BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Some one help me, ATTORNEY GENERAL OFFICE, FBI, FDIC, OCC, and all other agencies, this is one of most disgusting things I ever seen, I have paperwork to prove XXXX XXXX CREDIT CARD closed my account out clean and reported me good for for over a year with account closed. Well someone disputed them at TRANSUNION or something, I am going after XXXX XXXX for money they owe me, the XXXX have nothing to do with each other, you are not gon na believe what XXXX XXXX did, and TRANSUNION, XXXX XXXX out of spite illegally put a remark on my TRANSUNION and brought my credit from XXXX to XXXX with a negative remark which has should never been on there, they are doing it out of spite, first of all I have every right to go after them for illegally embezzling money on my credit card, they have been reporting positive for over a year, but the issues run deeper, XXXX XXXX closed my card and said they did n't, but oddly right at {$1000.00} which was my secured deposit WHICH IN ITSELF MAKES NO SENSE, but they also re put disputes on their over {$1500.00} worth and kept the money, these things have nothing to do with credit reporting, but they put a negative remark out of spite with after being identity theft, beaten on property and other things they know, they have hurt my health, my credit to get a loan for car or home and job and then some, this is criminal and I will not rest til they pay for what they did, how gross and scary.

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 2017-02-22
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I traded my car in and purchased another one. The dealership looked over the car and there were no issues. Car was harly used an way under allotted mileage. Six weeks later i get a bill from Ally that I owe {$500.00}. I contacted them and apparantly there was a scratch on the bottom bumper. They decided that it would cost {$500.00} to fix this. How did they come up with this amount? In addition who is to say the damage didnt happen in the six weeks I was no longer in possession of the car. In addition, in XXXX XXXX the car received a parking ticket from XXXX XXXX. During the date of the ticket my family and I were travelling and not in the country. Long story short, the person who wrote the ticket put the wrong plate numbers. The ticket was issued to a XXXX XXXX and my car was a XXXX XXXX XXXX. I got it taken care of an the judge dismissed the ticket because of course it was invalid. This was the same time ally was trying to sell my car. The ticket came up and they paid it, never letting me know. I faxed them the ticket, with the registration showing it was an invalid ticket as the license plate was for a XXXX XXXX not a XXXX. I also faxed them the judge 's dismissal that the ticket was invalid. This was faxed on XXXX. I continued to receive bills from them for the {$500.00} and {$15000.00}. I called them today. I was told the ticket they paid was not the ticket that I faxed them. They received my fax but since they feel it wasnt the ticket they paid they disregarded it. I asked what other ticket, representative coudnt tell me. I asked to speak to a supervisor, I was told this is not a supervisor issue and he woulnt transfer me. At this point I feel like Ally is trying to extorate money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: Core Advisory Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Core Advisory, XXXX XXXX and his company and staff took {$3900.00} to work on my behalf to get my home out of foreclosure, reduce all the add Rd fees and get me a new loan modification. Core Advisory Group did nothing to help me and lied and as soon as they got all of my money never returned calls, or did a single thing to help me. The company actually told me " I was a difficult client '' and they would have a meeting to decide if they would continue to even deal with me. XXXX told me he 'd call me back with a d vision and BEVER again called me or answered my many calls or emails!!! This is a very bad, crooked company. DO NOT believe a single word they tell you. Once they sent a notary to my home to get my {$3900.00} dollars, they quit even taking my calls

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX not reporting accurate information on XXXX credit agencies ... XXXX Transunion my account it states that the account was opened XX/XX/XXXX but on XXXX and XXXX it states the account was opened XX/XX/XXXX. Last payment on Transunion is dated XX/XX/XXXX but on XXXX report the last payment is dated XX/XX/XXXX. There is no last payment details on XXXX report. Transunion report states that the account was closed XXXX/XXXX/XXXX. However there is no information on date closed on XXXX or XXXX report. XXXX report shows " failure to pay '' starting XX/XX/XXXX. However, Transunion and XXXX is showing XXXX 30, 60 or 90 day late payments. I ask them to correct this information and their response was " we are not obligated to provide all of the documentation you requested. ''

