BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financials need to spelled my name right. Which is XXXX Also, I have been send a reminder notice of payment when I still have until XXXX to pay my bill. I personally call at the beginning of the loan and request for my due date to be move from the XXXX of every month to the XXXX of every month. I get paid on a Bi-Weekly basis and the payment is set automaticly for it to go on XX/XX/2016 and a payment of {$300.00} has been set. I do not understand why this company is harrassing me so much when I have always paid like this. I do n't understand why they are charging me so many late fees when I have paid. They move my due date to the XXXX of everymonth and after this day is when the late payments should be posted not before. Why they have not post a reacent payment of {$260.00} that I made on XX/XX/2016

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 2022-05-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX of my store credit card were closed due to inactivity and/or information in my credit report. I have several cards through them and the only XXXX they closed had a XXXX balance. When they closed these accounts it affected my credit score immensely. The XXXX cards that were closed are XXXX XXXX XXXX XXXX$750.00} limit ; Forever 21 {$250.00} limit and XXXX {$250.00} limit. The reason they were not being used is I had to fix my credit and couldn't use the cards because I was purchasing a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have had a longtime good relationship with USBank XXXX! I was XXXX while working On the Election Capagins XXXX in the XXXX XXXX XXXX XXXX. I had purchased a new Volkswagen Jetta Flex Fuel through XXXX XXXX in XXXX. I got the financing with XXXX XXXX and the XXXX. I got several XXXX XXXX Law Forms to help me get successful resolution of the insured debt and personal injury. US Bank did not have to pay off the accident. I am heavily insured and had a XXXX credit score. There was a change in management at US Bank. The new head is XXXX XXXX. I invested my settlement in a XXXX XXXX and a University XXXX XXXX XXXX. Employees at USBank and XXXX credit cards literally stole the monthly payment from XXXX of the Financial Institution with the highest ratings XXXX and America? While would USBank employees steal from XXXX XXXX. Fire the head of USBank XXXX XXXX and replace him with a more qualified woman president! Fir give my minor USBank credit card debt?

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2015-08-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX, I had some unexpected expenses. My car payment for the month was due on XXXX/XXXX/2015. Due to an out of town family situation, I did n't call Ally until XXXX/XXXX/2015 to request a deferment on my account. Up to that point I 'd had a perfect payment record for at least a year so I was immediately approved for an extension, 1 month per my request. I verified my information with Ally. As I have a physical address and PO box , I requested that it be sent to the post office. As a condition of the extension I made an immediate payment of {$170.00}. The actual amount to be paid was {$170.00}, but due to the language barrier, I was n't clear on the specific amount. I was then supposed to wait for my paperwork in the mail. By XXXX/XXXX/15 I had not received it. I called and talked to many representatives who said it was mailed. I was concerned about completing the transaction prior to the 20 day period of the extension terms. After many conversations, a copy was faxed to me. I immediately signed it and faxed it back. I watched my account to see if the extension was reflected, again getting nervous about the deadline and any impact to my credit. Again, after several conversations, I was told it was recieved so under the wire, I made the final payment of {$230.00} ( {$230.00} was the intended payment ) which would have been for the XX/XX/XXXX payment. I would then go back to my regular payment of {$590.00} for XX/XX/XXXX. Upon checking my account for my XXXX payment, I found a past due amount of {$170.00} with a late fee of {$29.00}. Again, after many conversations Ally reps have aknowledged that since the original document was sent to a PO box , that it was not valid. The payment I made to start the process for the extension was not applied to the extension, but my XX/XX/XXXX balance. I have spoken to a myriad of representative in the U.S. and even a manager in collections who acknowledges that this is what happened. They argue with me that I owe this when the copy of my extension agreement indicates no other charges. The last manager I spoke to, a gentleman named XXXX, said he would look into the situation and get back to me. This over the peiod of 2 months is still unresolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10
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:
I sent disputed to TransUnion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

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 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion has refused to provide me with online access to my credit report, claiming there are XXXX accounts associated with my social security number and has refused to provide details regarding the fraudulent usage of my SSN. They 've also refused to delete the inaccurate account associated with my social security number, claiming their information is correct. I submitted information regarding my identity, but they have refused to resolve the issue. If this is a case of identity fraud, they claim their information is accurate and refused to allow me to access my credit report online or off.

