BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Avid Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have been harassed via phone by XXXX XXXX with Avid Acceptance about a previous loan I had with his company. XXXX XXXX I fell victim to a flood and my car that was financed through this company was deemed a total loss. My apartment and all of my family 's contents were destroyed. My insurance company did not pay the full value of the car nor did I have Gap insurance as I was told I had. I never thought to check the information but found out the hard way after my car was totaled out. Insurance then pushed me to get a new vehicle or be without a car or get a rental at my own expense. I spoke with the Avid Acceptance whom told me they would not finance me until my current loan was paid off. I had to go through another company to get a car for my family, clothes, place to live etc. XXXX has been calling my boss stating that I gave her as a personal reference apparently she gets so many calls she begged me to call him, and tell him to stop calling her. I was not made aware that I could make this complaint or even if something will be done about it. I just need him to stop calling my boss. I have tried to negotiate to get this debt taken care of but what I can afford and what they want me to pay are two different things. I can not even get on the website to make some kind of payment because he says he can not agree with it.

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 2018-07-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I reported my Lowe 's Advantage card lost and the account was closed on XX/XX/2017. No purchases was made on the card, as it was never activated. A new card was issued on XX/XX/2017. The closed account is being reported on my credit report by the credit reporting agencies. I contact XXXX XXXX asking them to remove the closed account from my credit report, as I never authorized such by contract or otherwise. A representative informed me that they would contact the agencies to removed the information from my report. I received a letter from XXXX XXXX that the account may stay on the Credit Bureau for 2 years. Without Prejudice

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 2023-01-11
Company: EQUIFAX, INC.
State: IL
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 remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was traveling in XXXX.While in the lobby of my hostel I was introduced to a man from XXXX named XXXX Instinctively didnt like this person. A day latter he asked for me and was told I was not there.Now Im more skeptical. Next day he accidentally encounters me in the park I dont wish to be rude so we spoke He abruptly went to buy some bottled water and orange juice which I didnt ask for. I drank it and was drugged .He ended up with my phone and three of my credit cards. I could not move to catch him I was in the park for hours. I went to the police they were of little help But I made a police report typed in XXXX of course. Went to the hospital wanting to explore what was given to me. Im alone with no money, no phone and no return trip. Went to XXXX XXXX again no help. I notified the credit card companies as soon as I could.Remember, no phone.My daughter bought me a plane ticket home. My plan was to continue on to XXXX and XXXXHowever ; Upon arrival i receive charges. O one account {$1900.00}. I contested these charges twice and sent in the police report to them. The credit card company sent me a letter saying the charges are valid. I have paid this amount but grudgingly.Now, I turn to the governing body. I can supply all necessary documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When XXXX XXXX XXXX  sold Mortgage Loan to Rushmore Loan Management Services Inc. the said company resumed the demand to pay the outstanding balance for the mortgage loan which I already mentioned to them I am not behind on mortgage payment. So I submitted supporting documents to support my statement. From this submitted supporting documents, a Staff was assigned to resolve the issue. her name is Ms. XXXX XXXX. After talking and explaining to Ms XXXX about how the issue or problem was developed, she apparently shown a deeper understanding on how to resolve the issue. I requested to get all the phone record of conversation while I am making a payment over the phone every 2nd Tuesday or Wednesday of the month. Ms. XXXX promised she will do so but after almost two weeks past, Ms. XXXX was removed from her assigned duty. instead I got letter from Rushmore about the information provided by XXXX XXXX XXXX were correct. The question how can it be correct when our Mortgage statement last XXXX and XX/XX/2013 were current. In fact two loan mortgage payment were recorded on our property and yet the XX/XX/2013 mortgage statement shown we were 2 months behind then XX/XX/2013 we were 3 months behind? The question How? when two mortgage payments were recorded on XX/XX/2013 then there was record of payment for the month of XX/XX/2013. Do they know really what they were talking about?

This problem they are just dragging it around make me very stupid like I don't know what I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reporting act ( XXXX XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019, I was attempting to make a payment to my XXXX rewards card. My checking account routing number and account number was entered into their online system. After entering all information, I received a conformation email as if a payment was received. On the same day, I entered another payment of {$100.00} dollars for the following month payment and I received a confirmation email. On XX/XX/2019, 1 month after the due date and after contacting the company, I realized that the payment was never received. I was never noticed by email or phone that the account information was entered incorrectly. Now the company is reporting a 30 day late to my credit. 

