BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I obtained an auto loan back with ALLY FINANCIAL back on XX/XX/XXXX for XXXX. The car was involved in a hit and run back in XX/XX/XXXX. I informed them of the situation. When I spoke to one of their reps, after my car insurance paid off 97 percent of the loan, they told me I would not have to pay the remainder of the loan until XXXX but please be advised it would accumulate interest. When I received phone calls from them, I was informed that I was expected to continue to keep making regular payments because I didn't have gap insurance even though I was advised different. Ally Financial harrasses me Monday through Sunday with over 10 phone calls per day. They call after hours after XXXX XXXX Monday through Friday to harrass me as well even when I speak to them and tell them I am aware there is a balance on the account and I will take care of it as soon as I can. I do not return their calls anymore because if I do, I get even more harassment phone calls from them and more letters harrassing me with letters stating notice of intent to make negative report on mu credit in which they have now did. This is why I am coming forth to have them investigated so others can have record of their tactics. I am sure they got angry that they could not reach me so they decided to try and damage my credit. Thank you, 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 2018-04-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
cra violation with wells and much more ftc violation id theft overdraft fees and let someone compromise my account take money out without my knowledge ... .. 

obviously bank error and some kind of ID theft i'm not really sure too many activity that i can not 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 2022-08-10
Company: General Motors Financial Company, Inc.
State: GA
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 consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, GM FINANCIAL has violated my rights. Regarding alleged accounts # XXXX 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
I received XXXX response once again not addressing any of my concerns and never giving me any proof of the information I am requesting and entitled to by law! 

THIS IS NOT A DISPUT I'M AWARE XXXX  IS NO LONGER THE CREDITOR My account charged off due to nonpayment on XX/XX/XXXX.XXXX  sold my account to XXXX XXXX XXXX on XX/XX/XXXX. XXXX also responded to the disputes I filed with a letters dated XX/XX/XXXX, and XX/XX/XXXX. 
In every single letter I wrote I never disputed the fact XXXX was reporting innaccurate account status or sold/transfer status or ownership. The account charged off and sold was never been a dispute or the validity of such information. 

I have asked XXXX 10+ times what INFORMATION did XXXX use or steps taking by XXXX  to bring my account current from XX/XX/XXXX when I consumer closed the account without payment on that day never making any payment or arrangments on account since XX/XX/XXXX ( {$43.00} ) how then is XXXX reporting payments being made on a account when there was no payments actually being made the balance never decreased after XXXX reported these on time payments. Even after the account was charged off and sold XXXX report 15 additional payments made on account after sold at one time XXXX cerified the information they was reporting was accurate but XXXX was reporting my charged off account as a REPO I had to dispute that among other things XXXX was reporting inaccurate that in fact was not! 

So my question to XXXX I how did my account become current from XX/XX/XXXX when I consumer CLOSED WITHOUT PAYMENT, ALL THE WAY TILL XX/XX/XXXX WHEN ACCOUNT WAS FINALLY CHARGED OFF FOR NO PAYMENT? HOW!!! what method was used and documentation used for XXXX to make these changes to my account? 

I'M AWARE For any additional questions about ownership of my account, please contact XXXX XXXX XXXX at XXXX. 


AGAIN I AM NOT DISPUTING ACCOUNT STATUS ( CHARGED OFF ) OR THE ACCOUNT BEING SOLD ( XXXX  ) THAT IS FACTS I'M REQUESTING INFORMATION THAT XXXX USED INTERNALLY TO MAKE THESE CHANGES TO MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRUSTMARK CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Tried to remove the report from Trustmark bank because its been past XXXX yrs and they are not doing it

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I dont remember the date but {$810.00}. was taken from my account. 2 forged personal checks {$300.00}. Each. And over draft charges of {$210.00} dollars.

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 2019-01-29
Company: MIDFIRST BANK
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage loan was bought out by XXXX XXXX  prior to XXXX of XXXX from XXXX. XXXX XXXX  within a week of XXXX closing my loan, my credit score tanked by over 70 points. I waited and expected XXXX XXXX  to report my loan in good standing the following month, but this did NOT happen. With an abundance of caution, I mistakenly waited until early XXXX to verify one more time to see if my loan would be reflected in my XXXX credit score. Unfortunately, XXXX XXXX did not report my loan in good standing again. 

On XXXX XX/XX/XXXX I contacted XXXX XXXX  informing them of my concern and asking that they rectify the discrepancy. On XXXX XX/XX/XXXX I received a message from XXXX XXXX XXXX XXXX ( attached ) informing me that they will NOT take any action until early XX/XX/XXXX. I contacted XXXX XXXX  by phone on XXXX XX/XX/XXXX and after a length conversation with their " customer service '', they stated their policy of not reporting to credit bureaus for a period of 90 days is hard and fast and can not be changed. 

For personal reasons, I need a good credit score. XXXX XXXX  is unfairly preventing me from pursuing actions I need to take in my life because of their discriminatory policy of not reporting to credit bureaus in a timely manner. 

I did not ask for XXXX XXXX  to sell my mortgage to XXXX XXXX and I do NOT deserve to have a negative credit score/history as a result of this action. I expect XXXX XXXX   to rectify this reporting injustice and, necessarily on a case by case basis, report mortgages in good standing if so requested by the owner of the mortgage.

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 2021-08-20
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter to XXXX and Experian to remove a bankruptcy on my report that is inaccurate and does NOT belong to me. 

I even sent a letter supporting my case DIRECTLY from the courts stated that no record or case number has been found under my name. 

This request to have XXXX  and Experian to remove the inaccurate and unverifiable bankruptcy from my report. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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 mailed a debt validation letter to Bank of America ; Acct Disputes [ Account ending in XXXX, with a balance of {$6900.00} as of XX/XX/XXXX ] on XX/XX/2020 via certified mail. The letter was delivered on XX/XX/2020, at XXXX ( receipt attached ). Bank of America failed to provide me with the information I requested in my letter, and furthermore, failed to place my account 'In-Dispute ' status with the credit reporting agencies. 
On XX/XX/XXXX, Bank of America sent me a letter stating that my cased was closed and resolved, but the again on XX/XX/XXXX, I received and email stating that more time was needed to research my concerns, citing to hope to resolve this matter by XX/XX/XXXX. 
As of today, XX/XX/2020, Bank of America has not reported to any credit bureau agencies that my account was ever in-dispute, and they have not contacted me since their last email about this issue and/or sent me the documentation I initially requested in my debt validation letter.

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 2019-01-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
IQ DATA sent letter agreeing to remove fraudulent collection but is still reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX  that should not be reported.

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 2019-01-29
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Through numerous requests, I've followed the guidelines of the FCRA in requesting that Equifax fulfill their mission statement and report accounts with integrity. Equifax have failed to provide me with ANY documentation or physical proof of their methods of verification, even though I've requested them with numerous certified dispute letters. All of these letters were FCRA 609 ( a ) ( 1 ) ( A ) based, which means they were obligated to provide me with a tangible original signed consumer contract with my signature on it, showing that they've effectively investigated every account I've disputed. 

In addition, neither Equfax, the collection agency " XXXX XXXX '', or the original creditor " XXXX XXXX XXXX XXXX XXXX '' have responded since XX/XX/2015 with ANY documentation. When creditors and collection agencies don't respond to a FCRA 623 letter, I have no choice but to direct my dispute with the bureau. I'm NOT claiming identity theft, instead, I am demanding that this account be removed as it does not belong to me and I have no knowledge of it's origin! 

