BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened up this account with ALLY Bank in XX/XX/XXXX. My credit reports are reflecting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I worked for XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX surpassing 9 years and due to the pandemic I was laid off with 26 other peers. I called this company and requested that the late payments please be removed as I was struggling to make payments and take care of my family. Prior tomy hardship all payments were made and made on time. The account is current and I am only askiing that they please remove the late payments due to this tremendously negatively hitting my credit score.

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 2022-06-08
Company: EQUIFAX, INC.
State: MS
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, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Apartment move-out, excessive charges. Lease states I provide electric utility, which I did, however management charged electric fee. Carpet replacement fee was for normal wear. I disputed initial collection. 
The collection is for an end-of-lease apartment move-out and contained excessive charges ( Claimed over {$2600.00} in damage for a unit rented for {$640.00} ) : Lease states I provide electric utility, which I did and cancelled the day I moved out, however management charged electric fee. 
Carpet replacement fee was for normal wear. Claimed {$1500.00} Painting fee was from normal wear and tv mounting holes. Claimed {$650.00} Microwave replacement fee? It worked when I moved out. Claimed {$200.00} They also charged fees for cleaning, removing trash, replacing blinds and a door. Claimed {$400.00} I disputed initial collection both to the apartments and collection agency, stating neither the carpet nor the paint were new at move-in and that I was a resident for several years so wear and tear was normal. It seems to me the apartments XXXX XXXX owned by XXXX XXXX exaggerated fees and repairs to drive up move-out statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: INDEPENDENT BANK CORP.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Rockland Trust Bank XXXX XXXX MA XXXXXXXX XXXX Unjustly used private business banking information comments on social media. As far as I have been told by my lawyer, it is unjust and uncalled for, for there to be private information about a business account told over social media from a current employee. I am beyond upset that she would make comments regarding a private banking issue on a social media platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Jefferson Capital Systems , LLC I have asked them not to contact me and this account went from XXXX to XXXX it was XXXX that went to XXXX XXXX and now Jefferson Capital Systems they said it was back in XX/XX/2019 It's like every time I say stop contacting me they continue to sell the debt to someone else it seems like they are trying to find some loop hole

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Opened a new Citi XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX based on promotional material offering XXXX air miles after making XXXX dollars in purchases within 3 months of opening account. I received this offer in the mail. 

I was instantly approved for the card but to my surprise was issued a credit limit of XXXX dollars. I thought this was very unusual since my XXXX credit score runs 820+ for the past several years and I automatically pay posted charges such that I do not carry any balances. I have a XXXX XXXX XXXX credit card which I was provided with a credit limit of XXXX dollars. 
I immediately started using my new Citi card with the goal of meeting the XXXX XXXX3months to qualify for the promotional air miles. Quickly noticed that despite making electronic bank payments through the billing cycle to ensure that I am able to continue purchasing and not exceed the ridiculous low credit limit, that my payments were posted as " pending '' and my available credit did not change despite paying and not having a balance. This pending period ran 7-10 days. I contacted customer service requesting increasing my credit limit and was declined because my account was " too new ''. They blamed the excessively long " pending '' period on bank processing. After multiple direct bank payments, I contacted customer service and was again declined increase in credit limit and told that it normally takes four payments and thereafter should not have this problem with my available credit being updated to reflect payment. On a third call, was informed that that my bank payments had gone through, and they could not explain why my available credit took so long to update. During this time I received a copy of my XXXX score report and noticed that my credit score which was XXXX  in XXXX had dropped to XXXX  in XXXX. The reason listed was that my credit utilization/available credit ratio was high. During this entire time, I have not made any large purchases, new loans etc. I strongly believe that CitiBank engages in abusive and predatory practices, are the source of my declined credit score.

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 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023, at XXXXXXXX XXXX, I received an email about a balance transfer made to one of my Bank of America credit cards. That same day at XXXX XXXX, while the transaction still appeared to be in process, I called the bank and reported the transaction as fraudulent and asked for it to be stopped since I was not the one who executed it, and my call was timely, not an hour had passed since it was made. The operation still appeared to me in progress. The claim number at Bank of America is XXXX. The Bank of America Fraud Department has ruled twice that my claim is not valid because the transaction was executed using one of the devices connected to my home internet, which I do not accept as an answer. I use XXXX XXXX on my cell phone to access the bank 's mobile app, so it is impossible it was from my cellphone, and the amount of the operation is beyond my usual behavior as a bank customer, which is why I blame the bank for not protecting my interests against cyber fraud. The bank refused to recognize my case, listen to me, and give me the benefit of the doubt, so I went to the XXXX XXXX police in the state of Florida, where I reside, and filed a formal complaint under case number XXXX. The amount they scammed me is {$9700.00} plus a fee of {$290.00}. The original card was # XXXX. When I called to report fraud, this was canceled and I was replaced with the one that ends in # XXXX, which I also had to ask for to be replaced when I received an email informing me of a request to increase the limit that I did not want either execute.

Company response to consumer: In progress
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: MD
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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:
I am XXXX XXXX XXXX and I am submitting this complaint on behalf of myself. The account ending in XXXX with a High balance of {$9200.00} is being reported to Equifax and XXXX incorrectly. This inaccurate reporting is causing great emotional, mental and emotional harm to me. This account is reporting as paid on time from XX/XX/XXXX through XX/XX/XXXX but shows 90 days late the very next month of XX/XX/XXXX. How is an account 90 days late in a matter of 30 days? Equifax is showing " NR '' as not reporting but is mimicking the information incorrectly reported to XXXX. Also, Equifax is showing updated on XX/XX/XXXX but XXXX is showing last updated XX/XX/XXXX. This information has caused me to be denied for housing and employment. Federal law states that my consumer report is to be fair and equitable to me and that all information needs to be accurate. I also have a right to privacy and did not authorize any credit reporting agency in writing to publish my nonpublic personal information. I was also not provided clear and concise information on how to opt out which is another violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: TX
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:
After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly XXXX other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX. I filed a complaint a while back with Venmo and XXXX XXXX. I hope you're able to read it, but long story short is they " cashed '' my {$350.00} check and didn't fund any accounts with it, at lwast not MY account. My money is somewhere just not with me. I have acreenshots and proof which I provided with my last complaint. 

I've tried to follow up but they both are still giving me the run around. There is absolutely no reason that they haven't gotten me my {$350.00} they owe me. It has been 3 months. I have been behind 3 months on bills because of it. I'm still struggling because that was food for my kids and I for a month. It has put me so behind. 

I just want my money I am owed. I cashed it through the Venmo app, which is cashed by XXXX XXXX. I feel like it's not much to ask for to get my money I'm owed. There's no way this is taking 3 months to solve. You cashed my check, didn't fund me and I want my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2022-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, In accordance with the applicable provisions of the federal and state Fair Debt Collection Practices Acts and the federal Fair Credit Reporting Act, this dispute to the inaccuracy of the following item posted, which is incorrectly attributed negatively to my credit reports : ( 1 ) Account Name : XXXX XXXX XXXX ; Account No. : XXXX. Appears on my credit reports as a late payment in XX/XX/2022. However, that I was never late in making this payment as his mortgage account was being transferred to a new servicer and he indeed timely paid over the phone. However, the servicer who took his payment had a glitch which resulted in XXXX XXXX payment not going through. Upon discovering this, he immediately made another payment. But a late payment was nevertheless Reported to the credit bureaus even though this was not my fault. It was the payment system and the representatives of XXXX fault. Therefore, at this time, I hereby dispute the accuracy of this late payment and demands that you immediately remove this late payment remark from my credit report. 

Incorrectly reporting this item by XXXX is what predatory lenders that degrade communities and borrowers ability to maintain great credit to stabilize communities and neighborhoods.

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 2022-12-02
Company: ENCORE CAPITAL GROUP INC.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I first received a garnishment order from XXXX and XXXX for Midland credits for a XXXX XXXX credit card of {$780.00}, on XX/XX/XXXX. I was not notified of any such debt before the garnishment order was granted. I then check my credit report and it was not listed as a collection debt for any XXXX XXXX account. I then went through the court to reverse this and it was granted in my favor for them not notifying me. I then received another garnishment order from the same company and the same file number from the sheriff on XX/XX/XXXX. This time the amount is different {$1100.00} plus costs. Here again. There is prior notification to me to dispute this debt. I never received one piece of information for this account or a court date to appear to dispute this account. This time, it just shows it was eSigned from their company and no letter was attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: MD
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:
For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX  continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply. 

I wrote to them on XX/XX/2022 and sent a follow-up correspondence XX/XX/2022 and another one XX/XX/2022 and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX XXXX XXXX under 15 U.S.C 1681 section 602 A. 
according to this section my rights of privacy are recognized. 

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX XXXXXXXX XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX XXXX XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX XXXX XXXX 


I NEED THIS ACCOUNT DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022 I, XXXX XXXX a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Experian of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Experian must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for Experian 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Experian would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Experian stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that Experian answer the following questions so I feel confident that their investigation efforts were not made in bad faith. What was Experians method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that they conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Experian verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did Experian verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is Experians grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.

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