BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My personal and private information was sold to a third party credit collection company without my written permission. Par violation of title 15 usc 1692c ( b ), 1692b ( 2 ), 1692b ( 5 ), 1692e, 1692e ( 2 ) ( A ), 1692e ( 8 ), 1692e ( 9 ), 1692 ( 10 ), 1692e ( 12 ), 1692f ( 8 ), mail fraud / non mailable information, deceptive forms 1692j, Proof of original wet seal and signature not a copy!!! 
Extortion, embezzlement, The lawful definition of payment Requested validation from XXXX XXXX XXXX and no acquiescence, then they sold my non public/ private and personal information!!!! I did not give them permission!!!!! 
( I am power of attorney in-fact ) A consumer transaction The bill is in ALL CAPS!!!! 
Billing errors 31 usc 3123 18 usc 8 Ucc 1-308

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX my vehicle was stolen from me from a company that I have no contractual agreement with. I submitted a claim on XX/XX/XXXX and someone reached out to me named XXXX and he said that he was going to be investigating this case I have not heard back cents, and I am receiving notice to sell my private property. I am attempting to reach out to the company and they are assuring me that there is no way that someone could have contacted me directly because they do not do outbound calls. I have received false and misleading information from the company

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 2023-06-22
Company: Westlake Services, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I contacted Westlake Portfolio Management on Wednesday XX/XX/2023 to make a arrangement for my monthly payment of of {$500.00} to be paid on Friday XX/XX/2023 and they agreed. On Thursday morning a tow truck came and took my vehicle and I was only a week behind. When I contacted them I was told I had to pay the remaining balance of {$3000.00} to get my car back and the title. They wouldn't even take in consideration that I made a payment arrangement to pay my car note for XXXX on Friday. They dismissed the fact that I'm XXXX and have documentation that I was in the hospital that made me a week behind.

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Good day, Team, After pulling my credit report I have noticed you are reporting inaccurate information on the account XXXX this is a violation of the Fair credit reporting act. Due to inaccurate reporting you must delete this account immediately per the FCRA. Please remove all late payments or delete this account for the following inaccuracy. 

XXXXXXXX reports one 30 day late payment on XXXX XXXX, while transunion reports two 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. XXXX reports one 30 day late payment XX/XX/XXXX. These reporting are inconsistent and inaccurate. 

I XXXX XXXX solely submit this complaint and do not consent to e- Oscar or any means of automated verification.I have attached my drivers license as proof of my identity. Failure to respond to this complaint within 30 days could result in small claims action against your company.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 I bought a car XXXX XXXX XXXX, in addition I bought a mechanical protection plan valued in {$2900.00} to be applied to this car. Two weeks after XX/XX/XXXX approximately I cancelled that mechanical protection plan, then a week after TD Bank received the credit from the returned of such mechanical protection plan. Unfortunately XXXX Bank did not applied that credit to the principal of my loan, and my loan monthly payment and length remain the same. Please help to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on XXXX end. I've called XXXX and was told to call the 3 Credit bureaus about the errors reporting on my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had an open credit card account with XXXX XXXX XXXX and I have not been late on payments on this credit card ever since I applied for it on XXXX of XXXX. On XXXX of XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, XXXX XXXX XXXX XXXX XXXX XXXX have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, XXXX XXXX XXXX have decided to close the account on XXXX of XXXX. 
On XX/XX/XXXX, I reached an agreement with XXXX XXXX XXXX to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. XXXX XXXX XXXX did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.

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 2021-05-22
Company: OneMain Finance Corporation
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OneMain financial debited my bank account for {$310.00} on XX/XX/XXXX for a debt I owe when authorization to do so had been revoked back in XX/XX/XXXX. I was laid off last year and could no longer afford this debt, so I discussed with the local branch who agreed to cancel my auto pay. I had credit insurance which was paying this bill until I couldn't prove my unemployment any more because of fraud on my state benefits by a third party. They put me in collections in XXXX even though explained still not working and 3 months later debited my account without permission. When I contacted them, the rep said he saw notes from XXXX even illuminating that they would pay for a stop pay fee back then due to the error. He agreed to refund the money but subsequently hung up on me. When I called back and got the same rep on the phone, he claimed was an accident and that he could not get any of his 5 supervisors on the phone to return my money. Again, they debited my account without permission as I had revoked that access back in XX/XX/XXXX and admitted that he saw that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00} XXXXXXXX XXXX  XXXX Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: MO
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 disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2022-07-11
Company: DISCOVER BANK
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a custom-made doll from XXXX on XX/XX/XXXX, which had a delivery time of 4-6 months. At first, the seller kept in contact with me, but after the shipping time passed, she did not respond to my messages. After a couple of weeks of no response, I checked on the seller and saw that she had negative reviews that were similar to my issue. Additionally, her XXXX account was closed! I contacted XXXX immediately, but rather than help, they told me that I was a few days past their " guarantee '' and so they would not refund me the {$600.00} I was charged by the scam seller. 

