BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-29
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Hello. My lease with Ally Financial was scheduled to end XXXX/XXXX/2016. I processed three 1-month extensions at the cost of {$320.00} each, which would have brought my new lease end date to XXXX/XXXX/2016. After I returned the vehicle on XXXX/XXXX/2016, I received a bill with {$690.00} in charges to cover " Daily Extension charges at {$30.00} per day for 23 days. Even though I paid {$330.00} on XXXX/XXXX/2016 to cover the final extension ( through XXXX/XXXX/16 ), Ally insists that my lease ended XXXX/XXXX/2016. On a call at the end of XXXX I was told that my last lease payment was short {$60.00} and therefore the money was returned to me and the lease was not extended to XXXX/XXXX/2016, and therefore I incurred {$690.00} in late charges. The problem is that I never received my {$330.00} payment that they said they returned from XXXX. I just spoke to another representative who let me know they they did receive my {$330.00} payment in XXXX, but that it was n't for yer extension and he could n't tell me if it was returned to me.

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 2020-04-07
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter dated XX/XX/XXXX from Dynamic Recovery Solutions in an attempt to collect a debt in the amount of {$5700.00}. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account before I even received the letter from Dynamic Recovery Solutions. This was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name XXXX XXXX XXXX ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. Please be advised I have requested VALIDATION { not verification } ( Notarized and Emailed on XX/XX/XXXX -- Still Within The 30 Days of XX/XX/XXXX ) of an item sold to Dynamic Recovery Solutions by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
This complaint is totally different from complaint no. XXXX. 
I am unable to get a copy of my credit report, secure the status of my disputes, speak with the contact person who called me one time and will not return my calls, and several companies have requested that negative accounts be deleted and yet TransUnion will not delete these negative accounts. Lastly, names are on my account are not correct. I am being told not that only the " Priority Department '' can pull my file but no one answers or returns my call. TransUnion has names that are not mine and negative files that should have been deleted.

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 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I want to dispute a collection posted in my credit report from XXXXI had an account with XXXX until XXXX XXXX on that date closed the account but they said it was an outstanding balance. I did not agree with the that but XXXX started calling me every day and send me letters and finally they sent the information to credit bureau. when I saw this I decided to pay that amount so in XX/XX/XXXX I made two payments, the first for XXXX usd made by my credit card XXXX XXXX, the second for XXXX usd made using my debit card XXXX XXXX XXXX. Despite having paid comcast he continued calling me and sending me letters demanding payment. In XX/XX/XXXX I made a dispute and they temporarily removed the information from my credit report. Later I received a phone call from an agent telling me that XXXX was not able to find the payments so I send them the statements of XXXX transactions. This month comcast appeared again reported the debt to the credit bureaus even when I sent my payments proof. I would like to know where are the payments that I made. Even if I paid again what security i have that the same will not happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: MONEY SOURCE, INC., THE
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I learned my information was involved in a data breach. I refinanced with a company last yeand he last year and I noticed a drop on my credit report of points. When I reach out to the lender of the money source they stated that someone has submitted a payoff request for my mortgage however this is something that I did not authorize. I reached out to the company several times and they still have not changed my phone number or my email address or my contact information and they are trying to sell my mortgage out from underneath me. They are committing friar. I have reached out to the social security office the police authorities the federal trade commission the FBI and I am at a loss what to do from here because I am being ignored Please reach out to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The U.S. Department of Education has illegally re-aged my account and has refused to deliver any documents and payment history regarding my account. These are serious violations of the FCRA, and are causing severe damage to my credit reports. I have been in communication with the U.S Department of Education since XXXX oXXXX XXXX. I sent an official letter on XX/XX/2022, requesting any and all information on my account, including the date of first delinquency. These documents have not been furnished, I have sent other letters from XXXX, XXXX. XXXX, XXXX, XXXX of XXXX  and still not received any documentation and the illegally re-aged accounts are still on my credit report, when they are too old to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My XXXX and Transunion reports are saying that I am utilizing over half of the available credit I have, because they are reporting that two of my cards that have a XXXX balance, still have the balance prior to my paying them. What 's odd is that right after I paid these two cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, 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 explanation
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
State: NJ
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:
Equifax shows a collection my account with no information on who original debtor is all it shows is {$160.00} collection account this is my 3rd request and NO response this is obviously fraudulent and my SS # has been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: GA
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 have a bankruptcy that is reporting on my report. It is a chapter XX/XX/XXXX that by law and the credit reporting companies on statements is supposed to be removed after 7 years. 
I filed the bankruptcy in XXXX, it was confirmed in XXXX and we completed the plan in XXXX. The seven year mark was in XXXX of XXXX. 

