BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My name is XXXX XXXX XXXX. I have recently became guardian over my father, XXXX XXXX and ran across some papers concerning a purchase agreement signed by my parents, XXXX and XXXX XXXX XXXX. My mother is now XXXX. On XX/XX/XXXX, my parents signed a purchase agreement with XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Alabama. They purchased a XXXX XXXX XXXX XXXX for {$40000.00} minus the {$3500.00} down payment totaling {$36000.00}. The vehicle was financed by Ally Bank, XXXX XXXX XXXX XXXX, MD XXXX. The account number is XXXX. The dealership provided 2 checks to my parents, both dated XX/XX/XXXX in the amount of {$18.00} for Title Fee and {$2100.00} for Sales Tax and both pay to the order of XXXX County Tax Commissioner. Neither of these checks were submitted by my parents because I found them in among my father 's papers. On XX/XX/XXXX my parents each received a reminder bill in the amount of {$550.00} for the XX/XX/XXXX truck payment. The letters were mailed to XXXX XXXX XXXX, XXXX, GA. By this time, my mother had relocated to my home, in XXXX XXXX GA. XXXX shortly after suffering a XXXX. OnXX/XX/XXXX, another letter was sent requesting payment in the amount of {$570.00}. This included a late fee. OnXX/XX/XXXX, a letter was sent to my parents notifying them of a Notice of Our Plan to Sell Property. The letter notified an intent to sell the vehicle in a private sale sometime after XX/XX/XXXX. I would like to know how much did they sell the truck for? I would like to know why did they repossess the truck just after 2 missing payments? I would like to know why the letter identified amount owed was {$1100.00} plus {$27.00} late charges plus {$610.00} retaking and holding vehicle charges totaling {$1700.00}. Yet, on XX/XX/XXXX, a letter was sent to the XXXX, GA address " this is to acknowledge that your above referenced account with Ally has been settled and you are released from any and all obligations. '' The account balance on the letter was {$4100.00}. why? My parents were in no mental condition to sign a huge contract with these two businesses. My parents were over XXXX years old and were clearly taken advantage of. I think that their business practices needs to be examined and any funds should be returned to my father. To sum it up, XXXX XXXX XXXX purchased the truck from XXXX XXXX of XXXX, sold it to my parents, repossessed it after 2 months receiving a down payment and having to pay no taxes and tag fees, then Ally Bank sold it by the third month and for over $ 4K. Is this proper way to do business. Please help.

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 2022-08-29
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I was made aware of a recent account by XXXX XXXX XXXX. I have never applied etc for this company. My credit has been frozen since XXXX. XXXX never did a credit inquiry ( nothing shows on credit report of them doing that. If they had they would have seen the frozen credit report. ). This is NOT my account. I have told XXXX and EXPERIAN this and they are not removing it from my credit report. I can not contact XXXX because XXXX ) I have to leave a voicemail and No one ever responds and XXXX ) if I send an email I have to include my social security number. I believe XXXX to be a fraudulent scam company who allows other people to use our great credit and we get stuck because they are not diligent in checking credit reports. I am not the only one this has happened to. If anything could be done to change XXXX business practices or get them out of business, it would save a headache for everyone. I want this false information off all three credit reporting agencies. Not only do I have frozen reports but now I have layered it with fraud alert. But that doesnt help when they dont check! Thank you for your assistance in resolving this matter and restoring my credit report to accurately reflect my accounts.

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX   Hospital as I have no children and have no knowledge of owing a XXXX hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.

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 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Capital One in XXXX, XXXX, XXXX, and XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, Capital One second account XXXX, XXXX, and XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, XXXX XXXX bank in XXXX, and XX/XX/XXXX, XXXX, XXXX, and XX/XX/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 a account without written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for Experian on XXXX. I had the free account but then it offered {$1.00} for 7 days monitoring and you are supposed to be able to cancel within 7 days or you get charged {$24.00}. This happened on XX/XX/XXXX. I cancelled on XX/XX/XXXX. Today I checked my bank account am being charged {$24.00}. I called and they claimed I cancelled the free account which makes absolutely no sense. So they claim I had two accounts which again makes zero sense. They will try to secretly charge you hoping you wo n't notice. How is it possible I suddenly would cancel a " free '' account and not the account that was charged the dollar. They offered the refund but couldnt explain to me why I had two accounts. Beware of this company because they try to pull people in by saying being free but it is a sham. XXXX was the one I spoke to and told me she was a supervisor and there was no one above her and no one else to talk to unless I wanted to write to a XXXX XXXX . She talked over me and had no explanation as to why this happened.

