BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: ALLY FINANCIAL INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I brought a XXXX car in XX/XX/2019 in Maryland for XXXX and the interest rate from Ally Auto Finance was 12.99 % for 84 Months. I have paid so far 16 payments for total of {$9700.00}. I paid {$6900.00} in interest. I still owe {$30000.00} and I will end up paying over {$51000.00} for a car that today is only worth {$18000.00} according to XXXX XXXX XXXX. I want to know if $ 12.59 % interest on {$33000.00} should equal {$17000.00} over 84 months of payment. how are they calculating it and is it legal to do it the way they are calculating it Call them a number of time and could not get a good explanation.

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 2023-11-20
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My Vehicle was stolen 2 yrs ago in. There was my debit card I called immediately to cancel card they did not over XXXX was taken from my card. I had XXXX left and it took almost a year to have them verify my account and let me back in. When I finally did they couldnt explain where my money was and kept telling me they would credit it back. After months of calling. They locked me out of my account and said I had the wrong email. It was programmed in my phone and they emailed me several times so I know better. .my funds were taken at almost XXXX on that day. So no one on customer services could explain and kept saying I closed account. I did not. But even if I did they have to send me a check or give me my money. I screen shot all interactions and they act as if I never had that account now. They have not only done this to me they have done this to several other clients I have heard of. I have requested statements and supervisors to call they were rude and have not still released my money. I worked for it belongs to me and the day I reported my card stolen funny that over XXXX was taken and my card wasnt cancel till almost a year later. .they have been ugly and now acting as if I didnt have any way to talk to them cause my account is not showing up after I have several calls earlier that day from them. 3 supervisors told me they would investigate but my money would be returned by the end of the week. Which was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-25
Company: EQUIFAX, INC.
State: CA
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CITIBANK, N.A.
State: AZ
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:
Back in XX/XX/2020, I purchased an airline ticket with XXXX XX/XX/XXXX. In XXXX, when the flight was scheduled, it was cancelled due to Covid. I fought with both XXXX XX/XX/XXXX and Citi Bank Credit for a refund. It was denied even though U.S. Dept. of Transportation said the must offer the refund. It took ten months of dispute and getting my congressman, Representative XXXX involved to get the refund. However, Citi Bank credit card refuses to refund the credit charges even though they acknowledge that it was a bogus charge in the first place. Charges from Citibank are about {$200.00}.

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 2022-02-23
Company: EQUIFAX, INC.
State: WI
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:
I called Equifax numerous times to ask why my credit score is not reporting. They have never answered my question of why my score is not reporting. They continue to say they are investigating it but I never get a response back from them. I personally think someone screwed up my account over there and they are covering it up. This is affecting my business and my personal life because lenders keep asking why can't we see your Equifax score as if I am hiding something from them. I would like to know if there has been some mishandling of my account and if not then why is my score not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MS
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-05-11
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 information incorrect

Complaint:
XXXX XXXX XXXX Is a Account that is being reportered as a Charge card for Experian and Revolving for XXXX while not being reported at all for XXXX, and is ruining my credit, This account is also not accurate in being reported across all 3 credit bureas, This account is being shown as having 3 late payments on XXXX, XXXX, and XX/XX/2023 on Experian while not having any late payments according to XXXX, Balance was last updated on XXXX XXXX for Experian and XXXX XXXX for XXXX, Past due amount according to Experian is {$15.00} while according to XXXX it is {$5.00}, This account is extremly innacurate, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. 

XXXX XXXX for Experian, XXXX XXXX XXXX for XXXX, XXXX for XXXX is the same account being reported extremly inaccurately, For both Experian and XXXX the account number is being reported as " XXXX '' While for XXXX it is being reported as " XXXX '', For Experian there is no balance displayed while for both XXXX and XXXX it is being reported as {$0.00} balance and 100 % being paid off, For Experian the account type is displayed as " Secured Loan '' while for both XXXX and XXXX it XXXX being displayed as an Installment account. There is no balance update date for Experian while for XXXX it is being reported as last updated on XX/XX/2023, And as for XXXX XXXX updated last XX/XX/2023, For Experian there is a late payment on XXXX, XXXX, and a XXXX  on XXXX of XXXX, For XXXX there is 2 late payments being reportedon XXXX, and XXXX of XXXX, for XXXX there is 2 late payments being reported on XXXX of XXXX  and XXXX of XXXX, This account is extremly innacurate, The Contact info displayed on the Experian report is different than both XXXX and XXXX This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report.

