BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Ally for a payment assistance and I submitted the paperwork on XX/XX/XXXX. I called back on XX/XX/XXXX requesting the status. I was told it was approved so I asked about the payment due and was told that because " you attempted a payment and it was rejected that's all we needed so the payment would be added to your next payment due. You do not need to resubmit the payment. '' That immediately sent red flags and I asked for something in writing to confirm that my request was received and approved but I am being denied my request and being referred back to the document I sent in. In XXXX, I went on a payment assistance program for my car and when it was over, there was a lot of confusion because Ally does not send any confirmation out and it's my word against theirs. All I am asking is for a simple letter stating that the payment assistance was received and approved, for the dates, and confirming the amount owed. I even asked if someone could stamp the document I signed and faxed back and I was told no. This is making me uncomfortable because there has to be someone who can provide a confirmation of change especially since this is relating to something financial.

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 2021-05-11
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I, personally, sent a letter to them requesting they verify this debt. I JUST received a letter YESTERDAY (XX/XX/2021) DATED XX/XX/2021 REFUSING to verify my debt with insult and states the following : " We recently received a direct dispute from you regarding certain information in your credit report. After reviewing this dispute, we have reason to believe that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Therefore, as permitted by XXXX, we have determined your dispute to be frivolous and irrelevant and will not investigate it. '' SERIOUSLY???? Not only did they NOT answer me within the proper timeframe but they REFUSE to validate my debt but yet and still they have the right to leave negative remarks on my credit report???? How can they get away with this??????????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.C. System INC. repeatedly adds the same fake debt to my credit report. I have already successfully disputed the fake debt twice and had it removed before but they keep adding it back. The amount the are falsely claiming is {$61.00} and allegedly originated with XXXX internet. XXXX has absolutely no record of this debt when I spoke with them and said it doesn't exist. I do not recognize this debt as being mine.

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 2023-10-06
Company: William D. Meeker Enterprises, Inc.
State: OH
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:
I was shopping for Mortgage and auto loan. All of a sudden I get all this inquiries more than XXXX inquiries which has affected my credit. At this moment my loan cant be approved if they are not removed. Without this loan I will lose it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the last 5 years, on or about XX/XX/XXXX each year, I have attempted to use the www.annualcreditreport.com website to check my free credit report with Equifax. My wife has tried to check her free report on the same day as well. 

In nine out of the ten attempts, Equifax 's website has told us that it is " unable to deliver our credit report online '' and has forced us to call or mail a request for the report instead. This error message always occurs after correctly answering a series of challenge questions to prove that we are the subjects of these credit reports. We have also verified that our credit files are not frozen at the time we request the reports. 

The paper reports are eventually delivered to our mailbox weeks later, but our area has a history of mail theft and I feel that this delivery method is significantly less secure than online delivery. Plus, I am trying to use less paper in my filekeeping and then have to scan and destroy the paper reports that are delivered. And the scanned copies then consume significantly more hard drive space than original PDFs would consume. 

I just want to be able to easily download a simple PDF of my credit report from Equifax 's once per year, like I am able to do with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: IL
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 submitted a dispute to your company after i found several inconsistencies and errors. The responsibility of the credit bureaus remains to verify information before posting. if inaccurate information is found it must be deleted immediately according to the FCRA. 
I did not request these accounts to be updated, I requested for them to be verified or deleted. this is my final attempt to resolve before contacting attorneys.

Company response to consumer: In progress
Consumer complaint received 2021-05-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX : Notice of Intent to Sue Dear Santander Consumer USA, This letter is to inform you that I have a claim against you On XX/XX/2021, for the contract where information was not disclosed on my contract within the XXXX XXXX, and you have several violations. Therefore I am sending you this letter and I am serving you and giving you the opportunity to settle out of court. 

