BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My vehicle is finance d with Ally Financial. I received a call from Ally Financial   XXXX   XXXX ,    2017  stating they had issued a repossession order for my car because of the other charges on the account for the repossession fee. My vehicle has never been repossesse d Ally added those fees to my account and I do n't owe them. I would appreciate your assistance with resolving this matter. I 've been harassed by Ally  every since I 've purchased this vehicle. Ally does n't mail me a monthly statements reflecting my monthly payments and the balance of my loan. I need to know what the loan balance is and a statement reflecting my payments being posted to my account 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 2022-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-16
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2019-11-26
Company: NAVY FEDERAL CREDIT UNION
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Filing bankruptcy Keep getting calls every single day even 2 times a day from them. I explained before I have no way to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: FinCo Services Inc DBA Current
State: TN
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:
My card ( Current ) was used fraudulent on many many different online charges.. I have contacted my bank on sever occasions and was not able to make a dispute because I did not at time have access to my online portal. I have since regained access and filed dispute they asked me several questions all of which I answered truthfully and correct. They have since denied my dispute saying that because card is in my possession they are not refunding my dispute. I have tried to contact them again thru messages emails and chat and always told same .. once they finish dispute all is final. There response was that because card is still in my possession that no error occurred. They was all online purchases thought. Please help. 
List below are fraudulent charges that was used on my account all are online purchases XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes, please.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IL
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 am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX needs to be removed reported balance {$560.00} last reported XX/XX/2022 XXXX XXXX XXXX {$5900.00} reported last balance XX/XX/2022 please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted with a voicemail informing me that I was going to be served papers between 3 and 5 the next day, that I needed to have photo ID and my supervisor would need to be present. This call came from a private number and a caller identifying herself as XXXX XXXX ( I have the voicemail recorded ). 

She gave me the number of XXXX XXXX, at XXXX. I contacted him and was told they were trying to collect a debt from 2007 ( 11 years ago ) from USBank.  Unfortunately, I fell for the tactic, gave my debit card and they immediately charged {$650.00}, and had a payment plan for 13 charges of {$120.00} for a total of {$2300.00}. 

During the call, I asked if I could speak to counsel and call them back. XXXX indicated that I had signed a contract with USBank that I had a single attempt at resolution. If I disconnected the call, they would send my information " back to the county '' and heavily implied that I would be asked to appear in court before a judge, and that the client would seek triple the amount ( {$6900.00} ). 

I have a copy of the PDF they sent acknowledging my payment plan, coming from an email address XXXX. 

I made a second call to XXXX, and indicated that I suspected they were guilty of fraudulent activity. This prompted XXXX to put on his " Director of Operations ''  whose name I can not recall. This resulted in him vaguely insulting me, asking personal questions about my work and whether I created websites for scam companies. He also claimed I sounded just like the " IT guy [ he ] just fired. '' Eventually, I terminated the call after he said he would reverse the charges, and send my information " back to the county '' (  when I asked he said XXXX, and when I said the neither the account I had with USBank nor USBank reside in XXXX county, he said he could send it to any county ) and that I could continue my case before a judge, being very careful this time not to imply that it would be someone suing me, which had been the case before. 

I have attached the voicemail and PDF

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 2023-10-07
Company: WESTERN UNION COMPANY, THE
State: WV
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:
I got an email a few months ago from the risk collections department of Western Union that somehow I had got a money refund twice from a lost money order. Its been a good year or over but I have been getting emails I could almost call threatening from the getgo from them. I was unable to use their system from credit or debit cards so I sent 2 checks from 2 instituions as I was not in a great spot financially at the time. One from my XXXX XXXX. One through XXXX as to use a credit card for a fee as I was financially strapped. I believe one went to the address for the risk collections department, And the other to Western Union Corporate headquarters. after a few more emails and a phone call i was assured both checks would be cashed and debt settled. a few months later I got an email saying I owed the amount again. The full amount. I asked why and were my checks sent not deposited. They said both were returned. I never got any email or call or info from my credit union or plastiq or charged a fee for returned checks. I believe either the risk collections departments employees are either to incompetent or inconvenienced to deal with depositing checks and or kept the checks hoping I'd pay this debt again and then deposit those checks in a fraudulent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to again assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please delete the following items listed below in my personal file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is regarding a {$71.00}  XXXX  bill from over  3-5 yea rs ago. This collection was paid in cash at a  XXXX  store in  XXXX ,  XXXX  on  XXXX   XXXX   XXXX . This collection has been removed and relisted on my  credit score 6   times in the past 2 years. This account continues to be sold, disputed, removed, and resold. My   XXXX   credit report shows that the current agency is marking my collection as a LATE PAYMENT as well as a COLLECTION. This is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

