BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : 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 XXXXXXXX # XXXX, # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-26
Company: ALLY FINANCIAL INC.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I saw advertisement XXXX XXXX  for special promo, so I called and asking benefits for treatments. 

They were really nice and took me to online consulting with RN, they guarantee my problem will works with promotion deal. 

They told me price and payment plan, she said she will transfer dep for payment plan. 
Ally  went through for payment plan, they promised I can cancel anytime if Im not satisfy treatment then stop pay right away.

My XXXX  XXXX XXXX XXXX and Dr told me I have to purchase this and that,,,, I wasnt comfortable they are start selling things and asking more treatment. 

My XXXX  not getting better so I stopped after XXXX  session, then I told them Id like to cancel service anymore because Im not happy getting worse.

So I asked them same time I dont need to make a payment they said yes. 

After few month I receive payment still I was ignore I though they might not process yet But kept going so I contact XXXX XXXX then they said call ally, I called ally  explained, first time they said they will look for whats problem. 
It wasnt helpful. 

I called again after month and complained. 
Lady was really nice to see more detail and filed complain.

Then I got this collection.

When I cancel they didnt tell me any of detail I still going to make a payment and how much.

I dont receive any email or later for cancellation and price will be changed. 
XXXX XXXX  lady told me we could offer credit for any other treatment, but when I called them to cancel no one offered me she said Im so sorry.

They said on the phone processed cancellation.

I complained XXXX  because there are no communication whats so ever from ally  besides asking me to pay, no communication from XXXX XXXX. 

Very very disappointed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-10-11
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have two vehicles with the same bank ( Ally ). I requested that the new vehicle be added to the online account I currently have with Ally to make payments online. Every time I call they tell me they will put up the request for me. I have called about 3 or 4 times and the account has not been added to my current online account. I made a payment over the phone on the XXXX of XXXX and now they are telling me they have not received the payment. I asked to speak to the manager and the representative XXXX XXXX XXXX at the lease dept was very rude and did not allow me to exercise my right to speak with the manager.

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 2023-10-04
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX I got contacted by two people XXXX and XXXX I told them to no longer call me because they are violating my rights rep then declared that I need to handle my business, they then threatened me with legal action if I dont pay I felt harrassed and violated both callers were woman they got very upset when I would tell them my dob

Company response to consumer: Untimely response
Consumer complaint received 2023-10-12
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company NUVELL CREDIT CO still wants to show up on my credit report for account opened in XXXX & should not be reporting anymore after receiving all payment in full of {$41000.00} original amount owed in XXXX they are claiming some {$100.00} fee I owed since XXXX & claims I settled XXXX but never settled anything, company took upon there self to settle outside my knowledge & personally using this against my credit report to destroy my credibility ask that this company be investigated with how they can take action with no acknowledgement from other party which in turn has my credibility paying the price, this is an illegal act that should not go on. This account should be removed immediately from my credit report without any delay.

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 2023-10-20
Company: ROAD Auto Finance, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

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 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 EQUIFAX CREDIT REPORT HAS TWO XXXX ACCOUNT NUMBERS ON PAGES 9 & 10 OF 34 PAGE REPORT. ON PAGE 9, XXXX ACCOUNT NUMBER IS NOT AN ACCOUNT NUMBER ON MY CRDIET CARD. CREIDT LIMIT IS CORRECT. ON PAGE 10, XXXX IS NOT AN ACCOUNT NUMBER ON MY CREDIT CARD. CREDIT LIMIT IS CORRECT. 

CORRECT CREDIT CARD NUMBERS XXXX XXXX  ) SHOULD APPEAR ON CREDIT REPORT. 

DID SOMEONE MIX UP MY XXXX XXXX CARD NUMBER WITH SOMEONE ELSE? 
I'VE NEVER BEEN PAST DUE. I PAY OFF ALL CREDIT CARDS, OTHER BILLS EVERY MONTH, ALSO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2015-11-07
Company: NATIONSTAR MORTGAGE LLC
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nation Star sent a letter dated XX/XX/XXXX saying I needed to show proof of my homeowners insurance and I needed to have my agent show proof that I had insurance, otherwise Nation Star would buy insurance on my behalf. 