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 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Some months ago I took my mom to a B of A to cash in some Series XXXX. The time before this, we were told we were allowed to cash in XXXX bonds at a time. We went to the B of A today at XXXX XXXX XXXX XXXXXXXX, Az XXXX with XXXX bonds to cash and the Manager told us he would only cash in XXXX for us. Your policy states : Can I redeem a Federal Savings Bond at a Bank of America financial center? 
Yes. The savings bond must be older than 12 months and the person redeeming the savings bond must be the owner or the co-owner. Please note that if you do n't have a checking or savings account, or have had XXXX for less than months, you 're limited to redeeming a maximum of {$1000.00} per day. 
The managers name was XXXX XXXX and he was very rude and as we told him that we were told his branch and another that we were allowed to cash up to XXXX bonds per day, he was saying that he NEVER said that. He would n't even listen. Then they said they only had XXXX cashier and they did n't have the time. I 'm sorry, but we are the customers and we should be able to go into the bank and do the business that we want to do. Tell them to have more then XXXX cashier. By the time it took for him to decide they would n't help us, he could 've helped us. Later, he was just standing outside the bank jabbering with the security guard. GREAT MANAGER! We have a lot of money in your bank and have had problems before with this branch. It is the closest to our home and have had our accounts with this branch for years. We are now rethinking banks. What a shame that you would allow a Manager to treat their customers in this way.

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 2016-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card
Issue: Billing statement

Complaint:
I have a credit card with Bank of America. I could n't figure out how I always had a balance carried forward even though I always paid the " current balance '' in full before the due date. 
Then I realized : the bank has set my payment due date BEFORE the end of the finance period, so that unless I do n't use the card, some charges will be posted after I make my timely payment. 
Example : my B of A payment is due on XXXX XXXX. I pay the full balance on XXXX XXXX so as not to be late. In XXXX, I find a 'beginning balance '' amount, on which interest has been charged, for transactions on the XXXX, XXXX, and XXXX of XXXX. They are listed as having been retroactively due with the XXXX payment. 
Is this not dishonest? Sneaky? Possibly Fraudulent??? How many billions do these guys collect in interest from people who think they are paying in full every month?

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 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, I checked my credit on XXXX XXXX and had only XXXX inquiry listed on my report ... XXXX had been removed. I checked my account again on XXXX and all XXXX had been reinserted without sending me a reinsertion letter as required by FCRA section 611. I have called to have it corrected and was told that I " was n't affected by the glitch ''. I then spoke to the special handling department who told me to fax a copy of the inquiry section of my report dated XXXX to TransUnion and upon receipt they would delete them. That was done a week ago and I still have these enquiries on my report. Some agents told me that they know what happened but it 's just " too bad '' and some have been downright rude.

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 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My Complaint with Transunion about XXXX damaging my credit and Transunion allowing them to continue to damage my credit. I feel that if credit reporting agency Transunion is not reporting the XXXX account correctly. I have numerous disputes to XXXX regarding Navient incorrect reporting of the account. In an earlier dispute Transunion agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forbearance period, but I still made payments. I am enclosing documentation of payments made to XXXX. According to XXXX my loan was not in repayment until XX/XX/2015, so why am I 60 days late in XX/XX/2015 and 90 days late in XX/XX/2015, this reasoning is not logical.

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 2016-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a fraudulent account on my credit report from XXXX XXXX. The fraudulent account is on my credit report three times, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts for the same XXXX account and XXXX has refused to removed. This is XXXX XXXX signature on the XXXX XXXX application not XXXX XXXX 's in which she admits. I have provided my signature and XXXX XXXX requested a signature from the year of the contract which is absurd. My signature is my signature and I have provided them that. I have attached a copy where I have contacted the company informing them they have the XXXX fraudulent account on my credit reports 3 times and there has not been an expedited removal. It is against FCRA to have the same account on credit reports. I have also attached my domicile in which I have continuously provided with my signature and showing that the application in which XXXX XXXX provided the information for contact is not mine it is my daughter 's address. They have stated that that I never returned any documents denying that I applied for a loan, that is because I never knew of the loan until viewing my credit reports as I have continuously stated and provided them with my address. My address was XXXX XXXX XXXX XXXX until 2007, then XXXX XXXX XXXX XXXX XXXX I was finally able to get a copy of my contract for my XXXX XXXX XXXX XXXX home showing that was my property until moving to XXXX XXXX XXXX XXXX, which is on my credit report under addresses. I am again asking for this fraudulent accounts to be removed immediately. My next action would have to be legal representation as I have exhausted all reasonable options.

