BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: ALLIANT CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I, XXXX XXXX entered a consumer credit transaction with Alliant Credit Union on XX/XX/2018, which involved a finance charge. Pursuant to 15 USC 1605 ( a ), a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Alliant Credit Union has collected monthly payments from me since XX/XX/2018, which is in violation of 15 USC 1605. Also, Alliant Credit Union failed to include my auto insurance which is to be included in the finance charge, pursuant to 15 USC 1605 ( a ) ( 5 ). Alliant Credit Union failed to disclose to me my right of rescission and provide me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights has been violated and Alliant Credit Union is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2023 I received a letter from XXXX XXXX  stating that they were investigating a transaction error that I had supposedly reported. I phoned them on XX/XX/2023 to let them know I had never heard of XXXX XXXX  and never opened a card with them. I asked for any personal information that was associated with the account and was told that I would first need to file a police report, obtain an affidavit from the FTC and provide copies of those reports along with a copy of my photo ID and a letter requesting the information from the account. They did let me know that whoever opened the card had my full social security number. I did provide them with all of those documents and emailed it to the address I was given. I received a response back on XX/XX/2023 stating that I would need to call as it couldn't be settled through email. I called on XX/XX/XXXX and they did close the account, but would not give me any personal information as to who set up the account and again told me I would have to submit the documents I just mentioned. I told them I had done that already. They tried to tell me it was because I didn't include the account number in the subject line so I resubmitted all documents with the account number in the subject line on XX/XX/XXXX. I received a response back stating that they reviewed the history of the account and found that the account had been closed and to contact customer service for additional information. I called the company again on XX/XX/XXXX and eventually asked to speak to a supervisor. She told me the same thing that I needed to submit documents that had already been submitted. The XXXXPD detective has also phoned them requesting information on who set up the account and he has been given the run around as well and had not been able to obtain any information. They have told him twice that they needed my permission to release information so I called to give my permission as was told about submitting the documents again. The detective called them with me on the line on XX/XX/2023 and they gave us a phone number that was supposed to be their fraud department and when the detective called the number it was the FTC. The detective asked me to file a complaint with The Consumer Financial Protectioni Bureau hence the reason for this letter.

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 2020-12-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
An dispute letter was sent on on XX/XX/XXXX and I have not received an respond. It surpassed 30 days and no update so I mailed an second letter to delete XX/XX/XXXX, however the consumer served me court documents XX/XX/XXXX. Clearly they received my updated information because it was on the first dispute letter. This item is to be removed. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed. {$1500.00} written off Original Creditor : Balance : {$0.00} Highest Balance : {$1500.00} Explanation of item being disputed : The account/item is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Radius Global Solutions contacted my family ( brother ) in attempt to collect a debt. Their # is XXXX. The person who called was named XXXX. He called on Tuesday XXXX around XXXX. 
They were dishonest and asked my brother for my number even though they had my number. They also said he was listed as a contact ... this is not true, I have NEVER list my brother as a contact as we have a strained relationship. My brother did not give them any information and called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I started the application process with Wells Fargo in late XX/XX/2020 for a property being sold 'As Is '. We submitted all the required documents right away. From the very beginning, we had severe communication problems on their end, including constantly keeping me out of the loop by persistently not cc'ing me on the email. XXXX XXXX was assigned to our application but throughout the process was in and out of the office for extended periods of time. In the off times, his supervisor XXXX XXXX would " assist '' us with the process. We were given misleading information regarding what accounts could be used for collateral ( it was admitted in writing that underwriting made a mistake on that ). Because of the failure in getting up-to-date information about our process upon returning, Mr. XXXX gave us inaccurate information on several occasions. Ultimately, those mistakes caused us to lose out-of-pocket money towards closing products that we would not otherwise have purchased had they done their due diligence of reading the contract. We asked on SEVERAL occasions if there was anything else besides meeting the minimum reserves ( the delay in securing funds was their fault for providing wrong information initially ) and we were assured nothing else was in the way of closing, just to be notified, weeks later, that they now needed the home that was being sold AS-IS for XXXX, to be completely renovated before a loan could be secured. It was stated in the contract, that WF had from day one, that the house was sold AS IS, pictures were also readily available online showing the current state of the home inside and out. Upon quick research online, it seems that WF has done the same to a lot of customers in the last feel months. I would recommend you look into it for they are to receive money for the appraisal that we are not allowed to shop around for loans they do not intend to grant. During the process, we filled a complaint with WF 's own complaint department ( XXXX XXXX was assigned the complaint ) to try and resolve ongoing communication issues. That was a mere act of formality that yielded no results. The complaint was closed on the assigned date without any sort of solution nor change in behavior.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
In accordance with The Fair Credit Reporting Act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

