BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
A auto loan that was financed under my name that XXXX XXXX Of XXXX was the dealership sold extra products to me ( was suppose to be a cosign loan ) and at my request for gap and I made certain to mention at the said time, NO ADEMDON, CONTRACT ONLY! Yes Ms XXXX, contract, I asked if it weren't XXXX XXXX XXXX and was told once again NO. Latter in the year, the unthinkable happened and the XXXX  truck was totaled. I figured it would be paid off, NOPE. I'm left holding additional {$2300.00} that the gap won't pay off and a negative on my credit with Ally Financial. I have or had awesome credit due to me always paying on time. I asked Ally if they would work with me to drop all interest and late fees and I'd send XXXX XXXX every month until paid off, NOPE Account Info Account Name ALLY FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/2020 Status Open. 
Status Updated XX/XX/2020 Balance {$2300.00} Balance Updated XX/XX/2020 Recent Payment {$1700.00} Monthly Payment {$790.00} Original Balance {$48000.00} Highest Balance {$0.00} Terms 78 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 30 Current on payments 30 30 Days Past Due Balance History Date Balance Scheduled Payment Paid XX/XX/2020 {$8200.00} {$790.00} {$0.00} XX/XX/2020 {$49000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$0.00} {$0.00} XXXX  XXXX  {$47000.00} {$0.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00}

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 monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and remove the accounts that are being reported in my credit report. I am needing your help because the company reporting this is not helping me out. Carrying out the investigation took more than 30 days!

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 2021-01-07
Company: Netspend Corporation
State: MO
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:
My card was locked I called and got a new card sent to me this was XX/XX/XXXX the lady unlocked my netspend card sending me one two days later when I activated the card I called to make sure my funds were transferred well the lady I talked to must have thought I stole the card cause when asked my address I said which one do you want the one I just had the card mailed to or the original account address next thing I know my card is locked and they are saying I have to have 3 forms of proof who I am I sent them two photo ids and social security card they said that's not good enough I have to have proof of address I told them I dont have that ive only been out of prison three weeks and have no way of giving them that.theyvsaid they would mail me a check with my remaining balance I waited the 10 days still no check I called them they said they couldn't mail the check cause o couldn't prove who I am well now my stimulus has been direct deposited to the account and they still wont give me my money they have close to XXXX dollars of mine and I don't know what else to do they are no longer answering me please help netspend is stealing my money and knew it

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 2022-09-08
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The following disputes require further review by a government agency. 

CitiBank disputes : XXXX - {$440.00} XXXX {$130.00} XXXX {$320.00} Dispute XXXX was resolved in my favor, the above disputes were raised for the exact same reason but for some reason they are being treated differently ; for some reason Citi keeps asking me to go back to the merchant to resolve an issue I already tried to resolve with the merchant. I would not be raising the dispute if the merchant was adhering to the policy stated in customer service chat. 

Here are the in depth details. 

I raised multiple disputes for charges with a merchant called XXXX XXXX XXXX XXXX citing they are refusing return of many items that were eligible for return. 

Dispute was raised because I asked the merchants customer service chat system if I was allowed to return sale items. In the chat the merchant customer service responded yes that I could return sale items. 

I have screenshots of that chat confirming all sale items could be returned. 

I proceeded to make many purchases on this website based on the ability to return sale items. 

Upon receipt of goods when I tried to return the items that did not fit, the merchant cited some sale items could not be returned which was not what was explained to me at the onset PRIOR to purchasing. 

At the point of purchase, and at the final purchase window FINAL SALE was nowhere to be found. 

After reaching out to the merchant and trying to resolve it with them directly ; the merchant said some items could not be returned. 

After merchant refused return, I called CITIbank customer service and explained the issue. The Citi agent told me to raise disputes for all orders where the refusal of return was taking place, and keep the items they would not let me return until the dispute was resolved. The CITI agent told me to keep the items that were not allowed to be returned, file disputes and ship back what was allowed to be returned. 

So I followed the direction of the Citi agent. 

I raised the disputes and now CITI is asking me for proof of return, which is counter to what th agent told me, I returned the items eligible for return and raised disputes for the items that the merchant refused although I have in writing from the merchant that ALL items were eligible for return. 

Citi is asking me to go back to the merchant and resolve something I tried to already resolve ; thus Citi is not making the concerted effort to resolve the problem. 

I still have the items the merchant refused to allow me to ship back and will ship them back when I am able to generate a return label, and the merchant gives me a Prepaid label that I do not have to pay for.

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
Please remove account as soon as you can.