I immediately contacted Discover, since I made the purchase on my Discover Card. This was XX/XX/XXXX. 

The Discover representative said they would let me know if they needed any documentation from me ; I NEVER received a request for documentation! 

On XX/XX/XXXX, Discover ruled in XXXX 's favor - I immediately checked to see their justification, and there are no details. I called Discover and they informed me I could still submit documentation, which I did. 

However, their decision several days later was the same. 

I'm honestly flabbergasted because I expect consumer protection to cover what is clearly a scam - a seller who charged hundreds of dollars for a purchase whose timeline goes past XXXX 's " guarantee, '' then closes her account when she's getting too many negative reviews... 

... yet Discover will not honor its own commitment to consumer protection? 

I feel frustrated an upset at both XXXX and Discover- this was a purchase over {$600.00} made to a clear ( in retrospect ) scam XXXX. Yet neither will make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABILITY RECOVERY SERVICE Balance {$560.00} ABILITY RECOVERY SERVICE {$630.00} Multiple attempts have been giving to Ability recovery in regard to verifying a debt. No formal nor approved given to show that I legally open this account at schools. I reached out multiple times to dispute the matter with the credit bureaus and also with the collection agency no response has been given to me within timely matter and objects has been verified with no given proof.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Yes I'm writing this complaint on behalf of myself and my fiance which we have been customers for years even when it was first XXXX on XX/XX/XXXX we were defrauded out of XXXX from my Huntington bank account through a zelle app which is connected to my account. after searching and saving for a place to rent! 4 months and a half on XX/XX/XXXX XX/XX/XXXX XXXX XXXX. I was contacted buy a person claiming to be the landlord of the property at XXXX XXXX XXXX XXXX and they were willing and ready to rent it out at that time .after several conversation We Came Upon agreement for the rent and deposit for the property on XX/XX/XXXX I was contacted by a person name XXXX XXXX XXXX and he worked for a company call Safe escrow payment through XXXX XXXX XXXX and that they manage the property for the seller he gave me an account number and the route number. for wells and fargo acc.to deposit a cashier 's check which i atempted. but had to redeposit into my account they informed me that my bank also deals with XXXX which I didn't know nothing about I got in touch with my bank and they assisted me on how to activate the XXXX that's on my account! by it already being connected to my account I had no idea that it wasn't insured like I said it was my first time ever using this app the next day I contacted the bank after I didn't receive the keys overnight and put a halt on the payment I would at least think that my financial institution would at least try to help me or direct me into a Direction so I can be helped instead they sent me a letter stating that I'm on my own! now who want to have an Institutional backing like that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
i have submitted several dispute letters asking how the accounts that are reporting negative on my credit report were verified. no response was ever given to me and the accounts continue to report incorrectly. both XXXX and experian are reporting these accounts incorrectly since they have not been verified and no proof has been given to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit 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:
I made a downpayment on a XXXX XXXX for {$100.00}. The downpayment was described as being fully refundable. I have requested a refund on numerous occasions and have never heard a response ; it seems as though the company is possibly going out of business, so this makes sense why they wouldn't want to refund my money. 

Amex refuses to refund this charge for me, saying it's too far in the past for them to do anything about. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account was closed cause of fraud which somebody stole my card i could not open bsnk account nomore and trying to get it back for work. I didnt have no amount i think i know i lost my card snd somebody used it. I will pay anything to get it back i need a bank 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 2023-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting error code NH. I called Equifax and they can't give a reasoning for the code. They stated it would be escalated. I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.

Company response to consumer: Closed with explanation