BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Ally Financial several times over the last 6 months and asked them to accurately report my account information to the credit bureaus. my credit reports reflect {$52000.00} balance and my actual balance is {$49000.00}. this has been going on for months. they are also reporting 30 missed/ late payments which is incorrect. I have only been late 1 time. Ally representatives keep telling me I have to wait 45 days for them to investigate it. it has been 6 months.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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 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 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 non-monetary relief
Consumer complaint received 2018-12-20
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: Was not notified of investigation status or results

Complaint:
I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease

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 2020-09-11
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My truck was repossessed. XX/XX/XXXX. In an attempt to pay and settle debt, I called XX/XX/XXXX and spoke to XXXX. At that time she offered me a settlement of {$3900.00} out of an balance of {$9000.00}. She said that they would not remove it from my credit but will update to a {$0.00} balance. At the end of the conversation XXXX XXXX I thought ) told me to call back when I had {$3000.00}. I told her it would take me a couple of months and I would call back. I call back XX/XX/XXXX and spoke to XXXX. XXXX said that the settlement amount was {$3900.00}. I was then transferred to about 4 different reps that kept telling me that the notes said {$3900.00}. I requested to speak to XXXX and sh said her notes said {$3900.00}. I asked for the recorded to be listened to and she hung up in my face. I called back and spoke to XXXX a supervisor and she listened to the call and stated to me that she HEARD ON THE RECORDING XXXX say {$3200.00}. asked not to be contacted by XXXX any longer because she hung up in my face. XXXX said she would sumbit a request for the {$3200.00} as a settlement and they would get back to me. XX/XX/XXXX XXXX called me ( after I requested her not to contact me XXXX and said the counter offer was {$3800.00}. I thought it was a joke and cant figure out why she was calling me after I specifically asked XXXX the supervisor not to have her call me. Also according to XXXX, there were also a few payments made over the account over the years which were not made by me. She was not able to tell me when the payments came from. This was a slick way of keeping this item on my account longer. Since a payment was " made '' it starts the 7 years over. I am a single mom of XXXX and due to XXXX, I haven't worked in months and since contacting them in XXXX, they are now reporting late payments each month on my credit which is hurting me. After reading all of the reviews on the XXXX and seeing how they lost their accreditation XX/XX/XXXX, I can see why they treat people any type of way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$1500.00} from XXXX XXXX  into the Chase account. Later that evening, I got a call from someone in an offshore call center. After some verfiication, she stated the transfer would not be processed, but refused to tell me why. Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$750.00} from XXXX XXXX into the Chase account. Later that afternoon, I got a call from the same number as the call above, but was inable to get to the phone in time to answer. No messages was left and an attempt to return the call was met with a dead end recording and no option to get to a live person Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

This type of action can not be tolerated. In all cases and valid reason MUST be stated and provided in writing upon request. A valid callback phone must be left to return the call and get to the person that placed it. 

There is a XXXX year unmarred history on this account, so these actions are not warranted. 

I have drawn my balance down to a minimum and will not redeposit any funds until I have a detailed reason as to why these transfers were not processed. From the dates and amounts provided above, Chase will have sufficient information to find the transaction numbers in question to prepare a detailed response.

Chase does not provide a direct way to contact people that take these actions. Customer service is an endless runaround of ineffectiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Im not sure why Bridgecrest would state in their cfpb complaint response that they sent me notice to seize my possessions for an alleged debt that I do not owe! They are not in my contract and its very clear that they have the wrong account information because the account number they have and the one on my contract is not the same which is deceiving and misleading. Threatening to seize ones property due to any form is nonpayment is not only a harassment, but its also very stressful and their tactics have caused me to have a XXXX and turmoil in my relationship. This alleged debt is also being reported to credit reporting agencies as a loan and nowhere does it say loan in any paperwork that I have. This company continues to lie directly to the CFPB, but refuses to provide proof. Stating that they sent me a letter about repocessing my vehicle that I use for family, and school is extortion and a direct violation of 18 usc 873. They stated they can't send me documents because of a cease and desist, but they continue to commit mail fraud and I just received yet another contract that they're not listed on and did not sign and its not the original contract along with a list of payments. Thats not all of the documents that I requested when I sent my cease and desist in XXXX of 2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX - Account # XXXX has violated 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 section 2. States a consumer reporting agency can not furnish an account without my written instructions.

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 2019-06-04
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT I contacted Midland Funding on after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name that I suffered from two XXXX   XXXX. She asked what they were I told her my illness are XXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to XXXX and read to me what the definition said. I told her that I wasn't able to work and I wasn't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did and she was of no help. The more I had to repeat my self over and over my XXXX  begin to flare up. I advised both of them that my health issue were not going to get any better. I also asked for Validation of this debt and never received anything. I have also asked for an Assignment of Debt and haven't received that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt of {$10000.00} has been posted on my credit report linked to a XXXX XXXX XXXX XXXX XXXX account. I worked for XXXX XXXX XXXX for 3 months in XXXX and had opened a charge card. I used it while employed there. Upon leaving the company I received a letter from XXXX asking if I would like to keep my account active. I accepted. I never used my card. My last statement dated XX/XX/XXXX to XX/XX/XXXX showed a XXXX balance and a credit limit of {$4000.00}. 
I have not received any statements from XXXX XXXX XXXX since then and had no knowledge of any activity on my account until a negative remark showed up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Equifax along with XXXX and XXXX regarding XXXX XXXX XXXX XXXX 's alleged " Serious Delinquency '' Back in early XXXX. I received a letter from them dated XX/XX/XXXX requesting I send to a different address of theirs a copy of my Social Security Card, Driver 's License, Deed of my House, Utility Bill, Pay Stub, or W-2, etc. alleging that they could not identify my file. Their letter reference : XXXX. My original letter included my SSN. 
I refused as this information is not necessary and was not requested by the other credit reporting agencies. 
I then sent another letter today including my refusal to a third address that they provided along with a copy of my letter refusing their request for copies of personal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
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:
Equifax did not update my address. My address is XXXX XXXX XXXX XXXX, TX XXXX please update this. On second note equifax has not corrected the identity theft on my report. There is XXXX XXXX bank line of credits that are fraudulent XXXX limit {$XXXX} and XXXX limit {$XXXX} and additionally a fraudulent XXXX line of credit with a {$XXXX} limit I have not opened any accounts at XXXX, nor XXXX a thief has opened these as a result of identity theft. Lastly there is two inquiries I did not authorize XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas please block these fraudulent inquiries and accounts opened by a thief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: LA
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'm writing this CFPB Complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of the contested accounts is provided below : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$95.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX/XXXX/XXXX, I went to XXXX. I requested my credit report from Equifax. After I entered all the relevant information, including answering detailed multiple choice questions ( which required XXXX minutes of research ), the system told me that Equifax was unable to give me my report online. I would have to send them a paper form in addition to copies of government documents by mail in order to get my credit report. I do n't believe this is the level of commitment to transparency that Equifax has signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
Upon reviewing a recent copy of my credit report from XXXX and XXXX, I noticed inquiries from Santander Consumer USA, that I did not give permission to make. From my knowledge, an inquiry on my report is not allowed unless I give written consent. I am not requesting, but demanding that you remove these unauthorized inquiries from my credit report. According to the Fair Credit Reporting Act, the only permissible reasons for pulling an individuals credit report are as follows : A. A Firm Offer of Credit B. Insurance purposes C. Employment D. Court Order The following inquiries were made in violation of the Fair Credit Reporting Act for the reasons mentioned in the previous paragraphs Santander Consumer USA 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm writing this CFPB Complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of the contested accounts is provided below : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$95.00}

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 non-monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 USC 1681. 


XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These entities have violated 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has 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 non-monetary relief
Consumer complaint received 2019-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
XXXX trans. Without my knowledge for {$200.00} on XX/XX/XXXX by a name n number from Georgia I dont use XXXX. 
I dont even know a XXXX XXXX XXXX  XXXX XXXX XXXX Bank of America i contacted. Filed a claim Today XX/XX/XXXX. They emailed me and denied my funds to return back. 

15 years loyal customer and they tell me im not entitled to my money. 
They robbing you. Its not right. 
Its the principle i see others had the same problem. Taking months which is 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 monetary relief
Consumer complaint received 2023-03-04
Company: U.S. BANCORP
State: CA
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:
Improper use of your report 15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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