BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/XXXX : Purchased a car and got a loan through Ally Financial. 
First payment due : XX/XX/XXXX. First payment made : XX/XX/XXXX All payments due on XX/XX/XXXX of the month. All payments were made and credited well in advance of the XX/XX/XXXX of each month. 

XX/XX/XXXX : Contacted Ally Financial by mail. It was about my car loan 's finance charges fluctuating each month. I questioned why there was a range in finance charges from {$98.00} to {$230.00} in the first four months of my car loan with them. ( I have never been late. ) XX/XX/XXXX : Response from company was a print out of my payment history. 

XX/XX/XXXX : I contacted Ally Financial by mail again with the same question. 
No response as of yet. 

XX/XX/XXXX : I filed a consumer complaint form with the Ohio Attorney General 's Consumer Protection Section. Additionally, I mailed a copy of the complaint to Ally Financial. 
No response as of yet from either Ally or the Ohio Attorney General 's Consumer Protection Section. 

XX/XX/XXXX : I checked today on my payment history with Ally Financial and my finance charges for XX/XX/XXXX were an outrageous {$270.00} ( my cay payment is {$310.00} ). 

I have never been late. 
I have also tried to pay at different times to see if I could find a pattern none that I can determine. 
I find it unbelievable that Ally has never responded to my question about these finance charges fluctuating. 
I find it unbelievable that a company can charge me this amounts these fluctuations are well above any interest rate for my loan. I can not imagine that these finance charges are correct.

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 2021-10-05
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The CREDENCE RM ( Original Creditor : 11 XXXX XXXX ) account that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: NY
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have several accounts of student loans that are showing up on my account. These loans have been settled, refinanced, and or are currently in negotiation. This credit bureau refuses to report accurate information about my account and remove the accounts but continues to report false and inaccurate information. i have been fighting since XXXX with little or no changes The following accounts are in question XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Account # XXXX DeptedXXXX accont # XXXX XXXXXXXX  account # XXXX XXXX XXXX Account Number XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # 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 2022-02-28
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
SOFI advertised a {$500.00} bonus for loans funded by XX/XX/XXXX. I applied for and was approved and my loan was funded on XX/XX/XXXX. I called SOFI after a month and I was told I needed to submit a XXXX, and that was the only information missing to get the bonus. I submitted the form, and got no deposit of the XXXX. I called SOFI again in XXXX, a ticket was submitted, I followed-up on the ticket and I was told {$500.00} will be deposited on XX/XX/XXXX. I called on XXXX and I was told the ticket for my {$500.00} claim got denied due to this being a new loan account promotion. This is my 1st and only personal loan with SOFI, of which I should be eligible. I was told by 2 previous reps that I would have received the deposit. I received no email from SOFI regarding this denial. If this is a means to lure individuals into opening new account, I see it as a deception, and not a good practice. I need the {$500.00} deposited into my money account as specified by SOFI in their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a current victim that got their identity stolen through XXXX security breach that affected over 340 million people. I was applying for loans online. On XX/XX/17 One called me and I assumed it was because I applied to them and come to find out they found my info on the internet and offered a loan approval just have to verify checking account by them sending a TREASURY check to me and I needed to XXXX XXXX it back but XXXX XXXX was closed so bought {$850.00} XXXX cards with my debit card and pin to complete the transaction. On XX/XX/17 I looked on my online banking and saw that they did put that amount in and so swiped my credit card that Wells Fargo did not catch this security breach of my identity and allowed a card that technically had the amount in it by was not cashed yet. XXXX supports legal rights of the banking company to dispute all charged, fees, and loss of my personal money that was In their. Wells Fargo states it 's impossible for scammers to get my online banking login information, without me telling them! I have supported documents to prove that statement false by XXXX. I 've talked to many Wells Fargo reps, been in store with managers, made police report, made lawyer aware and still they refuse to budge. Stating that i did give the scammer my login information which is a accusation that is discriminating with no facts to support Wells Fargo Accusations. I had to call wells Fargo yo find out my account has been overreacted the amount that I saw was available. Also I did not know it was sent through my online banking because no alert was made and figured they wired it to my account, which is why I made sure the funds were in my checking that were authorized and to run my debit with pin knowing my card would n't go through if the check did n't because of having only {$200.00} in my checking at the time. They corrupted my credit score to retired and false work information that prevents me to get any other credit line since that 's what I needed in the beginning before I became more XXXX for lack of security attention.