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 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
i have disputed some unauthorized transactions to company twice. i have filed a complaint against them also for not filing the first time undisputed the transactions. i have been waiting since XXXX for them to resolve my issue since i did not make the transactions i should of had my money back on my 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 monetary relief
Consumer complaint received 2022-02-23
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX/XXXX  XXXX  XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  -Inquired on 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: Lockhart, Morris & Montgomery Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello the company LOCKHART MORRIS & MONTGOMERY has violated the Fair XXXX Collection Practice Act by trying to collect on a debt not owed and by reporting an alleged medical account to all three credit bureaus. I spoke with a representative from LOCKHART MORRIS & MONTGOMERY on XX/XX/XXXX to get more details on an account this company reported as being in collections after being notified a new collections account appeared on my credit report. 

During my conversation with the representative, I was told the debt is from 2015 and is from an emergency visit to a hospital. I told the representative I never visited the hospital in question as my primary care physician is at another hospital company. The representative insisted I had visited the hospital but they had my address wrong. I was advised to call the hospital in question. When I called the in the alledged hospital I was accused of visiting in 2015 they confirmed I never had an account with them, no open or past debt, and they never sent any bill to collections. 

After speaking with the alledged hospital from where the debt orginiated, who then confirmed I never had any past due debt with them nor a record of visiting their ER service in 2015 I proceed to call LOCKHART MORRIS & MONTGOMERY and demand they remove the collection account from all XXXX credit bureaus. They refused stating the debt was valid. I asked them to provide proof of debt or a bill of sales. It's been XXXX weeks I have yet to receive this. They have never provided proof of this account belonging to me or how they got my information. 

In addition any alleged medical debt is not permissible to be reported to any credit bureau due to changes to the Fair Debt Collection Practice Act. Wisconsin also has a statue of limitations where debt older than 6 years can not be collected. The alleged debt supposedly originated in Wisconsin in 2015. The company has also failed to prove the debt is mines to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : 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 non-monetary relief
Consumer complaint received 2021-03-18
Company: CAINE & WEINER COMPANY, INC.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I bought a truck XXXX XXXX ( {$52000.00} ) on XX/XX/2021 from XXXX XXXX XXXX and got a loan about {$36000.00}. While I signed the purchase agreement and sales contract with XXXX XXXX, the dealership crossed the lender and changed it by Chase Auto Finance on its own copy. The sales contract was altered just after I signed it without my approval. Chase Auto Finance should have rejected the sales contract that has been altered.

Mr. XXXX ( General Manager XXXX XXXX XXXX and XXXX ) did not provide any justification on how his team practices business. In the other hand, Mr. XXXX called me on XX/XX/2021 and informed me that it was a common practice to make money on the back of the customers by selling the loan to a higher rate than proposed by the lender and then getting the difference. There are common practices, but that doesn't mean good practices. In my case, while processing my loan application, the XXXX financial advisor only qualified me for one lender/one rate and tried to convince me I will get a better interest rate if I buy their Mechanical Protection Plan, but by not buying any of their products the financial advisor went with the unfavorable terms ( 3.39 % /75 months instead of 2.62 % /84 months ) and secured the loan from XXXX  XXXX. By not knowing that I had the choice of lenders and rates, it seems obvious to say that I was limited in my choice, my ability to make a good decision and then my judgement was biased. There is a sales contract and a purchase agreement where XXXX XXXX was assigned and we agreed on that. Mr. XXXX is mistaken when he said I had a fair treatment while XXXX took advantage of the situation by knowing about a better lender, never disclosed that information to me and altered the contract for their own benefit. There is a big difference between assigning the lender ( what happened in my case with XXXX XXXX ) and re-assigning the lender by altering the sales contract. In numerous cases, the FTC has charged dealers for Deceptive, Unfair Sales and Financing Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: VA
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence 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 explanation
Consumer complaint received 2022-02-18
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX or XXXX of XXXX, I received a weekend phone call from a company concerning a dept from a creditor in which I had no previous contact or experience. I informed the company that I had no knowledge of this debt and it did not belong to me. The company requested over the phone that I provide my SS # in which I refused to provide over the phone given multiple fraud attempts regarding my personal information. I receive a statement dated XX/XX/XXXX from MRS BPO LLC for an amount of {$500.00}. I responded to the letter in writing informing this company that I have no record or knowledge of the dept, did not think the dept was mine and requested that they cease from contacting me regarding payment for this dept. 

On XX/XX/XXXX, I received a electronic alert that my credit record had a collection notice placed by XXXX XXXX XXXX XXXX XXXX. When I examined my credit report, my score had negatively been impacted by over XXXX points due to collection note placed on my file by XXXX XXXX XXXX, XXXX. I had not been contacted by this company previously. I called XXXX XXXX XXXX, informed them that the account was not mine. They provided a document in which it appeared someone had opened an account via the internet using my personal information and an email account that was not mine. I informed XXXX XXXX XXXX that I did not open or had no knowledge of the account and it appeared to be fraudulent. They demanded that I file a police report, obtain a certified rebuttal and provide ID to " investigate '', meanwhile my credit continues to be flagged with the fraudulent account.

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