BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Washington, DC XXXX  Ally Financial XXXX XXXX XXXX XXXX  MN XXXX  Re : Acct # XXXX  Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies.

During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report inXX/XX/XXXX.

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.

In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was XXXX XXXX XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XX/XX/XXXX.

As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees.

I provide this not to justify why the account was unpaid, but rather to show that the issue with ( Ally Financial ) is not a good indicator of my actual credit worthiness. I hope that ( Ally Financial ) is willing to work with me on erasing this mark from my credit reports.

I would like to stress the fact the information currently being reported is accurate. I am simply asking ( Ally Financial ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Regards, Your Signature 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 2021-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX I opened a checking account with the Bonus 400 promotion through capital one. 

The requirements were to " Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' two deposits went into my account XX/XX/XXXX, by ACH from an outside banking institution ( XXXXXXXX XXXX ), in the sums of {$400.00} and {$600.00}. 

Per their promotional offers, the bonus should have been deposited in a sum of {$400.00} to my account by XX/XX/XXXX. 

on XX/XX/XXXX I called and first was told that my bonus deposit was ineligible because of a mobile banking transaction, then when speaking with a supervisor I was told it was ineligible because it was initiated online. 

Neither stipulations were spelled out or excluded on the bonus page rules, and I followed all requirements to qualify for the bonus yet they still refuse to pay it. 

spoke with employee " XXXX '' on # XXXX who refused to honor the deposit bonus and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I wanted to buy a puppy the website XXXX  ... i found a XXXX puppy i like the owner said i need to give a refundable deposit of XXXX $ to reserve the puppy, the cost of the puppy was XXXX XXXX Since this is my frist time buying a puppy i did not better. I send hik the money through XXXX to the email XXXX To XXXX XXXX and his name is XXXX XXXX. On XXXX XXXX. On XX/XX/2021, i decided i do not want the puppy and asked for the deposit back. When i did, he disappeared on me. I tried contacting the website XXXX XXXXXXXX they do not respond and the email they have keeps bouncing back. The persons email is XXXX .and the address he provided is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX United States So please let me know if you can help Me get my money back. 

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 2021-04-02
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Allyauto does not report monthly payments to a credit report company. The last payment reported was in XX/XX/2020. I called Ally to ask why it is not reported and did not get any clear explanations.

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 2021-09-01
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:
after reviewing my credit report I sent a dispute letter to Transunion, XXXX  and XXXX  on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX  XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX  XXXX XXXX  XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.

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 2019-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Contacted by a scammer to deposit a cashiers check in my account and part of the funds needed to be transferred back to them. On XX/XX/27, check was deposited into my Bank of America account. And money being sent through XXXX and going out of my account until I found out yesterday ( XXXX ). The check got on hold with the bank. There were XXXX different XXXX transfer transactions from my account. The funds are now out of my account but the money was already sent. Also, I didnt do all this, someone else did. The bank refuses to give me a refund for this, even though similar issues have occurred and banks such as XXXX XXXX have given courtesy refunds to their clients who used the same service, 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 monetary relief
Consumer complaint received 2021-04-02
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:
I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to XXXX, Equifax & XXXX and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7.XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
The late remarks are all over the place making this inconsistent.

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 2018-07-23
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I send a letter via Certified Mail to XXXX XXXX XXXX to validate the debt they are claiming that I owe of {$310.00}. The original creditor is XXXX XXXX. I have no knowledge of being acquainted with XXXX XXXX or XXXX XXXX. I specifically asked for any signed agreements made by myself and XXXX XXXX or XXXX XXXX stating that I have an obligation to pay them for the alleged debt. They were unable to provide validation of the debt but they have not closed/deleted this from my credit report.

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 2018-04-10
Company: EQUIFAX, INC.
State: WI
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:
In XX/XX/XXXX I created a dispute through Equifax and XXXX  in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. 
Being that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my Equifax report. The letter came back as a " return to sender '' -invalid address in XX/XX/XXXX. 

We would like this public record removed from my Equifax and XXXX report due to the error and lack of validity and errors when Equifaxand XXXX investigated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I just downloaded a copy of my credit report as reported by Transunion. I discovered that I have a victim of Transunion credit breach and their inquiry errors breach. Therefore, I have called Transunion earlier today, after noticing that I have been a victim of having the inquiries on my files, which are not mine. I just called at XXXX XXXX CST and was on the phone with the customer services representative for 20 minutes. Even after my explanation that I have not conducted business with the companies, whose inquiries are appearing on my credit file. She instead instructed me to get hold of these companies, myself at the contact info. provided in the credit file. There are 15 inquiries, not made by me. She instructed me to get hold of these companies on my own and get a letter of deletion from them. Despite my request and affirmation that I have not authorized these inquiries nor have conducted the business with these companies. She refused to help and stated that it the company policy to not remove these inquiries, even it might be Transunion fault, Transunion computer breach or someone's fraudulent attempt to obtain the credit under my name.

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 2019-02-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Our law office has called Wells Fargo on numerous occasions trying to verify the debt and make payment ; however, every time we are transferred to multiple departments were no one can or will speak to us on the account. Wells Fargo claims we have not sent in a power of attorney ; however, we have sent in multiple powers of attorneys via mail, fax, and email. Each time we speak to the company they give us a new number to fax it to or different parameters for the contents of the power of attorney. This finally escalated into our firm opening two cases with the Office of the President. After working with their investigator, Mr. XXXX, it was determined that Wells Fargo did, in fact, receive the power of attorney [ on multiple occasions ] and it had not been processed. Mr. XXXX then gave us a number to contact to make payment. Once we called the number, the employees in the department once again refused to speak to us citing a lack of power of attorney. Once again, we were transferred to the Office of the President. We spoke to an employee named XXXX ( employee ID number XXXX ), who was adversarial and condescending. XXXX begrudgingly transferred us to a manager. The Manager, XXXX employee ID XXXX, stated that we were calling the wrong department and transferred us. Once again, this led back to a transfer to the Office of the President.

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 2018-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 have a credit card with Bank of America. On XX/XX/2018, I identified two transactions that were fraudulent, both transacted through XXXX. Bank of America immediately removed them from my account. On XX/XX/XXXX, Bank of America sent me a letter, indicating that they have decided the one transaction ( XX/XX/2018, XXXX XXXX XXXX NJ, {$940.00} ), is NOT fraud, and put it back on my account. 

I spent at least 12 hours on the phone ( mostly on hold ) with Bank of America, and got extremely little transparency of how they made that decision. I ended up calling the vendor, who was very forthcoming and gave me the tracking info ( it  was a camera ). The tracking info shows that whoever committed the fraud has my address and had asked for it to be shipped to my address, but in talking to XXXX, the delivery was diverted to a XXXX center ( instead of my house ). It was picked up on XX/XX/XXXX, around XXXX, in my name. This is impossible -- I faxed documents to Bank of America ( fraud fax number that was provided to me on one of my long calls ) that show I was on an airplane, flying for work to XXXX, at that time. I have both the invoice for that flight and the crediting of the flight to my mileage account ( which only happens once you have physically flown on the flight ). 

There is no way I could have picked it up. We, regrettably, do not even own a camera, and I did not place this order. 

I asked Bank of America, in that fax, to please confirm receipt of the flight information, which I have not received, and could not confirm after spending another 30 min on hold. At this point I am turning to you for assistance. I appreciate the help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XX/XX/2021 I contacted XXXX to remove inaccurate address on my credit report.The information is still on my credit report

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 2019-02-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Santander USA repossessed my car after I told them that it was inspected by FEMA for possible damages reimbursement from hurricane Harvey. They then proceeded to place XXXX in collections on my credit report and continuously lied to credit bureau dispute investigators. They finally removed it from my XXXX  and XXXX however it's still on my XXXX   report. This company repossessed my car after me telling them that I was engaged in a racial descrimination lawsuit against a previous employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Resurgent Capital Services L.P.
State: MS
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:
LVNV Funding is a debt collection reporting on my credit. I disputed this information because the debt does not belong to me. Company has failed to validate debt. I attempted to call the company multiple times at the number XXXX and they are asking for personal information saying I won a gift card. It appears to be a scam and thru are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In late XXXX, 2020, I paid the remaining balance of the medicredit bill off. They advised it would take 30 days to reflect. I called today and because I noticed it was never updated on XXXX XXXX and a representative advise they have it notated as paid in full and the rest would be handled else where. I would like this to properly reflect on my credit report and show in a paid in full status.

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 2019-02-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I was charged {$62.00} for a recurring payment, which I had called the company and told them to cancel my service Since I did not have that much in the account I was charged {$34.00} by the bank. I noticed that the charge had been attempted 3 times, it was on the third time that they had paid it and applied the fee. If there wasn't enough money in the account why did they go ahead and pay the charge? Then charge me a fee? They did it again on XX/XX/XXXX for a charge of {$5.00}. And again on XX/XX/XXXX. They did not pay the {$5.00} charge but charged me {$68.00} for {$5.00}! Then they went into my other XXXX accounts and took out {$20.00} from my savings account on XX/XX/XXXX and {$140.00} from my Liquid account on XX/XX/XXXX to cover their fees. I called twice to get this resolved and was hung up on. I did find out that when I opened the other accounts I agreed to have money recovered out of my other accounts, NO I did not! If I had known that I would have closed them all. And now I was charged another {$34.00} fee for a {$10.00} charge on XX/XX/XXXX. So my account is now - {$43.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10
Company: TD BANK US HOLDING COMPANY
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX  was chosen by XXXX XXXX  to finance the car. XXXX XXXX committed fraud on some things, but that's another issue. Car was purchased in XX/XX/XXXX, ai believe.

In XX/XX/XXXX, the car was totalled by hail. It had comprehensive insurance and also gap insurance. XXXX continued taking payments of XXXX automatically from my account, finally stopping only when I paid XXXX to stop paymenta. XXXX removed 3 payments after the car was totalled.. They then received full pay off by XXXX XXXX and my GAP insurance. For the value of the loan on the day of the storm loss.

I have made multiple contacts and get a different story everytime. No one will account for where my money is or get me my refund.

Company response to consumer: Closed with monetary relief