BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Dealer was very pushy and refused to let me read the contract on his computer screen. After signing contract with dealer consumer contract was transferred without my knowledge. I found out credit was extended through Ally Financial. I made the first payment online using my debt card before due date. I then submitted a negotiable instrument transferring my interest in note to Ally to apply interest to the principal. Ally received payment instrument and instructions for the trustee and did not comply with the RICO Act, TILA, CFPA, or the UNIFORM COMMERCIAL CODE. Ally did not present the instrument and did.not have a qualified third party dishonor the instrument in writing nor did they allow me an opportunity to Cure the Dishonor Ally placed my account in fraud status and has refused to allow me to make payments as I had made first one. This was not in the original contract and I as Beneficial Owner have not agreed to any such changes. Again a violation of Regulation Z and the RICO Act. I requested a Billing Dispute but have not been offered remedy by Ally.

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 2021-05-19
Company: ZWICKER & ASSOCIATES
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company is calling repeatedly during appropriate hours after notification that arrangements had been made with the creditor long before they got involved. The account is paid regularly and while not necessarily on the date due but not far from it.he account began with a debt over XXXX and is not nearing XXXX. Its not a problem and is always paid. 

We wrote letters to the company demanding the calls cease. Offering multiple other ways to contact. Letters were sent on XXXX and XXXX. Calls continue. Most recent calls are twice to 2 differing phone numbers today XXXX at XXXX XXXX Also, calls were made on XX/XX/2021 at XXXX XXXX XX/XX/2021 XXXX and XX/XX/2021 XXXX XXXX Otheer times as well but apparently they were not logged. We will continue to do so, but still the company had been advised to cease and desist and have failed to do so. We have the right to stop them from calling and have not done so. Please do what you can. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Credit Karma, LLC
State: VA
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:
There are two records on my credit report for Credit Karma XX/XX/XXXX. I dont know why there are distinct records. This is the way the information presents : 1. Credit Karma Date of request ( s ) : XX/XX/XXXX I did not make this request. 

2. Credit Karma Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Requests unauthorized. I do not have an active account with Credit Karma. The account was breached or a new account with Credit Karma was created with my personal information. I am unable to recover the account. 

I do not comprehend why a credit monitoring service does not have a monitoring mechanism for report abuse. If someone is abusing and attempting to obfuscate the misuse of information, the best way to validate is through credit information. How was this not flagged? Can information be purged to avoid audit trail? Why are there two separate records for the XX/XX/XXXX date and the second record has multiple dates? 

