avail. At the same time, I signed up for their " supposedly '' free identity theft and monitoring service www.trustedid.com but can not reach anyone or manage the new account as the website is " not available ''. 

Frustrated and concerned - Equifax is abusing its consumers and their management may be criminal in their conduct. Write your congressional representative!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, 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:
I am a victim of Equifax 's data breach which exposed millions of American 's personal information to unknown sources. As a result, I could be targeted for identity theft or other financial crimes. This is one of the largest breaches of information in history and Equifax failed to keep this very sensitive information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020, XXXX XXXX/XXXX incorrectly reported a past due balance of {$100.00}. The remaining balance of {$37.00} on account in question was paid off on XX/XX/2020. I requested this discrepancy be corrected, but have not received any further assistance with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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 did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is reporting an old address on my credit report that has n't been mine in almost 10 years. Usually I would n't mind but, it just appeared out of the blue in a address update they just recently did. I 'm thinking it might be identify theft, with all the credit info being stolen. My address is in XXXX for years now. As a matter of fact when I left XXXX I broke the lease, and I named the XXXX ( the name of the community on my Bankruptcy ) I do n't know why now it would surface and from where?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: DE
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:
Experian is reporting incorrect and inaccurate information on my consumer report. I did not give the permission to do so as required by the FCRA. I am a dictum of Identity theft and I want Experian to stop exploiting my consumer report for their gain.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: CT
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:
The credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is not accurate, and the date last reporting is not accurate? This is grounds for removal. They also violated my rights under 15-USC1681 602 ( a ) states I have a right to privacy.. 15USC 1681604 ( a ) It states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I been filing this dispute for about the 3rd time I have not have had any luck with removing the items and its causing me a great deal of stress. ive provided proof and there hasn't been resolved please help me fix this issue so I can try to get a home.

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