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 2022-04-27
Company: Mr. Cooper Group Inc.
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into COVID forbearance on my account due to financial hardship, which ended XX/XX/XXXX. On XX/XX/XXXX, I applied for Vermont 's Homeowner Assistance Program ( VHAP ) which is Vermont 's XXXX funded Homeowner Assistance Fund ( HAF ) program. I was approved as eligible, however, it took months for Mr. Cooper to onboard into the program. Once Mr. Cooper was onboarded, VHAP sent Mr. Cooper an I-Record via XXXX on XX/XX/XXXX requesting that Mr. Cooper verify the account information by sending a V-Record. It is now nearly a month later, and Mr. Cooper has failed to submit the V-Record which is the last step in the process to approve me for VHAP assistance of {$30000.00}. Because I have been waiting so long for Mr. Cooper to be onboarded and for them to cooperate with the process by sending the V-Record , my delinquency is now above the {$30000.00} program cap. I am able to pay the difference via certified funds, but I can not reinstate unless and until Mr. Cooper submits the V-Record for my account to VHAP so that they can disburse the {$30000.00} in XXXX funds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-05
Company: EQUIFAX, 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: 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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX ( XXXX ) : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX we purchased a XXXX XXXX with a large down payment and an auto loan from Wells Fargo that would become a nightmare. The bank gave no option for autopaying the loans, so we had to call up and manually process a wire transfer from our bank each month. For some reason, our payments chronically failed to process and the bank never informed us if our payments were late. We ultimately paid off the loan three years early but the payment failed to process for reasons that were never clear, and my husband 's credit score dropped 100 points. I know Wells Fargo has an abysmal reputation for having normalized the types of frauds typically associated with ponzi schemes, but a straightforward auto loan I never had a problem paying did not seem to be the sort of product that would invite abuse and predation. Boy, was I naive. Now we are trying to buy a home and our credit has been destroyed by this XXXX loan we never even needed.

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 2021-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 a call from XXXX and XXXX called to say my credit card was used to purchase several items from XXXX. They knew my credit card number and expiration but wanted the three numbers on the back. They called several times in a row. I called the Capital One number on the back of the card and this is not their process and the purchases were never made. 
I cancelled the card. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased AMEX gift card from XXXX in XXXX, Illinois on XX/XX/23 @ XXXX XXXX. I have an electronic card activation receipt from the store. I called the number on the back of the card to activate my gift card. It informed me to wait 40 minutes or so before I could use it. When the time was allowed I proceeded to use XXXX to pay for an advanced purchase. The card was declined. I called XXXX and they said it was being declined by the issuing bank. So, I proceeded to call the number on the back of the card and was told at that time to wait 24 hours. So, I did. My balance at the time was exactly {$240.00}. The next day after my 24-hour, wait period, I attempted to pay for my purchase and it still declined it. So, I immediately contacted the number on the back of the card and as I spoke with a representative it was discovered that the card was compromised. During the same conversation, a dispute claim was filed. I was told I was going to receive an email for me to add any additional information but I never did. I called not once but twice to inquire about the email. I was told that it would take 5 business days to receive an email then during the second call, I was told to check my junk mail which I had. Lastly, was told that it would take 45 days to receive the email. As of today, I received an email denying my dispute. The company is assuming that I made these purchases outside of my city. I know banks deal with a lot of scammers but not everyone is. I feel offended that they just assumed this and were so quickly to dismiss my case. I know the gift card amount is not huge but for the average person struggling in this economy it is. I feel communication was handled poorly and the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This company closed my account because I was receiving unemployment and it was frozen on XXXX XXXX. I was told they would send a check after they investigated and closed the account. Still to this day I have not been able to get an update nor an help about where my money is or why my account was closed. I also have been consistently mistreated when I call them. I can not remember the exact amount that was in there but it was about {$2000.00} that was stolen from 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 explanation
Consumer complaint received 2021-01-17
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having an issues opening a checking account with Chase Bank. I have never opened a checking account with Chase Bank. Chase Bank is discriminating against me because of a previous bankruptcy from XXXX XXXX. Chase Bank is discriminating against me because of my race, me being XXXX XXXX XXXX XXXX ). Chase Bank is denying me credit and an opportunity to reestablish my credit. Chase Bank is in violation of the 1974 Equal Credit Opportunity Act. ( ECOA ). Full Name : XXXX XXXX XXXX, XXXX :XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried to have Trans Union to correct the inaccurate information and I also notified them of the fact that they were in violation of my federally protected consumer rights. They have yet to delete the information per my request or update my consumer report.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and the late payments need to be updated.

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