Victim of identity theft, XXXX XXXX XXXX all credit inquiries and New Credit during XXXX XXXX XXXX to be Deleted From Credit 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 explanation
Consumer complaint received 2023-02-26
Company: MoneyLion Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They claim a loan was opened in my name and then not paid and everytime I dispute they claim to validate it with no proofs. I also contacted them to investigate as I never opened said account for a loan of {$150.00} or so. They refuse to actually investigate and they keep reporting it as late. They can not provide any signed contracts for this loan with a wet signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my eighth attempt to contact you via a CFPB complaint to inform you that I am a victim of identity theft and to query specific records in my file that were obtained illegally. The data I am querying connect with no exchanges acquiring any custody of goods, services or money that I have made or authorized. Block the notoriety of any material in my credit report that resulted from a scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The following false things should be taken off of my credit record, I formally request. I would appreciate it if you could delete the disputed goods right away if you are unable to provide any documentation proving that they belong to me.

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 2023-07-07
Company: Gitsit Solutions, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have purchased a home through XXXXXXXX XXXX XXXX  on XX/XX/XXXX. My loan was then sold on XX/XX/XXXX to XXXX XXXX XXXX who then sold it to GITSIT Solutions LLC on XX/XX/XXXX. As of XX/XX/XXXX I had lost my job and the first thing I did was contact GITSIT Solutions LLC to ask about my options. The rep transferred me to XXXX XXXX ( my asset manager ) whom in so many words was thankful that I called but stated that there was nothing that the company could do for me but to call me every week. On XX/XX/XXXX I asked XXXX about the forbearance solution that has been offered online and via mail. I sent him a photo of the letter that I received about forbearance but XXXX states that GITSIT Solutions does not provide the services. I asked for a manager several times and no one will allow me to speak to a manager. I have begged and pleaded for assistance because I want to keep my home but GITSIT Solutions doesn't seem interested in assisting me with keeping my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: NAVY FEDERAL CREDIT UNION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Navy Federal Credit Union has removed and blocked my access to the closed credit card in my name. They have blocked/removed my access to see statements and transactions, regardless of the balance due, and refuse to provide access to statements in order to use them as proof of unauthorized activity or to dispute charges. All statements prior to XX/XX/2021 are deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX shows XXXX amounts due to XXXX XXXX XXXX, both from XXXX XXXX XXXX, XXXX for {$67.00} and the other for {$84.00}. I believe these are duplicate charges. I have asked for these charges to be verified and have not received any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 {$1000.00} closed has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 records 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.

Ive been a victim of identity theft and took all necessary legal measures to remove all fraudulent claims and accounts from my credit 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 non-monetary relief
Consumer complaint received 2018-03-31
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent out letters requesting validation of debt via contract with live signature to which I have received none. I have sent out letters via certified mail so I have proof of them being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Ally financial is reporting that i have a joint account outstanding with them. I have never did any business with Ally. They are currently being sued and there has been a settlement and they are still reporting this false information.

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 2018-04-12
Company: FORD MOTOR CREDIT CO.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I returned my Ford Focus sedan to the Ford dealer in XXXX, FL at the conclusion of a XXXX lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected. 

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from Ford or Ford Credit. No  invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " XXXX XXXX XXXX XXXX XXXX '' for collections. Upon receiving this letter, I immediately called Ford Credit, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. On XX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX XXXX. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that Ford Credit severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX  to resolve this matter in their time constraints, meanwhile Ford Credit already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., 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

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 2020-12-30
Company: Experian Information Solutions Inc.
State: NJ
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I provided my DR card information for 1 time {$1.00} fee for credit report and without my consent and approval I was charged for 3 months including the same month I asked for credit report for membership which is {$23.00} for XXXX, XXXX and XX/XX/2020. I called and cancelled membership but they only reimbursed me with XXXX and was not able to get reimbursed for XXXX and XXXX. It was very hard to find a phone number to speak to a live customer service rep and get the cancellation.

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 2018-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the XXXX credit card with the offer of XXXX points and {$0.00} annual fee for the first year. Later, I found out that I was charged the {$95.00} annual fee less than 1 month. I am certain that it was shown {$0.00} intro annual fee for the first year and {$95.00} after the first year with a XXXX bonus on their website when I signed up for it. 

I have contacted Chase through Chase secure message center and called their customer service line, I got the same answer from both sides where they refused to refund the annual fee.

Company response to consumer: Closed with explanation