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 2022-08-29
Company: GreenSky, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went into XXXX XXXX to discuss getting a procedure, they told me I could get financing and that Greensky would finance it at a low rate. After I started paying off loan, two years later I still am making payments. The interest rate was ridiculous, I am paying double the loan amount. That was not explained to me in the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hello, i am just learning how to review my credit report AND upon checking it i see XXXX unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27
Company: Valley Credit Service, Inc. (OR)
State: OR
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:
This complaint is consequent to wrongful demand and collection activity reported to major credit bureaus for insurance co-payment arising from incorrect, wrongful, and disputed reporting of medical services and tests provided to me that were performed XX/XX/XXXX by XXXX [ Oregon ] XXXX XXXX, XXXX XXXX, ( " XXXX '' ) ; together with wrongful and damaging debt-collection subsequently entered on my Credit Bureau reports by XXXX 's collection agent Valley Credit Service , Inc., XXXX, Oregon ( " VCS '' )  that began XX/XX/XXXX, and was updated XX/XX/XXXX, by XXXX 's collection agent ~ altogether as attached hereto. 
Both XXXX and VCS have refused to answer, let alone consider, any attendance to my concerns and complaint. 

This unjustified conduct and actions by XXXX and VCS have caused, and continue to cause, specific serious-and-unwarranted damage to my credit standing with consequent reduced or denied credit availability from both existing and new creditors. 

My repeated and detailed written communications to both XXXX and VCS have been ignored by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Sunday XX/XX/XXXX at XXXX XXXX commenity bank called in regards to my credit card accounts. I did not answer as I was asleep they then called again at XXXX XXXX, 2 minutes after they had just called. I answered and gave the phone to my husband as I have repeatedly told them I am unemployed and job searching and have been in contact with them with updates on the situation. He then asked them not to call on Sundays as well as to not call anytime before XXXX XXXX the rest of the week. They said ok they will notate the account with the request. 
At XXXX XXXX on XX/XX/XXXX commenity bank called again. I answered and gave the phone to my husband again and he said we asked you not to call on Sundays you were supposed to notate that in the account this morning when you called the lady said she was sorry and my husband stated he would contact a lawyer and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Wells Fargo Bank ; Card # XXXX Before during and after the Bank admitted to selling and distributing the public 's personal information I was constantly being harassed with phone calls from XXXX company selling life insurance and another company selling renter 's insurance ; this went on for several XXXXXXXXhe life insurance company knew both my DOB ( XX/XX/1949 ) and mailing address/phone number while the Renter 's insurance company knew my complete mailing address/phone number and specifically my apartment # XXXX only Bank that had this information and had admitted some of it's employees did indeed sell my and other 's personal information.Had a claim with Wells Fargo XXXX XXXX and waited for a response after several phone calls and unkept promises of a resolution and was repeatedly advised somebody would respond and no body did so I called them and the claim was denied.XXXX XXXX was forced earmark {$500.00} million dollars for their illegal and immoral behavior and now they are attempting to shirk from their responsibility to fairly compensate the victims of their behavior.

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 2017-08-27
Company: Experian Information Solutions Inc.
State: ND
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 am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, XXXX  and Experian credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent 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 2017-08-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have XXXX GBP ( about XXXX US Dollars ) on account with Coinbase. 

In order to withdraw money from my account, Coinbase says I need to verify it by depositing XXXX Euros by bank transfer. They say that once this is done, the account should be verified within 2-3 business days, and I should be able to withdraw my XXXX GBP. 

I deposited these XXXX euros on XX/XX/XXXX, and as of this writing Coinbase is still refusing to verify my account, and is withholding my XXXX GBP. 

