BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-12
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I'm not going away!!!!! 

I hope the CFPB will do its job and protect consumers like myself from Banks like Ally, XXXX XXXX, etc. 

Please note that Ally still needs to acknowledge the breach of their promise made on XX/XX/XXXX ( placed me on the do not call list ) by calling me on XX/XX/XXXX. 

Furthermore, I NEVER REQUESTED MY ACCOUNT BE CLOSED. To indicate so is deceitful ; your company closed my account because of your unprofessionalism and pettiness, nothing more. 

PLEASE ALSO NOTE : Ally is being deceitful about offering flexibility in payment options. 

I used to pay via ACH - I had 2-5 checks bounce from two banks due to financial hardship. I communicated my struggles. What was Ally 's response? " You have to have the bank fax us a letter confirming the accounts are open. '' HAVE XXXX XXXX FAX A LETTER lolololololol - impossible! I still tried and failed ; my only recourse after that was to pay via debit card ( late ). There is no logical reason to stop people from paying for their account via debit card if they are serious about past due balances. 

Lastly, I am in the process of filing other complaints against Ally wherever and however I can. I don't have the money to sue, but I can complain and will continue to until my debt is erased because their refusal to work with me to resolve {$3000.00} is unjust. 

PLEASE, CFPB, help the everyday American by holding these greedy corporations accountable. Why was my nearly XXXX credit score ruined by one unfortunate event ( engine failure ) and corporate insolence!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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. 

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2021-01-16
Company: Square Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I keep getting notices from cash app that my account has been locked I have deleted my account and notified customer service which you can only do by email and Im still receiving 100 plus emails an hour from them I really need you to do something about the notifications I am receiving from you.I have had 80 notifications in an hour, I have deleted my account and removed my email to no avail, this is absurd. I need something done immediately. I am contacting the chamber of commerce and any other official I can Monday morning and filing harassment charges Put a phone number on your site so people can get issues resolved, this isnt a way a business should be ran

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: MD
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 Account # XXXX, has violated my rights. 
XXXX XXXX OF XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Westlake Services, LLC
State: FL
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 my first vehicle from USA auto sales ... XXXX FL... In the beginning of XXXX,, a XXXX XXXX. Withing a week the engine went out... I went through the process of with XXXX XXXX. They had my car for 10 days,, the motor was bad,, us auto said they wouldn't fix it .... I asked for my down payment back, they refused,,,,... they pressured me,, and tricked me to get another car... They said they would put me into another car,, but I told them the only way I will is if they give me a extended warranty on my car to insure it would get fixed, they agree... they put me in another vehicle,,, within a week the brakes went out... I contacted us auto sales,,, also the mechanic shop contacted them about the warranty, they denied my warranty,, said they wasn't going to fix it... The next week after that thay closed there business,,, they sold me a XXXX car,,, but didn't give me a XXXX XXXXar warranty .... false business practice,, deceptive tactics, ,three months later, ,while I have a car with no brakes,,,, I notice they Transfered my loan to a debt collector,,, Westlake Portfolio... which made my credit score drop significantly ..... So I called the new Westlake Portfolio to see if they would honor my extended warranty,, they also denied to fix the vehicle,, .. it's the same occuring brake problem on the vehicle, ,it not safe to drive,,, I recently lost my job XXXX,, because the mechanic shop had it for another 10 days,,, when they denied to fix my vehicle ... .this car is a lemon ... .. Also my balance that I pay on my vehicle has moved,,, I think they were double billing me,,, I still owe the same thing I owed when I first got the vehicle ..... I also have other people who been deceived by the same company..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-10-11
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Academy Mortgage Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX I received a referral to Academy Mortgage from XXXX for a VA home loan based on my credit profile. I was soon introduced via telephone and email to XXXX XXXX senior loan officer of Academy Mortgage. After explaining some challenges I had and being fully transparent MsXXXX XXXX stated that she could get my family and I into a new home. I repeatedly answered all of her questions and forwarded her all of the documents she requested within the same day of the request. I also would stand on hold for different subcontractors she wanted me to speak with for periods that sometimes exceeded one hour. After going under contract and receiving two letters or approval from XXXX XXXX of Academy Mortgage I was scheduled to close on XXXX XXXX. I received my closing documents on XX/XX/XXXX and signed and returned them the same day. At XXXX the night before my scheduled closing Ms. XXXX said she would need an extension until the " end of the month. '' After some negotiation the seller agreed. On the last day of the month Ms. XXXX informed me that she would not be able to do the deal that I had signed the contracts for after I had paid all of the inspection fees, Academy Mortgage fees, survey fees, termite inspection, septic inspection and appraisal. 
To date none of these funds have been reimbursed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
XX/XX/XXXX I called TransUnion about my TransUnion CreditView credit score. The credit balance they had listed for me, and what determines my credit score, was incorrect. They said the credit balance on XX/XX/XXXX was {$3500.00}. I had paid that balance on XX/XX/XXXX. 

