BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have a big issue with how my Ally account is being reported. The vehicle was totaled in early XX/XX/2020. At the time of the accident, I was current on my lease payments. My insurance company needed a " Letter of Guarantee '' from Ally in order to pay the claim in full. I expect they required such a letter to ensure they pay the correct amount to finalize my lease. On XX/XX/2020 Ally did do a Letter of Guarantee ( see attachment ). This letter instructed XXXX insurance to pay an amount of {$27000.00}. On XX/XX/2020, XXXX promptly paid Ally the {$27000.00} that was needed to finalize this lease ( see attachment ). Attachment 2 also shows that the {$27000.00} check status is " Cleared ''. But Ally held the payment for 15 days. My Ally Financial XXXX was paid exactly what Ally said was due in XX/XX/2020 and I should not have any balance, past due nor any derogatory credit payments or remarks such as charge-off on or after my XX/XX/2020 accident. Look at the attachments and it should be very clear that I own Ally NOTHING.

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 2021-07-04
Company: Lending Club Corp
State: MD
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 company is reporting my account twice on my XXXX  report. They have different balances and payment information. I have only ever had one account with this company. I submitted a dispute with XXXX  but the company is saying that the information is correct. I sent a message to Lending Club and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I try to buy a cruise and it did not go through on XX/XX/XXXX, I closed the website and reviewed my email and there was no confirmation or charge in my acct then later I bought another cruise. On XX/XX/XXXX both charges were on my credit card. I called Wellsfargo and explained the situation and they start a dispute, I received confirmation on XX/XX/XXXX, on XX/XX/XXXX I have a 3 way call with the cruiseline and wellsfargo and the cruise line did not want to refund my deposit and sent wellsfargo the  confirmation the cruise line send me 14 days later of a charge that never went through, Wellsfargo credited temporarily my acct on XX/XX/XXXX, on XX/XX/XXXX I received another email from Wellsfargo-XXXX XXXX XXXX telling me that the dispute is on XXXX Arbitration and can not warranty the outcome and it is going to take another 60 days. While all this is happening the cruise agency is telling me that I can lose all my money XXXX if I do not accept losing XXXX now. Wellsfargo is telling me that I have to wait 60 days to hear a result, I told them the situation with the cruise line and they just say that there is nothing they can do that I have to wait even if the outcome is losing all my money, I asked to explain XXXX the situation and let them now this situation is time sensitive without any result.

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 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Attempted to send money to family member overseas using Credit Union, transaction not approved after several questions which seemed not relevant such as my age, what was the transfer for and to whom, etc left me very uneasy, unsettled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
LendUps payment processing system wont process a payment using two different MasterCards. The error message is does not state a reason. This issue was duplicated by Lendup via phone support. Lendup is aware of the issue as it is indicated on my account early 2018 when first reported this issue. They have not resolved it and have not been able to process my payments. Although they say this is being investigated as an issue with their system, Lendup has still negatively affected my credit. I have made regular attempts to pay and their system still fails. It even fails with the account they sent the initial loan money to. 
They will communicate this issue with me over the phone but are very careful not to indicate it via email. I have communicated this information to Lendup with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
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: Account information incorrect

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX  and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX as well as the bureaus to fix my credit report however, I have not been successful.

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 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I disputed several items on my credit report to Transunion and XXXX regarding XXXX XXXX XXXX XXXX. I never knew WHO, WHAT or WHERE this debt came from and I asked both the company and both credit reporting agencies as PROOF of this debt. There was no proof of this being my account, and yet, it remains on my credit reports as a CHARGE-OFF.

XXXX XXXX XXXX  is yet another collector using illegal practices. I graduated from XXXX  in XXXX  of 2016. And yet, this company has listed this as a NEW debt 4 years later. I have never even heard of these people. Old debt can't be listed as new debt.

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 2018-09-22
Company: Experian Information Solutions 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:
XXXXXXXX XXXX has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead XXXX XXXX sends me receipts and checks WITHOUT my signature verifying the account. Against the law. XXXXXXXX XXXX did not indicate Dispute on my CRs 30 days after the original dispute letter dated XX/XX/2018. Violating FCRA. I am requesting that you enforce XXXXXXXX XXXX Experian and XXXX and XXXX to investigate and report in accordance to the guidelines of the FCRA.

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 2018-09-22
Company: MOHELA
State: MI
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:
I originally started out with {$77000.00} in student loans, due to my income based repayments, I now owe {$110000.00}. I have been paying what I can for the last 7 years but continue to have my loans grow because I don't make enough money to support my family AND make a payment of at least {$640.00} a month which ONLY covers the interest. My issue is that last month, after 7 years of making payments, now the added interest is being reported to the credit agencies. It never had been, I was unaware that this was something that would change and now, every month my credit score goes down and after working very hard for a year to get out of a chapter XXXX bankruptcy and rebuild my credit so I can get a mortgage, it's getting lowered every month no matter what, even though I'm paying what the federal income based repayments plan said I can afford. How is this legal? How can what gets reported change after 7 years?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00}, XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, 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 explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: DC
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 checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX  ( 3X ), XXXX ( 3X ), XXXX ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2020-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 at XXXX, I received a call on my private unlisted number from Portfolio Recovery. I asked them multiple times to stop calling my phone numbers. The have been harassing me with continued phone calls for the past year now. I have asked him many times when they .called to please stop calling my phones and take me out for their call list. I've told them multiple times that I was going to report them if they don't stop calling me and today I filed the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: DC
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 checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX  ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: JPMORGAN CHASE & CO.
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:
Chase Bank has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead Chase Bank sends me receipts and checks WITHOUT my  signature verifying the account. Against the law. Chase Bank did not indicate Dispute on my CRs 30 days after the original dispute letter dated XX/XX/2018. Violating FCRA. I am requesting that you enforce Chase Bank XXXX and XXXX   and XXXX to investigate and report in accordance to the guidelines of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased XXXX XXXX XXXX in XX/XX/2013, the car was valued at {$20000.00} before my down payment. I had the car a total of 5 years, towards the beginning of the 5th year the care was repossessed and determined that I still owed {$15000.00}. I spoke with a rep who sent me over a break down of payments. All but 5 payments went to principle only. As of today the car is still repossessed however the bank now sates that I owe {$17000.00}. After speaking to someone to determine why the balance was still so high, she stated that she didn't know. I do not agree that all the money I have paid over the past 5 years should not have gone towards my principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Report # XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 2 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 3 : I  dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 4 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account ( XXXX ) Item # 5 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
I have attached all documentation and it is also numbered. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 


Respectfully, XXXX 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 2020-09-08
Company: Reliant Capital Solutions, LLC
State: MN
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:
I contacted this company about a delinquent account that appears on my credit report. I asked them to send me documents validating this debt. To this day I have yet to receive such documents nor has the account been marked as " disputed by consumer '' on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/XXXX Kohls Department reported I had not paid a {$2.00} charge that was over 30 days old. I have not used this card. I had previously been on my mothers account for this card however I have not been an active user for several years and she called as the primary account holder to pay the charge and remove me from the account. I have called we well however it still comes up on my credit report that I owe {$2.00}.

Company response to consumer: Closed with non-monetary relief