The Right of Rescission, Pursuant 15 USC 1635, 15 usc 1605, 15 usc 1611, 15 usc 1640, for actual damages you have caused, also 15 usc 1602 ( f ) ( g ) ( I ) ( L ) The claim has not been resolved and unless it is resolved within 15 calendar days from the date of this notice, I intend to bring suit against XXXX Santander Consumer USA XXXX for XXXX damages or specify relief ). Report a positive balance this month and every month after to the credit bureaus for the accounts to reflect in a positive standing currently after my title is given to me free and clear of any liens. Please send the title and total invoice amount to the address listed. I am seeking compensation for the damages. To resolve the dispute or claim, I am willing to settle this out of court with the following. ( settlement offer listed above ). This offer is good until 30 calendar days. Unless resolved in accordance with the terms of this letter, you will be served with my XXXX XXXX. 


Your attention is appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened a consumer account with Gemini Trust Company , LLC using their XXXX  App on XX/XX/XXXX under my personal email account XXXX. My account was verified by them on the same day of XX/XX/XXXX. I made my first transaction to purchase the cryptocurrency XXXX on XX/XX/XXXX, in the amount of {$480.00} charged to my credit card. On XX/XX/XXXX I tried to access my account through the app and was prompted to verify my identification again. I have not had access to my account or my funds since XX/XX/XXXX. I resubmitted my California driver 's license as requested for review. I followed up with numerous emails to their customer support through their website ; https : XXXX as well as by email on XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. I received an email reply on XX/XX/XXXX as follows : Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( XXXX XXXX XXXX ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

XXXX and XXXX, XXXX XXXX was given a trouble ticket # XXXX. My ticket has still not been resolved and I do not have access to my funds as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Problem/Issue : After informing Marcus about an incorrect address, Marcus continues to send statements to an address that I no longer live at. 

Result : Statements not received, late statements and a risk to me as someone can pick up my statement and create fraud. Marcus management is neglecting their duties to protect my data, inform me of a regular timely statement through US mail that can be paid before encountering a late fee. 

Expectation : Marcus will permanently fix the address issue and send me timely reliable statements. 

