BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: BARCLAYS BANK DELAWARE
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:
To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and Barclays. 

I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX XXXX Adjuster/Claims Resolution Representative, XXXX XXXX XXXX informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. 

Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. 

The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for XXXX XXXX leaning our way which I believed if I was there it would've been 100 %. 

I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. 

Sincerely, 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 2023-03-05
Company: Americas Car-Mart, Inc.
State: OK
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 car loan isn't mine the colonial auto finance says I pay XXXX month it maybe on time but it isn't mine. Also all the inquiries are right I only applied for XXXX XXXX XXXX  didn't give permission for the other ones for 2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Volvo Car Financial Services U.S., LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my entire lease and have a letter from them that everything is paid but looking at my credit report it seems that they are saying that I did not completely pay or end the lease. How can I get this removed from my credit as the car has been returned for over 8 months and I have never been late on any payments? I over paid them and they sent a check last month for an overpayment of {$750.00}. This is for a lease for a Volvo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice via USPS on XX/XX/XXXX  for the amount of XXXX owed to XXXX XXXX XXXX, I called my local XXXX XXXX XXXX in North Carolina to verify the information given, They informed me that this is a bill for an address in Florida and this could be a result of fraud since I have never lived or opened an account in Florida. They informed me to report this to www.FTC.gov and call all credit report agencies, I also tried to call the collection agency Helvey & Associates , Inc . I left a message to call me with all information provided, I have yet to hear back a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-07-04
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, I wish to report an incident that occurred between me and Ally Bank on XX/XX/2022. I was sent a payment of {$370.00} through the XXXX XXXX, to my bank account at Ally Bank. This was an amount owed to me by someone that I know, who reimbursed me for a service provided, which I have a receipt for as proof. A few weeks after the payment was made, the person who made the payment contacted their financial institution, which is XXXX XXXX XXXX, with a claim that they sent the funds to the wrong person, and challenged the payment demanded back the funds. Per the terms and conditions of XXXX, XXXX transfers are irreversible, and not refunded if both people are verified members of the XXXX network. 

I checked my account one day, and noticed that the balance was not correct, and called Ally Bank to find out why there was a discrepancy. They informed me that they sent the money back to XXXX Bank as an ACH Debit without informing me, and regardless of the fact that they had no legal right to return the funds. They also advised that it would not be possible to dispute the transaction. I spoke to Ally Bank numerous times and told them I have the proof that the payment was valid, and that she sent she funds to the correct person. Allys response was to either hang up, or refuse to deal with the matter, regardless that they knew that they had no right according to XXXX terms and conditions to return the funds ( which is why they did it as an ACH Debit ). 

Ally Banks attitude and illegal policy based on made up rules shows they have no concern about the law, policy and have no regard for their own customers. Their attitude toward their own clients is reprehensible, and they are in violation of the Federal Bank Act. The FTC will also be informed of their violations and be asked to review any other complaints to see how many times Ally has done this in the past, and ask that the FTC start criminal action against this bank. I want that this complaint to go public, so that in the future they will never do this to any of their customers again.

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 2021-10-14
Company: EQUIFAX, INC.
State: WI
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 disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY CHAP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: GA
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:
You are in Direct Violation of The Fair Credit Reporting Act XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

I am writing to dispute the following information that appears on my all my credit reports from XX/XX/XXXX : XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account is incorrectly reporting that I have XXXX late payments. On my Equifax report there are XXXX late payments being reported. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX and a balance of {$360.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a mobile deposit on XX/XX/XXXX for {$1800.00} and was informed that funds will be available the next day. As indicated my funds were available. On XX/XX/XXXX I was informed that my account was overdrawn due a the check deposited is a duplicate. The representative couldn't tell me the exact date and time the check was deposited again. still have the original check in my possession nor has my employer received any notification of the duplicate check cased or received This is causing stress and XXXX because of a bank error, and someone maybe using my information. No one has responded to me yet to this error.