I called TransUnion to tell them their current credit balance was incorrect and told them what the XX/XX/XXXX credit balance was, which was {$14.00}. They took offense when I told them their current balance was incorrect. They insisted the current balance of {$3500.00} was not incorrect. Over and over we went about this with TransUnion taking offense when I said the current balance they had was incorrect. It was annoying to talk with the TransUnion agent due to her behavior and comments. 

I asked TransUnion where they got the {$3500.00} current balance from, and was told that was what my credit card company told them. I asked when they were told that was my current balance. TransUnion said they were told on XX/XX/XXXX by the credit card company. So that was that, and it appears TransUnion isn't going to do anything. 

XX/XX/XXXX I checked my credit score using XXXX. For XX/XX/XXXX XXXX had my credit balance at {$110.00}. This is correct as this was my balance on XX/XX/XXXX. 

Now these are apples and orange comparisons. XXXX 's XXXX credit history is up to date as it uses XXXX 's data. TransUnion 's XXXX credit history is supposedly based on XXXX data. 

Why I compared two credit agencies was to check if my credit card company was providing bad data. It appears not, as the XXXX data from the credit card company is correct. The problem appears to be with TransUnion, even though the TransUnion agent blamed the credit card company for the current balance number. 

TransUnion runs a credit score monthly and I get a notification when they do so. But TransUnion doesn't ask the credit card company monthly what the credit balance currently is? How can anyone trust TransUnion 's credit score? 

Is the credit card company- in this case XXXX - required to give out an accurate credit balance to TransUnion, or some sort of balance whenever XXXX feels like it? 

Shouldn't TransUnion have to listen to people who tell them about an inaccuracy in their credit history, and not blow off those people when they do so?

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 2023-06-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I.m disputed Experian Bureau on misused my credit score and not removed the other inquiries that was done in error... .and action need to be taken ... .to update my credit score important ....

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: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received a Debt Collection notice, via XXXX, from SouthwestCredit ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) XXXX The letter was dated XX/XX/2023, so that by the time I received it, 7 of the 30 days I have to dispute this claim had already elapsed. 

This debt is not mine, so on XX/XX/XXXX, I filled out a form on the SouthwestCredit website ( https : //www.swcconsumer.com/ ) to tell them exactly that ( to dispute the debt ). Despite entering my email address and telephone number, as part of that form, I did not receive any confirmation from SouthwestCredit that the account is in-dispute. Also, when I look at my account status on the SouthwestCredit website, there is no indication that the account is in dispute. So Southwest can simply claim that I never disputed the debt, in which case after 30 days the law presumes the debt collection attempt is valid. 

