BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-20
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
What Happened? 
I signed an Auto Lease with XXXX, Ohio, dated XX/XX/XXXX, that was instantly assigned to Ally Financial, the writer of the lease. The lease was a preprinted Ally SmartLease. At Lease End, Ally 's Appraiser allegedly appraised the vehicle and determined there was excessive wear and tear ( Paragraph 25 ) of {$290.00} because there was a large paint run and excessive bondo on the right front fender. PLEASE NOTE : The vehicle had not been painted and no bondo had been applied to the car. 
Per Paragraph 35 ( b ) Ally was required to sell the vehicle. No Sale Occurred. Instead Ally transferred the vehicle to another XXXX dealer using the bogus appraisal as the realized price. PLEASE NOTE : The car was driven 11,000 miles less than the lease provided and the new dealer marketed the car as " certified vehicle '' in excellent condition. I constantly, and continually, raised these issues during my 20+ phone contacts with Ally representatives. Despite my protests and denial of liability, Ally notified all three Credit Bureaus that I had incurred a bad debt. Ally 's actions were designed to damage my excellent credit score. Ally 's actions constitute blatant, intentional consumer fraud designed to extort money from me. These actions represent a continuation of Ally 's pattern and practice of consumer fraud. Note : Copy of Lease can be provided although it copies poorly ( blue carbon paper ).

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 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter 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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer report.

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 2020-06-09
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns has been blowing up my phone 4 to 5 times a day monday thru Saturday. Even when I spoke to them and let them know that I lost my job a couple of months ago due to covid-19 and that I literally had no money to pay them they continued to call my phone numerous times a day. They are causing even more stress to an already stressful situation. And every single agent that I told about my financial situation had the nerve to ask me how I was living when I need to buy food and keep a roof over my head. That is none of their business. Then after asking me that they continued to ask can I at least pay something. It's too much. Even when I had a job they called my job 4 to 5 times a day. I also fail to see how I owe XXXX dollar s on furniture that only cost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The XXXX of XXXX of XXXX have no record that I owe any debt.

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 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXXaccounts on both trans and XXXX that were desputed and were suppose to be deleted but they are still on there also I have had a XXXX XXXX credit card for five months made XXXX ontime payments and that 's not on my credit report

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 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I received an alert from Transunion that my credit was hard pulled on XXXX/XXXX/2016 by 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 2021-02-06
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Every 2-3 weeks I receive a letter in the mail from a different collection agency. They are attempting to collect monies I don't have for medical debt that I did a settlement for with XXXX XXXX XXXX XXXX. I am not sure how these agencies are even obtaining information settled. So instead of me writing a letter to the agencies asking if they've obtained this information illegally or purchased the medical information, I am also going to begin reporting them. The newest agency is CBE Group , Inc XXXX XXXX XXXX XXXX XXXX, IA XXXXXXXX and the agency just a few weeks prior is XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX. 

Let me begin by stating, Yes, I had over {$XXXX}  in medical bills because I did not have medical insurance coverage. It took me a year and a half to do so but I was able to get a 2nd job in the warehouse and paid off {$14000.00} of the medical debt I created. Of which a couple of XXXX XXXX XXXX XXXX bills were paid off. When I no longer worked at the warehouse due to the multiple surgeries on my left eye, I was paying little but what I could pay on my remaining medical bills. Then my full time job was cut down from XXXX hours a week to XXXX hours a week and then Covid comes which has made it challenging to find part time or another full time job. 

I had about {XXXX} in savings. So I reached out to XXXX XXXX, requested to do a settlement on both remaining balances that were roughly {XXXX} each and sent them 2 separate checks for settlement for {XXXX}. 

And every 2-3 weeks I receive a collection letter from a different agency in the mail for XXXX XXXX. I have not pulled my credit report since XX/XX/2020, and I hope they have not falsely impacted my credit report. These debts are settled. Now while I'm being transparent here, know that absolutely I did not want to do a settlement. I'd prefer to keep my name reputable and my word bond. However, I just did not have the means to pay them. 

May you advise how can agencies obtain settled debt information? Is this legal? 
The amount on this CBE Group letter is {XXXX} and service date XXXX and the amount on the XXXX letter is {$770.00} and XXXX service date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened the Barclays XXXX XXXX and More credit card largely for the benefits it offered, namely the conversion of award miles into status miles so that I can meet a Senator threshold with the XXXX XXXX and XXXX program. The credit card was advertised that holders can convert award miles into status miles at XXXX ratio. However, this benefit has not been conferred to me, despite having the credit card. 

Over the course of the last month and a half, I have called the service desk at least 4 times. Each time I was told that I am " definitely eligible '' for the conversion, and yet the option did NOT appear on the website where it is supposed to be executed. I was told that it is likely due to a technical issue since I meet the criteria and in XXXX cases I was promised that a case would be open. Only once I received a case number XXXX with an unsatisfactory response telling me that " flight activity is required '' which I have plenty of. The issue still remains unresolved, despite my numerous attempts of speaking with representatives of the company. 

I have planned my travel such that I would be able to meet my goal of achieving the status by my own travel and by using the benefits of the Barclays XXXX XXXX and More credit card that are contractually promised but delivered.

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 2015-06-12
Company: Alorica Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
West Asset Management continues to harass me looking for payment on a debt from XXXX of 2014. XXXX XXXX is using their services. 

My insurance company, XXXX XXXX XXXX - has attempted to contact West asset and XXXX directly a number of times, and I actually got a rep from XXXX on the phone with a rep from West Asset management last month - I was told I could not listen to that conversation - to sort this out. 

I got another call today from West Asset requesting the same payment. I have confirmed with XXXX that I do not owe this amount and are happy to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
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: Public record information inaccurate

Complaint:
In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.

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 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX XXXX/XXXX/XXXX TransUnion Consumer Relations XXXX, PA XXXX RE : Reappearing Removed Item XXXX XXXX XXXX Late Payment XXXX File # XXXX SSN # XXXX Consumer Financial Protection Bureau Case Number XXXX XXXX XXXX Account # XXXX Past Due 30 days XXXX XXXX has been removed since XXXX and XXXX XXXX again reappearing as a adverse account. After I submitted complain though Consumer Financial Protection Bureau on XXXX XXXX ( Case # XXXX ) and Your response was, Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with XXXX XXXX # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate XXXX XXXX # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact XXXX XXXX directly to ensure the account is reporting accurately in their database. 

( CFPB CASE # XXXX Respond attached ) On XXXX XXXX again reappearing Past Due XXXX XXXX same account and I called your customer service dispute department and asked them to corrected. ( Credit Report attached XXXX/XXXX/XXXX ) I attached XXXX/XXXX/XXXX Credit report show as a prove no any adverse account that time. 
Today ( XXXX/XXXX/XXXX ) when I checked the credit report again reappearing above past due. ( XXXX/XXXX/XXXX credit report attached ) Please removed past due XXXX XXXX XXXX account # XXXX as soon as possible. 

Thank you ... ... ... ... ... ... ... ... ... ... ... .... 
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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.

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 2021-12-28
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2021 I ran out of money saved up because I had tried to get the insurance company to fix a roof leak for a year and a half finally a roofing company got them to pay but they refused to pay for internal repairs all my money went into repairs the insurance company is owned by my mortgage company so seeing that my XXXX dollar a month XXXX XXXX XXXXXXXX check was not enough to pay a XXXX house payment plus live on I tried to get refinance even tried to get a reverse mortgage told mortgage company that I was in the process of doing so they sent me for closure because I got behind so I started to sell my house to an as is Buyer they put me in the position by lying to me that they were going to buy my house to get further behind Ive asked for forbearance several times they refuse they say they are not required to give me forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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: Account information incorrect

Complaint:
Trans Union, XXXX and XXXX keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is 3rd parties putting false info. 

1. XXXX XXXX 2. XXXX XXXX XXXX. For XXXX I been trying for XXXX false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all 3 reports.

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 2016-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have requested a method of validation on an account multiple times since XX/XX/2016 for my account from this debt collector. The account is from the debt collection " XXXX XXXX XXXX ''. Every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. The account was for a hospital bill which was invalid because I actually declined services from the hospital and I did not sign any paperwork nor receive any treatment from them. I asked all XXXX credit bureaus to verify with XXXX XXXX so that it could be removed from my account due to being invalid from non-validation. Well I have made multiple requests to the credit bureaus Transunion, XXXX, and XXXX and that will not delete this report even though XXXX will not send me any proof of validation! I should not even have had this on my credit report to begin with. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Transunion over 3 times to provide me with proof of validation of this account or some paperwork before saying its accurate and that paperwork was never provided. I am inclined to believe that they never truly investigated it to begin with. Also my name is XXXX XXXX but they have it listed as XXXX XXXX and I have told them that information is incorrect multiple times and have even sent them the proof of identity each time they request it and they always reject it even though I send them the EXACT things they keep asking for. It is a really painful disgusting process.

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 2016-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have recently been made privy to TransUnion 's widely know glitch that illegally caused information on people 's credit report to disappear and then reappear without notification. This affected me, and in fact it 's been more damning than I could ever imagine, as it put new information in the form of credit inquiries that I never authorized. After speaking with a supervisor on XX/XX/2016 and confirming that they in fact had a breach on XX/XX/XXXX, I was informed they would remove any and all unauthorized hard inquiries on my file from XX/XX/2016 moving forward. 
The ONLY hard inquiries I should have ( that I authorized on my own volition ) are : 1. XXXX XXXX XXXX XXXX XXXX, XX/XX/2016 2. XXXX, XX/XX/2016 3. XXXX XXXX, XX/XX/2016 Transunion needs to remove the remain onslaught of inquiries that appeared from nowhere. Furthermore, as this breach only affected Transunion, I do not want unwarranted freezes or fraud alerts as this was a Transunion error. No other CRA has had recent breaches, therefore contacting them is not necessary. 
My drivers license and social security card are attached for purpose of permissible file access only.

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 2016-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.

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 2021-12-28
Company: Experian Information Solutions Inc.
State: CA
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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2016-10-06
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I lease my vehicle with a company name Ally. I have decided to purchase my vehicle and I called them to get a payoff and I was told It would take two business day, to make the long story short ; in my credit report it has been reported that i owed {$23000.00} and in the payoff amount it said {$29.00}, XXXX, when I called them to get an explanation none of the employees can explain in details why im i been charge that amount. I feel that in some part they have violated Regulation M since I 'm not able to get a clear understanding and none of the paperwork explain what I 'm been charge. please help me get this square away.

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 2017-02-24
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation