BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hi there my name is XXXX XXXX, I have a Lease through ally Financial Back when Covid 19 hit I gotten a phone call from Ally to see if i would like to extent my lease payments for 180 days. of course at the time i had agreed to this because of the financial hardship I incurred during this time.

6 months gone by I never got one phone call from them I went to make a payment when my hardship was up and was told that my truck was in for repossession that if I did not make a payment at that point I would be without a vehicle. At this point my payment was extremely late and had to make a XXXX payment to get it out of repo status. 
I have several late payments recorded on my account because of their lack of communication and I am very frustrated because I had a juristic decrease in my credit score. I have since made every payment on time but still shows that I am behind on payments and all will not make it right. I would like help on this situation to get my credit back on track because of their issue.

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 2020-09-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to transfer money to my wife Citibank account. I am explaining to the rep something is wrong with the website and app. I explained to them I can not clear the browser on a Federal Government computer. I am asking for the routing number rep is refusing to provide me with the bank routing information.

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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.

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 2020-11-19
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am a victim of Debit Card Fraud. XXXX XXXX and XXXX XXXX stole my card and stole {$6000.00} from me. They have both been arrested and we are waiting for a court date so that I can press charges. Way 2 Go card company, issued by Georgia Department of labor has everything they need per XXXX XXXX County Police Department to refund my money. They still have not given my money back. I'm not sure why. A crime was committed and Way 2 Go is letting the criminals get away with stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
rushmore loan management services extended to me a 3 month furlough due to covid 19. 
i started paying the loan last month and they refused my payment saying i was late and the payment wasnt sufficient. 
i called the company and they stated they never gave me a covid furlough. 
i have all the paperwork at home regarding the payment relief they issued to me. 
they also file a missed payment with the credit reporting agency. 
which is false. 
they returned the check to me. so the payment was made they just refused the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was told after a deposit into my paypal account that a limitation was pit into effect for suspicious activity. So they asked me to upload numerous documents to verify my identity. I did so in the time frame requested. Then on XX/XX/2020 at XXXX XXXX i called and talked to a worker at paypal and asked when my account would be restored and was tild by the end of the buisness day. Then the next day i checked and they had permanently banned me from using paypal and are holding all my money for 180 days. I asked to appeal the decision and was denied. I asked if there was anything i could do to access my money and was denied. They never gave me the option to appeal the decision as well as gave me false info about restoring my account. in the state of oregon it is illegal to hold my money without first giving me a chance to fix the issue in question. They couldnt even tell me what suspicious activity it was that got my account banned. I need my money now not in 6 months i have kids to feed as well as a home to pay rent for. I will lose everything if my money is not given to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
USAA on X/X/17 is sending me a credit card statement attempting to collect a debt that was discharged in bankruptcy on X/XX/17. I have attached the statement they sent me and the discharge order.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-19
Company: WELLS FARGO & COMPANY
State: SC
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 was contacted by Wells Fargo 's automated service on XX/XX/2020 of insufficient funds in my account. The auto-payment of the credit card, which had been suspended, was reactivated without warning and drafted from the wrong account. 

As a result, I have incurred a {$35.00} returned payment fee. It also seems my credit was affected. I made Wells Fargo aware on XX/XX/2020 by phone call that the amount needed to be reversed and all automatic payments needed to be suspended. I noted on this phone call that I would like written resolution, as well as an email confirming that I had contacted them on the matter. 

I received a confirmation of my complaint on XX/XX/2020 stating that the matter would be resolved, at the latest, within 10 business days. It has now been 11 business days and my account has not been credited with the fees that were erroneously charged to me after an automated charge that was cancelled was run against the incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I write to you about my Citibank banking account I opened while I was studying in the US. 

On XXXX XX/XX/2017, the Bank notified me by mail that they were taking action to close my account, and they wrote to me that they were going to mail me a check for the remaining balance in my account after it closes ( almost XXXX XXXX usd ). 

I didn't take any action and just waited for the check. 

Subsequently, on XXXX XX/XX/2017, the Bank confirmed to me by mail that my account had been closed, but, contrary to what was written in the previous letter, they asked me to provide instruction otherwise the funds were being held by a Citibank branch. 

So, on XXXX XX/XX/2017, I wrote the instruction, but unfortunately, I haven't received anything so far. 

Later, I called Citibank several times and wrote them a couple of letters requesting to send me back the remaining balance. 

Citibank has never answered to me and they still keep unlawfully my money.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-07-01
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. These items are fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The accounts are not king and the support account has been closed they will not remove this report please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.

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 2020-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXXCredit Acceptance stopped reporting my 100 % on time payments to some of the credit bureaus. 
Within a week I stopped receiving loan offers. Though at that same time frame XXXX XXXX has been sending me notices to come in and upgrade my car, knowing I can't even get a loan on tires now because of their actions. Called them. They don't care and will not call me back on this issue. 
XXXX  is the only only one being reported to. My scores dropped 95 points because of this.

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 2021-02-23
Company: CITIBANK, N.A.
State: KS
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:
I have seen inquiries from companies that I dont know nothing about.

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 2020-11-07
Company: Aargon Agency, 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:
Issue : XXXX Reporting There are 5 collection accounts on my report that are inaccurate. I have never done business or entered into written agreements with any of the aforementioned businesses. It appears to be collection agencies from medical bills and a cash advance business. 

I have submitted numerous disputes and asked for copies of the original written agreements to verify the accuracy of the accounts, and I have not received 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 2020-09-03
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX XXXX Experian XXXX XXXX  XXXX Second Round XXXX    XXXX Experian 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 explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX XXXX XXXX  XXXX Transunion XXXX Second Round XXXX   XXXX XXXX  XXXX TransUnion XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Netspend Corporation
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Having problems with unemployment and XXXX  NetSpend XXXX  all access NetSpend

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 2019-02-19
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: Information belongs to someone else

Complaint:
All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.

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 2020-09-03
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Ascendium Education Group
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I haven't applied for student loans since XXXX and I have no connection to ascendium or whatever but I keep disputing the 8 accounts on my credit file and the bureaus keep verifying them as accurate. I just ran my name to see if my private information was compromised by XXXX  in their XXXX security breach and apparently it was, yet XXXX  never informed me and I can't provide evidence to support my disputed information. I just don't see how im obligated unless to a judge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One Bank & XXXX XXXX ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.

Company response to consumer: Closed with explanation