I first contacted Coinbase about this onXX/XX/XXXX. I have received many vague responses assuring me a resolution is just around the corner, but as of this writing, they still have my money. 

I am attaching the history of my communications with Coinbase. 

Thanks for reading, and I hope you can help me out with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been making monthly payments for my installment loan from Net Credit. I am not behind on any payments. For the month of XXXX I was deducted two separate transactions of {$120.00} for XXXX onXX/XX/XXXX. I have been calling Net Credit since Saturday, XX/XX/XXXX with no avail. I have stayed on hold for over an hour and then call will then just drop off. No one ever picks us the telephone and I call multiple times a day. I have also sent an email to XXXX with no response. I call the customer service number XXXX as well as the collections number XXXX. I need to know why my account was deducted twice for the exact same amount and can not get any type of customer service response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX taken off they were all good accounts

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 2020-11-04
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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  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 a account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2019-08-05
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Prior to receiving my account activity for XXXX in the mail. The option to view recent transaction online was unavailable due to technical difficulties with the companies website known as www.eppicard.com. On XX/XX/19 I received my account activity in the mail and became aware of the fraudulent transactions. Contacted the XXXX reported my card lost/stolen. New card was expedited to me in the mail 2 calendar business days. 5 business days later I received my questionnaire of fraud form. Completed the form to the best of my knowledge. Documented the transactions I was disputing on the form from XX/XX/19 through XX/XX/19 totaling to an amount of XXXX dollars. Haven't received my XXXX account activities customer service had to give me the information of the amount and merchant names for XXXX. I Mailed the form out as soon as possible. Few days later I called the XXXX to check the status of my claim and I was informed that my claim was denied. Asked to speak with a supervisor that can possibly help me understand why it was denied. Supervisor informed me over the phone that it was denied due to me reporting my card lost/stolen on XX/XX/19. I stated the last time I used my card was five days after I reported it. Nothing in my statements or phone calls was on XX/XX/19. I wrote on the paper it was XX/XX/19 and they have evidence of me calling and reporting my card on XX/XX/19. Supervisor stated that he emailed the fraud service department to look at the claim again. On XX/XX/19 I received a letter from the fraud service department that they found a conflict in the information I provided so based on that they are unable to confirm that fraud occurred. On www.eppicard.com it states if I see an transaction I need to dispute contact customer service immediately and refer to XXXX XXXX  issuer disclosure. Which I followed and the disclosure states my debit card is insured up to XXXX. I contacted the merchants and they couldn't reimburse me I was told to contact my bank and follow there procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Bread Financial Holdings, Inc.
State: FL
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 have a XXXX Commenity Mastercard credit card and I was informed when I got it that I could use the rewards I receive from when I use the card, with them or anywhere else, at any time I earn them. I went to XXXX the other day and they stated that I couldnt use all my rewards, only {$10.00}, which I had {$40.00} available and stated that theyve been having this issue for a few months and they couldnt do anything at this time and would have to contact Comenity. When I contacted them, they couldnt tell me when Ill be able to use my points. At this point I feel that Im been misled and giving wrong information on using my earned points for using their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Edfinancial services today XX/XX/2022 and asked for my loan refund for the payments that I made during the pandemic pause. I was told that this refund would take up too XXXX year to processes. That is a deceptive practice to not refund so that I will still owe them money after Biden 's loan forgiveness if they finally get around to refunding the money. This is intentional on their part to to try to get additional monies to their company. The other major student loan servicers have given customers a XXXX week window for the refund. I am due XXXX for the Bidens cancelation program as I have Pell Grants.My current loan after making all forbearance payments is approximately XXXX. I have made payments for the entire time of forbearance.I have researched the large number of complaints against this organization and the lawsuits, including the XXXX XXXX dollar suit filed by CFPB due to lying to consumers and engaging in deceptive information. I want my payments that I paid during forbearance to by refunded within the proper time frame to allow me to have the amount added to my loan so I may receive my full loan cancelation amount. Their are many complaints online regarding this same issue I am having with Ed Financial.

Company response to consumer: Closed with explanation