BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-12
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
Demanding full loan payment for repossession of vehicle.The payment app consistently is inoperable and is shutdown due to problem making it an issues to be able to pay bill. Signed up for auto pay yet the company did not take money out to pay bill.

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 2021-09-09
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
New York XX/XX/2021 Dear Consumer Protection, I seek your help on a fraud that was made into my Citibank account. 

I am submitting this complaint upon the advice of the New York State Department of Financial Services that I received yesterday at XXXX. 

Citibank allowed an unauthorized wire transfer of US {$5400.00} from my bank account and refused to pay me back. On XX/XX/2021 ( Friday ), Citibank called me to inform me about an attempt to transfer money from my account. The attempt was made in Texas. 

On this same day, I also called Citibank using the number at the back of my debit card to inform about the call. On my call, Citibank confirmed that the wire transfers were on hold. Normally, it takes 3 business days to process a wire transfer. Not in this case because it appears that Citibank even facilitated the money transfer quickly. In the email, Citibank informed me to cancel the wire transfers. However, the wires were not canceled. Citibank did not block the intrudersit only blocked me from accessing my account online and canceled my debit card. 

On that same call, Citibank also informed me to replace my debit card and temporarily blocked any access into my account, which thankfully it did. I received my debit card replacement on XX/XX/2021, Tuesday. 

On XX/XX/XXXX ( XXXX  ), I went to the Citibank XXXX branch to follow up. The XXXX could not do anything on my case. 

Below are details of the fraudulent transactions : These are the fraudulent transactions : XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1800.00} XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1800.00} XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1700.00} My family depends on our small earning. I only have an intermittent job and my wife XXXX XXXX XXXX XXXX. We have children in XXXX to support. Already it's very hard to make both ends meet especially during this period of the pandemic. I need my hard-earned money. 

I am ready to provide more details, if necessary. 

Thank you for your help and understanding. 

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 2021-01-04
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made several attempts to try and resolve a debt with NCA. I contacted them in writing asking them to validate the debt because I never received anything directly from XXXX XXXX. At one point NCA and another collection agency were trying to collect the same debt at the same time. NCA sent me a letter stating I owe {$2000.00}, but the paperwork that was sent to me as alleged proof shows {$1000.00}. They do not want to communicate in writing, they want me to call. The reason I prefer to have communication in writing is because the one time I did call they threatened to sue me and advised there would be no work out option, and they were calling all the shots. They have called my cell number numerous times with a pre recorded message and no one on the line after I advised them no phone contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, AMEX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written auth orization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: LD Holdings Group, LLC
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: Old information reappears or never goes away

Complaint:
1. Had a mortgage with LoanDepot a few years ago, which LoanDepot sold to XXXX XXXX in XXXX. This loan was refinanced by XXXX XXXX XXXX, XXXX. 

2. I am in the process of refinancing to 15years Fixed with the current mortgage company, XXXX XXXX. 

3. On XX/XX/XXXX, I received a called from XXXX XXXX Specialist to clarify if I am having another mortgage with LoanDepot because it is reflecting on my credit. Which was absolutely WRONG. 

4.On XX/XX/XXXX, I checked my FICO Score and I found that LoanDepot is truly reflecting on my credit report that I have a loan of ~ {$430000.00} with a monthly payment of {$3200.00} with them. I planned to call then on Monday, XX/XX/XXXX. 

5. On XX/XX/XXXX before I even get time to call them, i received a call from LoanDepot marketer offering me to refinance my loan with them at a lower rate. I was upset! She transferred me to their servicing department. I was put through to LoanDepot staff, XXXX XXXX. 

6. When I explained my case to XXXX, he apologized and put me on a hold which was later cut off. 

7. I called severally but no success. 

8. Please, tis company is ruining my credit. The previous experience with them was horrific in which I never want to have anything to do with them ever. Kindly help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: IL
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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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: Their investigation did not fix an error on your report

Complaint:
I filed a CFPB claim but the response was sent to an auto finance company. THIS IS NOT A DUPLICATE COMPLAINT!! Equifax and XXXX are reporting incorrectly on my credit report a collection that originated from XXXX. This account was sold to an unknown third-party and now there is a collection showing up on my credit report for {$560.00}. ( Please see page 19 of the attached credit report ). I do not believe I have ever had a XXXX account. If this account is mine then it has been over 7 years and is beyond the statute of limitations. Please remove this tradeline from my report. This incorrect reporting is a violation of the Fair Credit Reporting Act and is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.

XXXX XXXX XXXX : {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 customer service

Complaint:
In XXXX I made my payment on time. Capital One system cut off the last 3 numbers of my bank account making the payment fail. A few days late when I found out the payment failed I contacted them asking what the problem was and after an hour of being on hold and talking to 2 or 3 different people finally I got it fixed and made payment again. This time the payment went through no problem. Even though the problem was fixed and not my falt Capital One is using this as an opportunity take away the 0.0 % APR till XXXX 2019 deal they offered me for opening the card. The moment I found out that they were trying to take this away from I told the customer service to connect me with a supervisor so I could make them give this back. The supervisor I spoke to told me they would submit a ticket to get the 0.0 % APR till XXXX 2019 reinstated. I have been all Capital One every week for a month and they still tell me that the ticket is being worked on. I have to make a payment on this card in a few days. I am asking the CFPB to stop Capital One from engaging in this deceptive business practice and make some give me back the deal I signed up for. 0.0 % APR till XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MO
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, 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 The following accounts on my credit report are not accurate.