I then called SouthwestCredit to ask for some kind of written confirmation that my account is in-dispute. The customer support agent I spoke with ( XXXX XXXX ) told me she is not able to give me a concrete confirmation that I'm disputing the debt. After I escalated my case with SouthwestCredit customer support, XXXX 's XXXX ( XXXX XXXX ) told me that she can not give me a concrete confirmation, and passed me to their " executive relations '' dept. The executive relations department does not pick up their phone, so I wasn't able to make any progress on this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Paid several accounts on my credit reports off they refuse to remove them. Some are listed more than once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
There are 2 accounts showing up on my credit profile that have never belonged to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent in request multiple to times to have the fraud alert removed ; I continue to receive responses that the fraud alert is removed but it's not. I would like it removed immediately.

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 2022-11-11
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I received an XXXX for XXXX services through XXXX XXXX XXXX XXXX XXXX. They charged me {$200.00} for this service. 

On XX/XX/2022, my insurance company, the XXXX XXXX XXXX XXXX, through XXXX, provided an explanation of benefits where my member rate for this service was reduced to {$130.00}. There were other services on this EOB. 

On XX/XX/2022, I received an invoice for the services in the above EOB without the the {$130.00} listed. Total bill was {$250.00}. 

On XX/XX/2022, I paid the {$250.00} in full via the XXXX XXXX XXXX XXXX 

From XX/XX/2022 to present, I received only 2 statements, one for {$30.00} and one for {$45.00} ( which was for the original {$30.00} plus {$15.00} more for other services ). The total {$45.00} has been paid off. 

Approximately XX/XX/2022, I received a debt collection letter from ARSTRAT, associated with XXXX XXXX stating that I owed {$130.00}. 

On XX/XX/2022, I called XXXX XXXXXXXX XXXX finance department to get a better understanding of why my bill to ARSTRAT for debt collection. I checked the XXXX XXXX XXXX website which showed that I had a {$0.00} balance. I checked all the online invoices which did not list the {$130.00} owed in any invoice. Additionally, my personal setting shows that I should be receiving invoices via email. The individual stated that XXXX XXXX had sent me 3 paper invoices ( which they chose to pick email/online invoices and did not provide me ). The individual confirmed that I had a {$0.00} balance owed to XXXX XXXX and could not provide any information as to why I did not receive any email invoices. I did not receive any paper invoices from XXXX XXXX and believe it wrong that they sent my claim to debt collectors. 

I requested to talk to a supervisor to have XXXX XXXX to put the {$130.00} back into the XXXX XXXX XXXX XXXX so that I could pay for it. I explained that it was improper for this to be sent to the debt collectors. 

I request the CFPB contact XXXX XXXX to move the debt from ARSTRAT to the XXXX XXXX system. I request that CFPB find out why the {$130.00} was not included with all the other payments I made this year. I also request that CFPB find out why my online profile shows I am receiving email statements and allegedly XXXX XXXX decided to send this one payment invoice via regular mail, which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Experian Information Solutions Inc.
State: OH
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:
Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : 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 explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
A credit report shows late over seven times. I was always on time. It was there processing and posting and accounting

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 2023-02-08
Company: EQUIFAX, INC.
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:
I have 4 student loans listed on my Equifax from XXXX  XXXX XXXX that should have been updated based on my entry and completion of the student loan fresh start program. These student loan accounts have not been updated to reflect that these loans are currently out of default. The payment history for these loans is also incorrect. In addition, XXXX  XXXX XXXX is no longer operational as a student loan servicer. I tried to reach them directly, but the phone number XXXX is defunct. My compliant is that Equifax could not have conducted an investigation with an organization that is no longer functioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I spoke to the representative from the attorney 's office Mr. XXXX XXXX. He mentioned that i was served thru an individual by the name of XXXX. The owner, my lessor at that time is Mrs. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12
Company: MoneyLion Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX my check was deposited into my account and on that same date my account was hit 30 times from hellcase for the amount of {$50.00} and once for {$20.00} for the total of {$1500.00}. I called money lion and filed a dispute for each of them and they still have not credited my account back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation