BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: NY
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 a loan with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The Equifax Credit Bureau is required to verify for themselves, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, but they failed to neither verify nor update me about this complaint. Please update or correct the late payments from this account. Below is the account with erroneous information and need to fix immediately. 
XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Today on XX/XX/22 My credit score was a XXXX It is now a XXXX Experian is now pushing yearly credit cards on people with bad/fair credit. It's a bait and switch. The companies of these credit cards are paying Experian to push their drugs/high-interest rates cards. The credit card company then pays Experian for placing preapproved credit cards on their site. Mind you with a yearly fee and very high-interest rate. Predatory lending at its finest! Moreover, once you're approved for their card your credit score goes back up. So do you see the scam/con? Checking your credit isn't really free while they're pushing these high credit cards on " poor '' consumers. If you will not rectify the problem, we will be going to the news media. These folk needs to be exposed! Experian act as if they are acting in good faith in reality they are soliciting to consumers for these predators lenders with high interest rates affecting poor disadvantage consumers as myself whom have been disproportion marginalized from the begining credit never was designed for minority with education to understand how it works it's been a generation curse for XXXX due to being XXXX on the importance to good credit Sincerely, XXXX XXXX XXXX XXXX consumer.

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 2022-12-08
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Since XX/XX/2022 I have been trying to get some type of understanding of my auto loan with Ally Financial. I have put in two complaints with this company under XXXX XX/XX/2022 and XXXX XX/XX/2022. The company responding back that they are still working on the issues. Ally Financial lied once again to the CFPB and myself because I received a letter today that was dated for XX/XX/2022 stating that my account is now a charge off and they will not be sending the title to the vehicle until I pay {$14000.00}. It stated that my account was a charge off but it was referred to there XXXX XXXX XXXX. So at this point in time it clearly shows that Ally Financial is not a trust worthy company being that they can violate so many of my consumer rights. 

Once again Ally Financial has broken yet another law with out blinking an eye 12 1026.13 Billing error resolution-Based on the Payment history that was received by Ally Financial XXXX XXXX states that the original balance is {$17000.00} with a remaining balance of {$14000.00} left to be paid. The contract on file states that the total sales price is {$27000.00} with my down payment of {$1500.00} there is money not being reported. Under 12 CFR 1026.13 what happened to the {$10000.00} it must be in limbo somewhere? What was supposed to be credited to me the consumer was clearly not. The total financed on the contract states {$27000.00} so what happen to the {$10.00}, XXXX dollars. After doing some calculations on my end the break down is not right in I stated that to the Agent from Ally financial XXXX XXXX when she called me after my first complaint with the CFPB. I have sent my letters of Affidavit, Cease and Deist of contract under my consumer rights of recession. The company still went against 12 CFR 1026.13 ( d ) Billing error resolution because they still counted each month as a missed payment and reported on my credit as a repossession which I have a copy of my report. So is it that Ally Financial can charge off my account and a sneaking way but report to the CFBP that they are working on the issues at two different times but still send me a letter, block my account and report fails information on my credit. Ally Financial is attempting to take advantage of a consumer and continuously lie. I have stated everything that was done in my letters to the company and my complaints with the CFPB. Also, I have uploaded all documents that was needed for my case because I do not trust Ally Financial to do what is right cause clearly they believe they are above 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 2022-09-02
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company claims to be named XXXX XXXX XXXX and also says that they are direct validation services. Their phone number is XXXX. 

