BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: ALLY FINANCIAL INC.
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a vehicle through Ally Financial and a lease returned was done on XX/XX/2020. I received a letter from Ally Financial dated XX/XX/XXXX stating that the inspection was completed and there was an Excess Wear Charge of {$710.00} plus tax for a Windshield Crack greater than 1/2 '' diameter. Upon reviewing the inspection photos, I found that the starburst was in fact less than 1/2 '' in diameter which per the lease agreement should have been a non-chargeable item. I immediately reached out to customer service and advised them that I wanted to dispute this charge. I then received the final statement stating that the charge was still included in the final accounting. Upon contacting Ally Financial by phone, I was advised that although the windshield crack was smaller than 1/2 '' in diameter, because the vehicle is a " premium '' vehicle they still needed to charge in full for the windshield. This information is not listed anywhere in regards to returning the vehicle and seems to be a ploy to take advantage of consumers. The vehicle was said to be already sold which would have been in lightening speed, a matter of 1-2 days which means that I was not even allowed to utilize my comprehensive insurance coverage for the damage which would have only been a {$50.00} deductible. I am an XXXX XXXX military XXXX and my wife is currently affected by the Covid-19 pandemic and this has caused an extreme and unnecessary hardship on my family.

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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602. A. Clearly states that 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have been trying to get a resolution with the lender and we keep going back in forth with mixed updated. When I call they advise my file was under review but they later advised that it was removed due to missing documents. 

I am just getting the run around when i am trying to save my home. They even advised me to file a complaint and don't care about their customers Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: American Student Assistance
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
" AMERICAN STUDENT ASSISTANCE " HAS A {$160000.00} STUDENT LOAN " DEBT '' reporting on these credit bureau incorrect information a debt that does not exist. This is causing injury, and hindering my life as a consumer. XXXX XXXX, and XXXX  credit bureaus, continue to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Chase Bank closed both of my credit cards, without notice, due to too many other new accounts opened. I called the bank and was told that there was nothing that could be done and the decision was final. I've never missed a payment, keep my balances low or at {$0.00}, and have had an account with them for four years ( one of my oldest cards ). All I want are my accounts reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The green tree servicing lawsuit amount was {$9500.00} for me but I received a check for {$53.00}. Why? When it is so hard to get Ditch, Green tree, XXXX XXXX to even issue a loan modification after the threats and humiliation from this company. Why only XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions 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:
Experian is rating me unfairly as a consumer. I have paid almost all my debt off and experienced identity theft. I have provided overwhelming evidence of this and they continue to dock me points because they claim that not enough is on my credit report. They claim my credit profile is too thin because I have paid all of my debt off, but I have been denied credit despite my exceptional history over 6 times this month alone while trying to purchase a vehicle for my family. They make me pre approved offers but since I do not want them, they decrease my credit a point or two at a time. Lenders have denied me credit and sent me documentation that states different than what my credit report reflects and even the score the lenders are reporting is inaccurate. I currently make over XXXX a year with no debt and I am unable to acquire credit and therefore purchase from our economy because of Experian. There is no credibility to their credit reporting. I have resolved issues with XXXX once all documentation was submitted and I was boosted over 90 points once it was resolved. This agency does not have the best interest of consumers and the economy in mind only their own and should not be able to make someone with my education and a contributor to society suffer without reason. Please allow me to provide documented proof and advocate for me to take action against them or encourage to report accurately and gauge consumers more fairly. If provided a representative I will provide overwhelming documentation against 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 2020-07-13
Company: Residential Bancorp
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, The reason for the complaint is because My spouse has passed   away, and XXXX XXXX XXXX is incorrectly reporting a credit card that belonged to my Ex Husband. My ex husband opened the account in XXXX, and we were married in XXXX. I was a authorized user for emergencies, but I never used the card and/or accrued any debt on this credit card. The card was reported lost/stolen XXXX. XXXX XXXX called my home asking for my Ex husband XXXX XXXX XXXX XXXX, and I explained that my husband had passed away. I attempted to get info on the account and they would not speak to me because I was not a card holder. The account is negatively impacting my credit and I have no way of fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was taken out of work on XXXX XXXX and requested financial assistance from Select Portfolio Servicing. I was approved for Principle and Interest Payments for up to 12 mos. I then set up automatic payments with XXXX XXXX to be taken out of my account each month. Apparently, there was some fraudulent activity that occurred and the bank froze my account. Once this was corrected payment from the bank went out. Unfortunately, it was not accepted and I was kicked out of the program. I offered to get a letter from the Branch Manager who would clarify the error made was on their behalf but it was declined by SPS. Due to my decrease in income I was unable to make the full payment until I was released back to work in XX/XX/XXXX. It was then that I was able to start making full payments again. I went to make my in XX/XX/XXXX and was told by the rep at SPS that they stopped taking all payments from me and demanded that I pay all the arrears ( {$30000.00} + ) in order to reinstate my mortgage. I have applied for assistance several times, especially because I am now furloughed from my job due to Covid 19 yet still have been continuously denied. I had no choice but to file Chapter XXXX in XX/XX/XXXX just to stop the foreclosure on my home. They are raising my interest rate on XX/XX/XXXX and the new payment is considerably higher and unaffordable due to being furloughed and not having my normal income. SPS is working with other homeowners in regards to payment assistance but refuse to help me for what I believe is due to the fact that I have equity in my home and they would make a substantial amount of money if they were able to obtain through foreclosure. Whats really upsetting about all this is I was a XXXX XXXX XXXX XXXX  back in XXXX when the market crashed and lost my job due to all the predatory lenders that were extending loans to unqualified people and the banks were given high bail outs. Now here I am needing financial assistance during a Nationwide Pandemic and I cant get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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 did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Rocket Mortgage, LLC
State: ID
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:
I was chatting to a motgage broker. when I told him what i did for a living, he told me he could not do a mortgage. he pulled my credit anyway without directly telling me he would do so. I want the inquiry removed. I did not authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was to participate in a research study conducted by XXXX XXXX. Prior to the research study I had to take a XXXX XXXX XXXX, health history questionnaire, and a XXXX XXXXXXXX to be screened for eligibility. I passed all requirements and asked XXXX XXXX and XXXX XXXX if i was eligible and was told I was. I was informed I would be scheduled for follow up appointments to start the study. My current insurance coverage did not cover the XXXX XXXX so i paid out of pocket on XX/XX/2019 in the amount of {$470.00}. 
I reached out to XXXX XXXX with my schedule to be scheduled and never received a callback/email from him or XXXX XXXX 's office. I would like a resolution to this and a refund because I was not provided services promised. When trying to dispute the transaction with Bank of America they replied that they would not be able to refund the money and would have to escalate the matter.