- Equifax is governed by 15 USC 1681, and they have violated my rights numerous of times. I demand the accounts listed below be removed because - According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX XXXX  Account # : XXXX Account : XXXX XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is to inform you that TranUnion has failed to respond to my inquiry dispute letter that was sentg certified mail XX/XX/XXXX and the numerous phone calls I 've made to attempt to correct this error. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. I also have a fraud alert on my credit file and to say that the social security matches does not constitute valid reporting or inquires. I asked that the following inquires from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires with a credit or insurance tranaction that is not initiated by a consumer, which I have spoken to several US agents and informed them that the following inquires was not initiated by myself and seek immediate deletion and correction to my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2017-06-02
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I. C. System, Inc. sent  a letter on    XXXX   XXXX   2017.  The claim, the creditor is  XXXX , the collection ag ency I.C. System, Inc.  is claiming to represent  XXXX  ; claiming we have a balance due of {$100.00}. Because we have a very detailed records retention process, we pulled up every bill paid on the account in question ; all bills were paid on time, the account was closed, and the  Creditor  sent us a chec k on   XXXX   f or money they owed us.  <P/> I contacted  XXXX    X/X/17     at   XXXX   XXXX  , spoke to  XXXX , who doubled checked our closed account, her response I quote : " your balance is  XXXX , you 've been a excellent customer, would you like to come back to us? '' I asked one more time, do we owe  XXXX  anything, " no you do not, ignore the collection letter, it sounds as if you 're being scammed. ''

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 2017-06-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX, we my husband and myself took out a loan with XXXX. Not realizing I should have educated ourselves a little better on School loans. My daughter is also on as a co-signer, later on approx.XX/XX/XXXX, I asked about removing our daughters name as a co-signer. XXXX instructs us to follow the rules and regulations for this to happen. I had to become current, since we did have some late payments, deferments, etc. It took us a while to maintain current payments at that time because we were also in one of those upside loans on our mortgage. After doing a short sale on the house and giving it back to the bank, things were becoming worse with my health. we decided to move out of the area to a smaller less expensive town so things would be more affordable. I always kept in contact with XXXX, finally maintained on time payments for 24 month as we agreed upon in order to release my daughter as a co-signer, then re-negotiate the loan. In the middle of this process, XXXX sends us a letter stating they are having a name change to Navient. My health is deteriorating and becoming worse, so I am no longer working. Navient has a new set of rules and tells me we do not qualify for release of a co-signer, my husband is retired and taking care of me, also maintains a part-time job with one of the XXXX XXXX XXXX So for the last two to three years we have been calling them, trying to negotiate new terms, and they are refusing. We are paying them on a regular basis, with our daughters help sometimes because of medical bills. They are telling us we have no benefits, wont even look at lowering the interest rate since our credit scores are better now then they have been. We are at 10 % variable and currently has just gone up another {$10.00}, which might not sound like much but it does make a difference when your payment is already over {$330.00}. Only {$40.00} is going to principal, at this rate we will be paying this forever! We need help, I 've checked into personal loans but now they are over 12 %, which would give us an even larger payment per month. I have asked to speak with managers, they refused, I have asked to write a letter to the lender, they say cant tell me who that is, I do n't know what else to do.? We do n't deny we owe them, we are just looking for a little breathing room. Everyone else regarding our creditors have been so accommodating, IRS, State treasury, Hospitals, even a second student loan has dropped the payment amount. I do n't understand why they wont work with us. What else can we do as consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my reports, incorrect information are being reported in my personal credit file. The Experian and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2021-04-08
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In my CFPB No. : XXXX complaint about Ally Bank payment services I reported that the limit Ally Bank advertises to consumers for person to person payments using a service called XXXX is factually false. 

As part of my report I requested the following " I would appreciate that Ally Bank provides an explanation how it arrived to the figure of {$2300.00} for the payment limits for XX/XX/2021 and how that calculation corresponds to the advertisements of the service made to consumers. '' According to the description of the service published on Ally 's website my limit for payments using XXXX service should be {$5000.00}. 

Ally 's bank in its response to my complaint stated that " pending XXXX payments count toward the maximum outstanding limit, even if the payment was arranged on a different day. For clarity purposes, any pending XXXX payments will count towards your daily and monthly outstanding limits. '' In its advertisement of the XXXX payment services Ally Bank failed to disclose to consumers that ANY pending payments, even if they are arranged to be sent on one day, count towards the daily limit for payments to be sent on a completely different day. Such description of the service is not in accord with a commonly used definition of the concept of daily limit since daily limit implies payments to be sent on one day.

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