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 2015-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My mortgage account with XXXX has been brought up to " Current '', " PAID IN FULL and closed. XXXX letters confirming payment in full have been issued by XXXX, which have been sent to Equifax by registered mail and internet. Telephone requests to correct the credit files to indicate that the account has been PAID IN FULL have been made to Equifax XXXX. 
Equifax continues to report as follows : Status : Over 120 days past due. Consumer disputes account information. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
One party that denied credit told me by telephone that the report from Equifax could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people at Equifax I have contacted recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am having a problem with Equifax Credit Scoring. My Equifax score has a range of over XXXX points difference depending XXXX where the score is pulled. When I pull it from various credit monitoring sites I get a low of about XXXX ranging up into the low XXXX 's. But when XXXX Bank pulls it for a XXXX heat pump loan they are getting XXXX. I talked with Equifax and they can not explain it. XXXX says they have to use Equifax and that I need to get resolution from Equifax and XXXX Bank. XXXX wo n't talk about it and Equifax ca n't explain it. I need my heat pump replaced before winter and I ca n't get anyone to figure this out and get a true Equifax score. Since Equifax ca n't explain how the score could be so different when pulled from different sites, it may be that the problem is with XXXX Bank and their use of the score. XXXX requires use of Equifax and it looks like XXXX may be manipulating the score to make it be below the XXXX minimum of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is continuing to show inaccurate payment status information for the mortgage account under the name XXXX. Though it has been provided with the facts, it has refused to apply them to this account. Instead, going to the offender and accepting the erroneous information that 's given to it as truth. The responsibility to make sure information is accurate is Transunion 's and it continues to fail at this responsibility. This could result in a judgment against it, in a court of law. And, the fact that XXXX may have continued to feed inaccurate information will not immune Transunion from neglecting the facts! Thus, I am disputing once again the erroneous " late payment '' information under the XXXX account, and am submitting additional proof that XXXX is deliberately providing false information to Transunion, so that it can take the appropriate action to correct these errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Johnson Mark LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I was sued by XXXX XXXX XXXX for credit card debt. All funds in my checking/savings accounts garnished. I was solicited and brought into a binding contract with the original creditor as a minor. Credit report shows false information regarding my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed a collection with all credit reporting agencies about a collection that was paid and the creditor has disputed the collection as well and has asked all credit reporting agencies to delete the collection from my credit report. All credit reporting agencies have deleted the collection except for Equifax. The collection agency has gone online multiple times and manually requested the deletion, they have submitted the repositories and they have made repeated phone calls to Equifax , I have disputed it online and called Equifax multiple times and the collection has still not been deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report reflects XXXX accounts that I was an authorized user on the accounts. There are XXXX accounts with XXXX and XXXX account with XXXX XXXX XXXX. My mother was the primary account holder on these accounts. I had no financial responsibility on these accounts. The creditors on these XXXX accounts were given a copy of my mother 's death certificate, which was XXXX/XXXX/2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX Account # XXXX, has violated my rights. 
XXXX 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 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 card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reported incorrectly and does not state " medical '' on credit report. They are breaking the FCRA act and did not indicate this as a medical account. I am asking that this improper reporting be deleted completely from my credit report. In the " Consumer credit reports : A study of medical and non-medical collections '' dated XXXX 2014 it states ... ... 

" As previously noted, research performed by the CFPB demonstrated that credit scoring models that treat medical collections in the same way as other collections trade lines penalize consumers with medical debt collections by underestimating their creditworthiness with lower scores.XXXX The study found that consumers with medical debt were more likely to pay their future loan obligations on par with consumers scoring at least XXXX points higher. '' The credit was reported incorrectly and needs to be removed from the credit reports completely.

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 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Student loans paid in full after default. However it is being reported negative by XXXX and XXXX for the same loans

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought a vanilla gift card, I think XX/XX/XXXX or XXXX XXXX for {$250.00}, used it once online. Next day I checked my balance & it was XXXX dollars. there were 2 transactions I didn't make one for {$110.00} & second was for {$39.00}. I called vanilla gift card customer service to stop the charges, but they told me it was too late, they already issued the money. They told me they were going to email me a dispute packet fill it out and send it to XXXX on XX/XX/XXXX I sent the dispute packet to -- -- -- -- -- Forwarded message -- -- -- -- - From : Date : Wed, XX/XX/XXXX at XXXX PM Subject : Dispute packet case # XXXX To : XXXX They told me to give them 90 days to a resolution. after the 90 days I called them at customer service many times, they keep telling me give them 48 hours for their dispute team to contact me, but they never do & customer service has emailed the dispute department & they say they have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Credit score on XXXX XXXX bill went down considerably.Contacted XXXX XXXX, They told me to speak with Transunion, I called them to find out why my score went down.They refused to provide me with the information of why the credit score went down, even after I demanded it! I asked for a manager, they then put me on eternal hold.I then contacted The Consumer Financial Protection Bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Seterus, Inc.
State: AR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I Have tried on multiple occasions for Seterus to get there records straight as I was transferred to Seterus on XXXX XXXX XXXX it has been XXXX months and the issue is still NOT Corrected my house payment is not what they have listed as I was granted a Loan modification 3 yrs ago with my previous mortgage company everytime I call they have done nothing with the 3 times I have faxed all the documentation from the court granted my approval and stating I owe no Discrepanies, as when I filed bankruptcy 5 yrs ago all of the back pay was repaid in our Bankruptcy plan as of today I should owe nothing except my monthly payment. now they are trying to stick PMI Which was cancelled from my previous loan they need to get there stuff together as I have provided all proof on my end and I will fight it till the end they are running my credit NOT Theirs

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote a letter to Equifax back in XXXX, asking them to investigate XXXX inaccurate accounts that appeared on my report with their agency. Over the last four months, I have sent countless follow-up letters to Equifax , but for whatever reason, they will not respond to my request.

Company response to consumer: Closed with explanation