BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a loan car with Ally on XXXX  and I trade in the car for a new car and there were a money that they should refund me since the amount of the car were paid off. So I moved from XXXX XXXX Tx to XXXX Tx and I haven gotten my old mail until a month ago which was XX/XX/XXXX. I found two checks from Ally one of the checks was for the amount of {$840.00} Ch # XXXX and the other for # XXXX Ch # XXXX. Those checks has dated of XXXX, so I sent an El mail to them through the app let them know about the checks and if they could send a new checks with the date updated, and they said I should call because they need more information. I called and one of the representatives who took my call assured me that the checks will be send them during the 7 or 14 days, and he cancelled the old checks. Well the 14 days passed and the checks never arrived. So I call Ally again and other representative told me that I should call next day and the checks will be send them through the night, and I said how they will be sending the checks during the night mail if they couldnt send the checks in 14 days. So I asked him to transfer my call to his supervisor and XXXX con badge # XXXX took my call and she said that the checks can be send them because they are in investigation because they need to know where is the money of that checks, and the investigation will be lasting around 4 weeks to 6 weeks. I really was upset because that looks that they were just telling me lies just to dont call again. So I sent another email thro the app because they said those email goes directly to accounting department, and they just ignored my email. So today XX/XX/XXXX 4 weeks already from my first call I decided to call again to know the updates on the checks and see if they finally have sent the checks, now another representative told me that I have to wait another 4 or 6 weeks because they have to know where the money goes because the money doesnt appear in their accounts, that they can see that the checks have found and still have founds but they have to check where that money went internal to could send me the new checks. I have another car financing with this company and actually I dont know if they are a trusted financial company since they are just keeping that money. I dont know what is the problem with the checks if like I said that money is mine and I have all the right to have it, because the car was paid in full, and they dont have any right to take it. I really appreciate any help that you can give it to me, because like I said this people just are telling me different stories and at the end they will keep the money to them.

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 2021-07-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For months I have been charged {$1.00} for balances under XXXX cents and I have been told this is the interest ( 11.24 % ) on my account balance of XXXX cents per month. It is not identified as interest, it shows on my statement a 'minimum charge '. XXXX charges my credit card {$1.00} every month regardless if there is a balance or not. Credit Card representatives explain this 'minimum charge ' as the INTEREST charge on my card. 
Can a credit card company charge me every month regardless of a balance? I have never heard this done with other creditors I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  is reporting wrong information to all three credit reporting bureau 's. XXXX XXXX is reporting a balance of {$2400.00} on the account. It is showing the original charge off amount is {$5300.00}. The last payment XXXX received was {$200.00}. If the amount of the charge off is XXXX and the balance is now XXXX the last payment should be more. It is also showing on the credit report the last payment was received in XX/XX/2014. On the credit report It shows no data for the payment history of XXXX and XX/XX/2014. This whole tradeline is showing incorrect information that does not add up.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The ACCOUNTS I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the ACCOUNTS 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ) showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the ACCOUNTS 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXXl is being investigated by the FTC 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 fraud.

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 2023-12-15
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We were paying {$200.00} over the minimum each payment and I wanted to change XXXX  autopay amount to the minimum payment. It was impossible to do this online so I tried calling but could not find a way to reach anything but automated messages on their phone number. ( There XXXX be a way but it is so obscure that I could not figure it out. ) I also sent XXXX emails ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) as well as a physical, paper letter on XX/XX/XXXX and received nothing but automated replies and promises that they would be in touch. To date, we have had to continue to make XXXX payments ( XX/XX/1929, and XX/XX/XXXX ) that included our extra amount : that means we have paid {$600.00} since I first began to try to stop the extra payments.

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 2023-09-20
Company: EQUIFAX, INC.
State: NJ
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:
Recently I've received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. I've sent Equifax a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 creditor, XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One - XXXX  and XXXX XXXX credit card I have checking, savings ( XXXX savings accounts ), and credit cards with capital one - I have been with Capital One checking savings for XXXX years. I liked the convenience of having everything under Capital One 's roof. 

I received a 0 % balance transfer from Savor - my XXXX credit card had a XXXX balance. I transferred XXXX to the XXXX card ( my credit limit is XXXX ) in late XXXX XXXX ( XXXX percent interest rate for XXXX year ). The XXXX credit card had not been used in a while ( XXXX balance on this card ) - I forgot that I had paid off the balance in full, which draws from my capital one checking account. I did not have enough in my checking account to cover the balance- it was rectified the next day. I received 2 letters in the mail stating that my XXXX and XXXX XXXX credit card activity is not consistent with our expectations of usage and violates the Capital One customer agreement. My XXXX XXXX had a {$290.00} balance with an automatic payment set-up. I have never missed a payment and have since paid this credit card off entirely. 

