BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: ALLY FINANCIAL INC.
State: WI
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:
I contacted Ally Auto ( subsidiary of Ally Financial ) regarding placing my vehicle on loan through them in storage, in order to be able to reduce the insurance cost and not be penalized. My first contact with them was around XX/XX/2020. I reached out via their chat system to inquire about what the process was for completing this. They told me that they would submit a request for a letter of storage approval to be mailed out to me, and I would receive it in 7 to 10 business days. 

Around XX/XX/XXXX, I had received nothing in the mail. So I reached out to them again regarding this matter, asking for a status update. This was again via their chat system. The representative told me that they needed more time, and to please allow for 7 to 10 more business days. I ended the chat, and began waiting again. 

On XX/XX/XXXX, more than a month after my initial request, I still had received nothing via mail. This time I called their customer service line, asking for another status update. The customer service representative placed me on hold to check the status of what I had requested. They came back and told me that there was never a request in their system for a letter of storage approval. They said that they would place the request, and to please allow for another 7 to 10 business days. That same day, I also submitted a complaint to their customer service department, and it said that if they received a negative feedback, I would be contacted via phone in the next 1 to 2 days. I never received a phone call back. I also have not received any letters in the mail regarding placing my vehicle in storage. I'm coming on close to two months, and I have now paid an extra couple XXXX dollars in insurance for a vehicle that I am currently not driving.

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 2023-02-12
Company: EQUIFAX, INC.
State: CA
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CNG HOLDINGS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is performing unlawful credit reporting acts. XXXX XXXX has all three major credit reporting bureaus reporting completely different information based off false information reported by XXXX AND XXXX XXXX. Documents they report with are cropped and tampered with digitally. XXXX XXXX contacted Tempoe and the company stated that the account is showed as paid with them. They explained that the debt was sold as an accounting mishap on their behalf. Before XXXX and XXXX got involved, Tempoe cleared up this information with another debt collector and even sent out documentation showing that the debt was paid. XXXX and XXXX XXXX are unlawfully seeking payments for debts that have paid in my opinion. Falsifying information to collect debts that have clearly been reported as paid by the Original Debtor ( Tempoe ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX XXXX and I am submitting this XXXX round CFPB to complaint of the same thing over and over again. I am submitting this CFPB Complaint as a response to the Credit Bureaus recent investigation on my Credit File. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking you for more information regarding these particular items in question. I took the liberty to investigate my own Credit file and took note of two things : 1 ) the Credit Bureaus still report the disputed accounts as late despite the fact that I never missed a single payment ; and 2 ) there are accounts that are reporting on some Credit Bureau that have already been updated or was never late in the other credit Bureaus. The Credit Bureaus are not reporting accurate information on my Credit File, which is a clear violation of a consumer 's rights under the Fair Credit reporting act. I am now requesting once again to please investigate the following accounts and correct the information they report on my Credit File : XXXX XXXXXXXX XXXX  XXXX XXXX Opened XX/XX/2021 Balance : {$680.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2021 Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2021 Balance {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was lied to by lending club, i borrowed XXXX, XXXX from them to pay my credit cards off. They took out the fee which i understood, but the problem was, they deducted XXXX every month for 3 months, and it is still XXXX that i owe. How is it that i still owe that much when they have been taking {$180.00} for the last 3 months. Either they lied, or they never told about any hidden fees. I want this resolved. I try to talk to them about it and they came up with some poor excuse, about it should go down by XXXX of this year. They took advantage of of me and i want my hiddens fees they took out back. I hope you can resolved this issue. These people are deceivers. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a dissappointment seeing my Credit File still indicated the disputed accounts and information beinf reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information as well as the ID THEFT REPORT I have been receiving from the FTC. I ave also been submitting CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, no matter how persistent I am, the Credit Bureaus have also been consistent in ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act section 605b, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I am now submitting this CFPB complaint to infrom the Credit Bureaus that I am working with a legal counsel to file a lawsuit against the Credit Bureaus. If the Credit Bureaus are not able to remove the dsiputed accounts and information per request within the time allowed my law, I will be forced to file the lawsuit. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$540.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$620.00} XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Jefferson Capital systems has called my work phone on multiple occasions. I have answered the phone and told them that the individual they are calling for no longer has this phone number and to stop calling my number. They refuse to stop calling me, I answer and greet them with my work phone greeting and they hang up, and they will not answer when I call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CITIBANK, N.A.
State: FL
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 XXXX acrylic prints for my wife for our anniversary. I paid through XXXX using my credit card. When I received the prints they were damaged and I requested a refund through XXXX. This went nowhere, so I contacted Citi to step in and resolve the matter. I submitted images to Citi showing the damage and their 'investigator ' resolved the dispute and is holding me accountable. How is this possible? I paid good hard earned money for an item, and I received something not as advertised. They had damage, so much so that you can not hang them on a wall or look at them. I am requesting that Citi do the ethical thing here and resolve this dispute in my favor for paying for and receiving damaged items. If the merchant wants the damaged items back, they can send me a prepaid shipping label and I will gladly send them back, but I refuse to come out of pocket to mail these things back to XXXX. Thank you

