BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. 

On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. Ally has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from Ally in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. 

I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. 

Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.

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 2018-09-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient Solutions has been contacted several times to address the interest rate on a personal loan acquired originally as a XXXX XXXX XXXX loan. The original balance {$4500.00} in 2009. I was unaware of the loan, but luckily it was being automatically debited from my bank account. Navient Solutions has acquired the ~ {$2700.00} loan and set the interest rate at 14.99 %, I was not even notified when the transfer of service occurred or given any further options. I contact them at least every few months, try to make more payments but they put the payment towards interest and not principle despite the majority of the payment amount going towards the interest. The loan continues to increase every month despite my payments, they refuse to allow me flexibility to increase the automatic payments and they refuse to reevaluate the interest loan. This is the practice for my Federal Loan as well, there are no other option for repayment. I have not missed a payment on any loan for at least 5 years and all I see is the loan balance increase despite my efforts and extreme hardship on my family as a result. I am unable to transfer my loans, consolidate, and I am not sure what to do as this institutions can not " advice '' on a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on Walmart website for XXXX product sometimes in XX/XX/2023 after I got the product and refund the next day in XXXX. I filed the disputed around XX/XX/2023 and got email from Walmart and XXXX for refund since XX/XX/2023. 

I got the charged post back to my account in XX/XX/2023. I reached to XXXX XXXX Walmart. They have already told me that they have refunded the payment to credit card company. I need Paypal to refund and issue the refund.

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 2023-03-10
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 at XXXX XXXX an external transfer withdrawal was made from my US Bank checking account for {$4900.00} which neither I nor my spouse authorized. I immediately contacted the bank that same morning and was put in touch with the Fraud Liaison Department. They locked the account and had me file a claim. It was denied and I was told to resubmit and it was denied again. I asked for documentation for the denial and was sent technical information with the pertinent IP addresses and all other data necessary to find out where the money was transferred blurred out. After several more phone conversations with the Fraud Department I was told that the denial was final and there was no one else I may speak with at a higher level. The US Bank local branch manager phoned me and we had several conversations where he asked me to email him the paperwork between me and the Fraud department. I have called him to follow up and have not received a response. I have also filed a Police Report in my home town.

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 2020-07-26
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
SOMEONE HAD MY CARD INFO AND HAS BEEN USING IT IT BUY FOOD AND RIDES AND GET HOTELS AND AND TRANSFER MONET TO THIERT ACCOUNT. WHEN I NOTICED IT I CALLED CUSTOMER SERVICE AND SHE SAID I CANT DO ANTHING TILL ITS CLEARED AND SHE RESISSUED A CARDF AGAIN. 
A GUY NAME XXXX XXXX IS THE ONE THST  HAD MY CARD INFO AND RACKING UP THE MONEY THAT I NEED TO CATCH UP ON BILLS SO PLEASE HELP ME WI TH THIS THIS GUY NEEDS TO BE STOPPED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act DPT EDXXXX 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: McNeil & Meyers Asset Management Group, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
McNeil & Meyers XXXX XXXX XXXX XXXX This is not my account. I have been back and forth with this collection agency and all XXXX credit bureaus. All three bureaus said over the phone and online that the account has been verified. I received a copy of a contract that had another address on it so they blacked it out with a marker, it shows a electronic signature that isn't my original signature. This account does not belong to me. this is not validating anything and the XXXX bureaus had no right to put this on my credit without my written consent. I have bee requesting for months that this account be removed immediately. I told them I know my rights and I would have to take actions to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: MS
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:
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 has violated my rights. Or a list of inquiries : 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 2023-09-19
Company: JPMORGAN CHASE & CO.
State: TN
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 to the fair reporting act. This creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. Under 15 U.S.C. 1666 B 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 2023-09-19
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
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:
Consumer Financial Protection Bureau Complaint # XXXX XXXX XXXX We thank XXXX XXXX for his comments and please find our response below. 
NOTE : XXXX XXXX also filed another complaint at the same time ; # XXXX. 
XXXX XXXX entered into a Simple Interest Note And Security Agreement on XX/XX/XXXX, and he pledged his XXXX XXXX XXXX as collateral. He also executed a credit application which gave us valid a permissible purpose to review this credit file. 
XXXX XXXX account become delinquent, and the account was assigned for repossession on XX/XX/XXXX, however, we have been unable to locate and recover the collateral. 
The balance remaining on the account is {$6200.00}. We ask that he pay this amount immediately or surrender the collateral. 

15 usc 1681 b 2 who gave permission to share my information? permissible purpose title 18 identity theft any Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

can not use my information without my permission or its identity theft its the LAW I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS!

Once again! I am informing you to cease all contact with me or anyone else about this claimed debt.

Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Criminal background info is incorrect. 
Date of offense is reported as having occurred on XX/XX/21 Correct date is : XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Aldous & Associates, PLLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 Aldous and Associates claimed to have sent me Validation of the alleged debt that I owe to XXXX XXXX. The bill that they sent me happens to be what is called VERIFICATION that they are collecting on an alleged debt that XXXX XXXX XXXX  claims that I owe but it is not VALIDATION. I am attaching the debt validation to this complaint which details exactly what I am asking the company for. There is also a Cease and Desist attached to this complaint as well. Aldous and Associates continues to use extortionate means to collect an alleged extension of credit. The violator can face up to 20 years in prison, be fined or both. To avoid myself having to take legal action for such offense I advise Aldous and Associates to cease all collection activity including reporting of ; or verifying of this account on my credit reports. If the company chooses to not comply with my requests, I will have no other choice but to pursue legal action. I believe that XXXX XXXX XXXX is in charge of the operations of this company and will be seen as liable for his compliance in the use of deceptive means to extort money from uninformed consumers. Please take this matter seriously. My consumer file is a direct representation of my reputation and I take my reputation seriously. If the company claims to have the right to collect this debt from myself the consumer, please attach the trilateral contract in which I agreed to be party to the collection of an alleged debt by a third party. Your prompt response is both required and necessary. 

this is in response to complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At approximately XXXX hrs on Saturday, XX/XX/2023 I went into the vestibule ATM of the PNC Bank located at XXXX XXXX XXXX. XXXX XXXX, MD. XXXX to make a {$800.00} cash deposit using my XXXX Atm card. I inserted my XXXX Atm card, entered my PIN per usual and machine prompts. The machine then asked me what I wanted to do, I pressed make a deposit. It prompted me to insert my 8- {$100.00} bills. It counted them and displayed the message " would you like to deposit {$800.00} '' in XXXX bills. I confirmed yes. The machine counted the money, made a few noises-what sounded like it depositing my cash into its safe. The machine then displays " sorry we are unable to process your transaction, please take your card ''. I followed directions and took my card. The machine then went back to " normal '' screen meaning it was ready for a new transaction. The machine gave me no receipt, did not credit my checking account for {$800.00} deposit, and did not give me the option to have my money back. If I did this to the ATM I would be in jail, but for some reason PNC has kept my money for 2 weeks and seems complacent in the fact that their machine has defrauded me. Please help me!! I reported immediately to PNC per the ATM machines XXXX help number and they said they could not help me since it was outside of normal business hours. I went to the bank when they opened the following monday and made a complaint to the manager. He informed me that PNC does not service their own ATM 's but not to worry they would find the unallocated funds. He has not responded to my calls. I stopped in the bank again this Saturday, 2 weeks later now, and he said the same thing... .he hasn't heard from the ATM company regarding any unallocated funds and for me to be patient. XXXX XXXX  can not help me either they claim it is up to the ATM owner to resolve the issue and they simply noted my complaint and let me go with no resolution, just a sorry this is happening to you!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: AL
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 submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank You

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank You

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. 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 an 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit report still shows derogatory remarks regarding delinquent payments history and high revolving balance vs credit limit when these info over 12 yrs ago. I have less than 10 % debt on my credit cards and these credit reporting statement is negatively affecting my ability to get a loan

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: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i DIDNT REALLY NOTICE THIS CHARGE DUE TO ME BARELY LOOKING INTO THIS AS OF RECENTLY. this company would email me charges but i never paid it any attention because i just thought it was spam due to me not knowing what it was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Act XXXX Account # XXXX h

as 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. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # 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 XXXXXXXX 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