BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: ALLY FINANCIAL INC.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have submitted the request previously. Ally Financial was the loan company that financed the truck I purchased back in XXXX. I was very ill during the purchase and basically had no recollection of the purchase. I brought the truck back to the dealership because I could not afford what they had financed me for. Apparently they financed me for almost {$70000.00}. The sticker price of the truck was only {$56000.00}. They paid off my XXXX XXXX for {$13000.00} and tacked that onto my loan, financed me at 17.9 % and didn't give me any money for the XXXX. They in turn sold it for almost {$21000.00}. I would never agree to this kind of financing and do not know how I could get it being on XXXX. I am now reporting Ally Financial as they have given me a poor credit rating.

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 2022-09-15
Company: First Advantage LNS Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its not my debt I have been a victim of Identity theft, who ever it is has even tried filing taxes in my name and IRS confirmed and vindicated it was not me this has been going on since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: REGIONS FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts REGIONS BANK XXXX XXXX  : {$6900.00}

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 2020-01-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Common Wealth Financial debt collection did not make any attempt to notify me by phone or mail that I had a debt in their office. With no notice made I was unable to verify or even given a attempt to make a payment if found it was a legit debt. This company just placed a collection debt on my good credit report. The debt in question is a medical bill from a medical service provider named XXXX  XXXX XXXX. XXXX. They are the holders of the original contract for service. This bill among others were included in a lawsuit and had a LOP in place or were negotiated and paid by the law firm representing the case per the signed contract of settlement supplied. As a patient that was unable to take care of himself, I was in a hospital after XXXX surgeries then moved to assisted living facilities and rehab centers for over a year. All mail send to my residence was forwarded to the law firm so they could handle all the bills as there was close to a XXXX dollars worth of them. This debt collection company has violated the law by not offering a opportunity for me to pay the debt or even made me aware of such debt, if it was a outstanding one. The amount this collections company has does not match the amount my lawyers had, shown in the forms after my medical insurance paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-06-21
Company: CAVALRY INVESTMENTS, LLC
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: Account status incorrect

Complaint:
Cavalry Portfolio is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting despite a few things. This debt was never validated to me nor did I ever receive a 30 day right to dispute notice. Secondly, the debt is past the statute of limitations in Idaho and past the credit reporting limit. This is a violation under the FCRA and it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
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:
The credit reporting agencies keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) Experian and XXXX said everything was complete and accurate and I asked them how if the balance is wrong? EXPERIAN is reporting a balance of {$3400.00} and XXXX is reporting a balance of {$3400.00}. 

Also, XXXX is reporting the account as open when it is a collection account. Collection accounts from debt buyers can not be open.

Then I asked them to provide me with a description of the investigation in accordance with 15 USC 1681i ( 7 ) and they never did. I have proof via the previous dispute that was filed through the CFPB to the credit reporting agency.

Also, according to 15 USC 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

This is violation after violation. This is causing me stress because I have no hope in this credit reporting system.

Failure to comply will force me to pursue actual damages against the credit reporting agencies. I have proof of these damages and will seek legal counsel if necessary.

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This account was suppose to be removed and still hasnt been removed on all credit bureaus as it is still showing on my credit report. Please see note below : On XX/XX/2021 XXXX received a notification from the credit bureaus stating this account was removed with control number 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 2023-03-31
Company: Experian Information Solutions Inc.
State: FL
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:
Back in XXXX of 2022 I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX. XXXX was successfully able to dispute and block the fraud account which is XXXX XXXX BUT Both Experian and XXXX still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2019 I submitted Identity Theft doc 's to the Experian Credit Bureau, asking them to block info of my credit file. They then sent a letter saying that the files on my credit report were verified. According to 609 of the fair credit reporting act. it says that before a credit bureau can report anything on your credit file, they need to have the original docs to verify.

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 2018-12-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
RE : Complaint XXXX about HSBC HSBC offers a  {$200.00} bonus to open an online checking account. I applied months ago and was declined. The ending questions were supposed to be about my credit, and none of the questions were about me or my lenders. I complained to CFPB. HSBC just replied this date, XX/XX/XXXX, saying they did nothing wrong. So I tried to apply again and was declined. This time I printed everything. Question 1 asks me if I  opened an account in XX/XX/XXXX from XXXX, XXXX XXXX, XXXX, or XXXX. No, I didn't. These are not my accounts. Question 2 asks me about XXXX XXXX ; yes, that's my account. Question 3 asks me about a mortgage I opened in XX/XX/XXXX, but that mortgage company, XXXX XXXX, is not listed in their multiple choice. Question 4 wants me to report the mortgage monthly payment, and my payment is higher. Question 5 says I closed an auto loan, but XXXX is not listed. I obviously will not be able to open this online checking account and receive the {$200.00} bonus because it expires in 2 days. Please see the printouts I've attached. HSBC says " Unfortunately, there were discrepancies in the information provided when compared to your credit report and the applications in question were declined. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am taking action against the US Department of Education for incorrect information reported to my credit report since XX/XX/2019. Despite several attempts to dispute this since then, I have yet to receive any resolution. This has caused me to suffer financially, as I have been denied credit, charged a higher interest rate, and prevented from buying a home. I have also attempted to dispute this with the three major credit bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have purchase a US {$15000.00} CD with US bank which matured on XX/XX/2001 and its automatically renew at maturity. I totally forget about this CD until recently I found the contract. 

