BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. Experian, XXXX, XXXX has violated my federal protected consumer rights to privacy and confidentiality, under 15 U.S.C,1681. XXXX  account XXXX XXXX XXXX XXXX has violated my rights 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 2023-08-30
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid Ally Financial the month of XXXX in advance for my XXXX XXXX auto loan. I made the early payment of {$340.00} on XX/XX/XXXX. 

On XX/XX/XXXX I asked Ally Financial to refund me the early payment since I was trading in the vehicle at the end of XXXX, before XXXX, and I wouldn't have the car in XXXX. 

Ally Financial said they would process the refund and it would take 7-10 business days. They also gave me a reference number ( XXXX ) for the refund. 

I traded in the XXXX XXXX vehicle to XXXX on XX/XX/XXXX. 
XXXX then paid off the Ally Financial XXXX XXXX auto loan on XX/XX/XXXX. 

I never received the {$340.00} from Ally Financial. Instead, I received a check for {$27.00} on XX/XX/XXXX from Ally Financial. 

I reached out to Ally Financial on XX/XX/XXXXXXXX  and asked where my refund of {$340.00} was. They told me that I should dispute the charge with my bank to get my refund since the payoff was already made. They also stated that the {$27.00} check was an extra payment from XXXX. 

I then disputed the charge with my bank ( XXXX XXXX  ) and provided the necessary documentation and received a reimbursement from XXXX XXXX  of {$340.00} on XX/XX/XXXX. 

Once I was reimbursed the {$340.00} from XXXX XXXX, I received a call from Ally Financial stating I still owed them this new amount of {$340.00}. They also told me I would be getting a {$770.00} check in the mail and they failed to explain why. 

I then received numerous calls, emails, and texts from XXXX 's employee XXXX XXXX to pay Ally Financial the {$340.00}. 

Once I received the {$770.00} check in the mail from Ally Financial, I deposited the check on XX/XX/XXXX and paid Ally the {$340.00} on XX/XX/XXXX. 

Ally Financial then had the full {$770.00} check refunded back to them from my bank on XX/XX/XXXX. 

So I still paid them the {$340.00} early payment and I still haven't received the refund for it.

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 2022-11-26
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited {$170.00} on XX/XX/2022 and it was to be available on XX/XX/2022 and it was not and the app register was corrupted and there was no trace of me depositing it. I tried reporting it on the chat messenger in the app but couldn't get help at all so I left a text based message in a contact form on the app. Then I called and that was a waste of time. I'm not sure who answered but they sure didn't get being a XXXX XXXX XXXX or business in XXXX. She claimed my check was deposited at another financial institution but wouldn't tell me which XXXX ir in what account. They would not refund my money but wanted to cancel my card and I said no thank you but they argued and insisted. My card was not violated and that would inconvenience me more. They said I'm warning you and then said this your last warning. Then he admitted he ported the number and answered the phone to close down the company. They took {$28.00} XXXX weeks or a month before and {$25.00} for XXXX weeks before that once a week from that account. XXXX was violated to and it was done right away when I received the payment XXXX times. XXXX dose of {$25.00} and then {$18.00} out of {$20.00} payment and then {$10.00} and when it did that it pretended it owed {$7.00} and they left the {$2.00} that was already in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: KY
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 Mortgage XXXX XX/XX/XXXX. 
XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In according with the fair credit reporting act, the above accounts stated above has violated my rights according to 15 USC section 1681. Which state a consumer reporting agency can not furnish any information on my credit report without my written consent.

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 2022-04-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My ex girlfriend used my information open a credit card under my name without my permission. Its when i check my credit report i find out that i have a credit card under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Veros Credit, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
When I first brought the car I called the salesman back too say it was a mistake because interest was too high and wanted too bring car back he told me after u drive it off the lot u cant bring it back and now that the law says I had 3 days too bring it back and I didnt know and now on the truthful leading act 15 usc 1662 B I cant get my down payment back or I dont have too put a down payment down and I Think that was a violation and wasnt given the right information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I transferred $ XXXX from my checking account to my Coinbase account.The transfer occurred immediately. My checking account was debited immediately. 

I had made a mistake. I only wanted to transfer XXXX. When I asked Coinbase to transfer $ XXXX back to the checking account I was told there was a hold on the funds for 3 weeks. I could not take any action until XXXX XXXX at the earliest. 

These is no reason for the hold. It is just Coinbase appropriating the float for 3 weeks for their own profit. Maybe also dealing with their cash flow issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXXXXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXXXXXX XXXX Account XXXX, 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 : 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( XXXX transunion and XXXX ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on XXXX, XXXX and transunion there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation

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 2022-06-24
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Chrysler Capital initially reported this loan as a repossession although the loan was paid off in full by my car insurance. I disputed this and finally got them to remove the repossession since I was able to prove that insurance classified the vehicle as a total loss and paid the debt in full. Only to have Chrysler Capital update my credit report to show " late payments '' which is incorrect information. The creditor themselves are not able to provide concrete dates for these alleged late payments. Some show 30 days late while others state 60 days late. Additionally the dates ( months ) in which the late payments allegedly occurred are inconsistent across the 3 credit bureaus and overall incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: VA
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:
First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( equifax XXXX and XXXX ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on equifax, XXXX and XXXX there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America sent me an email that I apply for credit card which I didnt. Later the back send Credit inquiry file to damage my credit line. I have never applied their credit card at all not sure why they send to credit report about my credit inquiry.

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 2023-09-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello the bank was offing free printouts of peoples credit reports and I saw alot of unknown accounts, names and addresses being reported. I think they have me mixed up with someone else and I need this issue resolved. 
XXXX XXXX  opened XX/XX/XXXX for {$18000.00} XXXX XXXX  opened : XX/XX/XXXX for {$730.00} XXXX XXXX XXXX on XX/XX/XXXX for : {$2100.00} XXXX XXXX XXXX was opened : XX/XX/XXXX for {$4200.00} XXXX  Account was opened : XX/XX/XXXX Account Balance : {$0.00} XXXX XXXX was opened : XX/XX/XXXX Account Balance : {$860.00} Fraudulent Inquires/Unauthorized inquires Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX who the heck is 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 2022-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello the bank was offing free printouts of peoples credit reports and I saw alot of unknown accounts, names and addresses being reported. I think they have me mixed up with someone else and I need this issue resolved. 
XXXX XXXX opened XXXX XXXXXX/XX/XXXX for {$18000.00} XXXX XXXX  opened : XX/XX/XXXX for {$730.00} PORTFOLIO RECOV ASSOC on XX/XX/XXXX for : {$2100.00} PORTFOLIO RECOV ASSOC was opened : XX/XX/XXXX for {$4200.00} XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Balance : {$860.00} Fraudulent Inquires/Unauthorized inquires Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX who the heck is XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted about one account from an apartment that I paid off, and as soon as I paid it they attached an account that I was not associated with for an additional {$610.00}. I told him I didnt owe that, my name was not on that account, and they need to remove it off of my credit. They refused to, stating that they knew that I lived at the apartment ( even though my name was never on the lease ). Im not even sure if that is legal to attach a debt I was never connected to because the account holder was a girlfriend at the time. Because I need to move, I wanted it off of my credit. I asked that it be removed off my credit and whomever the account was associated with, and was transferred to the operations manager, XXXX XXXX, who immediately was loud, abusive, and rude, stating that he was sending a letter of deletion for both parties as a courtesy and if I did not tell him what card I was paying with, and if I didnt pay he would disconnect the call, and I would be free to call back and pay without getting the account deleted. The second I told him I had already planned to pay and told not only him but his other coworker who manage my account that I was paying and just wanted to get the letter, he continue to cut me off and yell. The second I told him I would give him my card information he immediately changed his tune, took my information, and immediately hung up. I understand that collections can be seedy at times and dealing with the public that owes debts can be frustrating but I have dealt with not only him, but other account managers being EXTREMELY rude right off the bat. I have been threatened multiple times that my credit would suffer if I did not pay the full amounts. I am beyond livid that I wasnt even given the courtesy of a civil conversation and I am essentially being backed into a wall and forced to pay them money I should not be responsible for. This is one of the worst companies I have ever dealt with and I dont know how they are still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 informed the XXXX, XXXX, Transunion and each of the secondary reporting bureaus that I am a victim of identity theft. There are accounts on my file that do not belong to me. XXXX did resolve my complaint and removed the fraudulent items. The others have not. 15 USC 1681 c 2 says that a consumer reporting agency has to block and remove all information on a consumer file that resulted from an alleged identity theft within 4 days of receipt. My rights are being violated and I need assistance with this matter.

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 2022-06-24
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan through Ally for a used XXXX XXXX XXXX I bought from XXXX the loan was re-financed in XXXX through XXXX and then paid off in full. on XX/XX/XXXX I truck the car back to XXXX resulting in them issuing a refund for the warranty remaining in the amount of {$670.00}, This had to be issued to Ally Bank as it was the original source of payment. I've contacted Ally Bank numerous times since XX/XX/XXXX and get the run around every time, and I have yet to get the check. Sometimes they will say they see the credit but no date of when I will get the check, other times they claim there was no overpayment even though the check was refunded after it was closed and that I am due no refund.

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 2022-09-19
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI, INC. is reporting a collection on my report in which the orgiinal creditor is SPRINT. Also XXXX  and XXXX continually to verify the account and ignore my request for the method of verification which is a FCRA violation. I want this to be verified or removed permanently from my credit reports. also i want it to be known that a bill from sprint  does not suffice as verification. their need to be a signed contract with my signature for this company that is reporting to the credit bureaus with my information in which they should not even have. Also AFNI, INC. does not even show as having the ability to collect any collections in the State of Florida so they would need to get this removed as I am telling them to Cease and Desist because this is a direct FCRA violation of knowing and willfully breaking a law.

Company response to consumer: Closed with explanation