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Name : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi! 
I purchased an item online on XX/XX/XXXX by using PayPal services under they promised protection. 
I filed a complaint with PayPal on XX/XX/XXXX bc the seller havent provided shipping information and tracking information.Payment closed my case bc the seller eventually provided a tracking information.By that PayPal closed my complaint bc by their policy if the seller provided the tracking information for the item they will close the complaint. 
By tracking the package I should have received the item by XX/XX/XXXX but I never did it. 
After calling XXXX they said the package been delivered to other address in our city and an other person and not to us.They say the package never been addressed to usXXXX refused to give us more information bc of privacy reasons. 
After telling this to PayPal they refused to help us even there are evidences on our sides.They havent even opened an another case.I am unfortunately looks like got scammed and PayPal refuses to fulfill they promise to protect me and get me a refund.And also very concerning PayPal doesnt require sellers to provide evidence when they ship the item what is the name of the recipient and what is their exact address.So scammers can just give a tracking information and just send a made up package to a made up random address in the same city. 
The value of the item was 2020 $ It was a XXXX XXXX. 
Please note the proof of delivery does not show the address where the package been delivered.This is bc privacy reasons and bc the package wasnt addressed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX dispute letters were sent to all three credit bureaus XXXX, TransUnion, and XXXX. In response, they sent a frivolous letter stating they would not honor the request to investigate the consumer report. In turn, I sent them a failure to respond letter. Now I am initiating a complaint through the CFPB because they did not honor my request to investigate. Because of this it is hindering my ability to take care of my family and causing emotional distress. Based on this incorrect information in the 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: GA
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 below have violated federally protected consumer rights and confidentiality under 15 USC 1681 XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that credit exercise their grave responsibilities with fairness and and respect for the consumers right to 15 USC 1681 section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the circumstances and no other in accordance with the written instruction from the consumer to whom it relates also 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable doubt to believe that the information is inaccurate

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 2023-04-06
Company: National Credit Systems,Inc.
State: SC
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:
It's been over thirty days and the creditor has not updated the information, nor has provided proof or documentation in regards to a late payment. They have not supplied this information. And they must delete the alleged payments on my credit reports. Under Federal law they had thirty days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CarMax, Inc.
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 is missing that should be on the report

Complaint:
I have an account with Carmax that is not showing on my XXXX credit report. I have contacted Carmax with no results. The account shows on XXXX and XXXX, but not XXXX. I also contacted XXXX but they report what is given to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I worked for XXXX XXXX where I encountered medical issues in XXXX. I had to file XXXX XXXX   XXXX. I also had to file XXXX XXXXXXXX XXXX  in XXXX. 

I called XXXX XXXX and informed them I was on XXXX XXXX XXXX in XXXX and in XXXX. I obtained my credit report and I see XXXX XXXX has put late payments on my credit file during this time. 

The entire process I communicated with XXXX XXXX. XXXX XXXX even put me on a special payment plan during this time. XXXX XXXX failed to tell me that they would be reporting late payments while I was on XXXX XXXX XXXX 

This is unethical. I have written several correspondences, emailed, and called XXXX XXXX and have received no response to help me with removing these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was to receive remediation checks from Wells Fargo and they were sent to an old address I no longer reside at. I know they were sent because I saw many opened letters from them with the amount that was to be on the check calling them remediation checks but there was no check. My little brother that lives at the property carelessly went through my mail but never cashed any of the checks. I tried asking customer service if they can be resent but they said they cant help me because I dont have the old account number. That they cant look it up. I just want my checks re sent to current address. I have no idea what else I could do. I looked up unclaimed property through the ca.gov site and they didnt report it to them. I could give my information and the address the checks were sent to in a secured message .Please call or email me back with the next steps needed to claim my money please. - thank you

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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX Capital one Bank is a good Bank but I have not Authorized them to pull my credit. I have sent XXXX, XXXX, and XXXX XXXX different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a Capital One account nor have I applied for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NM
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation