BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: ALLY FINANCIAL INC.
State: MI
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:
On XX/XX/XXXX I purchased a vehicle at XXXX XXXX XXXX ( Michigan ). As a part of the transaction, I traded in my XXXX XXXX truck. 

Since that date, I continue to receive invoices for the amount due to Ally Auto Financing. I have attempted to contact them many times and left voice mail messages to return my call to straighten this out. I never got a returned call. 

In XX/XX/XXXX, a repossession representative showed up to claim the vehicle. I explained that the vehicle was traded in during XX/XX/XXXX. 

Today, I received another invoice from Ally, so I called them again and finally talked to " XXXX '' who placed me on hold. When she returned, she informed me that I still owed over {$19000.00}, which was different from the amount of the statement which totaled {$2700.00} ( and unpaid balance of {$18000.00} ). I explained that her system had an error and that a check to pay off the remaining balance was handled by the dealership. 

In addition to clearing up this payment mess ( balance plus fees since XXXX XXXX ), I expect Ally Financial to clear up my credit report on all three credit bureau sites. 

Should this continue past XX/XX/XXXX I will contact my attorney and request that his fees also be paid by Ally Finanical.

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.

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 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed an inaccurate XXXX account with Trans-Union multiple times but they failed to investigate the dispute because of mismatching addresses. This caused many XXXX as I tried verifying my address multiple times to no avail. I decided to contact XXXX and they said they could n't find the account in their database. With that in mind, the XXXX representative named XXXX said that she will contact all XXXX credit bureaus to get the account removed. Today I ordered my Trans-union report and the inaccurate account is still reporting for more than a year ; since I started disputing the account. This is frustrating because XXXX and XXXX are not reporting this 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 2021-04-05
Company: Experian Information Solutions Inc.
State: FL
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 bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed 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 XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Midwest Recovery Systems
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX after receiving an alert regarding an account appearing in my XXXX credit file, I immediately contacted midwest recovery systems regarding a debt from a Mastercard claiming that owe {$670.00} I explained to the representative I never owned a mastercard and that I had been a victim of identity theft. I asked the rep whom did midwest recovery systems purchase the debt from which he insisted the debt was owned by a company named XXXX XXXX etc. In addition I informed the rep on the phone I never received any initial 5 day notice from the owner of the debt nor any correspondence regarding this debt which is another violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt for.a payday loan i was not aware of for XXXX thru XXXX  which was at some.point bout It.to.commecct by ad astra in ks. To.collect i in.attempt.s to get loan saw it.an.disputed it.but.was not.able.to.have it.removed as it is not.a.debt I.made. in attempts to get it off my credi t i called them Explained this an we agreed an.I recorded the call that if u paid it in.full XXXX that day which I did they would.completely remove it.from.my.credi t. Which was to.be done. Within 30 days. its now.gone Past that plus.have tried to.direct dispute it again an ad astra is.reporting.it.is.a.valid.debt and.is.not.removing.it.as.agreed from.my file..I have called them.an.they assure.it will fall off not.to.dispute it.an to just wait. I.do n't buy it. I.need this.taken.off.my.the bureaus as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-04
Company: CURO Intermediate Holdings
State: AL
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:
On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called XXXX XXXXXXXX XXXX XXXX who was servicing as a collection agency for Speedy Cash. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX 

Date reported : XX/XX/XXXX Original Creditor Name XXXX  XXXX XXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance DateXX/XX/XXXXAccount Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date FiledXX/XX/XXXX  Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX XXXX Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: LoanCare, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My mortgage loan got sold and the servicing moved to a different servicer ( LoanCare/XXXX XXXX XXXX XXXX on or around the first week of XX/XX/2020. During the process and before this was communicated to me I made a payment ( {$3300.00} due + {$720.00} of extra payment ) to the previous servicer that is yet to be transferred to the new servicer. 

Since XX/XX/2020 and up to today XXXX XXXX XXXX XXXX I have been receiving daily harassing calls requesting payment of the allegedly missed amount, even if I called them multiple times explaining the situation. After receiving a call yesterday the XXXX telling me that the issue will be solved and making my due + principal payment for the month of XXXX XXXX {$3300.00} due + {$720.00} extra principal ), I have received a letter today XXXX XX/XX/XXXX ) notifying me that they will be reporting that I am late to the credit agencies. All this on violation of the 60 days moratory for this actions during a servicing transfer. 

