BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/2013 we purchased a XXXX XXXX XXXX XXXX, financing through Ally Financial. We signed a contract for 72 months. Little did we know, the vehicle had major manufacture defects. At approximatly 120,000 miles we started to notice excessive oil consumption. We began monitoring our oil level daily and took it to a mechanic who then advised us that XXXX had used cheap piston rings in the 2.4L engines and that our piston rings had gone bad and that the oil consumption would get worse. As the oil consumption got worse we took it to yet another mechanic who said the same thing and advised us the only option was to replace the engine because of major scarring and damage inside the engine. We are a family with one income and a XXXX  who is XXXX and has XXXX twice a week, we did not have the money to replace the engine. After speaking to several XXXX dealerships we found that there was a memo from XXXX about the problems but it was not a recall and only covered up to a certain amount of miles, at this point our only option would be to continue to monitor the oil level as XXXX was not offering a solution. By 150,000 the oil consumption had gotten worse, consuming about 2 quarts of oil a week. The vehicle became less reliable, started to loss engine compression, and became harder and harder to start. We contacted Ally to find out why they had changed the terms of our loan, only for them to claim finance charges. We asked if they could rewrite our loan and explained to them the problems we where having with the vehicle and asked to maybe lower our payments so that we could save some money and have the vehicle fixed. They where not willing to help. At this point we had no choice but to find a more reliable vehicle so that our XXXX did not have to miss XXXX or XXXX visits. At this point we have been left with no other options and no where to turn. Ally repossessed the vehicle after 61 days of non payment and will not give us any information as to their intensions, they are going to end up forcing us into bankruptcy because of the changes in the terms of our loan and their unwillingness to rewrite our loan. With the fact that Ally is unwilling to help us and XXXX will not take responsibility for their defect, we feel that we have been wronged by both and have been left with having to make a decision that will affect our family badly, but at this point we have no choice.

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 2021-10-12
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: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Thank you for your help and assistance.

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 2017-07-10
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a claim with Conns Home Plus back in XX/XX/XXXX for my insurance to be kicked in due to me being unemployed. They stated if I made the payment of {$120.00} the insurance company would kick in and pay the rest. I did just that and I noticed in XX/XX/XXXX that my account was seriously delinquent. The insurance I purchased never kicked in to pick the payments. I had been battling this for over a year. They stated that they never received my documents but they received the payment. They agreed to settle the account at {$900.00} then went back on the agreement then wanted {$1300.00}. The insurance made 1 payment of {$120.00} on XX/XX/XXXX. However my account has shown delinquent since XX/XX/XXXX. Its still affecting my account and on XX/XX/XXXX almost 2 years from initially applying they illegally pulled my credit again without my consent to do so. They have told me numerous of times this account would be deleted off my credit report and cleared through their insurance. This has not happened and is ruining my life. I need help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Penn Credit Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, PENN CREDIT CORPORAT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXXENN CREDIT CORPORAT has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is a response per my last complaint filed via CFPB. When I was disputing this charge, all of my information provided was not sent to you to update your records. Second, this account seems to be involved in some type of " court '' appearance via XXXX County Clerk of Courts and it is being handled by " XXXX XXXX XXXX XXXX XXXX '' doing business as XXXX XXXX and retained by XXXX, XXXX. 

I am disputing this account through XXXX because the last payment on this account was given on XX/XX/XXXX in the amount of {$500.00}. Therefore, on XX/XX/XXXX, it will reach the 5 years per statute of limitations. I never came into agreement of validating this debt nor of any agreement on a payment arrangement. If this account is being handled directly via XXXX XXXX XXXX XXXX, then why are you reporting it on my report under XXXX? That is considered DUPLICATE debt. Hunter Warfield is NOT listed on the statement of claim which was filed. On XX/XX/XXXX, I never entered into any agreement and I am requesting proof of this allegation ( signature ). 

I suggest you contact whoever you are partnered with and find the means to get this resolved because I find it unprofessional that this account is being duplicated and being attempted to being served in addresses that I do not live in.

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 2017-07-10
Company: Experian Information Solutions 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:
Experian has verify as accurate accounts that have been sold and verify as accurate collections accounts that I have not received proper notification and validation.

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 2017-11-15
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX 2017 we started the process to refinance with our existing mortgage company, SunTrust. After four months and us providing every piece of paper asked for they still have not signed off on the loan and have given us no explanation as to why we are being denied. Our loan processor was great and really tried working with the underwriters and was a confused as we are about why we have n't been approved for a loan we more than qualify for. We have nothing in writing and everything we have been asked to return to them we have sent to them in a very timely manner.

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 2017-11-15
Company: DISCOVER BANK
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Discover Card called my workplace to ask if I was going to pay on time. I have already disclosed to them they are not allowed to call my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: Capital Management Services, LP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a phone call from " Capital Management Services '' on or about XXXX XXXX, XXXX. Kindly told the associate that I request no telephone contact and to please submit verification of the disputed debt in writing only. This was followed up with two written requests on XXXX XXXX AND XXXX XXXX, XXXX. Both letters stated the following in bold : " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me must be done in writing and sent to the address noted in this letter by XXXX. '' On XXXX XXXX, XXXX at XXXX XXXX I received yet another telephone call. The associate acknowledged the receipt of the letters but said there was no request to cease communication. I have retained copies of all communication and both make the request as clear as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is the second attempt I 've made to use XXXX XXXX and I can not get paid when I NEED my money because Wells Fargo continues to fail to update my balance this is really unfair and I am considering dropping them because of this. This is the second time I 've stated my complaint and still nothing has been done about it. XXXX XXXX app is showing a balance I had on my account earlier last week. As of right now it is showing {$240.00} when in actuallity only {$12.00} is available even on the Wells Fargo app my balance is incorrect ... such a disappointment. Please fix it this time.

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 2019-11-02
Company: BWW Law Group, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/XXXX I obtained line of credit from XXXX XXXX XXXX , XXXX, with amount of {$250000.00} with account number # XXXX. on XX/XX/XXXX XXXX XXXX XXXX breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia . 
on XX/XX/XXXX I filed chapter XXXX bankruptcy, and case converted to chapter XXXX unlawfully, and since trustee transfer all of my money from DIP account ( {$91000.00} ) to his account I was not able to pay XXXX XXXX XXXX LINE OF CREDIT since XX/XX/XXXX. 
and XXXX XXXX XXXX, XXXX close that account on XX/XX/XXXX. first third party debt collector BWW LAW GROUP LLC tried to collect # XXXX when they could not and find it was forclosure, then third party debt collector BWW LAW GROUP LLC try to collect same line of credit with different account number # XXXX ( amount of {$160000.00} XXXX XXXX XXXX, XXXX closed it on XX/XX/XXXX ) and under name of XXXX XXXX XXXX XXXX for amount of {$250000.00}. 
and after forclosure XXXX XXXX XXXX XXXX transfer account # XXXX to XXXX  XXXX XXXX, XXXX since both account is under one line of credit agreement and both closed and breached and passed statue of limitation. by forclosure and transferring it to debt collector XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX caused a lot of harm and damaged financially and mentally to I, and my family, I disputed BWW LAW GROUP LLC ( XXXX  XXXX, and XXXX XXXX ) complaint several time at least 11 times and they ignored me. third party debt collectors finally without any court hearing all hearsay and with different case laws that are not related to the case without any facts or evidence with deceptive action, got judgment against I, and my husband ( he is not party in alleged debt ), to foreclose my home stead property with a line of credit that was breached and passed statue of limitation. alleged case : XXXX at SUPERIOR COURT OF THE DISTRICT OF COLUMBIA, XXXX XXXX XXXX, XXXX XXXX XXXX esq XXXX XXXX esq BWW LAW GROUP , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX V XXXX XXXX XXXX, XXXX PLAINTIFF ( S )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern, I have noticed there has been some fraud activity on my account. The following hard inquiry requests I have never authorized and there was theft on my account back in XXXX which is known by all three credit agencies but for some reason it is still appearing on my report and a few new ones just same up this year. I will post the pictures of the inaccurate ones and ask for them to be removed as they were never approved/authorized by me. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Just want my credit score to be accurate. Any help will be truly appreciated thank you very much. I had contacted XXXX early in XXXX and nothing has been done when there customer service rep had said everything will be removed since they see I didn't authorize 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 2021-03-10
Company: TD BANK US HOLDING COMPANY
State: CA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX VA XXXX This above company calls me day and night about a bill they claim I owe. This is their suppose to be account that they claim they have on me. # XXXX Reference number : XXXX I emailed and told them they have the wrong person. 
The Person name they sent in the letter is : XXXX XXXX XXXX at my address. 
Never heard of the person, don't know who she is. 
They states it's a Capital One bank N.A. debt. 
They states on the letter that it has a XXXX  balance, yet they still keep calling me and not the person on the letter. I emailed them letting them know they have the wrong person. Yet they still call morning and evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Performant Financial Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX sent an account to XXXX XXXX for account I have no knowledge of incurring. I contacted them twice once on XXXX XXXX and a second time on XXXX XXXX to get information with regards to this debt, but they are unable to supply me with any information with regards to debt and has offered no resolution other than contact collection agency. This charge has been reported to credit report agencies, which in turn has affected my ability to get credit.

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 2017-11-14
Company: EQUIFAX, INC.
State: KY
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:
Sent out dispute letter XX/XX/XXXX.
Account not validated.
Called XX/XX/XXXX and XX/XX/XXXX. 
Customer service was unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
synchrony bank issued a pep boys account # ( XXXX ) AND XXXX, XXXX, AND XXXX ACCOUNT # XXXX, THESE 3 ACCOUNT HAVE THE SAME ACCOUNT NUMBER, PEP BOYS HAS A SINGLE ACCOUNT AS STATED ABOVE OPENED over a year ago, i never used the account. 
in XX/XX/2019 this year they closed my account due to non activity. they never sent a letter or message that unless i use the card they would close it. this i have never experienced with any creditor. i need my account reopened because i now need to purchase at pep boys 4 tires. the closure of this account has caused my credit score to drop 40 points causing damage to my credit file, they have done deceptive business practices by making me use the card and getting into debt, when im not needing to use the credit card. 

if they wouldve sent me a warning letter to close the account for none activity, i wouldve used it to avoid a closure of the account

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 2017-07-10
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTE : This complaint has been previously reported to the CFPB via case # XXXX. According to Supervisor XXXX XXXX - XXXX of the CFPB I am required to re-submit a " new '' complaint on the " new '' collection agency involved regarding this same initial fraudulent matter. <P/>Here 's what happened! On X/XX/16 a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this I contacted XXXX who investigated the same and verified that the contract employee had, in fact, fraudulently signed the aforesaid agreements in my name. XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services and I am still being billed for services and an early termination fee that I did not agree to receiving. Collection efforts are now being instituted against me by THE CBE GROUP, INC. - located at XXXX XXXX XXXX, XXXX, IA XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was totally familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she will be willing to verify this fact in writing if need be.

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 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to state that XXXX XXXX is verifying the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.

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 2021-10-12
Company: EQUIFAX, 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:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation