BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: ALLY FINANCIAL 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: Information is missing that should be on the report

Complaint:
I purchased a vehicle ( XX/XX/XXXX ), in which Ally Financial agreed to finance. On XX/XX/XXXX I contacted Ally Financial to inform them that my on-time auto payments were not being reported to XXXX, XXXX and XXXX and I was told it should be reporting within XXXX days ( conf. # XXXX ). After several months of attempting to clarify situation I then continued to follow-up with XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ref # XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XXXX # XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX  And XXXX ( XX/XX/XXXX ), Ira XXXX XX/XX/XXXX ), XXXX & XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ) all on XX/XX/XXXX XXXX In all instances I was told my account should be reporting anywhere from XXXX business days. As of XX/XX/XXXX Ally Financial is still not reporting my on-time auto payments and it has caused tremendous stress, financial strain and the inability to move forward financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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: Information belongs to someone else

Complaint:
This account has been fraudulently opened in my name. I have tried disputing it multiple times. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They keep calling all my family members and parents and telling them to tell me to get a lawyer and should not be going over my business with all my relativesWhen they call my cell never leave a message they threaten on the phone using scare tactics - and asked them to not call family members but they do and family members just hang up on them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: AR
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 XXXX 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 states a consumer reporting agency can not furnish a account without a written instructions. 



In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without a written instructions. 


In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without a written instructions.

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 2015-08-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX partnered with Citi to issue a branded credit card. One of the benefits of the card is priority boarding. After reading the fine print, I applied, was approved, I received and used the card in accordance with their rules. I am now taking a trip, and I do not have the priority boarding. They tell me I had to purchase the ticket with the branded Citi credit card. However, there is nothing I can see in their fine print saying that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: SYNCHRONY FINANCIAL
State: FL
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:
Sam 's credit card. Card is in both my name and my spouse. We have {$900.00} on current cash back balance as of statement closing date of XX/XX/2020. Regretfully my husband passed away on XX/XX/2020. The credit card is in both of our names ; same credit number with both our names. I called XXXX from my statement from Synchrony Bank on XX/XX/2020 to cancel my late husband 's card only his, so that no one else could use it. I was told by Synchrony Rep that my card would be cancelled too since we had the same number and to go to Sam 's in person to get a new number/card. He failed to tell me by doing this I would lose our cash bonus points that we accrued. Then on XX/XX/2020 I went to Sam 's Club store in XXXX XXXX, FL and speak to Supervisor to let her know that my husband passed away so I could obtain a new card issued to me so I would have a different credit card number. She then told me when she pulled up my account that Synchrony Bank took away our bonus money. She told to me to contact Synchrony Bank directly for which I did on XX/XX/2020. They told me the bonus $ was only in my husband 's name and I wasn't privy to it. I asked to speak to a supervisor and CSR told me they were all busy. This is terrible. I endure the loss of my husband and now Synchrony is keeping our money. We only opened and used this card for the bonus dollars. 99 % of the charges came from my personal shopping not my late husbands '.

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 2017-05-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
I had a car loan with  XXXX   XXXX   XXXX , in   XX/XX/XXXX  t he car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to  XXXX  causing additional fees.  XXXX  received t he payment in  XX/XX/XXXX .Wh  en  the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that  XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.       XXXX   poor business practice has errouneously reporte d incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.

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 2017-05-27
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Last month, I changed my bank account on my Elan Financial Services credit card. I have had autopay setup for a year or more and simply changed the account associated with the autopay . Elan skipped  my autopay on  XXXX , and I reached out to correct them on  XXXX  and they refused, despite it being their error. I repeatedly asked them to correct the autopay error, most recently today, and they refuse.

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 2017-10-15
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: Their investigation did not fix an error on your report

Complaint:
Equifax did a sloppy job investigating. They did not even investigate my claim. This inquiry has been deleted off my credit report from the other two credit bureaus due to inaccurate information. This third-party agency has failed to provide information. All they will provide is one letter is not even in telling that I was late or providing any any information about my account they will not provide me any verification or validation of account so at this point then everything should have been deleted from my credit report Equifax has failed to remove this information for my credit report I 'm asking this to be investigated thoroughly. I have requested a previous investigation with y'all with this company and also with original company XXXX XXXX XXXX XXXX will not respond back to my request or will not provide me any information regarding this account also. So they 're not able to validate or verify the account so it must be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: FL
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:
Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the 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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX  days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the 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 2022-07-15
Company: Experian Information Solutions 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: 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, PA XXXX XX/XX/2022 XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX : {$360.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX : {$100.00}

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 2017-03-01
Company: JAMES B. NUTTER & COMPANY
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My parents got reverse mortgage XX/XX/XXXX father died XX/XX/XXXX I moved bk in home with mom XXXX later she died in home when I left state after my son died. Soposidly mom told me rev morg was takin care Ov? My heath problems with unable to work.son moved in with me he heath problems ambulance was here time for him he was unresponsive 3ov those times have no place go no money do n't no what do this is myfamiley home goin to up for forcscloser XX/XX/XXXX help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. My information was included in the XXXX XXXX XXXX data breach. I recently discovered several accounts that are fraudulent and since have contacted the credit bureau several times. 
Experian report # XXXX The accounts are XXXX ) Consolidated XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX I filed a report with the XXXX  XXXX XXXX for identity theft and also included my drivers licence and social security card and my request was completely ignored. 
I would like to exercise my rights according to the XXXX 15 U.S.C 1681

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 2022-07-15
Company: Experian Information Solutions Inc.
State: PA
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 am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I was never late on these accounts. There are multiple errors shown in my report. Please check the last payment, the account number, etc. These are good standing accounts. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$13000.00}

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 2017-05-27
Company: EQUIFAX, 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 status incorrect

Complaint:
I had a car loan with XXXX XXXX XXXX, in XX/XX/XXXX the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to XXXX causing additional fees. XXXX received the payment in XX/XX/XXXX.When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account. For several months a tried to get this resolved, I was told by several customer service reps that XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau. XXXX poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late, XXXX being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: WELLS FARGO & COMPANY
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I concluded mediation with Wells Fargo Bank via phone with a mediator who has had 43 years of experience as an attorney in XXXX XXXX. On XX/XX/XXXX, I signed a Mediation Proposal agreed upon by Wells Fargo Bank and myself for the sum of {$2200.00} as full and final settlement. I was to receive a check in this amount plus taxes from Wells Fargo within 21 days according to the mediator. That date would have been XX/XX/XXXX. But as of today, XX/XX/XXXX, I have NOT received the above amount by check and have been given the excuse that the " system '' of the Mediation Office in XXXX, OR, is down. I asked ( on XX/XX/XXXX ) the Mediation representative at Wells Fargo, the woman who has worked on my claim since XXXX, XXXX, when this " system went down, '' she stated that it was a week ago. That would NOT have had any bearing on this proposal agreement. IF Wells Fargo had sent my check on time as agreed in Mediation, it should have been on its way before the " system '' went down.

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 2015-06-23
Company: Atlantic Credit & Finance, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collection company is calling me, asking very personal questions.Kept me on the phone for XXXX minutes asking personal details of my finances. They looked at my credit report without asking me. And they also called my family members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit Reporting  agency has been reporting a debt collector named  XXXX    XXXX     XXXX   XXXX ,  2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.

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 2017-05-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On  XXXX   XXXX ,  2015 .  XXXX  reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.

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 2022-07-15
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: Account status incorrect

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX : {$16000.00}

Company response to consumer: Closed with explanation