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 2021-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was a victim of fraud. I was contacted by who I believed was chase bank with a text message asking if I had tried to schedule a transaction of {$3000.00}. That text message was followed by a phone call which phone number I believed to be chase bank ( I checked the phone number to see if it matched chases customer service ). The call said that there was someone trying to do a transaction of {$3000.00} with XXXX and also a transaction of several XXXX dollars in FL XXXX. I said that was not me and I did not authorize those payments. He assured me he would put a hold on my card and decline those charges. After that he put me on hold as he said he was contacting the team that works with fraud to report it. He asked me a series of questions and prompted me to change my name on my XXXX account to yes, my name. He then prompted me to erase my phone number off my XXXX and my email address which I did. Then he asked me to re add all this information which would give me a code to verify which I have to him. After all this changing of my name, email and phone number and re-adding. He asked me to XXXX myself the funds in my account to myself which was {$1400.00} because they were cancelling my debit which I would no longer have access to. So I did that and thought it would be transferred to my new account or something. He had me confirm my account was a at XXXX and told me Id receive a new card in the mail and Id have to sign for this new card and I should receive it in 2-3 business days. When I never received the card I thought it was strange. I called chase on XX/XX/XXXX asking where my new card was and the guy told me they never contacted me and that I was never issued a new card. At that point I asked that he connected me with the fraud department and I told them what had happened. The lady said it should be resolved and that I should get my funds back. The next day on XX/XX/XXXX I received the funds on a temporary basis while they investigated my claim. Fast forward XXXX and they send me a letter via my account and tell me my claim has been denied due to them saying it was authorized by me and that the funds will be taken out of my account after or on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One I am trying to pay my bill with my remitance coupon and they're going to tell me that they haven't received it yet and they have is it just I already went to the treasury wrote them and they told me they already sent it to him and it seems like they're not following the US code or UCC code and not trying to follow none of my codes of the codes that's written in a straw man if you could tell them to go ahead and add my amendments on there my payment on there and react my card back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
On XXXX @ XXXX Equifax just said nothing they can do to help me just gave me numbers and that was it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: ALLY FINANCIAL INC.
State: IL
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:
There are several unauthorized inquiries on my account that I have no knowledge of, these inquiries has been on my XXXX credit report since XX/XX/2021.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15, a creditor is not supposed to report any payment as late

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 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Telephone payment made via XXXX  Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX  to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

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 2021-10-05
Company: Select Financial Services, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted XXXX XXXX  to advise them I was affected by the Covid Pandemic and was told I would be able to suspend my payments under the Cares Act. They sold my mortgage immediately to XXXX XXXX - My acct number with them is XXXX Both on XX/XX/XXXX, XX/XX/XXXX and again today- i was given the run around. 
I contacted them also and was sent to the collection department. I emailed them at XXXX - SUBJECT LINE - NOTICE OF DISPUTE ERROR CORRECTION NEEDED ACCT XXXX XXXX XXXX In XXXX, XXXX and XXXX and XXXX - and again today- I notified my former mortgage company, XXXX XXXX  that I needed to suspend my mortgage payments under the COVID CARES ACT. Now I am getting letter of FORECLOSURE which after speaking several people I know that this cant be correct. PLEASE help me COVID has ruined my life and now you are trying to take my house when I was assured I could get relief under the CARES ACT. My employer was sold after XXXX and my income and life have been affected and I need help. 

I've call their Customer Service - ( XXXX ) XXXX I spoke with XXXX who advised me that he would get this addressed and again I have received a notice of foreclosure! 