I received the escrow bill this week ( dated XXXX/XXXX/15 ) and Nation Star is escrowing, exactly, {$270.00} from my account, which is what I pay XXXX directly! I talked to my insurance agent through XXXX XXXX and she had no idea why that would happen. Nstar then ESCROWED the exact amount I pay to my insurance company and had the audacity to send me a bill stating the amount I already pay would be deducted monthly into my escrow account. 

Nation Star clearly took the info my agent sent them and added it to the escrow account, so that they would be paid. I have always paid through XXXX, so this is very disconcerting that NationStar was hoping I would not catch what they did in order to take more money out of my pocket and in to theirs. 

After being passed to XXXX different people, the woman in the escrow department said it was an error on their part and they should have never charged my account. She said they are starting the process to take the HOI off of the account, but when I kept asking about having something in writing, she only said they would reanalyze my escrow account. 

This is a predatory " debt collector '' as they call themselves on the statements, not a mortgage company. This company is sketchy and engages in predatory practices that are completely shady. I will be calling back to make sure this is completed AND I requested something in writing to state the charge was removed from my escrow and there would be a new analysis. 

While on the phone, I also asked how I can remove my tax escrow and the woman told me it was n't possible to remove the escrow. I told her she was wrong and it was possible. She put me on hold and after a few minutes came back to tell me I could submit a request, which they will most likely deny, but I at least tried and will keep trying because she was clearly withholding information from me on how I can remove the tax escrow. I want Nation Star to give send me the exact steps to have it removed.

Company response to consumer: Closed
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I XXXX XXXX XXXX XXXX XXXX XXXX did not make the charge. I ask that the items be deleted to correct my credit report. I reported XXXXXXXX XXXX XXXX XXXX XXXX to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX my money market account was hacked by a scammer and then again on XX/XX/23 I thought I was talking to the Capital One Fraud department since I was transferred when I called the number on the back of my credit card to report the fraud. It was an elaborate scan which I did not realize until the money was gone. I since have reported the fraud to the local police, the FBI, the DOJ, the Secret Service, the SSA, XXXX, plus all the credit bureaus. Capital One only tells me " its being investigated '' but this has been going on for over a month and the DOJ suggested that I contact the CFPB. The account is supposed to be insured by the FDIC and there should be protection against innocent people who get scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I was told i was sent a email for a class action lawsuit for a data breach with capital one which capital one confirmed i was apart of but i never received an email. When asked what i would have to do i was told its nothing i can do because its to late. I then asked while if i never received an email how could i respond and if you guys are saying my data was included then why not make better attempts to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made based on a material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

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 XXXXXXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On or around XXXX XXXX, Saturday, XX/XX/2023 I purchased service with a streaming service. After not receiving access to the streaming service I contacted the seller on their website concerning the issue of not receiving the service. They acted like they could not find where I submitted the payment seller is not returning my emails, so I disputed the transaction with Cash App. Cash App informed me the dispute would take up to 10 days as it was stated when I signed up for their service. All of the sudden today, Saturday, XX/XX/2023, the representative tells me it is going to take 45 day, therefore, I closed my Cash App account and ceased business with them. On or about XXXX XXXX, XXXX  the XXXX XXXX XXXX XXXX submitted a statement to CFPB indicating they would return my funds. On Friday, XX/XX/2023, around or about XXXX XXXX I contacted Cash App to obtain my funds and they indicated they could not get into the previous account to return my funds. On Friday, XX/XX/2023, around or about XXXX XXXX  I contacted Cash App to obtain my funds and they indicated they could not get into the previous account to return my funds and refused to credit the funds back to my account. Cash App 's business practices meet the criteria for XXXX XXXX  General Statue 75-1.1 : Unfair & deceptive trade practices. I contend that Cash App violated the aforementioned North Carolina statue by refusing to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My information with Equifax has been breached. Here is the proof and they refuse to delete these accounts. So please delete this from my credit reports immediately. As I was a victim of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My spouse is XXXX XXXX military enlisted/serving in the state of XXXX. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at XXXX  %. Please adjust my account accordingly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Resurgent Capital Services L.P.
State: PA
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:
i was trying to inquire about house to buy with option to rent, they check my credit reporting and made me aware of various inquiries that do not belong to me. Due to my reporting showing this item, I am unable to move forward on my daily living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CL Holdings LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

Company response to consumer: Closed with explanation