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I snet transunion a dispute letter in XX/XX/XXXX concerning two accounts -- -I have attached that letter. 
I didn't receive their response. 

So, in XX/XX/XXXX I sent them a letter asking for their response to the re-investigation -- -I have attached that letter. 
I did not hear from them. 

i have called their customer care number, XXXX many times only to be put on hold for a very long 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 explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX informs me that PNC has restricted my ability to link to a XXXX account. I do successfully have an account with XXXX 's parent company, XXXX. This is outrageously inconvenient and is preventing me from depositing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with the fair credit reporting act of these companies has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  FOR Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with the fair credit reporting act these companies have violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested my loan be placed in Forbearance because of financial/economic hardship due to Covid-19. I have called and made several attempts to request forbearance. TD Bank keeps telling me that I do not qualify for mortgage forbearance but they refuse to provide documentation or a letter acknowledging/refusing my request. I have called at least 6-7 times and every time I call, they transfer me, tell me that I can submit a RFA ( request for assistance ) or they tell me that TD Cares has to help me and I can never get through to anyone in that department. If I am able to get through I am being told the same story again and again that I have to complete the application for forbearance so that I can get the refusal letter. They have been telling me these same things each time for over a month. To no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach, XXXX Breach, and the XXXX market, I need these to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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:
I just couldnt get my money when I needed it the most

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 2023-04-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I noticed my account was recently closed with no explanation. I Make all my payments on time and been a valued customer for years.

Company response to consumer: Closed with non-monetary relief