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 2023-05-23
Company: EQUIFAX, INC.
State: MO
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 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 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MS
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have in multiple occasions contacted the bank regarding the process of my account being closed, I had several claims open because of the negligence in my claims for fraud, Since last year I have dealt with getting my account closed and getting my money back or at least having access to my funds, I had my car stolen not because of the bank of course but due to not being able to commute to work and not being able to access my funds with the bank I was unable to pay for rent since the money on my account was for rent and was evicted. I have had to continue to wait and wait, unable to even use that money for a downpayment for a car at this point, I had to move back to California with my mom, get a new job, and still can't even get a vehicle, I called this morning XX/XX/XXXX at XXXX XXXX  and was transferred multiple times and still receiving no answer than, we don't know when you will get your money back but your account has been set up for closure, the agent also mentioned that if I wanted my funds I should just go to a branch and if they want to release the funds its up to their discretion, In XXXX of XXXX I was told the same thing and proceeded to go to a local branch and was told by the branch manager that its up to the claims department to help me with this and not the local branch, I then proceeded to continue to go from agent to agent, manager to manager and case processor to case processor and have yet until this day have no idea when I will be receiving over {$2000.00} of my money back, not only the I was also charged a monthly service fee even though my account " is being closed ''. 

I have been more than patient trying to receive my funds and have yet to receive anything or any help of the sort being so that I was old my claims have already been processed closed and final. 

The following is some information regarding the most recent times I have annotated my calls. I have also attached the amount of the fund being held from me as well as the maintenance fee I had to call about. 

Claim number US Bank : Process date : XXXX XXXX XXXX CLLED XX/XX/XXXX CALLED XX/XX/XXXX @ XXXX CALLED XX/XX/XXXX @ XXXX XXXX  unable to revive funds until all claims are processed CALLED XX/XX/XXXX claims for debit card have been approved and closed unsure of when I will have access to funds

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 2024-01-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX XXXX  credit acceptance Whenever I try and get a car loan I keep getting credit acceptance on my credit saying that the account is open when indeed it is closed. It only shows up on my XXXX XXXX creditors. This car was given back to the car dealership because it started having transmission problems a month after I got it. I had them come pick the car up. Bottom line its been over XXXX years since I've had this vehicle it should not be showing up as an open 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 2023-03-08
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Payment Account XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX Dealer Services XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries JXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries I would like to bring to your attention that these inquiries have been made without my knowledge or authorization. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory that any inquiry or application made on my behalf must be authorized by me. 

Furthermore, I would like to point out that the late payment account reported by XXXXXXXX XXXX XXXX is inaccurate. I have been a responsible borrower and have made all my payments on time. I urge you to investigate this matter and remove this erroneous information from my credit report. 

These incorrect and unauthorized inquiries are causing me emotional distress and are adversely affecting my credit score, which in turn affects my ability to secure loans and credit at favorable interest rates. I request that you take immediate action to correct these errors and ensure that my credit report reflects accurate information. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 Bank of America opened a new account in my name without my knowledge or permission. I went on my mobile app on Sunday XX/XX/2023 and noticed a pop up message saying that my new account is now open and they are mailing my card to an old address that bank of America had on file 10 years ago. I was horrified seeing this new account along side the account I pay my rent from. I'm a single parent dealing with a domestic violence situation. So it shocked my to my core! I did not sleep thinking how is this happening. I called as soon as the sun came up. They were not apologetic my rather carelessly saying that it's the internet. I said how when you need to provide so many key credit details to open an account. They ignored the question and said that they would just close the account. They gave no confirmation number even though I asked for it repeatedly. They then sent me and email saying steps to take since this has happened as if I was requesting info because I needed it. Even that email made it seem like they were being deceptive. I asked that my bank cards be replaced they said there is no need. I went in to the branch the next day to request them in person. I'm overwhelmed with the amount of things that I now have to change because I feel so violated. Then I went home and saw this on the news and knew that I was a part of the whole scamming of their loyal customers. It's really hurtful. At one point during the pandemic they were charging so many XXXX $ over drafts I called crying begging them to stop. I have two little boys to feed, really makes my stomach hurt to know how hard we work and they don't value us.

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