I have sent my non-response letters, therefore how are you verifying something that I absolutely can not get verified? The original creditor is not XXXX  accredited, they do not answer their phone, they have no website or email address, and XXXX says it's an entity of two employers, their company isn't even registered with the CFPB. Who are these people?! Nobody knows! And ultimately, I no longer care. What I do know is that Equifax have NOT verified this information and they need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mountain Land Collection has multiple accounts against me. They include personal medical information and are in violation of HIPAA by having such debt listed. This gives them access to my personal medical information that I did not sign to give them access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
i bought a third car / XXXX XXXX XXXX XXXX and various parties ruined my freedom with incriminating fact a conspiracy they hit my car wrecked it robbed businesses XXXX XXXX ruined my car all because XXXX was created by XXXX harassment news coverage for XXXX XXXX XXXX XXXX XXXX hired XXXX XXXX XXXX addicts to wreck my car block my Drivers license XXXX XXXX is blocked please investigate XXXX XXXX XXXX   ruined my job ability XXXX XXXX are placed to cheer up city works XXXX XXXX was sent by XXXX priest to block all jobs XXXX XXXX arrived from XXXX and XXXX where XXXX are used to defame parties most XXXX laugh in my face I went Bankruptcy Ch XXXX please read no lawyer will listen how I am jobless XXXX XXXX B XXXX / all camera are given to keep me jobless /

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called almost every day, sometimes multiple times a day by XXXX XXXX XXXX XXXX. They call me from at least 5 different numbers, and only sometimes leave a pre-recorded voicemail on my cell phone. I haven't received any kind on information from them regarding what the debt is, who its from, or any other kind of information. The consistent phone calls just one day started. I have just recently found out about writing a debt verification letter, and a cease and desist of communication, and will be sending out those letters asap. I have also just started not deleting my voicemails from this company as a proof of their harassment and persistence.

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 2018-02-25
Company: BARCLAYS BANK DELAWARE
State: KY
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 2 credit inquires unauthorized on XXXX credit report.

I was a victim of identity theft due to XXXX data hack.

XXXX refused to remove them told me to contact the bank to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE ASKED XXXX NOT TO SEND ME A PRE-MADE LETTER STATING THEY VERIFIED THIS BANKRUPTCY WHEN THEY DID NOT SO NOW I AM EXERCISING MY RIGHTS REQUESTING A METHOD OF VERIFICATION/VALIDATION TO THIS INVESTIGATION. I RECENTLY SENT THIS CERTIFIED ONLY TO GET THE SAME PRE-MADE RESPONSE. PLEASE READ THIS REQUEST INTEL AND SEND ALL OF THE INFORMATION THAT I AM REQUESTING FOR THIS METHOD OF VERIFICATION BELOW : RE : METHOD OF VERIFICATION XXXX  : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2019-01-29
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated the transfer of money to my home account in XXXX on XX/XX/2019 through Western Union via XXXX to my family account. The money transferred {$1100.00} went into Compliance check very next day and I submitted information asked by them. Later I got reply that this process will take up to 5 days, but even after 20 days I have not received any update on the same or any reply to my multiple messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, On XX/XX/XXXX and XX/XX/XXXX I made 2 deposits into a Chase Atm machine. At the time of the deposits, the bank was not open and I needed to exchange small bills for larger bills. For one transaction, I deposited {$900.00} in small bills ( {$20.00} bills ) in exchange for 9 hundred dollar bills. For the other transaction, I deposited {$400.00} in small bills ( {$20.00} bills ) and did a XXXX  online transfer from an outside account into my checking account for {$100.00}. After the {$100.00} online transfer and the {$400.00} deposit, I withdrew the {$500.00} in 5 hundred dollar bills. After checking my statement, it showed that I withdrew the {$900.00} and the {$500.00} but my statement is missing a deposit of {$500.00}. I contacted Chase and they did an investigation and temporarily provided me the {$500.00} they lost. After their investigation, they removed their {$500.00} and closed my case saying they did not find that deposit. Someone from this company took my money and I would like to open an investigation. 

Thank You.

Company response to consumer: Closed with monetary relief