BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Back before memorial weekend of 2021, I had a lease and purchased my vehicle through academy keep in XXXX. I then traded that vehicle for a different car. The lease/ loan company Ally financial messed up the paperwork on the whole deal. I have contacted both the financial company and the dealership from that time till now on and off. Some progress was made and the lease was closed out but since the payoff is was applied to that account it was refunded back to the dealership. Now I have talked to the dealership and they tell me that the financial company is behind but they have not received the pay off money back from the dealership after the refund so they cant process anything. So now at this point I am just waiting for the dealership to send the payoff back for my loan. I keep getting calls from the financial company saying I owe for the loan and getting late charges as well. This is frustrating especially when I dont even own the van anymore and the dealership doesnt either cuz they have already sold the van that I traded in and the loan is for.

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 2020-03-25
Company: Prosper Marketplace, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I spoke with an employee on ticket number XXXX, asking them to push back my loan for 30 or 60 days because I had to close my XXXX  down in XXXX do to the state telling us do to the covid-`9 pandemic. The employee from prosper told that she is only allow to push it back a month and I would be charge a late fee or interest. So I told them that was perfect. I then received an email from them saying the following. 

Thank you for reaching out to prosper to ask about financial relief during the recent covid 19 pandemic your loan payment due date will be moved forward by one month. We want to assure you that you that you are not being asked to make a double payment on your next payment due date. You have the full lenght of your loan term to make the payment that was due in the month. However please note that you are still responsible for making that loan payment satisfy the loan balance by the maturity date and that interest will continue to accrue daily in accordance with the terms of your promissory note. 

So when I called back and told them that the state said they can not charge you interest they said that's only for business and not personal which is not right and I cant offred it at this time and it will be going on deliquesce because I can't pay it do to the shut down

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 2022-04-10
Company: EQUIFAX, INC.
State: MS
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 XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I, XXXX XXXX did not give XXXX, Equifax, XXXX written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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 have a {$1000.00} balance in Capital One / Walmart store credit card that includes a promotional interest free offer balance of {$120.00} that expires on XX/XX/20, I wanted to apply a payment to the {$120.00} promo balance to avoid incurred back interest, but they said I will have to pay the entire {$1000.00} balance, I don't clearly understand how payments should be applied based on banking laws, and or if they are correct about the information they gave me or if I'm being mislead. please contact me email XXXX cell phone XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: LA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Consumer bureau are reporting inaccuracies and refusing to remove the inaccuracies. They are causing harm and interfering with commerce and my ability to trade. Since gold and silver was taken from the people and we do not have any other way to trade except with credit. This has caused severe harm. All companies are conspiring against the people and is violation of 39 U.S. Code 3001 These mailings, which resemble bills or invoices, are, in fact, solicitations for the order of goods or services, as clarified by 39 U.S. Code 3001. 
According to 39 U.S. Code 3001, matter that is in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due, but actually constitutes a solicitation for the order of goods or services, is considered nonmailable. The law requires that such solicitations must bear a clear notice indicating that the mailing is a solicitation and not a bill, invoice, or statement of account due. This notice should be in conspicuous and legible type, in contrast with the other printing on the face of the mailing. As a recipient, I strongly advocate for adherence to the laws and regulations that ensure the protection of consumers and maintain the integrity of the postal system.

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 2022-10-22
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2023-02-24
Company: Netspend Corporation
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
XX/XX/23 the department of treasury sent XXXX my refund check. XXXX sent my refund to a wrong account to Netspend/XXXXXXXX XXXX. The account was listed in someone elses name and social, and Netspend depoisted my money in that account. Knowing that my information didnt match the account holders information. My tax preparer called XXXX and alerted them i never received my refund. Thats when i found out that, my refund was sent to this account. My taxprepaer was giving the name of the bank and trace number, call XXXX to inform them to send the money back. Netspend called and verified with my tax prepayer my information doesnt match the account and they refused to send the money back. They advised to take the issue up with XXXX or IRS. They could see that the money was deposited in someone elses account and they couldnt do anything. They advised its not there issue, but could see that, the account wasnt mine and still deposited my tax money in a wrong acct. Spoke with XXXX XXXX at Netspend and she refused to speak with XXXX about the issue. She said to do whatever, they wasnt refunding any money at all. Even though the account isnt mine. She refused to give me information and refused to give my tax preparer information about where my money was sent and to whom. SHe refused to open an investigation into the matter. My refund Trace # 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 2023-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America does not release the lien on title and accuses the investor for not clearing the title. The federal regulations and guidelines specifically state that 3rd-party purchasers are entitled to the property free and clear of any liens on title. It has been more than 6 months since Bank of America has been attempting to resolve this matter. I believe they are not compliant and maybe delaying the process due to not complying with federal regulations on HECM 's. 

FHA 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 2017-12-06
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:
The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card was opened onXX/XX/XXXX XXXX Credit Card was opened on XX/XX/XXXX 
XXXX XXXXT Credit Card was opened on XX/XX/XXXX XXXX Inquiry - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I deposited a check into my savings account with Citibank that I received from one of my tenants. On XX/XX/23 at XXXX I was able to pay a bill and log on to my account. At XXXX my account had been restricted and all access to my account was blocked. I contacted customer service to inquire about my account and was told it was restricted due to the deposit of a stolen check. I told them it was not stolen. He stated that it needed further investigation and call back in 24 hours. I have called and spoken to numerous customer service representatives to be told that they need to verify the check by the maker but every time she calls they tell her that the phone number shes calling from is not in her name. They have already taken the funds from her bank but state that the check is unverified. They sent me an email on XX/XX/23 stating that they are closing my account and no debits or credits can come through but they accepted my direct deposit on XX/XX/23. They now have everything locked in an account and will not give it back for 30-60 days. 
Attached is proof that the check was valid and was taken from my tenants 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 2024-01-03
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
As of XX/XX/XXXX I had applied for the Goodyear credit card application from XXXX through citiBank my reference number : XXXX in financing my car repair total. In which I came to find I was surprisingly denied when proper exchange of my application/security was given to the creditor citiBank email received XX/XX/XXXX of XXXX. However, how is this so when proper exchange was given for the valuable consideration or the credit card I am rightfully owed for giving a security? ( my credit application in exchange was given. ) As stated from UCC 3-303. VALUE AND CONSIDERATION ( 1 ). The instrument is issued or transferred for a promise of performance, to the extent the promise has been performed ; In this case, CitiBank the creditor with the Goodyear credit card is to be GIVEN for this exchange as Valuable consideration a part of this Exchange per UCC 3-303. VALUE AND CONSIDERATION ( 1 ). Is dishonoredIn this i demand my credit card to be sent to me in complete acceptance as this exchange was done in COMPLETE good faith yet completely dishonored by CitiBank. through the giving of my application ( being a security ) in receiving the valuable consideration of my Goodyear credit card, exchanged on my end for my security ( credit application given in exchange ). With this I DEMAND the Goodyear credit card be accepted and given fairly. As the credit application is a contractual agreement between myself, the individual ( the applicant ) and a credit card issuer ( CitiBank ) with the valuable consideration properly given and upheld.

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 2018-08-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE SENT MULTIPLE LETTERS AND PROOFS TO EQUIFAX TO UPDATE MY CURRENT ADDRESS AND REMOVE OLD FRAUDULENT ADDRESSES THEY HAVE REFUSED TO DO SO. I HAVE NOTIFIED THEM THAT MY CURRENT ADDRESS IS XXXXXXXX XXXX XXXX XXXX MI. XXXX. I HAVE ASKED THEM TO REMOVE ALL OTHER ADDRESSES AS THEY ARE INVALID AND FRAUDULENT THEY HAVE REFUSED TO DO SO. THEY ARE LEAVING THIS INFORMATION ON MY RECORD LEAVING MY OPEN TO BECOME A VICTIM OF IDENTITY THEFT ONCE AGAIN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: LEXISNEXIS
State: NY
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:
XXXX sent a letter dated XX/XX/2021, it states that the results of your investigation of Public Record Information was verified as accurate by LexisNexis, however LexisNexis has provided in writing that they are unable to verify the bankruptcy and therefore has removed the unverifiable bankruptcy from their own data base. 

There is no way possible that LexisNexis verified this as " accurate '' according to the investigation letter from LexisNexis has evidenced the contrary. Therefore I have requested for XXXX to delete the bankruptcy from my credit report public records and refuse to do so. I do not understand, XXXX uses LexisNexis to verify the bankrupcty, LexisNexis says to me it has been removed because unable to verify, I inform XXXX of such in a dispute to XXXX  and XXXX is defiant in removing it because they allege LexisNexis verified as " accurate ''??!?!?!?! 

I am not sure who is playing games, because if XXXX is stating that Lexis Nexis verified the bankruptcy as accurate so then why did LEXISNEXIS SEND ME A REPORT AND LETTER STATING THEY WERE UNABLE TO VERIFY THE BANKRUPTCY AND HAS BEEN DELETED FROM THEIR OWN DATA. 

I further request, that XXXX obtain my records and or documentation from LexisNexis proving that this still exists in their data base as verified and as accurate. 

The FCRA requires credit bureaus to verify the accuracy of credit reporting items, here XXXX has failed to do so. LexisNexis is reporting one story to me and or another story to XXXX. They need to clarify this and therefore have included them in this complaint as well. The other 2 credit bureaus complied when I disputed the same issue here. 

I have attached correspondence from LexisNexis stating the removal of the bankruptcy as well their report showing that it is no longer on my record. I also provided a letter from the bankruptcy court as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting 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 spoke to a customer service agent on the phone before paying my balance off this credit card. The balance was settled and it's still showing on my credit report as a closed account. Customer service agent on the phone told me that it would not be reported as a closed account and affect my credit report or score. Well it clearly was reported as a closed account and is affecting my credit report! I should not be punished for paying the balance on this card and having it show as a closed account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home for my XXXX son & I & I found out I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report that is a defamation to my character. Please remove these accounts immediately. My son & I are tired of renting and I want to purchase a home. 
The accounts below need to be removed : 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 2023-03-03
Company: WELLS FARGO & COMPANY
State: NC
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:
On the date of XX/XX/2023 i decided to send a Dispute directly to WELLS FARGO about a suspicious and deceptive account being furnished on my consumer report because after a many unsuccessful attempts to gain clarity from the consumer reporting agencies i only get updated credit reports stating the information was verified. the Requests i sent to WELLS FARGO asking to Validate the account Pursuant to 15 USC 1692g or Cease and desist Pursuant to 15 USC 1692c cease communicating a debt, or send me something in writing and stop its unfair reporting. The Letter 's i sent were mailed certified and received on XXXX XXXX, 2023 Tracking # XXXX i have waited for a response and by law i should have received a response within 30 days pursuant to 15 USC 1681i and1681s-2, WELLS FARGO is in violation of 15 USC 1692g failing to validate or respond to a request for validation, 15 USC 1692e ( 8 ) false or misleading representations communicating credit information which should be known to be false including failing to communicate a disputed debt is being disputed, 15 USC 1692c continuing to communicate indirectly after cease and desist, 15 USC 1692d harrassment and abuse for engaging in conduct which the natural consequence is to harass, abuse, oppress,, 15 USC 1681s-2, Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is Disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is Disputed by the consumer. Wells Fargo did not notify the consumer reporting agencies about my Dispute nor did they acknowledge my Dispute,

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