It is physically not possible that I executed these requests. I did not have any computer or internet access on XX/XX/XXXX. I did not make any of the requests. This is identify theft. I can not stop people from abusing my SSN. I should not be forever doomed to have my data breached because anyone with my SSN birth date and address can force their way into my accounts or create accounts using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested and received the reinstatement letter indicating the total amount needed to reinstatement of mortgage. The letter includes breakdown of various items. 
The attorneys fees was previously filed in court ( see attached ) as {$6000.00} +. 
However, in the reinstatement letter the attorneys fees is listed as {$8000.00} + See attached ) Nothing else has been done substantially since. 
I am being ripped off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My wife and I experienced difficulties with Citibank, after they bought my Best Buy credit card debt from XXXX. ( My wife use to be able to take care of the payments, while I XXXX, 6-8 weeks out from home ). Together, we were never able to reestablish online transactions, due to a change of her being authorized to represent me, once the website changed, and Citibank took over. Later, the monthly payments began to fall behind, after I had a major breakdown, of my XXXX, and it went into the shop. I tried to establish contact by phone, but their automated phone service would never allow me to talk to a live person. Citibank claims to have called us and never left contact information to identify themselves in XXXX. ( We use an answering machine to screen telemarketers, scams, etc, but we noticed a common tactic of bill collectors is they hang up without leaving a message. ) Apparantly, Citibank lost previous credentials when they bought the debt from XXXX within the prior 12 to 18 months, yet neither company verifed we knew of this debt transfer, and changed the debt amount without our awareness of underwritten terms of agreement, not to mention they changed their email address & discontinued my login credentials without my knowledge ( regardless, fine print that is difficult to read, should not be ethical in the first place ), then a few weeks ago, ( after I had become aware of all this ), I called CitiBank on XXXX, ( to give my cell number and attempt payoff of the entire balance by offering a {$1000.00} a week every consecutive week ), they said the debt is under review, and was scheduled to be sold on XXXX, to another debt collector. I said I was a XXXX Veteran of the XXXX, whose family has been in financial distress since my return home from XXXX in XXXX, but I 'm finally back to work as a XXXX, and I can get this debt paid in full within less than 4-6 weeks. I was under the impression they would contact me on XXXX XXXX, after I XXXX overnight a {$1000.00} check, but they sold the debt on XXXX, in spite of my efforts to stop the sale, and kept the {$1000.00} act of good faith payment, after it cleared the bnk on XXXX. They took the money on XXXX, after they said they would contact me on XXXX. I found out, after I called them back, on 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Below is credit hard inquiries on my credit report that I do not recognize without my consent : Please have removed as soon as possible for Transunion from Credit report. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/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 2022-02-24
Company: EQUIFAX, INC.
State: AZ
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 sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX Personal Information : EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Dear Sir or Madam, WHO : I am a XXXX male who was XXXX while in military service during the XXXX. It is my opinion that Chase Bank Credit Card Services is attempting to avoid their statutory obligations relative to statutory credit card services. They are attempting to avoid procedures relative to a disputed debt practice. 
ISSUE : In XX/XX/XXXX I disputed a debt with a contractor, XXXX. 
The contract is dated XX/XX/XXXX, the work began XX/XX/XXXX, and the last day the contractor was on site was XX/XX/XXXX. The contractor failed to use material specified in the agreement, damaged what they did install, and failed to install a shower door. To compensate me for the inferior materials, damage, and failure to perform as stipulated in the agreement, Chase was asked to withhold {$500.00} from two payments totaling {$2800.00}. 
On XX/XX/XXXX, I mailed a copy of my contract with the merchant and a letter detailing contractual deficiencies. On XX/XX/XXXX, Chase sent a letter telling me that my claim had not been approved. 
On XXXX I called XXXX. I was told that the decision could not be reversed but I could repeat my dispute and send in more information. I explained other than a copy of the contract, and a detail of items wrongfully substituted, damage caused by the merchants contractor, and failure to install the shower door, could not provide any other relative information. All the XXXX customer service could say was " send more information ''. After 45 minutes, I had accomplished nothing and asked to speak with a supervisor. As the supervisor had eight call waiting, I decided to simply request a return call. 
The following day, I again called Chase XXXX, and talked to a second customer service representative. She transferred me to a third Chase supervisor who asked questions that had no nexus to my claim. The federal statute which provides for a disputed claim process with a merchant does not permit Chase to inquire or provide information that has no relevancy to my dispute. 
Feeling very frustrated and agitated, I simply asked the last customer service supervisor to terminate my Chase account, and provide an explanation as to why anymore information or documents was necessary to substantiate my claim. Unless I receive a response from Chase that is relevant to their denial of my claim, it will take judicial action by Chase to recover the alleged amount in dispute. 
RESOLUTION : All in all, correspondence and phone time, I spent more than eight hours on this issue. Enough is enough. Please assist in validating my claim and clearing the charge on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX XXXX County told me that they do not verify that information. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
After disputing directly with XXXX XXXX, I tried escalating the matter to the credit reporting furnisher, EXPERIAN. I informed EXPERIAN that the information XXXX reported was inaccurate. I informed both XXXX and EXPERIAN about my identity theft and I provided a copy of the police report along with the FTC Identity theft report. I made multiple attempts in hopes of successfully removing these inaccuracies to avoid further damage to my credit worthiness in the eyes of potential employers or requested a copy of the original contract with my wet signature, a detailed itemized list of all charges made on the account and proof of verification for the items that were distributed. Neither one of them were able to provide any verification other than stating they verified through the data furnisher. Which leads me to be more concerned because I requested my data to be deleted along with placing a security freeze, effective XX/XX/2022. Yet both XXXX and EXPERIAN continue to not follow proper protocols to ensure the data furnished and filed is substantial to be able to be used in

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 2022-02-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Requested for my Credit report and file from XXXX, XXXX, and Experian, only received the report. I need my whole 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 non-monetary relief
Consumer complaint received 2017-03-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I cant access my credit report online with Equifax and I have talked to several people since XXXX with no success. They claim its a glitch in their system and it would take 7-10 days to fix. However they have been telling the same thing for 3 months. As a result, I cant access my XXXX and XXXX files credit files via another credit monitoring services I am paying for. I recently canceled my service with Equifax because I have no access to my report but was still being charged monthly. They claimed to have refunded me for a month 's service fee but I never received the refund back in the bank account it was debited from. Furthermore, as of Friday XXXX XXXX I was told that I should upgrade my service and that would fix the problem of me having access to my report. Upon payment, I was told that the payment didnt go through and thats why I didnt get my updated report. I gave another card when I was told it must be the credit card company refusing the transaction. Finally, I gave my debit card and I still did not get access to my report. That is when they realized it was n't my cards but once again their system. I was basically charged {$19.00} four times between XXXX of my bank cards and still have no access to my credit file. After that they transfer me to another dept who stated that it may be because I did n't put my middle initial and that must be causing the problem with their system and the other credit monitoring system I use which is XXXX. I was told to re-sign up for their service and include my middle initial. The problem with that is, upon signing back up, their registration page does n't ask for a middle name! They 've instructed me to end in my drivers license and ss card which I have now done approx. seven times! They are either incompetent or playing games. I am getting the runaround and it is very frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors because i know it is my right!

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 2022-10-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX FI XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2021-05-20
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I recently check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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 2023-09-28
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent the letter on XX/XX/2023, letter the reason why I sent this letter XXXX said everything was complete and accurate on my credit report. Here is my certified tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The reason why I sent this letter is because XXXX said everything was correct and accurate. I would like a description of the results of how they verified everything. Cause when I looked at my credit report, they did not update anything according to the Fair Credit Reporting Act which is 15 USC 1681i ( 5 ) so I would like to know what they did to investigate everything. I would like a description of this according to 15 USC 1681i ( 7 ) and they were supposed to respond to me within XXXX days according to the law. And I haven't received anything, and it's been over XXXX days. This is very frustrating, disappointing, and stressful!

Company response to consumer: Closed with non-monetary relief