BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I surrendered a vehicle I could not continue payments on. I was informed of the actions that would be taken. The car would be sold at auction and any amount would be credited to the owed balance. This company sold the car and the next owner claimed insurance damage and received money from insurance leaving a claim on my insurance.This is fraudulent on behalf of Ally Financial. I have been harassed about payment. 1. the insurance claim is fraudulent, 2.Documents pertaining to all gross made of the vehicle sale, insurance money, taxes, fees and the unpaid balance that was remaining has not been provided after requesting multiple times. 3. this company has sold a debt to a collection agency in an attempt to collect a debt and not provided the received amount sold for. this amount is to be applied to the owed balance since this is what the money received is for.

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 2017-09-15
Company: JPMORGAN CHASE & CO.
State: PA
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 rented a car at XXXX, XXXX airport location using a chase credit card. 

We rented a car through XXXX ( Confirmation # omitted ) and returned it in same condition - We were charged three times from XXXX. 

Originally, we paid {$1700.00} for rental car and flight through on XX/XX/XXXX. Then, we were charged ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ) without our authorization. 

After unsuccessful international calls, we emailed XXXX on XX/XX/XXXX regarding these two charges ; however, we have received no notification from XXXX about these two charges ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). 

I tried really hard to contact them for one month! And finally, I got an email from XXXX in XXXX : " XXXX, XXXX '' Subject : claim : XXXX Date : XXXX XXXX, 2017 at XXXX XXXX EDT > Cc : " Toe, XXXX '' > Dear customer, > Following our investigation, we will refund your excess. 
> Please find attached the refund letter. 
> Please accept our apologies for the inconvenience. 
> Best regards, I will attach the refund letter that I received from XXXX. 

But, Chase investigated since I filed for disputes for the two payments of {$670.00} and {$350.00}. Chase claimed they could not get a hold of enterprise and THEY CAN NOT BY THEIR POLICY STAY ON HOLD FOR A CALL FOR MORE THAN 15 MIN - so they decided to close my case. I think this is really absurd. They are not helping their customers at all. 

I have a refund letter from the person XXXX, XXXX from XXXX, XXXX, who is NOT returning any of my emails about when I am going to receive a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-06
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has been disputed several times and asked to validate with no success. This collection agency is not licensed to collect debt in the state of Texas where I reside. They are fraudulently reporting a fraudulent account to all three credit bureaus and I want the account removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX. I have been promised XXXX XXXX would remove this since XXXX and it is yet to be removed

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!

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 2023-03-31
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681. 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 can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I passed the MLO test to become a mortgage loan officer. After I applied to the NY State Department of Finance for my license they came back and said that there was a charge off from Bank of America from XXXX on my credit report. In order to get approved and obtained my license I need a letter from Bank of America with my account number on it that states this loan is paid off or I am working to resolve this issue. I have been calling Bank of America since XXXX in order to obtain this letter. Because the account was charged off in XXXX no one can pull the account so I get transferred to someone who can pull the account up in their old system. When I speak to that person they tell me that the account is closed and already paid off and they will submit the request for the letter. I have not received a letter. I have sent in written requests for the letter and never received a response. One representative told me that I needed to start making payments. I told them I was willing to set up a payment plan and they said we don't do that. I then said what if I make a {$1000.00} payment can I have a receipt or letter showing that I am working on resolving this issue, they tell me no we don't give receipts. I was also able to obtain the lien release from the State of New York. When I tell Bank of America I have a copy of the lien release they tell me yeah we see it but I can't help you. I have been transferred to every department, I have 13 different case numbers. When I give them all the case numbers they say they can't see them that I must have made these requests online. I tell them I have never submitted a request online and I give them names of people I speak with. They tell me " well we are all over the country so I don't know ''. If I do get someone who can see my account they tell me that they see the lien has been paid off they have the lien release and oh you will get a letter in 24 hours. I still haven't gotten the letter. The account is closed, the lien has been paid. I had 90 days to get this letter and my time is running out. I have spent hours on the phone, written multiple letters and Bank of America will not help me.

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 2017-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CapitalOne continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt ( NOT A BILL STATEMENT ). This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a debit owed to XXXX XXXX XXXX  for unit # XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX under my name for the amount of {$1600.00}. 
Account opened XX/XX/2023 and is now past due as of XX/XX/2023. 
They have used my name, DOB, and social security for this. They also were able to unfreeze my credit with XXXX Credit bureau. 
I have not received any letters or communication regarding this inquiry because they falsified all their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: PR
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:
Since, XX/XX/2014, I have have this loan that is a fraudulent account. I have called several times but I do no speak good enough XXXX. 
I have been denied credit. I am a victim of identity theft. I have never had this loan. I have no idea who took out this loan. 
I have filed several Police Report with no solution. I am desperate I have spent years without being approved for a lollipop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: TX
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 5 unauthorized inquiries on my credit report. I have sent letters and even contacted Equifax directly. I explained to the representative that I had contacted the companies directly already and they all directed me back to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: DISCOVER BANK
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My HELOC with Discover Home Loans ( Loan # XXXX ) was on a deferment from XXXX - XX/XX/2020. I called servicer in XXXX to discuss repayment options. I was offered and verbally accepted a payment deferral ( letter attached ). I was to resume making my regular payment on XX/XX/XXXX, which i did ( made the payment the XXXX of XXXX XXXX. However, I was reported late on my credit reports and am being assessed late fees. This is causing undue hardship as I am attempting to get a car for my commute to work. I have called the lender multiple times to address this issue, each representative i speak to has acknowledged that they need to fix my account and have escalated to the appropriate parties. Each time I call, nothing has been done to remediate this and the request has been sitting there for multiple weeks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: AL
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 sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
JP Morgan Chase Bank, N.A. advertised an offer on the internet to get {$150.00}, I believe, if I opened a savings account and kept the money in it for 90 days. I applied for the account XX/XX/21, I believe, with special offer included and twice did not receive confirmation of the inclusion of the special offer. I declined to follow up the laborious application process with a call to the company when i did, however, receive confirmation, XX/XX/21, I believe, of the opportunity to open the account if my application cleared ; I h0ped they would also honor the offer they had made. I question their honesty. It seems too convenient that my application would clear but the special offer would have some sort of unintended software problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Account information incorrect

Complaint:
Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as XXXX XXXX has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 accordane with the Fair Credit Reporting act. The account on this list below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s ( 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 crime 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 know or has reasonable cause to believe that the information is in 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 explanation
Consumer complaint received 2020-09-17
Company: Alliant Capital Management LLC
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone call from a person at Alliant Capital stating that i owe them money for a payday loan with XXXX XXXX. I never took out this loan, and then they started naming my relatives stating i used them as references and then threatened to have the police arrest me. I never has anything to do with XXXX XXXX or Alliant capital

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as XXXX XXXX has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage 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 2017-09-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX/Commenity bank has called my brother in law, and parents regarding the debt I owed. They told me I need a lawyer to represent me or pay the card in full {$3600.00}. When I said I could not do that they said I need to pay {$1000.00} to make the account current. This is completely embarrassing and they are calling multiple family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by NES and told I owe {$120000.00}. I agreed to settle the debt for {$22000.00}. This means they are forgiving {$120000.00}. I paid the agreed upon settlement. However, NES will not confirm my payment and that the debt is now settled. Nor will they send me a copy, as requested of my original promissory notes so that I can verify this 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 2020-07-23
Company: WELLS FARGO & COMPANY
State: NV
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:
When Covid hit my wife and I looked into mortgage payment deferral with Wells Fargo. She was temporary out of work. But we did not sign up for it! We continued making our payments and discovered we had Forbearance on our credit from Wells Fargo. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!! We have never been late or missed a payment!

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 2023-03-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Said my XXXX account was opened XX/XX/2020 and being reported as a closed collection account on my consumer report ( XXXX, Equifax, XXXX ) which I have know nothing about this account. Request to verify validation of the debt including names, address, original signed signature from signed contract of the person in question about the service. If can not be verified within 30 days at a reasonable timely manner, delete the account from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting repeated text message from this company by the name of TrueAccord. SMS style messages with a link, i reply stop and I get a message back saying i have opted out of sms messages. I have gotten this same message five times from five different numbers. This is obvious harassment.

Company response to consumer: Closed with explanation