BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: ALLY FINANCIAL INC.
State: MN
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:
Ally is unable to take a report of an error on their website. I signed up for a new credit card and was able to activate it and not able to enroll in online banking. When I did call on XX/XX/2023 to get help enrolling in online banking, the customer service representative told me there is no way for her to report a problem with the website. There was no solution for enrolling me in online banking and I closed the account. Ally bank is not able to provide successful website operations and that is XXXX of the advertised offerings of their credit card. The customer service representative was rude and passive and made rude XXXX comments about the deep sound of my voice and said that my deep voice meant " XXXX XXXX '' to her.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX/DEPT OF ED # XXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2022 EQ 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 of 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 2023-01-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$32000.00} Account Type : XXXX XXXX XXXXXXXX XXXX : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX : {$0.00} Account Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXX : {$390.00}

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 2023-02-25
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed both accounts multiple times as an erroneous and duplicative but the company has refused to take appropriate action to rectify the matter. This issue has caused undue hardship for me and my family and an inability to secure housing after a recent major catastrophic event ( XXXX XXXX ). 

The company retained my deposit upon agreement of termination of the lease and later added duplicative charges for the amount that was already paid to my credit file. The leasing company admitted that there was a clerical error but they have refused to address this for years. 

At this point, I am going to advice of legal counsel for damages for the breach and potentially punitive damages for their intentional and gross misconduct. These accounts need to be removed, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: AXOS FINANCIAL, INC.
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
On XX/XX/XXXX we received in the mail a " Notice of Dormant Account '' from Axos Bank. We were baffled since we have a 60-month CD account maturing on XX/XX/XXXX with the bank. We tried to log-in to our online account and were locked out. We called Customer Service around XXXX and spoke to " XXXX ''. After a lengthy verification process and several times on hold, XXXX stated the following. " Since we did not make a deposit or withdrawal in the past two years, the account has been rendered Dormant and he threatened to hand the funds over to the State as a dormant account if we don't make a deposit to the account. We informed him that it was a 60-month CD with no such requirements, this is tantamount to blackmail, unethical and illegal practice. We are not obligated to make deposits to this account. We have over {$110000.00} in that account and we have various CDs with many other banks. And we never received such a demand or letter of this nature. Further, we have been with the bank for many years and never received a letter like this. When we addressed the fact that we are unable to log-in to our account and we asked XXXX to unlock or reset the password for the account and/or set up the password and send it to our email or to our home phone, he refused to do so and demanded that I take a picture of my driver 's license and another picture of me holding my driver 's license and email it to him. This is unacceptable since we have been fully verified. We believe this is a deliberate act to force us to make deposits and threatening us to hand over our account to the State. This is a form of fraud and/or a scam and should be fully investigated and hold the bank accountable for such unethical and illegal practices. Our phone conversation with XXXX is recorded, please listen to it. At this point our account is locked, held hostage by Axos Bank and we do not have access to our money. We asked to speak to a manager and XXXX said he would be calling us in 24-48 hours or longer, we have not heard from anyone. I urge you to fully investigate this matter. My husband, XXXX, participated in the conversation and XXXX XXXX XXXX XXXX XXXX XXXX prior to losing his XXXX. He did XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and was alarmed by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I traded in my XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Texas on XX/XX/XXXX. Right after I signed the lease I told the salesman that I had my doubts about what I had just signed and wanted to cancel. The salesman told me that I could go back the next morning to either undo the lease, select a different vehicle or modify the existing contract. I told the salesman that my concerns were the following : ( 1 ) I was promised a 36/month lease and the contract was for 39/months. ( 2 ) I was promised to have my trade paid off and not have negative equity rolled in and negative equity was rolled in. ( 3 ) There was a Rent Charge in the contract for {$6500.00} which was about half of the 39 monthly  payments. When I went back to the dealership the very next morning, the finance managers did nothing but tell me how good my contract was and that a high residual was to my advantage which I disagree. The finance manager also told me that he did not know why this salesman had told me that I could undo the lease if that was not possible. Then I saw an article where Ally which is the finance company that XXXX XXXX XXXX used, had a XXXX discrimination settlement. I was wondering if you could review the attached narrative and documents to see is I am a victim or the same type of violation.

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 2023-01-14
Company: Experian Information Solutions Inc.
State: PA
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:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - EXPERIAN 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 explanation
Consumer complaint received 2021-03-15
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is concerning a XXXX XXXX bill for an account that I never established. Sequim Asset Solutions at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX filed a judgement on my credit report against me stating that I owed {$840.00} for an account I never established. I never received any communication from the company despite my previous attempts. I contacted all three credit bureaus to rectify the situation and filed a complaint but they have responded that Sequim Asset Solutions reportedly verified and validated the account in spite of the fact that I never opened the account. There are no contracts, letters, or receipts to show that I ever established this account but they said they were able to verify that this account existed. This information was never sent to me because I never established this account. 

The credit bureau stated that I would need to contact your company to attempt to resolve this matter. I hope to hear from you soon in my attempt to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo advised me if I would make on time payments for six months they would review and help on the late payments fees. I did all this and put on auto payments also. Called after 6 months and around and around I go. Go taken up the latter then I get a letter saying they reviewed all my calls. Well not all. Showed only called twice in 3 months. Well my version bill shows 15 times. 
This bank lyes like they did to the government. 
Still no resolution on lying on my credit report also Looks like some deal was made not to auto update everyones credit report after the line of credit scam. Now over averting there new scam of a credit card

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 2023-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
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:
In XX/XX/, I was notified by XXXX that my Citizens Bank Retail Loan, was reported delinquent by 30+ days. I attempted to log into my account, which normally doesn't work due to systematic issues, my Auto-Pay was Enrolled, my Paperless Statements were turned Off, and my contact information was current. I contact my bank who confirmed no attempt to pull transaction was made. I contact the Creditor immediately the next day, on representative claimed they " emailed me a notice about my outstanding debt '' when I asked why they would email me if I have paperless disabled and to furnish a DNS report showing they emailed me since no paper statement was received, no phone call, no notice app, they couldn't send one. 

I spoke with XXXX XXXX from the Chairmans office and filed multiple disputes with XXXX. They then marked me 30+ days late on XX/XX/ when my due date was XXXX XXXX XXXX I disputed yet again, they fixed my XXXX remark, temporarily removed my late payment in XXXX. 

XXXX XXXX my account some how magically went back to paperless after 2 months of Citizens saying they corrected the account. Citizens furnished a document stating there was in fact no banking error on their end, however have yet to furnish ANY proof of notice to collect a debt, couldn't explain as to why my payment didn't pull, nor why my account was switched to Paperless without my authorization. 

This remark has marked my credit by 70+ points negative and no explanation as to why other then " you missed a payment '' despite my account being on file and not pulling, and being able to prove tot them that their is a systematic issue which is why my account has repeatedly switched to Paperless with out my authorization at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I did not receive an answer from anyone of the agency/bureau that I called to request my available loan balance of education funds to complete my XXXX  semester course of study. Each person was only trained to find the debt balance and not the access to loan balance to pay the university. I called the Dept of Ed, NSLDS, Navient, FAFSA helpline,  the XXXX School loan officer, and others. How does our State, Federal and local governments and Congress monitor, regulateNSLDS,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
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:
INFINITI FIN / XXXX  days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-10-03
Company: Comerica
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX the XXXX, 2023, I tried to access my checking account on line threw Direct Express and the call after getting my pin number and the last XXXX digits of my account I was also asked for my XXXX digit account number, something I had not had to do in the past and was put on hold with no one answering and I am kept lessening to music. I tried for days to connect Direct Express and they would disconnect my call. I can't reach nobody and the last time this happened someone tried to remember my account number and got my account closed. The last person that handled my card was a family relative. Now I can't contact the bank to find out what happened because I can't get any one on the phone. Now I can't pay none of my bills or rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Atlanticus Services Corporation
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Basically its all over the internet. I send my payments in 10 day prior to due date. They say they never receive it. The. They charge a late fee and then post my payment the next day. I sent my payment in XXXX out on wed the XXXX it shows posted on the XXXX I get a email her on the XXXX saying they still havent received it. This has happened a lot. The payment is due on XX/XX/XXXX a Sunday but it was cashed on the XXXX. It doesnt take 15 days to post! Ive called and they say they cant control the mail. They want me to call and give my debit card over the phone. ( that way one of the millions of operators can hike my account no thank you ) they should allow electronic payments if not they need to hire more people to do their mail!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief