BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-18
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have been leasing a XXXX Chevrolet Volt through Ally Auto XXXX a division of Ally Bank XXXX. The is reaching maturity and I was investigating an extension for 1-3 months while I waited for my XXXX Volt to arrive, which has suffered from production delays. When I contacted Ally to get an extension, I was told the monthly payment would increase by over 50 % and there would be no additional mileage allowance. I have leased several cars in the past and never experienced this kind of behavior. In the past, the other finance companies simply extended the lease on a month-by-month basis at the same monthly payment offered under the terms of the lease contract, and they included additional miles based on XXXX of the annual mileage allowance as specified in the lease contract. Ally is doing none of this. 
Ally Bank used to be XXXX XXXX, a division of XXXX, before getting spun off in the early XXXX 's. It was announced earlier this year that XXXX is going to move their leasing programs back in-house with a new XXXX XXXX division. Is it possible Ally is penalizing XXXX customers for this change? 
Regardless, I have found their behavior to be highly questionable. Beyond the issues listed above in attempting to get an extension, Ally also took the extra step of deleting all online access to my account after the final lease payment was made, despite the fact I still have possession of the vehicle. I lost all access to my payment history and account details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a persistent issue on my credit report that requires immediate attention. Despite multiple attempts to correct the matter, a late open account continues to be inaccurately reported, adversely affecting my creditworthiness. 

I have diligently followed the proper dispute procedures, providing supporting documentation and details to substantiate my claims. Unfortunately, my previous attempts have not resulted in the necessary correction, and this inaccuracy remains on my credit report. 

I understand the importance of maintaining an accurate credit report, and the presence of this late open account is causing undue harm to my financial standing. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies promptly. 

I urgently request that you conduct a swift and thorough investigation into this matter, with the expectation of the following : I have attached supporting documentation, including driver 's license, XXXX, and Proof of Address. 

I anticipate your prompt attention to this matter, and I kindly request a written response within 15 days, as stipulated by the FCRA. The resolution of this issue is critical to restoring the accuracy of my credit report and maintaining my financial well-being. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$160.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
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:
I have sent MULTIPLE disputes trying to resolve the inaccurate information being reported! They are PURPOSELY reporting wrong names, addresses, incorrect information that is RUINING my credit report. Below are the dates i've tried to resolve this issue : XX/XX/22 XX/XX/22 XX/XX/22 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Atlanticus Services Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have a Fortiva Credit Card. I have requested a replacement card multiple times and have not received a working credit card. During this time I am being charge maintenance and service fees. I have called multiple times and on two occasions, the customer service representatives have lied to me,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been a victim of Identity-theft as my personal data has been compromised by someone and used for some time now for them to open or attempt to obtain benefits from various sources over some years now. I have filed several reports previously to the FTC, CFPB and local Authorities to obtain some resolve to this ongoing illegal and unauthorized activity. I can not obtain the credit I personally deserve because of the credit others have illegally obtain under the guise of my personal identity. They have obtain Student Loans, Auto Loans, Medical Services, Housing and others financial benefits without any authority from myself and I need it to stop immediately and my good name restored.I will be seeking relief from the Attorney General Office of Michigan if this is not cleared up immediately pursuant to FCRA 605 ( b ).

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 2023-03-23
Company: EQUIFAX, INC.
State: OH
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: TX
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, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Statebridge Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I set up a payment thru bank and statebridge for XXXX. On XX/XX/XXXX I called my bank to see what happened they said they never got anything from statbridge regarding this payment. So ok XX/XX/XXXX later in the day I did a three way call with my bank XXXX XXXX  and statebridge there was no answer as to what happened so we set up another payment for XX/XX/XXXX for the amount of XXXX. Around XX/XX/XXXX I called bank again and the payment was never token out cause it wasn't submitted from statebridge. On XX/XX/XXXX truck broke down I had to get it fixed, so I didn't have all the money till XX/XX/XXXX. I looked into doing a XXXX XXXX  but it was gon na cost me about XXXX is what they told me at the convente store, i said noway i cant afford that. Since this has happened I've change to XXXX, so I think this is fixed. On XX/XX/XXXX set up a payment for that same day I didn't realize my auto insurance came out that day I screwed that up. 
After all of these different times/dates I've been transfered to a XXXX XXXX in legislations I've left him at least 3 different messages I've also been told he would call me the next day by other customer service reps. He has not returned any of my calls. I know this is ultimately my fault nobody else 's, I just need some assistance. With getting in touch with this guy and coming to an agreement without me loosing my home. Right now I have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: MD
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
So bascailly Wells Fargo been stealing my money for years why I say they been stealing my money for yearsso today I looked at my account and my ending balance was XXXX dollars for today but all the sudden the charges that I made to the account days ago been post to the account leaving it in negative.. but I always keep a check book with me to know where my account stands always. So its like the pending transactions that already came out for the merchant the bank basically posting it taking another amount like that.. then when ask about it they cant explain it to me. So for example if i had XXXX in my checking account and spent only {$5.00} that that day it will come out the account leaving my balance at XXXX but when it post to the account for some reason Im left in the negatives

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 2022-11-17
Company: Atlanticus Services Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've filed a dispute with XXXX XXXXXXXX XXXX XXXX XXXX  . where I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/2017 serving a XXXX  year sentence in the XXXX XXXX XXXX XXXX. Where I am housed at the XXXX XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX XXXX and my XXXX XXXX XXXX XXXX  I looked on my credit report, I seen an account from Fortiva credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX XXXX XXXX with my Social security card. Which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX for the past five years when this account was opened in my name I was in the XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no credit card was ever Sent to me at my apddress at a XXXX XXXX. this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: CORELOGIC INC
State: TX
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:
The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. All Three Credit Agencies XXXX, XXXX and XXXX have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. The following is just from XXXX report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  Credco - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX   XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX   XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX XXXX XXXX - XXXX inquiry to XXXX   XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to 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 2023-12-03
Company: EQUIFAX, INC.
State: NJ
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 have dispute fraudulent information through XXXX, XXXX and Equifax for fraud inquiries, accounts and addresses. I requested that all info be verified in writing at this moment I have not received any dispute results. I asked that all accounts be verified with my signature, if this can not be given, all account must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter for ONLINE Information Services stating I had a debt from XXXX XXXX. When calling XXXX I had no balance and had been paid XX/XX/2022. This company is a scam with all my personal information calling my phone and sending letters to my home address with a false debt. XXXX also informed me this is not who they use for debt collection and upon reading online is a huge scam company that needs shut down ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-07-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted my bankruptcy discharge documents to XXXX  on XX/XX/2021 Instead of updating to Discharged they deleted the BK & all accounts included in bankruptcy no longer stated included in bankruptcy & are now showing as open, some with balances & charge offs. The accounts should not be reporting as open & should note that they have been discharged. With a XXXX balance. this is a violation of the Bankruptcy law. I have processed a dispute for all of the accounts that need to be updated to reflect this. my XXXX account wasn't discharged it was reaffirmed. But I will wait for XXXX to update that. the other accounts that are in dispute need to be updated or deleted entirely.

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 2023-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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. XXXX  Account Names # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
my Information was t was sold and bought illegally because I was a victim in Equifax Data Breach, I want my credit report deleted all names and addresses the does not agree with me address and name. Equifax has admitted the I was victim in the Data Breach and has done nothing to Please help me Delete all the Accounts that are not mine. Equifax have not even compensated me for the Data Breach and this have cause many emotional pain in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AR
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 items:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation