BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-20
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX of 2015 I called Ally Bank and was asking about a refinance due to a job loss. 
I ended up doing a skip a month. However the agent put in the wrong que so I got charged for the refinance charge. I did not realize the mistake until I received a call about a pass due amount, which I did not owe. I have spoken to the bank several times, they have acknowledged they made a mistake, yet they will not remove the black mark. They tell they are but it does not happen. Last month I was turned down for XXXX new jobs because my credit rating dropped XXXX points. In checking, I see now that Ally reported me over 60 days late for a car payment, which is not true, its their mistake that is showing the error. I have called there to get this corrected but they just are not doing anything. I do n't know what to do and I need your help. Ally knows the mistake is on their end, but the collections do not take the time to read all of the history. This is causing me much distress and I am loosing jobs, that I badly need because of their neglect. Can I sue them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: Partners Financial Services Inc
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First a phone call and now letters stating that I owe them {$720.00} for a debt to XXXX University. Very rude on the phone stating I owe for tuition and demanding payment. I called XXXX University and they verified that I do n't owe them any money and they have never turned me in to any collection agency. The school also said they have had several students get calls from this company saying they owe money when they do n't. So this boils down to nothing more then a scam. This needs to be looked in to. the calls and letters are stating they will ruin my credit if I do n't pay them. I told them on the phone I do n't owe anything other then a federal student loan. They just keep sending letters. These kinds of scams need to be shut down. They are trying to prey on students trying to build credit and complete their education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/24 I requested a refund for my paid-in-full loans over the phone with FedLoan for payments I made during the coronavirus pandemic, according to the CARES Act. I was originally told that I would see my balance reinstated in 7-10 business days. I called back a few days later to confirm my refund request had gone through and they updated my wait time for balance reinstatement to 30 days. I understood that they were overwhelmed with requests, so I did not complain. I called back about a week later and they now say it could take up to 6 months to see my balance reinstated. In order to apply for loan forgiveness, I need to submit my application by the end of next year and I am starting to worry that my wait time is increasing exponentially. Furthermore, on my most recent call with FedLoan they lied to me and said they were sure that paid-off loans would not qualify for the one-time loan forgiveness program. The Department of Education clarified a couple of days later that my loan would, in fact, qualify. FedLoan shouldn't be giving information to borrowers unless they are sure about the guidance they are interpreting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern : My name is XXXX XXXX and my social security number is XXXX. 
My wallet were missing for sometimes. I had to go through a lot to get me and my XXXX granddaughters back our identity. It 's been awhile now but I had already gotten everything back then XXXX months later I received my wallet while we were in the XXXX. We have been in the XXXX system from XX/XX/XXXX to XX/XX/XXXX 
While I were in XXXX I had payed a lot of my bills off of my credit. Whe we came to XXXX XX/XX/XXXX my credit were okay. Now I 'm just getting an copy of my credit report and I see that I have other charges on my account like XXXX XXXX XXXX this account is played in full if this is from my landlord. I have stated to them to clean this account If you could please get him to send/ fax you something in writing that this account is played in full and remove it off of my credit report. 
2. XXXX XXXX XXXX XXXX - I have never ever applied for an XXXX credit card. I know this one is a lie. The account were opened in XX/XX/XXXX. 
I were working and living in XXXX. So I know that it were not me. This charge is really wrong. 
3.XXXX.opened on XX/XX/XXXX. For {$100.00} dollars. This were not me cause I were still living in the shelter and working XXXX days a week.please help me clear the matters on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied to a Chase Sapphire XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a 780 credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Chase Sapphire XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
lexis nexus is report an address and five claims that dont belong to me i never lived in ohio or had an ohio address these claims are not mind they said to contact the insurers and i did and they told me to contact lexus nexus i have a fl license never had an ohio one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i was sent a letter stating a proposed fee hike in monthly interest charges of 26.24 % to account balances which were already at 25.99 %. Also, an increased late payment fee of {$27.00} or {$38.00} ( which would be used was not specified ) during six billing cycles for past due accounts. The letter gave an XXXX number to call to reject to the rate increase, which I did. I received the attached letter as a result.

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 2022-05-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I placed an order from XXXX for a wig. The wig was needed for a vacation. Once I received the wig, days before vacation, I realized the wig was false advertised. The wig length was inconsistent, the wig itself was thinning and the lace was not HD as shown in the advertisement. I contacted the seller about this issue and they refused to take the wig back & refused to issue a refund. Therefore I decided to reach out to my bank Wells Fargo to file a claim to dispute this charge. The charge was refunded on XX/XX/2022 & the issue seemed resolved. However, on XX/XX/2022 Wells Fargo reversed this charge due to lack of documentation. I understood so I sent the documentations on XX/XX/XXXX. I called to reassure they had received the documentation & they said no. I resent the exact same documents on XX/XX/XXXX, XXXX, & XXXX to XXXX. I called back two days after each time I sent the documents & was told we have no documentation under your claim. I decided to give Wells Fargo Branch a visit, so they could fax it. The documentation was successfully faxed by associate XXXX XXXX and I was guaranteed theyd receive it. As of today, XX/XX/2022 Wells Fargo has confirmed the documentation still has not been received. Ive lost hope & I am furious with the lack of knowledge and help Wells Fargo has done. 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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX XXXX  put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind 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 explanation
Consumer complaint received 2015-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In regards to existing complaint/dispute # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX sent me a response indicating they inherited this matter from another firm. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX ( " XXXX '' ) of which XXXX. received this from Capital One. I am looking for a resolution from Capital One or XXXX, by providing original application, signatures, customer agreement, etc.., as that would conclude this matter, because I am certain this debt was not made by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have sent Capital One several letters but they have not replied to any of them. This is NOT my account! XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX. I recently put a fraud alert on my credit file. 

These are NOT my accounts. I feel that my ex- husband ( XXXX XXXX ) used my personal information to obtain money, credit, goods, loans, services, etc. He also shares my information with his current wife, XXXX XXXX. Please have XXXX REMOVE this account & their Tradeline from all XXXX major credit bureaus. Thanks you for helping me with these issues. This has been very stressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA DEPARTMENT OF REVENUE STATE TAX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX ( XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX

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 2015-09-28
Company: We Collect Inc
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i had a auto loan through XXXX that went into default they sold the debt to atlas financial atlas filed for a judgement and got it approved when filing a auto loan judgement the law is they have to file in the county you reside in they did not do this im in XXXX county XXXX the judgement is in XXXX county XXXX where ive never lived when they got the judgement they filed to the credit beurros both reliable and atlas filing against my credit for the same loan legaly they cant both file for the same loan after reliable sold the loan to atlas not filing in my county they should have never got a judgement i have sent several letters to the parties involved in this atlas financial and reliable credit and the XXXX beuros with no positive result i would like this off my credit report more than XXXX tactic they have used is not legal and they should not be able to report negatively please help me with this issue thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please refer to case number XXXX for the background information. 

After I settled the credit report issue with XXXX, I now have a FICO score of more than XXXX. But when I apply for a regular credit card, I again got declined saying the other XXXX credit bureau still have the collection record on my report ( which is not mine please refer to case XXXX ). I ca n't submit a dispute or check my credit status with any of them since I do n't have an SSN. 

Please

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 2022-05-28
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
All access put a restrictions on my NetSpend card with me and my kids XXXX come on than the company took XXXX when I was told I only owe XXXX I been crying all day I have called them over 25times today and yesterday about 10times now they trying to say I owe them for another account what was closed and I remember they said fraud was on my account years ago please help me my number is XXXX XXXX XXXX is my name

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 2015-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One has reported 30 days late on my credit report on XX/XX/2014, XX/XX/2014, and XX/XX/2014. This is incorrect as i had auto payments with them. It is not my fault that there automated system might had processed my payments late or posted them late.

Company response to consumer: Closed
Consumer complaint received 2016-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My XXXX credit cards issued by capital one was compromised and they replaced all XXXX cards accordingly. However, I am still being made to pay for the fraudulent charges made on the cards all the while they are saying an investigation is taking place there has never been a resolution to the investigation and yet I am still suffering from the overage as well as the restrictions of the card but have not used them. Not to mention its being reported to the XXXX credit agencies. They say I need to still pay and they reimburse but that does not make sense to make me the victim pay for them to reimburse when in fact they have not done anything in regards to this incident. I spoke with several people in the fraud department as well as collections to no avail. Everyone is looking into it but no resolution. Its been under investigation since XXXX and its now XXXX and nothing has changed except new cards with the same fraudulent balance transferred over to new cards. Please help bring resolution to this very awful ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Trans union broke the law when their computer system had a glitch and all inquiries were deleted as a result of their faulty system. However according to the Fair Credit Reporting Act you can not reinsert something that was deleted due to your faulty equipment or mishandling and that is exactly what trans union did reinserted those inquiries which is illegal. I am asking that those inquiries be removed permanently from from my file

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 2017-01-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have paid this bill and i ask 4 it to be remove i was told it would take place win i pay but it is still on my 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 2022-05-28
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:
The Credit Bureaus stated my accounts were properly investigated Complaint ID : XXXX Complaint ID : XXXX Complaint ID : XXXX but how is this possible if the opening date is inaccurate, and the date last reported is not accurate. This is grounds for removal, that also violated my rights under 15 U.S.C 1681 Section 602 A. States I have a 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.

Also the Credit Bureaus took more than 30 days to complete my investigation.

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