Company called and said that I had documentation and documents that were unable to be delivered to me and were requesting information from me to deliver said documents. Then they told me that this is from a debt that is over 6 years old and it's from 2016 for a credit card, XXXX XXXX or something to that effect. They told me that they had advised their client to shoot me is there client to shoe me for the amount of {$2600.00}. The debt is way beyond the statute of limitations of 5 years in Florida. I advise them of such and they told me that they would contact me via the court system and that I would have to pay over {$2800.00} in legal fees, {$2600.00} in a judgment, and other fees if I wanted to clear this from my name. They also advised me that I could be arrested at any time for this debt. They Gave me a file number of 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 2022-07-30
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
After a dispute that I mailed to Equifax on XX/XX/2022, Equifax deleted on XX/XX/2022, XXXX XXXX XXXX XXXX. I reviewed my credit report again XX/XX/2022 and XXXX XXXX XXXX XXXX has been added back to my credit report. Today is XX/XX/2022 XXXX days from when I discovered XXXX XXXX XXXX XXXX had been added back to my credit report and I have received no notification within the 5 business day time limit the FCRA gives. Not knowing when it was inserted back, only knowing the date I discovered it, it has been longer than 5 business days, a direct violation of : 15 U.S. Code 1681i ( 5 ) ( B ) ( II ) - Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I never authorized the reinsertion of XXXX XXXX XXXX XXXX, therefore Equifax is in VIOLATION. Attached to this dispute is the initial letter I mailed to Equifax on XX/XX/2022, XX/XX/2022 tracking number, a copy of my revolving accounts credit report on XX/XX/2022 & XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2017 I tried to withdraw money out my PayPal account, to my surprise the account was then limited. The last transaction I sold was on XXXX XXXX, 2017. PayPal operating as a money transmitter in the state of Georgia is not allowed to hold peoples fund for 2+ months. I have {$260.00} being held and I 'm not receiving any interest. I contact PayPal on XXXX XXXX, 2017 at XXXX and spoke with XXXX ( manager id # XXXX ), she told me they wanted to hold my money for 180 days. I would like my money released so I can close my account and be on my way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made over {$4000.00} worth of purchases from Home Depot in XX/XX/XXXX and was told we qualified for zero interest for 24 months. My wife and I planned the payment schedule so that we could pay off everything with the same monthly payment amount for 24 months. I checked the statements for the first few months and didn't see interest accruing. I didn't check back for a while and in XX/XX/XXXX found that well over {$1000.00} in interest had been accrued. I spoke to the Home Depot credit card management and they said the interest-free offer was only for 6 months, but when we signed up for the card we were told it was for 24 months. I spoke to a manager at Home Depot on Sunday, XX/XX/XXXX, who spoke to a customer service manager for the Home Depot Credit Card, who both agreed that this was wrong and that they would get all of the interest reversed. On Saturday, XX/XX/XXXX, I noticed none of the interest on my card had been reversed, so I called Home Depot and they told me that the interest wouldn't be reversed because I didn't communicate about the promotional offer lapsing in enough time for them to reverse it this despite a customer service manager previously telling me it would be reversed. So in order to avoid further interest being charged, I paid off the card in full on XX/XX/XXXX and called them back immediately to cancel my credit card and let them know I will never be a Home Depot customer again. If there is anything I can do to try to recoup some of that money and get refunded the interest, that would be appreciated, if not I understand. In any case, I feel it's important for Home Depot to be recognized as having clearly deceptive advertising practices that prey on average consumers who did nothing wrong and was paying more than the minimum amount on time every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We have been loyal customers of American Express for 20 years now. 
So, I looked into the finance charges over the past year on our American Express gold charge card and found that Amex has been charging me - {$1700.00} XXXX asked why, because I always pay my bill ON TIME and IN FULL. 
They said it was because i break the payment up previous to the due date and pay some of it early- BUT I ALWAYS EVENTUALLY PAY ON TIME IN FULL. 

How are they able to leverage a charge against us on a partitioned amount when that amount is always paid on time and in full? 

They refused to help me. Employee name is XXXX and her employee number is # XXXX she was the supervisor I spoke to and she said she was 'unable ' to help me get our money back. 

This was an unfairly leveraged fee on an already struggling small business that always pays ON TIME and IN FULL. American Express DOES NOT CARE about SMALL BUSINESSES!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: OR
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit age on all 3 of my credit reports are incorrect I have been a XXXX XXXX Member since 2017 and XXXX Equifax XXXX is showing I have only been a member for 7months and I want my information updated correctly to 6yr credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-07-31
Company: EQUIFAX, INC.
State: LA
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 had these inquiries removed from XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX all of these were not authorized and therefore had to be removed. Now, Equifax didn't remove any and said they were are factual. Equifax, I believe didn't do any kind of an investigation, If so, they would have seen that these accounts had already been removed by XXXX. To add to that, XXXX been removed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage has failed to pay the entirety of Personal Property taxes on my home leaving a deficit of {$190.00}. The XXXX XXXX Indiana has stated that my home will be set up for a County Tax Sale. These funds come out of my escrow account but the afore stated amount of {$190.00} was not paid. It's XXXX people, can we get this resolved sooner rather than later please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
This is my NUMEROUS 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 items : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
An inquiry on my report was not authorized

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Barclaycard 's  XXXX  card line was offered to  XXXX   XXXX  military personnel with 0 % interest and no annual fees for as long as you remained on  XXXX   XXXX . I have been a cardholder for over an year and have made this card my primary card during this period.     Since then, the company has reversed its policy twice. First they ceased to promote and offer the initial  XXXX   XXXX  military benefit under thei r Servicemember 's Civil Relief Act  policy, though not retroactively applying this reversal to current cardholders. Second, they further modified their policy to also retroactively apply all fees and interest to current cardholders as well.     While the term offers were very generous, the sudden policy change forces cardholders to either close the card account on an account with recent credit inquiry or pay a significantly greater fee than what was originally marketed.     Finally, when complaints have been made about the reversal of policy, adjudication of those complaints appears to be arbitrary, with no clear guidelines or expectations on what drives decisions to honor or revoke the original agreement.

Company response to consumer: Closed with explanation