Background information : Marcus took over the GM Card after XXXX no longer did this in XX/XX/2022. I moved and informed Marcus of my new address. I began receiving the statement at my new address with the correct address. In XX/XX/2022, I did not receive a statement from Marcus. I logged on to Marcuss website and downloaded the statement and paid the bill. 
I called Marcus and informed them that I did not receive a statement. They offered to mail one or email it to me. I informed Marcus that the XXXX statement had an error on it, and the address was incorrect. I indicated to Marcus that I wanted them to correct the address issue and send statements to my current address and that there was a problem with their information billing system. Marcus has my current correct address associated with my customer profile. I also provided it to the customer service representative who indicated that Marcus would fix the incorrect address. The customer service representative seemed to not understand the issue after repeating the situation a number of times to her. 
On XX/XX/2022, I received a letter from the US Post Office with a yellow label on it stating inform sender of address. I opened the statement, and it had my old address on it. I received the statement late and had to rush to pay it before encountering a late fee, in which Marcus is to blame, since they again failed to protect my data and send me statements directly. 
I called Marcus again to inform them about the incorrect address on my billing statement. Again, I found disconcerting was that the representative would not take the issue and assure me that it will be fixed. I informed Marcus that I am going to file a complaint. Marcus does not seem to care about my personal data, business with them, compliance with the credit card agreement, and sending me reliable, accurate and timely statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: SLM CORPORATION
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, I am writing this letter to bring to your attention a serious concern regarding the violation of 15 USC 1681, also known as the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that my rights under this important federal statute have been infringed upon, and I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate and take appropriate action against the party responsible. It has come to my attention that a credit reporting agency ( CRA ) or a creditor has willfully violated several provisions of the Fair Credit Reporting Act. The specific violations include but are not limited to inaccurate reporting by Sallie Mae and failure to investigate disputed information or creditor has inaccurately reported information about me to one or more credit bureaus. This has resulted in significant negative consequences for my creditworthiness and financial well-being. I have made diligent efforts to rectify the inaccurate information, but my attempts have been met with resistance and inaction. Despite notifying the CRA or creditor of the inaccuracies in my credit report, they have failed to conduct a reasonable investigation within the stipulated timeframe as required by the FCRA. This failure has further perpetuated the harm caused by their inaccurate reporting. I have reason to believe that the CRA or creditor has made an unauthorized inquiry into my credit history without my consent. This unauthorized inquiry is not only a breach of my privacy but also a violation of my rights under the FCRA. In an effort to address these violations, I have made multiple attempts to resolve the matter directly with the CRA or creditor. I have provided them with all necessary supporting documents, including evidence of the inaccuracies in my credit report and written requests for investigation and correction. These implications have a serious consequences. For example, my personal data including, but not limited to address, my full name, work number, social security number, etc. This had effected me financially and emotionally. This defamation of my character has hurt my credit score which I was threatened my credit score would suffer and the possibly of being taken to court as well when trying to understand my charges from Sallie Mae. Not to mention, my info that was leaked and apart of data breaches have also been leaked to third parties and the dark web according to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I fell victim to a multilayered scam operation orchestrated by XXXX ( XXXX XXXX ) and innocently lost {$190000.00} USD of my hard-earned life-savings. It started in XX/XX/2022 when a woman claimed to misdial a phone number asking about a client. We started talking to each about personal life and over the course of a few months she recommended cryptocurrency trading for making money through Crypto.com and XXXX. I was intrigued and unknowingly decided to put money into the XXXX  platform thinking it was a legitimate trading company. XXXX XXXX cleverly orchestrated a prevalent scheme of deception to lead me to invest significant sums while knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The overall purpose of the scheme, in other words, was to target and defraud me who is inexperienced and nave in the cryptocurrency market, in pursuance of illicit wealth through various fraudulent representations. I did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon me by XXXX XXXX. Due to personal circumstances, I was particularly vulnerable during the victimization period ; I was also relatively financially illiterate and very inexperienced in the finance sector which made me a prime target for criminal enterprises in this field. To be clear, people who have been scammed such as myself, are not individuals who have made poor investment decisions. They are people who have been tricked, lied to, deceived and emotionally manipulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Motolease, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Attached is the email correspondence between myself and XXXX XXXX who represents Motolease LLC in relation to a debt that they previously sent correspondence via the CFPB portal that was considered delinquent as of XX/XX/XXXX. This is well past the four year statute of limitations in California as described in CCP 337. According to 12 CFR Part 1006.26 Part ( b ), A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. According to CCP 337, there is a four year statute of limitation on a current account. According to the letter sent through the CFPB portal this account became defaulted at the latest on XX/XX/XXXX, which makes it past the four year statute of limitations. In this email thread she is repeatedly threatening to take me to court over a debt that is no longer collectable. In addition to this, she refuses to allow me to contact her supervisor or manager. According to bidhistory.org this VIN was last sold in XX/XX/XXXX by XXXX XXXX. In their letter they state that it was sold or to be sold XX/XX/XXXX. There are three repossessions on the consumer report of XXXX at three different times. In addition to this the consumer report states the account is OK for many months following the second repossession listed. This data has been supposedly verified but this is clearly not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: MS
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:
In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. 

In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? 

I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? 

Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. 

This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with XXXX, XXXX, and equifax, they still allow this company to destroy my credit by reporting unverified inaccurate information every month. 

This account is intentionally destroying my credit file. 

I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company ( XXXX  ) destroy my credit worthiness by reporting inaccurate unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited my last state of California paycheck & leave balanced cash-out check into this account. It was large with a net amount of {$27000.00} On XXXX they locked all 4 of my Etrade accounts and put me through 3 days of ridiculous questions of this State of Calif. check, & other deposits preventing me from any activity at all. I spent 3.5 hours on the phone dealing with several agents but mainly a manager, XXXX XXXX was making these judgment calls, even accusing me of money laundering.

Company response to consumer: Closed with explanation