I called Capital One - the first person I spoke with told me I was charged with first-person fraud ; I had never heard of this and asked them to explain, which they could not. I had to XXXX it. The second person I spoke with stated it WAS NOT first-person fraud- it was company policy, and it was in my best interest to pay it off in full. The third person I spoke with could not tell me anything at all- they stated it was just company policy and they couldn't do anything about it. To recap, no payment is due on the XXXX account ; the transfer is less than 60 days old. 

I then went to Capital One Fraud Department, who told me they were just being honest with me - that Capital One had charged me with first-person fraud, it would impact my credit score, and it was in my best interest to pay it off. 

I have no recourse - no ability to dispute this charge, there is no one left at Capital One to discuss this with, and my XXXX and XXXX XXXX accounts were closed. I am now nervous about what power this company has over my banking/savings accounts. I will be moving to another provider and learned lessons about putting everything under one banking company. 

Is there any assistance or advice? I have good credit, make on-time payments, and have over a decade 's worth of Capital One data/history with this company. I am so confused about how I am charged with first-person fraud. 

Capital One has taken my credit cards and my credit score hostage and has told me that it is in my best interest to pay this off ASAP. Once again - I just transferred this late XX/XX/2023, and it is XX/XX/2023. This can not be legal, and I need to understand my rights. 

Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-06-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase bank on XX/XX/XXXX stating they have decided to close my account. The checking account will be closed on XX/XX/XXXX, that is less than 20 days before the closing. I contacted Chase by calling XXXX ( the number listed on the letter ) to find out WHY they close my good standing account, but Chase bank refused to give me any answer. The rep on the phone talked like a robot and she just kept repeating what the letter says, finally, she said the bank can not tell me why due to privacy reason, I hope she didnt mean that Chase bank wants to keep my own privacy from myself. This checking account was opened in XXXX, its been in good standing for XXXX  years. And now I have to change all my direct deposits and all auto draft payments to a new checking account, Chase has caused me lots of unnecessary hassle, so they must give me a reason for closing my good standing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: LHR Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company has been harassing myself and my family members repeatedly and saying I owe a medical bill of {$800.00} from 2010. This is not on my credit report. They have threatened saying they 're going to bring me to court if I do n't pay them right away. I 've told them to take numbers of my account and they have continued to contact my family.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XX/XX/XXXX XXXX XX/XX/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

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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/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 XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Original loan XXXX XXXX XXXX XXXX New loan number XXXX I originally spoke with XXXX XXXX on XXXX  at that time my credit report was ran. I was approved, after not hearing from XXXX for over a month. He was out sick for 3 weeks. After reviewing the title company information of the amount of over {$10000.00} being paid to them. I went back to XXXX and ask if I could add my spouse for income purposes. I was informed that my spouse credit score would need to be XXXX, it was XXXX XXXX said that he could not remove my spouse, he would need to do so manually, to avoid entering a new application, and it should take no more than 2 days, and that he would call me back. He never called, so upon calling him back the following week XXXX was out of the office, so I emailed his supervisor XXXX XXXX, which informed me at that time I was misinformed, and that she apologized for the inconvenience, she would make sure that I was locked in at the same rate, but would have different advisor take care of my application moving forward, by the name of XXXX. I spoke with him that day only, upon calling back he was never available, so I switched back to XXXX XXXX. Who started a new application around XXXX and told me he had everything, and to only send an updated paystub, which I did, while on the phone with XXXX, and he also requested for me to pay another appraisal fee, which I did. By the end of the call XXXX told my closing date would be on XXXX, due to my information already being verified, and processed. I called XXXX on Friday, and again on Monday XX/XX/XXXX to confirm closing, and he said yes you are all set to close on XXXX I felt to call him back again today XXXX. XX/XX/XXXX At that point XXXX said they ran into a problem, my credit report expired. Keep in mind I file a complaint at the Bank last month with the resolution department,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
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: Account status incorrect

Complaint:
To whom it may concern, I have sent dispute letters to XXXX, XXXX   and Experian to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX. 

2. Round 2 was sent in XX/XX/XXXX. 

3. Round 3 was sent in XX/XX/XXXX. 

4. Round 4 was sent in XX/XX/XXXX. 

I have charge offs remaining on each credit report from XXXX, XXXX   and Experian for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.

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