I presented the contract I have on hand to US bank XXXX XXXX XXXX in XXXX where I set up the CD. US bank claimed they can not find record that long ago. 

They referred me to escheament department and that department said they wont be able to find records beyond 7 years. By law if US bank deem its an abandoned property, it should be sent to unclaimed property XXXX. I have search all the unclaimed property in XXXX and XXXX where we have live during this period of time, all turn out negative. 

This CD is automatically renew at maturity, US bank should still be holding it. 
if the CD has been claimed, I would have to surrender the original contract, i would not be holding the original contract on hand.

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 2023-12-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Yes, I'm not sure how you guys have found my database or whatever it is but i got a phone call from this number asking me to XXXX XXXX if i want to sign up for the credit card or whatever it may be. i don't want you guys to call me and this needs to be reported to the IRS and I work for the government and I don't want to give out too much information about who am I but i wont answer your phone call ... only by email. 

Your phone number that I was contacted by : 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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND OUT THAT THERE WAS SOME NEGATIVE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND NONE OF THEM BELONG TO ME. BECAUSE OF THIS ISSUE MY CREDIT IS NOT IN A GOOD STATE AND IT IS CAUSING ME A GREAT DEED OF STRESS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
CAPITOL ONE refused to provide information concerning identity theft credit fraud ignoring fact act disclosure laws. i provided police reports, notrized ftc reports proof of id letters from XXXX snd a copy of fact act law disclosure and letter requesting specific infotmation. i wrote and called i was given false addresses put on hold for two hours, i tried for three months i have had no response. 
capitol one credit card refuses to provide any information to help identify the fraud and the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX IS CAUSING ME PAIN AND SUFFERING REPORTING A DEBT THAT DOES NOT BELONG TO ME ON MY CREDIT REPORT. I HAVE NO CONNECTIONS WITH THIS COMPANY

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 2020-01-10
Company: EQUIFAX, 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:
Accounts with missed payments AUTO LOANS XXXX XXXX XXXX 3 Missed Payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I became the successor trustee of my mother 's checking account after she died this summer. There were many discrepancies with her Wells Fargo checking account, including forged checks written while she was in a XXXX   and after she died. I notified the bank about the problem, especially when the checking account became overdrawn after her death. 

Wells Fargo refused to prosecute over the forged charges, even though we have a strong suspect. Wells Fargo decided to close the account without notifying me, although I am the Successor Trustee and had changed the documents the bank gave me, so all correspondence would be sent to me. My XXXX Wells Fargo branch banker had assured me that all communication was to be directed to me because we had changed the information. However, on XX/XX/XXXX, there was a breach of confidentiality. Wells Fargo sent the statement to another person notifying them of the closing of this checking account. I never received the information, until my attorney asked for bank statements, and I went back to the branch and saw that the checking account was closed, with notification going to a person who had no authority to receive this notification. Because Wells Fargo did not give me the proper and legal communication, it cost me higher legal bills with my attorney as we are trying to settle my mother 's estate. 
I asked my local banker what could be done about this breach of confidentiality, and he just shrugged his shoulders and said, " Not much. '' I would like to see Wells Fargo take responsibility for not following through with my complaints about the forged checks and then rectify this violation of confidentiality.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: FL
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these changes. I asked the items be deleted to correct my credit report. I have reported the identity theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
in XXXX I was looking for a moving company to move my sister 's storages our of XXXX, Colorado to XXXX NC. I found XXXX XXXX and after speaking to XXXX who was their contact, he convinced me they would give us the best rates If we signed agreements ealy -move was not until XX/XX/XXXX. ) So I paid him deposits upfront and then just waited till few days before move when XXXX contacted me and asked for {$1500.00} more money and said it would be added toward total moving costs of {$5000.00}. So I paid then on day of move when my sister was at storage a truck shows up and says they are XXXXXXXX XXXX from New Jersey. And they demanded {$3200.00} or they would not load truck. Said they were not a part of XXXX and that they were just brokers. We were neve told this. I looked and saw dozens of complaints on their fraud on XXXX website and sent them to Citi dispute center. They just seemed to ignore what frauds this company is. I paid them thousands more yet only asked for part back. I am writing Attorney General of Florida- they should be shut down. The new moving company then demanded another {$3000.00} to deliver it so I spend {$10000.00} instead of {$5000.00}. Ask XXXX why we were not told who would be moving us. I could have gone to them directly and not paid XXXX {$3000.00} for nothing. They hold you XXXX because they have your money and its too late to cancel the day of move when you realize they are cons. The charge date was beginning of XXXX XXXX XXXX  for last {$1500.00}.

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