BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
A reservation was made for a hotel stay at XXXX XXXX in XXXX, NY on XX/XX/2023. Our American Express card was used to hold the reservation in the amount of {$1400.00}. We then cancelled the reservation the same day and received a cancellation email from XXXX XXXX. I then noticed the charge on the account days later and asked for it to be removed. American Express removed the charge, but then claimed that the vendor submitted a response so they reinstituted the charge. We called the vendor and they said it has been cancelled and we should have had the refund. I called Amex, but they would not tell me why. How do I get the refund for this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance for my investment property on XX/XX/2020. The company is Caliber Home Loans in XXXX, Texas. 
They told me the refinance would take XXXX days. 
It has now been almost 5 months!! 
They keep transferring the file to different processors, changing the loan estimate, changing appraisal costs. They request documents, I diligently send them and then they don't file them. Then they change loan processors again and no one has any idea what is happening with the file! 
Then they won't contact me back when I call for an update. 
They are financially holding me XXXX! 
Unwilling to close the refinance loan and unwilling to refund me the costs for the XXXX XXXX and appraisal and cancel the refi. 

Their behavior is unprofessional, unethical. 

DO NOT USE THIS COMPANY FOR HOME FINANCING!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally financial shows late for XXXX, XXXX and XXXX on all 3 credit bureaus but it was not late in those months

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion is not reporting XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & XXXX XXXX XXXX ( XXXX ) accounts has to be 100 % accurate and complete as required by the FCRA. 

XXXX XXXX XXXX XXXX account has to be 100 % accurate and complete. 

FCRA requires consumers credit report 100 % accurate and complete. 

Not being reported on XXXX # XXXX are : Usage, Balance, Paid off percentage, last payment amount. High balance. 

Not being reported on XXXX # XXXX are : Paid off percentage and original balance. 

Not being reported on XXXX XXXX XXXX XXXX # XXXX are correct high balance and balance.

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 2023-05-31
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An unauthorized inquiry was done to obtain credit fraudulently. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NC
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 have contacted Experian, XXXX, & XXXX in writing and provided documentation that my mortgage with XXXX XXXX  was not late in early 2023. XXXX XXXX  had misapplied several payments as " principal only '' which lead to a delinquent status showing in XXXX or XX/XX/2023. This has since been corrected on their end, and the documentation has been provided to Experian, XXXX, & XXXX. 

Experian, XXXX, & XXXX is responding with form letters stating the account history has been updated but has failed to actually update the acct history. This is causing my family financial harm. 

We have had an unrelated account closed due to this inaccurate information which remains on my credit report and are continuing to suffer financial harm due to the impact this has on our 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have been paying for a private since 2007. I was enrolled in XXXX XXXX XXXX. XXXX fraudulently applied for this private loan. I have contacted Navient and they state this loan information is correct. I asked for original loan documents and they stated they do not have to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving calls from a company called portfolio recovery and every time I block their number, they just call from another one. I do not have any debt at all in my name except for my car loan which I have never been behind on, ever. I don't even know how this company got my phone number as it has been the same for several years but these calls have been going on for a couple of months.They don't even leave a message, I have to call back and get their pre recorded message to know who it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: ALLY FINANCIAL INC.
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I received a buyout from Ally Financial ( Ally ) for my lease of a XXXX XXXX XXXX. This buyout quote was for {$31000.00} and was XXXX through XX/XX/XXXX. The check was placed in the mail on XX/XX/XXXX with tracking services through XXXX. The check was awaiting pickup at the post office on Sunday XX/XX/XXXX at XXXX. Ally did not pick it up this day, presumably because it was a Sunday and therefore not a business day per Reg CC ( ex. XXXX XXXX XXXX holidays ). 
Ally assert that they received the check on Monday XX/XX/XXXX. When I realized the check did not arrive until XXXX day later I chatted with them through their online portal to confirm this would be okay. On XX/XX/XXXX XXXX XXXX from Ally informed me that there would not be a late fee until XXXX days after the due date of XX/XX/XXXX. 
After posting the payment to my account and showing a XXXX balance ( paid off ) they have now added {$240.00} to the amount owed. There is no way I could've know about this fee or how to avoid it since they did not inform me of it when I reached out and it is not in my contract. I assert that this fee is Unfair and Abusive due to the excessive amount and the fact that it was not disclosed. 
They are calling it a settlement fee and I have asked them to help me understand what this is and how they have the right to charge {$240.00} for a check being received on the first business day after the calendar day that it was due.

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 2023-05-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Truist Bank on XX/XX/XXXX. The next day a letter was issued saying the account had been closed but arrived on XX/XX/XXXX. On XX/XX/XXXX, I was told I needed to go to the bank and bring my ID to finalize the account I started online. I did that and when I called customer service was told there was another issue. After numerous phone calls to no avail, I went in person in early XXXX to see what was going on with my account after receiving the letter dated XX/XX/XXXX. I spoke with a banker who informed me the account was closed and I would receive a check for the amount I had already deposited. I still continued to receive emails from Truist as though I had an active account. I called in XXXX timeframe to ask again where my check was and why the company continued to send me emails like I am a current customer. The agent I spoke with told me the account was shut down and she would make sure a check was issued. Today, XX/XX/XXXX, I got a call saying that my account ( which again, is supposed to be closed and funds returned ) is in the negative and has been for XXXX  days. Since XXXX I have been completely locked out of the online banking and have not been able to see what fees have been taken from the account.