CREDITOR NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX** CREDITOR NAME : XXXXXXXX  XXXX  NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: AmerAssist A/R Solutions, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX failed to provide the service that they claimed. Not only did my teeth not get corrected as promised, but they also ruined the alignment of my bite so I have jaw pain. I tried to rectify the situation by asking for a new evaluation and another set of aligners or to have my money refunded so that I could go to a real orthodontist. CSRs play games and send you in circles until you give up. I do not owe this debt because I did not receive the service solicited. I stopped payment on the product and not until XX/XX/XXXX did I hear from anyone saying that they were claiming a collection against me. I immediately responded by email and they again gave me no resolution and turned the collection in to the credit reporting agencies ... just as I am building a house. My credit score has dropped over 100 points ... to a score disqualifying me from the loan commitment due in two weeks ; to buy my custom new construction home. Neither smile direct club or the collection agency will resolve this injustice. XXXX XXXX XXXX needs to be legally stopped!!!! It is fraud and causing terrible effects on thousands of people! I don't know what to do but this is an emergency!!! 
Please help me! 
XXXX XXXX XXXX XXXX Colorado resident

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with the Fair Credit Reporting Act XXXX  Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MO
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:
XXXX, Equifax and XXXX have reported unauthorized collections and hard inquiries on my credit reports.I havent giving them access to my credit profile to give to third parties with my private and personal information without my hand written consent under the permissible purpose by law stating that its okay to report on my credit reports they are reporting illegally inaccurate false information about me these three companies above is violating my consumer rights to privacy persuant to 15 usc 1681b. I want all negative items from my credit report removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.

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 2019-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citizens Bank checking account overdrafts and fees 1 ) instructions by me not to pay any overdrawn amount repeatedly ignored 2 ) overdraft policy poorly defined 1 month only overdraft paid is scheduled payments not debit purchases after funds not there only to have it change and debit purchases allowed but scheduled payments returned only 5 days after they post to account ie I made two credit card payments within 30 seconds of each other because I have two cards with one company. Almost a week after they posted to my account one of the payments was reversed meaning my account was charged overdraft fee when it posted and return fee when it was arbitrarily sent back. A week later a scheduled payment was paid posted to my account then a week later returned. Overdrafts are allowed to accumulate and then at an arbitrary time card is constantly declined. Over a year ago I repeatedly requested no overdrafts because every manager I talked to defined it differently how and what debits are allowed as overdrafts. This refusal to follow my instructions has resulted in high overdraft fees every month resulting in THosands of dollars paid in fees over the life of my account.

3 ) Six months ago I deposited check from company. Bank sent letter saying extended hold placed on it. Bank sent letter within 3 days of deposit saying would not honor check. My bank app showed that the check amount not credited to my account but their register showed it being deposited delaying fund depletion but when sent back I incurred fees and overdrafts These policies make it too difficult to manage account to prevent overdrafts but the bank does not seem to allow me to request no overdrafts. I am XXXX in constant pain and the mental process of managing condition causes lapses in my ability to manage funds using online tools that is why for over a year I have requested no overdrafts to be allowed. The arbitrary overdraft policy assures bank of monthly overdraft fees and a {$30.00} a week extended overdraft fee costing me thousands of dollars in overdraft fees. Over the years my complaints have resulted in some fee reversal but it is nothing compared to money I have lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is listed on my credit report. Reported by XXXX XXXX XXXX in XXXX SC which I never lived there. I sent them a certified letter to provide me proof that this bill is in fact mine. I asked for copies of a lease agreement with my name and other items to provide me proof. I sent the letter about 3 weeks and no response yet. I want this removed from all three credit bureaus effective immediately. They are very rude and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NV
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-04
Company: JPMORGAN CHASE & CO.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, 2 USPS money orders for {$1000.00} each were deposited into my account. The account was promptly locked by Chase 's fraud dept. After numerous customer Service calls, I was told to physically go to Chase 's physical branch to verify the money orders, and I completed all requested actions to verify them. Then, a few days later, on XX/XX/XXXX, the 2 Money orders were debited " Debit DDA - Check Charge '' and removed from my account in 2 {$1000.00} transactions. A few days later, {$1000.00} was credited to my account, and on XX/XX/XXXX I withdrew the {$1000.00} balance. As of XX/XX/XXXX, {$1000.00} is still missing from my account and dozens of hours on the phone with Chase Customer service has yielded nothing. As of today, the account was recently blocked again pending closure, with no letters/emails/communication whatsoever updating the status of my missing {$1000.00}. This is the worst banking experience imaginable for a small business owner. It's illegal to take valid, verified funds, and close the account. As of right now, I can't even access this the transaction history as the account is " closed '' and they refuse to re-open it. The only resolution I receive in exchange for hours of my time is " an email is being sent to the back office that handles releasing the funds back to you, you'll hear from us in 4-5 days. '' Due to the appalling customer service quality, this never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion displays innacurrate employer on credit. I do not work for XXXX  XXXX, I work far 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 2021-01-03
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company response to consumer: Closed with explanation