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 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed an account on my credit report with Transunion over XXXX times in the last six months. I advised Transunion that the information the US Dept of Education is reporting is incorrect. US Dept of Education is reporting that I have a monthly payment of {$3400.00}. I have also disputed this with the Dept of Education. The loan amount is only $ 4K so how can you have a payment of {$3400.00}. Transunion is not verifying this information as the last time I called in to dispute was XXXX/XXXX/2015 and transunion completed the dispute and emailed me on XXXX/XXXX/2015 with no change to the account. This action is causing me to look like I have high monthly payments and is causing me to be denied credit. The FCRA requires that information reported is accurate and detailed. I plan to contact an attorney to see about possible litigation against Transunion if this is not resolved. The other bureaus does not show a payment for this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I see that there is XXXX credit # XXXX appearing in my credit report which I do n't own. I contacted XXXX today ( @ XXXX XXXX XXXX ) and they say since the account is already closed they cant help .Since XXXX 2016 ( when I first checked my credit report ) I have been contacting XXXX and they never responded properly. In XXXX I contacted them and they asked me to mail the dispute to address XXXX, XXXX XXXX, SD - XXXX and it may take some time to respond .I did so. But in reality till now I never got any response from them. I contacted Transunion twice ( recent dispute raised on XXXX/XXXX/2016 ) and their investigation is still reporting the same details. Since I do n't own this card, I want the details about this card not to appear in my credit report and restore my credit score to a good score. Please help me with justice. My credit score is getting hit with this fraud.

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 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Someone put a credit card in my name without my consent and it decreased my XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
NAVIENT ABUSE : I AM A COSIGNER FOR A NAVIENT LOAN, THE ORGINATOR IS SEVERAL PAYMENTS BEHIND, SHE LOST HER JOB. NAVIENT IS ABUSING ME WITH CONSTANT PHONE CALLS 5 TIMES A DAY 6-7 TIMES A WEEK FROM XXXX TO XXXX ON MY HOME PHONE. THEY ARE ALSO USING ABUSIVE LANGUAGE AND WHEN I ASK THEM TO STOP OR BACK OFF THEY SAY THEY CAN CALL UP TO 8 TIMES A DAY, THERE IS NO LIMIT. I HAVE TOLD THEM SEVERAL TIMES OVER THE LAST WEEK THERE IS NO SET NUMBER BUT THE NUMBER & VOLUME OF CALLS IS ABUSIVE. THEY REFUSE TO STOP. ABUSING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Credit Adjustments Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
still after years of recorded payment with former employee, my wages were garnished in the amount of @ XXXX XXXX dollars collected/represented by an attorney who I believe did not report my garnish wages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I obtained a copy of my annual credit report XX/XX/XXXX. The debt listed below is not on my credit report. I obtained a copy of my credit report from XXXX XXXX on XX/XX/XXXX. My credit report indicates I owe {$35.00} dollars. The debt collector is XXXX. Original creditor is XXXX XXXX XXXX XXXX. I unequivocally do not own {$35.00} dollars. XXXX reported the debt. I am requesting the company remove the inaccurate statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Constant phone calls to unauthorized members of my family. They are leaving voicemails on their answer machines when I have reported them multiple times and have asked them to please stop. They refused to listen.

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 2022-10-19
Company: JPMORGAN CHASE & CO.
State: MA
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 spent over XXXX hours trying to get a {$50.00} reward for a hotel stay that I am entitled to from my Chase XXXX Credit Card from a trip in XX/XX/2022. I needed to be transferred more than 6 times over the course of XXXX hours. I kept getting transferred requesting a supervisor, but either not getting a supervisor or not the " right '' supervisor. The first supervisor was named XXXX after being told I was being transferred to an ultimate rewards supervisor 2 times before this point. After waiting another XXXX minutes to speak to her and having to confirmed my information every time I spoke to someone new she alerted me after speaking to her that I needed to talk to a different supervisor in XXXX XXXX XXXX XXXX. I asked her to stay on the call to assist me but she refused and said, " you can't hold me XXXX '' and passed me to a routine person who I confirmed XXXX times that I was being transferred to an Ultimate Rewards supervisor for Chase and I get transferred to a routine first call person and told that I needed to wait again for a supervisor. I am still on the phone waiting for another supervisor. I am sorry but all this to get a {$50.00} hotel reward credit that I am entitled too. They also keep giving me different answers on why it did not get processed but confirmed that it should have been given to me. The customer service and waste of my time I received was abysmal from a company that falsely identifies them as having amazing customer service. I would be extremely embarrassed if this was my company or if I worked for this company. I truly feel they try to transfer someone to another person to wear them down until they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In short, I paid off my car over a year ago and RBS Citizens has not submitted the paper work to the state to release the lien on my car. I go for a copy of my title and the State is telling me that there is a lien on my vehicle. I call RBS Citizens and they tell me that I have to pay to have a copy of the lien release letter sent to the state. They also claim that they sent the release letter to the state and they have n't sent it. Neither have they sent me a copy of my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ad astra has send a copy of a contract that I have with XXXX XXXX. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that Ad astra provide an agreement with XXXX XXXX that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation