BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We read on Ally Financial Bank Press release page dated XX/XX/XXXX that " New Auto customers will have the option to defer their first payment for 90 days. '' This is due to the Covid-19 crisis. There is no end date to this article or any exclusions to this article. We are new customers and upon request we were denied this by Ally Manager XXXX in Customer Service. This was today XX/XX/XXXX. This is in violation of UDAAP on so many levels and we want to report them as a company who is not abiding by their own practices and actions that they so publicly profess. This is deceiving, and false representation to mislead the public. The response from Ally Manager XXXX is we do not have a drop down so we can not offer this. We then asked if you have any documentation of this program ending because we have documentation by your company 's own website that this is still valid with no end date. Ally Manager XXXX says no we have no documentation. The CEO put in the same press release " At Ally, we recognize there has never been a more critical time to deliver on our promise to 'do it right ', and we are committed to supporting the people we serve safely and confidently through this crisis, '' said Ally Chief XXXX XXXX XXXX XXXX XXXX XXXX. What about now? 

https : 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 2021-08-19
Company: ALLY FINANCIAL 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:
TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...

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 2021-04-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX, 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 Section 2 : 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 2021-04-04
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was closed with CURRENT online banking. Due to unauthorized tranactions and account take over. I tired to report my card missing for several different type of times but waa still unsuccessful. They had no customers service live or automated service. Only contacted that was available is thru vis emails and its was even more difficult because no one returns emails. At XXXX. So by the time which was on XX/XX/2020 arizona unemployment deposited XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CITIZENS FINANCIAL GROUP, 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:
TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I was told at in store in XXXX that they would not automatically take it out of my account that i had a choice to come in and pay l. I asked them before they linked my card and they said yes maam we will not automatically have it tooken out of your card and today they called me telling me that they would take it out of my account tomorrow without my authorization. Without me saying yes which i found disrespectful. So now my account is going to be in a negative because they are taking out of my account instead of letting me pay them the date i said i could

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My BINANCE.US account has been locked disabled for more than a month and that is a long time with no explanation or response from a real person. No chat available and no phone listed. Just automated bots. I am still able to deposit funds for trading but I can not trade. I can not withdraw funds I can not sell positions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Halsted Financial Services, LLC.
State: CO
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 have perfect credit and credit monitoring and I do not have any collections nor have I ever had anything in my life go to collections. 

Starting on XX/XX/2018 I have received 15 phone calls I can document from the following phone numbers : XXXX, XXXX, XXXX. When I call those numbers back it, sometimes, connects me to Halstead Financial in IL. I contacted Halstead and told them to stop calling me as they have the wrong person. I spoke to a supervisor, XXXX and his manager XXXX. I did not get last names. XXXX gave me his number of XXXX but it does not connect. I filled out a request to stop calling me on their web-site as well. They continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Multiple inquiries are on my credit report that have been attempted to be removed as unauthorized. XXXX inquiries occurred during an extended fraud alert being placed on my credit report with transunion. Which holds transunion responsible, I 've attempted to get these removed by the companies and the creditor with no success. Just to be told that they are valid, when in fact they are not. I 've asked XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX for proof of the inquiries. such as drivers license, passport photo id, and any pertaining information to validate these inquiries. No such evidence has been provided and transunion has failed to validate these inquiries and remove them on mulitple instances. Please assist. 

Inquiries in dispute are XXXX  XXXX XXXX, which occurred during a security freeze on my credit profile, was unauthorized on XXXX/XXXX/XXXX. 
XXXX XXXX - on XXXX/XXXX/XXXX which was unauthorized. 
XXXX XXXX XXXX XXXX, Which was unauthorized on 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 2019-08-28
Company: EQUIFAX, INC.
State: NJ
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:
PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX  IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy And confidentiality under 15 USC 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 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 crimes which antedates the report by more than seven years. 

XXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-10-10
Company: BARCLAYS BANK DELAWARE
State: OK
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:
I paid in full on the account with Barclays Bank for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the Barclays rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force Barclays Bank to remove this negative information off of my XXXX  credit report and XXXX  credit reporting agency.  And the name that Barclays is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX XXXX XXXX  is 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 2021-08-19
Company: EQUIFAX, INC.
State: OH
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I ( mistakenly ) co-signed on a student loan for one of my sons over 15 years ago. That loan was picked up by " American Education Services '' ( AES ) in XXXX, PA. 

He stopped paying on that loan nearly 10 years ago ( due to medical and emotional problems ) and I have been paying on it since then. 

For the past 6 years my son has ceased all communication with me and others in our family. He has moved in and out of state and today I am not sure where he is and have no way to contact him. For the past 2 years I keep getting e-mails and letters from AES advising me that " the address and/or telephone number we have on file ... '' for my son " ... is incorrect. '' I have communicated to AES by e-mail, written letter, and phone call that I do not know my son 's contact info and do not expect to have that information again and to stop harassing me about this matter. They assure me that they will update the account so that I do not continue to receive these notices. THAT WAS A LIE as I continue to receive both e-mail and postal mail notices about this matter!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently checked my credit reports and it shows that I am in collections with a company by the name of XXXX XXXX XXXX which I believe is tide with XXXX XXXX. Reports state that the account was opened XX/XX/2017 and that I owe {$710.00}. I never opened an account with XXXX or XXXX XXXX XXXX. This account is not mine, this must be fraud. I have attempted to call but they can not find me in there systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out private student loans beginning in XX/XX/XXXX that came to total {$20000.00}. By the time I graduated and once my grade period had ended I began paying those student loans in XX/XX/XXXX. My monthly payments have been between $ XXXX- {$250.00} every month since then. Over the past 7 years Ive experienced financial hardships ( putting it lightly ) due to the high cost of living + my student loan debt. I attempted multiple times, begging and pleading to the point of tears, literally while on the phone with Navient, to please help me lower my payments. I asked if I could refinance By releasing my a co-signer and they said Yes, after making 24 consecutive payments. 24 months went by, payments made without missing a beat! I was so excited to call and have my co-signer released and my payments lowered after making so many payments! Heartbreakingly I was told that I did not qualify to have said so-signer released or my payments lowered due to my credit, which was actually GOOD at the time ( worth mentioning : my co-signer also had good credit ). Theres never any help other than deferring my loans or putting them into forbearance for a month or two at a time, which only makes the situation worse in the end because of more capitalized interest. I was late on payments some months, but not by much due to Navients borderline harassment phone calls collecting payment. I would be less than a week late and still receive calls multiple times a day, many Saturday afternoons and Sunday evenings. Ive tried so many time over the years to have my payments lowered, all to no avail. Theres never any valid or explained reason other than I just have the lowest payments available already. Heres the kicker- Ive made 72+ payments worth $ 230+ and I still owe {$17000.00} ... thats only {$2500.00} less than what I originally took the loan out for ... 7 years after consecutive payments!!! One interest rate is 11.25 % and the other is 6.25 %. Believe me, Id love to throw larger amounts of my measly paycheck at this balance every month, but HOW?! Im barely surviving as it is. Ive worked steadily 3-4 jobs at any given time over the last 4 years trying to make ends meet. Navient has done absolutely nothing to help me ... Theyve actually done the complete opposite and have seemingly deliberately made life more difficult for me. I dont know what to do any longer. I feel like Ill be paying these for the rest of my life with my incredibly high interest rates and lack of support from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Investigation took more than 30 days

Complaint:
I disputed a number of accounts with all three of the major bureaus in XXXX of this year. I requested a number of things to be corrected or deleted and I have still received nothing and it is now XXXX which is 4 months later. This is completely unacceptable and I will be attaching every letter that i sent as well as proof of delivery to each bureau as i sent my letters certified mail. Under the FCRA this is a major violation and I demand all items removed 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 2021-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM WRITING TO DISPUTE THE FOLLOWING INFORMATION THAT IS REPORTING ON MY XXXX CREDIT REPORT ON XX/XX/2021 I SENT XXXX PROOF OF POLICE REPORT AND IDENTITY THEFT REPORT ON XX/XX/2021 SHOWING THEM AND PROVEING TO THEM IM A VICTIM OF IDENTITY THEFT AND THEY ARE STILL REFUSING TO REMOVE THESE FRAUDULENT INQUIRIES I CANT EVEN LOCK MY CREDIT REPORT ONLINE TO STOP THESE FRAUDULENT INQUIRIES THREW THE XXXX WEBSITE OR ANY WEBSITE BECAUSE OF XXXX I CALL THEM AND TELL THEM ABOUT WHAT IS GOING ON AND ABOUT THESE FRAUDULENT INQUIRIES AND WHY I CANT EVEN LOCK MY CREDIT REPORT AND THEY TELL ME THERE IS NOTHING THEY CAN DO ABOUT IT I WANT ALL THESE INQUIRIES STOPPED BY LAW WITH PROOF OF POLICE REPORT AND IDENTITY THEFT REPORT THE ARE SUPPOSED TO REMOVE THESE FRAUDULENT INQUIRIES AND HELP ME LOCK MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I ordered a XXXX using my PayPal account. It was supposed to stretch my back. Instead, an order from XXXX arrived with a cheap piece of plastic that collapsed when I put my back on it. After trying to resolve the issue with the merchant, who did not provide a sufficient response, I turned to PayPal to dispute the charge, which I should be allowed to do for merchandise that was not received as advertised ( AKA a back stretcher that didn't collapse ). PayPal responded that for the {$34.00} purchase, they would require me to ship the item back to THE XXXX AT MY OWN COST, likely costing substantially more than the {$34.00} I paid for the item. This is unacceptable. PayPal advertises that it protects consumers but this is not protecting us. The case ID with PayPal is # XXXX.

Company response to consumer: Closed with explanation