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 2022-11-29
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:
I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : 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 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 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 XXXX XXXX XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America needs to be audited for fraudulent business practices. I was charged interest for purchases that I should have not have been charged for, which is in violation of my card 's terms and agreements as outlined on my statement as follows : " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. '' Upon contacting Bank of America, the representative stated I was charged interest on XX/XX/XXXX for my purchases on XX/XX/XXXX and XX/XX/XXXX for {$3000.00} and {$13.00}, respectively. This is clearly in violation of the above terms of my credit card. 

My XX/XX/XXXX statement was for {$1200.00}. Between XXXX XXXX XXXX I made {$4400.00} in payments on my account towards the previous and new charges, though the initial {$1200.00} in payments should have been applied towards the {$1200.00} statement balance. However, on XX/XX/XXXX, I was charged {$24.00} in interest for purchases, the breakdown of balances on this statement also shows illegal business practices as Bank of America did not apply my payments towards the highest APR followed by the soonest promotional rate expiring, rather it appears they applied my payments towards the promotional rate expiring the farthest time period away, which is also not ethical.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: PA
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 writing to let you know your agency is in violation of the Fair Credit Reporting Act. 
I have spoke with a Consumer Law Attorney and have studied the FCRA as well as the CFPB XXXX opinions for FACT checking. 

What I learned is the items on my credit report should not be reporting at all without my consent. The only person to give consent is the consumer and that is me!! 

You are allowing improper use of credit reporting against what XXXX has written. The consumer controls the credit reporting not the agency. 

It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 

I XXXX XXXX, did not CONSENT to any bank or agency to report 15 USC 6802 ( B ) A financial institution may not disclose non personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspiculously provides to the consumer in writing or in electronic form or other form. 

I DEMAND the items listed below be DELETED from my consumer report. 

XXXX ) XXXX XXXX  - # XXXX. 
XXXX ) XXXX XXXX XXXX XXXX XXXX I am a litigious consumer and will seek legal representation defending my right to XXXX if these items are not removed.

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 2023-05-31
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
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:
Was suppose to get XXXX points on fuel purchases for every dollar, pen fed claims XXXX XXXX where fuel was purchased did not put in the right code. There were XXXX fuel stops from XXXX to XXXX. Anywheres from {$850.00} to XXXX. I could understand if it was a couple of them that did not put in the right code but all of them. Spoke with them and just for a XXXX time courtesy they will give me XXXX points on XXXX gas charge.

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 2023-05-31
Company: Remitly, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I requested a transfer of funds from XXXX to my recipient on XX/XX/2023 and they sent me a message saying the funds were deposited into my recipients account ( documents enclosed ). My recipient said he did not receive the funds so I reached out to XXXX  several times via chat to find out how to resolve the problem ( documents enclosed ). I sent them the bank statement ( enclosed ) as they requested and heard nothing back. I called last week to find out what the status of my refund was and they said the funds should be back in my account in 3 days. The funds have not been returned and they keep making promises they do not keep. This has been going on so long that I do not think they plan on refunding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have ask all three credit companys to remove these accounts off my profile as it is not a clear picture of who i am i have never lived in the state of MS and i see many of these accounts listed in that state they have not removed them yet after two attempts of reaching out in the form of letters.

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 2023-05-31
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the leasing office at the apartment complex regarding flooding in my apartment that was due to their pressure washing service. They refused to pay for XXXX  of dollars of damage, which resulted in a loss of clothes and shoes for my clothing boutique. Because I involved my attorneys, the collection agency ( IQ Data ) assessed fines. The amount listed by the collection agency is not the amount that I was told that I owed. I made payments on the balance each month and was notified in XXXX that it had been sent to collections. 

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to fair debt collection practices and privacy and confidentially under 15 U.S.C Ch 41 Subchapter V 1692f ( IQ Data ). Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

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. 15 U.S. C. 1681c. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than words of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Companies have been contacted regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Personal Information : XXXX reporting incorrect Date of Birth ( can provide documentation verifying this ) Current address is incorrect ( can provide documentation verifying this ) Remove all employers except XXXX XXXX XXXX  Inquiries : Transunion shows XXXX while XXXX and XXXX XXXX 4-5 Please resolve the inquiries Account History XXXX XXXX XXXX XXXX Not reporting correctly with all Transunion, XXXX, and XXXX Information XXXX XXXX XXXX XXXX XXXX not XXXX correctly Information updated XXXX XXXX XXXX Information not reported correctly Information updated XXXX  XXXX Information not reported correctly Information updated XXXX XXXX Information not reported correctly Information updated XXXX XXXX XXXX not reported correctly Information Updated XXXX XXXXXXXX Date opened, High Credit, Credit Limit , and Payment History not reporting correctly. 
Please update XXXX XXXX Transunion and XXXX XXXX not reporting correctly Please remove XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXXXXXX XXXX not reported correctly Please update XXXX XXXX XXXX XXXX not reported correctly, account charged off as a loss and sold Please remove for inaccuracy XXXX XXXX XXXX XXXXXXXX Information reported incorrectly, account paid but shown as derogatory Please remove for inaccuracy XXXX XXXX XXXXXXXX XXXX reported incorrectly Please close for inaccuracy XXXX XXXX XXXX reported incorrectly Please update XXXX XXXX XXXX reported incorrectly Please update

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