To make matters worse, the agents at XXXX told me that they could not do anything to stop the harassment unless a payment was made over the phone and even suggested illegal approaches as returning the payment I made to the previous services and make an additional payment to them instead.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : Self Act Name : Act Name : XXXX XXXX XXXXXXXX Act Name : XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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/2020 XXXX XXXX .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

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 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
I returned a gun safe to Costco and Capital One has not sent me a check for the credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: First Data Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have A XXXX money network exceeds card which are issued by XXXX XXXX XXXX and maintained by XXXX XXXX XXXX. On XX/XX/XXXX they charged me XXXX, on XX/XX/XXXX they charged me XXXX, and on XX/XX/XXXX they charged me XXXX  for an account maintenance fee which is unusual since I have had the account since XXXX and I have never been charged a maintenance fee. I have screen shots of all my account months to prove that I have never been charged a maintenance fee until XX/XX/XXXX until XX/XX/XXXX and all three amounts are different. The reason for me not having to pay an account maintenance fee was that I had at least a XXXX in direct deposit each month. I called the phone number on the back of the card XXXX XXXX an operator that barely spoke any english answered the call and said: That they do not have access to fix that and yes she sees that I had never been charged it before. So they even admit to screwing up and stealing it but she's sorry she doesn't know how to fix this problem and neither did her alleged supervisor. I would like XXXX XXXX to return my XXXX and stop stealing from me and then when confronted about it stop lying about it and saying they can't do anything about it, which they have done in the past. Sounds like to me XXXX XXXX is up to its old tricks again and needs investigated. I will copy this statement and forward it to the appropriate people like i did last time XXXX XXXX stole my identity to open illegal accounts guess they have not learned lol.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX account # # # # # # # XXXX has violated my rights Hard Inquiries 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 All account above have violate my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reached out to Transunion beginning XX/XX/2020 to dispute unverified and inaccurate information and accounts on my credit report, despite sending five dispute notices they still did not fix the inaccurate and unverified accounts on my credit report. I told them I would sue them ( which I am serious about if they do not correct the inaccurate and unverified accounts ) this got their attention which they asked for more documents. I sent them all the documents they had listed and requested but before they received the documents they stated they completed the investigation and everything was verified. I know this could not be true because they had not received what they asked for and they still said the documents were not correct. I highlighted the information they requested and resent it but before they got it again they said they completed the investigation and the information was verified. I asked the who verified the information which I am entitled to under section 611 ( a ) ( 7 ) per FCRA and no response.Transunion is refusing to perform a proper investigation per the FCRA which is a federal LAW. I have no choice but to file a lawsuit I just wanted to see if you can help before I file a lawsuit to exercise my right to a fair and proper investigation into unverified and inaccurate accounts on my credit report. I hope you can help! I have attached documents sent and received from Transunion

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 2023-08-20
Company: Experian Information Solutions Inc.
State: TN
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CarMax, Inc.
State: PA
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 do not any of the companies on my inquires I havent done any business with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: DigniFi
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 section 602 states " I have a right to privacy '' and this creditor has violated my Rights. I have a right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you promptly investigate the disputer items and remove them from my credit report if they are found to be incorrect or unverifiable. ( see ex 15 U.S.C. 1681 section 604A section 2 & 15 U.S.C 1666B & C ) in accordance with the ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I refinanced my VA loan with PHH and closed XX/XX/XXXX. It has been over two months and I still have not received my escrow refund. They claim they sent a check out on XX/XX/XXXX after waiting for weeks, I contacted PHH in XX/XX/XXXX and they indicated they would send a replacement check on XX/XX/XXXX, after three weeks and still no check, I contacted PHH again and they blamed the USPS for me not receiving the check. On XX/XX/XXXX PPH told me to wait and see if the check arrived over the weekend and they would give me a call Monday, XX/XX/XXXX, to followup. I did not receive a followup call so I contacted PHH again and they informed me a request had been made to expedite the issue but it would take 7-10 business days before they knew anything. They told me to just wait and they will get back to me. It has been over two months since I refinanced my loan and still not receipt of my escrow refund. Every time I call PHH they tell me they are working to resolve the issue and it will be another 7-10 business days before they or I know anything. As a consumer, I have been taken for a ride and it appears I have no recourse nor any type of consumer advocacy to resolve the issue. I fear I may never receive my escrow refund after repeatedly being told to wait 7-10 business days.

Company response to consumer: Closed with explanation