We have requested that all three major credit bureaus remove the data, per law and their own statements, but they will not do it. Its is still showing at all three major bureaus and we feel we need help to get it removed. 

I have requested removal on XX/XX/XXXX and again, after being denied on XX/XX/XXXX with no response. 

We received our final order and release on XX/XX/XXXX. ( copy attached ) So it has now been

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 2020-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a second complaint to the initial one submitted in XX/XX/2019. BofA called me to tell they would not be refunding me the XXXX because the fee is disclosed in the terms and conditions. I told them it's DECEPTIVE TO DISCLOSE A FEE OF {$1.00} AND THEN CHARGE ME {$3.00}. Apparently they think we all have time to review the terms and condition to try to find the accurate fee of {$3.00} when the screen says {$1.00}. I want my {$2.00} or will file a class action suit on behalf of all the customers that have lost {$2.00}.

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 explanation
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? Trans Union, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There are incorrect addresses being reported on my consumer report. 

There should be only one legal name that should be reported on my consumer report.

There should only be one phone number being reported on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried Experian product Experian Boost. Experian falsely advertise Experian Boost only looks for utility bills like cable, light, gas, phone and water bills. On XXXX XXXX Experian Boost put a rental agreement on my credit report causing a 30 point decrease in my credit score. Sent document of my credit report showing Experian Boost has added XXXX XXXX to your credit report. For {$780.00} plus {$1000.00}. 
Experian Boost illegally open a XXXX XXXX account in my name called XXXX XXXX. I have tried several times asking Experian employees and supervisor to remove this account and give me back my 30 credit points. They tell me it is impossible for Experian Boost to add the account even when they see it on my credit report. 
The way Experian Boost work you go to the website you enter your credit card number the system search for the bank and utilities in your name then it will give you some credit points. It does not allow an individual to add any other information not even your name. 
Experian told me to ask the company to remove it. I did but they state they can not because they did not add it on my credit report. 
Experian keep stating to me they do not know how Experian Boost added the fake account to my credit report but they are not going to remove 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 2019-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited {$210.00} cash into the capital one ATM machine located in XXXX California. The machine said there was an error and gave me my card back. The {$210.00} was not deposited into my account. Capital one has said they will investigate the situation. Capital one still has not started the investigation. All they can tell me is to wait and they will see what they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Account status incorrect

Complaint:
I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account XXXX  XXXX XXXX removed from my credit report. XXXX, TransUnion and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by TransUnion and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However Transunion and XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that Transunion made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party.

I did not give written permission to have the accounts added to my credit report.

I have also attached a recent copy of my FICO report to support and show inaccuracies.

This clearly violates my federally protected consumer rights

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 2015-05-30
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i have a account that was that was a utlity account back in XXXX with XXXX company ... ..the account was paid and closed in XXXX ..i have contact experian on several occasions and disputed that date that the account was paid with the company ... .and it was not varified it was just updated every time the dispute was made to a more recent date ... XXXX failed to confirm the exact paid date ... ..just kept updating the information to the current date that it was disputed ... ..the account was never a charge off ... .the company failed to varify the correct information ... .and remove the trade line resulting in a more paid in full charge off when it should been removed because the company could not varify correct information ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I accessed the FTC 's XXXX site to request a free credit report online from Equifax. After I entered my personal data and received the credit report, I noticed Equifax offered to provide my " credit score '' for a {$7.00} fee. Only after paying the fee and receiving the score did I become aware that the " credit score '' was n't the FICO credit score, but rather a so-called " Equifax proprietary score ''. Knowingly using suggestive, if not outright deceptive, language to unfairly profit from unsuspecting consumers is essentially a form of bait-and-switch. 

I referred back to the FTC website, who hosts the link to XXXX, to see if I could file a complaint, however, they refer consumers back to the offending credit bureau and the CFPB before they will get involved ( XXXX ). 

I am attempting to file a complaint with Equifax to request having my fee refunded, but I 'm not sure they 'll honor my request. I am sure there are untold numbers of unsuspecting consumers who are being similarly duped without realizing it and thus wo n't demand to have their monies refunded. 

Also, Equifax does n't appear to have the mechanism on their website to appeal the fee or request a fee refund. The only option I could find was related to inaccuracies on a credit report. 

I appreciate your efforts and advocacy on behalf of consumers nationwide and hope this could be an area where credit bureaus can be made to clean-up the way they do business. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: IL
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:
Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

Company response to consumer: Closed with explanation