BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-14
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a XXXX XXXX XXXX from Ally Financial, XXXX, MN on XX/XX/2014. My Account XXXX is XXXX. The lease was for 36 months and included XXXX extra miles per year which I paid for at {$.00} per mile, captured in my monthly lease cost. Agreement was any unused extra miles would be refunded to me at the end of the lease. The vehicle was recently turned in with XXXX miles on it, XXXX miles under what I had paid for. I am due a refund of {$1500.00} from Ally. When I contacted Ally one week ago, I was told, no, no refund was due because the vehicle was turned in early, which violated the lease. I said no, the lease was paid in full to the term of the lease ( the dealer I leased a new vehicle from paid the last months lease ), I simply gave them the vehicle back early, which should be considered a plus, as the vehicle is worth more to them. The vehicle is already sold, per the statement from Ally. Ally refuses to bend - they say the only way the refund would be paid is if the vehicle had been turned in on the exact day the lease ends, which seems utterly ridiculous and fully intended to allow Ally to avoid paying anything back to customers. Overall, I paid this lease in full, never missing any payments, paying early in all cases and Ally is saying a clause in the fine print allows them to not pay back what is due to me. Unfortunately, I have another ( new ) Ally lease now, which was finalized before i realized they wanted to refuse payment.

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 2017-04-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from  XXXX   XXXX  and was set up with financing through  Credit Acceptance. I   was told I was getting financed on {$18000.00}. If I go through full term of the loan I will be paying them over  XXXX  for a vehicle that is only valued through   XXXX  . at {$8400.00}. Now when I try to refinance the vehicle I am getting denied due to the loan amount exceeding the value of the vehicle. This is not right for a business to do to somebody who is already low income and struggling to keep his family a float.

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 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a continuation of complaint number XXXX and XXXX. In XXXX of 2021 I received a check from my insurance copmany and deposited it into my bank account with Capital One. A few days later they contacted me and told me they were going to hold the funds for 30 days. I waited until after the 30 days and contacted them again and they said now they had new requirements to release the funds they would need a hold harmless in order to release the funds. I have been back and forth with XXXX and Capital one several times trying to get this resolved. After the last complaint I was given a number to call to speak with someone directly but have left multiple messages at that number and recieved only one call back ( I did miss that call ). After pleading with insurance company they finally provided me with a Hold Harmless letter which I am including in the complaint. Obviously I'm very frustrated at this point, I have tried calling the bank to ask where to send this letter but get put on hold for very long times and end up having to end the call because I can not wait on hold for 45 mins +. This seems to be the only venue where I get responses to my issues. I did get someone on the phone today who provided an e-mail to send the letter to and while they were very professional they could not provide me with a timeframe or a number to call to check on the progress of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX Acct # XXXXhas 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

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please be advised I have disputed these items on my report multiple times no one has sent me verifying items for these items on my report and it has been more then thirty days please investigate these matters immediately and remove off my report I have not receive any documents within thirty days and thats against fcra policy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
For the third time now, my relia card has had my funds frozen, and am not able to do anything with my money. From XXXX XXXX, the card was locked, even tho they stil accepted my funds they where only frozen from me being able to use them at all. My ID, tax papers and social security card where requested, I faxed and uploaded them. Again on XX/XX/XXXX to the XXXX, my card was once again locked, only from me being able to do anything with my money, again, they still accepted my money on the card. I again spent murmurous hours on the phone, told something different by every person I talked to, I filed several complaints with the better business burrow and even recieved a letter stating sorry for the inconvenience and I should be able to access my funds. On XX/XX/XXXX, I had to do an identity verification with my ID and a selfie, I recieved a text unlocking my account, and hours later it was again locked! This is crazy and rediculous! I have proven I am who the card is issued to! I have a new account at XXXX for my benefits every week, I really just want to transfer the remaining XXXX XXXX left on the usbank relia card transferred to my XXXX account! My ID is expired, In the state of Ohio we are in a state of emergency, and My ID is acceptable till XX/XX/2020. I would like to get a new ID its kinda hard with my funds being held from me! I have sent in my photo ID, it is the exact same ID I just used in XXXX to get my unemployed claim, if the state of Ohio can accept it, and relia card has on XXXX different occasions, it should be able to be used! I was never asked for a copy of my ID befor I got the card and befor they started taking my money! Why is it that they can atilll accept my money only to hold it from me in my Time if need!! Please help 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 2017-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I sent Experian several police reports as well as a legal settlement agreement between myself and   XXXX   XXXX   stating that all  XXXX  accounts must be removed from my credit file. The information was removed and now it has been re-reported/re-inserted. Additionally, there are more fraudulent inquiries on my credit report when Experian knows someone is using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am currently looking over my credit report on XX/XX/2020. I noticed that credit cards of mine are missing from my credit report file. XXXX  seems to show them but for some reason 2 XXXX XXXX  and 2 XXXX 's cards doesn't show on XXXX  and experian. I called XXXX and XXXX 's both said they reported to all reporting credit agencies. I will show you the attachments the difference between XXXX  and XXXX  and you guys can see the 3 cards that are missing. Hopefully this can be resolved as soon as possible. Thank you.

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 2021-12-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please be advised I have disputed these items on my report multiple times no one has sent me verifying items for these items on my report and it has been more then thirty days please investigate these matters immediately and remove off my report I have not receive any documents within thirty days and thats against fcra policy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$300.00} from QC Financial and they charged me 500 per cent interest making the total loan {$690.00} over a 6 month period at {$110.00} per month. I want investigation into QC Financial charging such Usuary Rates of Interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2022 at XXXX XXXX I've received a email from Goldman Sachs stating I was denied for the XXXX card by Marcus due to them being unable to verify my identity. I called Godman Sachs and the customer service representative wasn't able to help me verify my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " we're unable to verify your identity '' .This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The XXXX XXXX added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company has made a number of errors on my credit report that need your attention immediately.

THEY HAVE RE-AGED BOTH OF MY XXXX  ACCOUNTS! THIS IS A VIOLATION OF MY REPORTING RIGHTS!

XXXX  Account Number:XXXX You are reporting this account as CHARGED OFF/COLLECTION but there is balance reported. It cant be both.YOU ALSO REPORT THE DATE OF LAST ACTIVITY IS XX/XX/XXXX BUT THE ACTUAL DATE IS IN XX/XX/XXXX. NOT POSSIBLE.

XXXX  Account Number:XXXXYou are reporting this account as Derogatory but there are 0 late payments and XXXX past due amount. YOU ALSO REPORT THE DATE OF LAST ACTIVITY IS XX/XX/XXXX BUT THE ACTUAL DATE IS IN XX/XX/XXXX. NOT POSSIBLE.

They said they verified this information but that is not true because this 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 2021-12-15
Company: Experian Information Solutions Inc.
State: LA
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've submitted the report to Experian, XXXX, and XXXX. I've also submitted a complaint to the Louisiana attorney general ( consumer Complaints ), CFPB, and will also file against the XXXX XXXX XXXX as well. The company is affecting my ability to obtain credit by reporting false information to the credit bureau I have filed reports several times with several different people informing them that this information is false I did not have an account with XXXX XXXX. Whoever is using my information this is why I keep a block on my account unless I need to personally use my credit which is a shame. I am on the verge of filing a law suit against the companies as this is causing me XXXX XXXX, money, and personal time. Please remove 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 non-monetary relief
Consumer complaint received 2017-04-19
Company: Netspend Corporation
State: NH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a card from BRINKS which I never wanted or applied for. They have all my information on it and a number to call to " activate '' and another number on the paperwork to " OPT OUT '' calling the number to OPT OUT I was told to call another number, when calling the other number was told to call that other number completing the RUN A ROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CarMax, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Got a loan from  CarMax Auto Finance,  car was repossessed, they sold car and now asking for me to repay the amount they lossed on resale The repossession of the car was their choice and their way of dealing with late payments. They never released any information to me as to how much they are selling it for and if I still wanted the vehicle. They took it and sold it for a value they wanted to accept ( I did n't sell it for the m ). Anyhow, my credit is getting dinged up every month with CarMax inquiries because of the vlaue they loss ed on the sale they made. This is a scam in my book. The dings really have nothing to do with car, they are trying to make me make payments for the value they did n't get back when they sold it which is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've disputed this alleged debt this year and last year and it was proven that this alleged debt isn't mine. For some reason this debt keep coming on my report in a portfolio of debt that has been bought. I'm tired of proving my innocence that this debt doesn't belong to me, I'm tired of being taken advantage of. I've seeked counsel to help me with this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm willing to call off my attorney if alleged debt is deleted from my report from all reporting bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015with a credit limit of {$370.00} -This is not my 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 2019-12-22
Company: ONEMAIN FINANCE CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2019 I applied for a personal loan and was approved for XXXX pending verification. I provided all necessary verification and met all the requirement of the company. However when the lady processing the loan she processed it as an auto purchase loan and only upriver for that amount. I did not ask for the loan to purchase the vehicle I asked for a personal loan and used a vehicle to secure it. Florida having electronic titles means all I have to do is file the lien application for them and it has my tag number on that so it made it proof of registration as they requested they would have made me pay to file the lien anyways before they gave me the loan so I just saved my self one step. However I XXXX the ladies of because I told them they were XXXX and didnt process the loan correctly and I filed a complaint with the Vice President and the executive committee. So in the end they had no legal ground to deny the loan and they violated the law by not giving me the loan application they didnt approve. The reason I think they denied the loan is because Im incompetent and my wife has to sign for me which is discrimination against a XXXX veteran. And I say this because I was actually approved for XXXX 4 times thru there company each time they were blowing me off Id apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: SQUARETWO FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
Had a   XXXX   XXXX   credit card. Lost job and it went to collections. I have been getting contacted by  CACH LLC on acc ount  XXXX . I am not familiar who they are. Within my rights, I asked them to provide validation of the debt, proof of how the balance went from what the balance was at   XXXX   XXXX   when the account was open to how the balance got to where it is now. I also asked to provide proof that they are authorized to work on my account on behalf of   XXXX   XXXX  . They refused to provide this. I contacted  XXXX  and they advised that the new creditor does not have to provide this and has closed the dispute several times.

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 2017-04-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
well fargo bank is closing down town  XXXX  branch. they sent letter that I had to close my safe deposit box, which I did. they failed to issue me pro-rated refund at time of closing and play ed dumb when I asked manager to m ail me a refund check that is due to me.  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , fl  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 2017-10-16
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to Equifax so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with XXXX XXXX XXXX and they keep reporting false information.

Company response to consumer: Closed with explanation