When speaking to a representative from your company, my information was given to someone else over the phone without my authorization. The representative number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: NV
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
I received a referral from a friend for the American Express XXXX XXXX XXXX card, which offered XXXX miles if you spent {$1000.00} in the first 3 months and have never received a bonus on the card ( I have not XXXX. In short, I did n't get the bonus - but they have admitted to me that it is indeed owed to me but nobody is able to make the adjustment. I followed their process, but it has now been like 4 months with multiple deadlines passed that they gave me for resolution. I waited the first XXXX weeks for the bonus to post, it never did. I contacted them to open a case to research, which they told me would be XXXX weeks. The result of that is they closed it and admitted I fulfilled the offer, however they identified a large number of accounts that the bonus failed to post to. They told me it would be resolved in XXXX days. That deadline was earlier this week. When I contacted them, they said they are n't sure why I did n't get it but would open up another case and I would know more in XXXX weeks. I would like your help to get these bonuses paid out, for myself and everyone else. Waiting XXXX months is not right when they have admitted that they owe them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY IDENTITY WAS USED WITHOUT MY CONSENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS .. 
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-10-14
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter.. The stuff on my report is inaccurate and unverifiable. date opened, last reported date date last active and date of last payment were totally different, I cant believe you guys are taking advantage of me IM REALLY UPSET!. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out.

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 2023-02-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: U.S. Auto Sales Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: OH
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:
Experian removed a item from my credit report on XX/XX/XXXX2018 and reinserted that item without notifying me within 5 days in violation of 15 U.S. Code 1681i. Procedure in case of disputed accuracy U.S. Code

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 2023-02-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Transfer money to nephew using XXXX through bank accountTruist on XX/XX/2022 Discovered recipient had closed account. 
1. Tried to cancel money transfer. 
Closed recipient, removed name from my account.

2. Called bank.

Told transfer had gone through.

3. Demanded to speak with supervisor. XXXX said need to wait 4-7 business days for automatic correction. She stated nothing could be done until transaction cleared. ( Best of my recollection. I insisted that a record be created of my issue. 
XXXX said ok. Requested a copy was told they do not do that. 
Did not hear from my bank. 
XXXX. Meanwhile, the recipient of my transfer checked with his bank, and confirmed checking account closed inn XX/XX/2022. His bank promised to investigate. On or around week of XX/XX/XXXX my recipient 's told me his bank recommended I contact my bank ( Trust ). 
XXXX. On XX/XX/XXXX contact Truist. Bank representative asked me if I wanted to dispute the transfer. I said yes. She said it would take a week or so and I should call back. 
XXXX. XX/XX/XXXX, I called the bank. Bank representative said no record of dispute being filed. 
She contacted another office to investigate my issue. She said they reported that their files shows that my transaction was completed, the recipient received the funds. I disputed this since the account had been closed. 
The representative then proposed that I contact the person I transferred the money to. At first I agreed, later I decided this would unlikely solve my issue and told her I would file this complaint. 
I have a copy of the transaction receipt with XXXX if it's needed.

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 2020-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I opened the account I used my government-issued ID ( Passport Card ) to start a new account with Capital One.

Somewhere along the line I lost my old phone and got a new one. Upon attempting to reach Capital One about updating my account they stated my Passport Card was not a government-issued card. I then got transferred to a manager in the XXXX with agent ( XXXX XXXX ) that stated that my Passport card was a " XXXX '' and not a government ID. And to go get a Drivers License. I am a XXXX Veteran I can not drive. 
After disputing for over 2 hours I was sent to the fraud department with agent ( XXXX ). Where they told me to take a picture of the ID. I took over 10 pictures and the sofwate would not recognize the passport. She stated there was nothing else possible to do. 
after I mentioned her I was a XXXX veteran the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: IL
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, I did not give you ( Experian ) permission to furnish this information onto my Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my Privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent disputes via mail on XX/XX/2019 to Experian to dispute in accurate reporting of late payments from XXXX XXXX XXXX  XXXX. 

Experian failed to investigate in 30 days.

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 2020-10-19
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Me and my Fiancee opened up a joint account with Ally Bank to buy a home together after talking with XXXX. Upon funding the account with XXXX dollars, Ally bank rejected the transfer from my Fiancee 's  XXXX XXXX account for dubious reasons, I can explain details later. That's OK they reject the funds, but they NEVER returned the funds back to her XXXX XXXX account. 

This transaction happened on XX/XX/XXXX and we are no closer to receiving the funds as I am writing this on XXXX. It has been a full month. We have spent over 40 hours speaking with Ally bank trying to get the funds returned. The back office and Supervisor 's have been stalling, dismissive, and negligent in returning our funds in a timely manner. One supervisor told us she hasn't even seen something like this happen before. They themselves are confused with the transaction and haven't took initiative to return the funds. Every time we have called for a MONTH, the supervisors and the back office say it will take 2-3 business days, FOR A MONTH.

This has caused us great hardship during a time of this Pandemic. We've had to delay our home buying process. My Fiancee is freaking out that this substantial amount of money isn't being returned. She had to talk to a XXXX  after the incident and got prescribed medicine for XXXX  and XXXX XXXX for this. We no longer trust the banks.

This is through NO FAULT of our own and is 100 percent resting on  Ally banks negligence to return the funds immediately ( a month and counting ). We have confirmed with her XXXX XXXX account that this is 100 percent resting on Ally Banks end.

Ally Reference Number ( most recent one of MULTIPLE previous  reference numbers ) - XXXX Ally Back Office Reference 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 explanation