My email address is XXXX My Home Address is - XXXX XXXX XXXX, XXXX MD XXXX My cellphone - XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: WI
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:
I just got off the phone with an Experian supervisor and CSR who told me there were no past disputes against XXXX or XXXX XXXX account which just boggles my mind since I have all the CASES I HAVE SUBMITTED ON THE CFPB! I initially called to ask how to read my dispute results that are coming from them. This guy said he had no idea. And now a XXXX XXXX XXXX account that has been closed for YEARS ending in XXXX is OPEN & CURRENT? XXXX? This company is incompetent and I have no idea what they're doing with these disputes I have filed as they show no record I ever submitted any! This guy told me a different department at Experian deals with CFPB complaints and that I can not talk to them. They have not provided any resolution to my complaints and now stating theres no record and an archived account is now active? PLEASE STOP CLOSING MY CASES UNLESS THERE IS A RESOLUTION PROVIDED!

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 2023-01-11
Company: National Credit Systems,Inc.
State: TX
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:
Ive been dealing with XXXX XXXX XXXX, identity abuse and abuse towards my credit report from XXXXXXXX XXXX XXXXXXXX XXXX 
As of, XX/XX/XXXX, Ive been going back and forth with the company via emails ( XXXX, XXXX ) and phone calls on several occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding my security deposit ( {$1100.00} ), in which has not been returned to date. I became a victim of XXXX  XXXX on XX/XX/XXXX and within XXXX XXXX  I was asked to vacate my dwelling due to the XXXX. Ive filed reports with XXXX  on XX/XX/XXXX on this matter, and the XXXX XXXX XXXX  on XX/XX/XXXX. The Property Manager XXXX responded to XXXX  on 3 different occasions and never stated a balance was owed ( which is false ), she advised the XXXX  that I couldnt receive my security deposit because the lease wasnt met ( my 1 year lease was met as of XX/XX/XXXX and I never signed a new one ). Then all of a sudden I get a Letter dated XX/XX/XXXX stating a debt is owed ( {$1200.00} ) to the apartments and threatening that my credit will be damaged. This Business has caused a great amount of stress in me and my children lives and still damaging my name by reporting inaccurate information on my report. The Attorney General has yet to follow up and Ive sent them follow up emails on XX/XX/XXXX and XX/XX/XXXX. I have all necessary documents and all will be attached below. Not once did the Business state a debt was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
credit Bureaus are inaccurately reporting my bankruptcy as dismissed. Bankruptcy was Discharged in XX/XX/2012, Credit Bureaus have said that the Bankruptcy court told them my case was dismissed. Bankruptcy Court told me they did not talk to the Credit Bureaus

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 2018-05-12
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX my wife received a call from the following phone number : XXXX. The woman on the phone identified herself as XXXX XXXX with Dynamic Recovery Solutions. She asked to speak to me, but called my wifes cell phone number. My wife asked what the call was in reference to and XXXX XXXX became frustrated, stated she would call back at another time, and proceeded to hang up. My wife called the number back and XXXX XXXX answered. She informed XXXX XXXX that she was my wife and wanted information regarding the previous phone call. XXXX XXXX stated that my wife needed to verify my current address or last 4-digits of my social security number, in order for her to provide any information. My wife did provide our current mailing address. XXXX XXXX stated the call was in reference to a {$10000.00} balance for an unpaid debt that I had supposedly incurred many years ago and had been settled, therefore a lawsuit would not be pursued. She then asked if my wife was ready to make a payment towards the balance or set up a reoccurring payment. My wife informed XXXX XXXX that she would need to send written verification regarding this matter. XXXX XXXX proceeded to inform my wife that her credit could also be in jeopardy, since we are married. My wife concluded the conversation by again telling XXXX XXXX that she would need to provide us with written verification. Upon checking my credit report, I see absolutely no reports for debt collection. Therefore, we believe this must be a scam or con-artist.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : 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 XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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