BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX, XXXX. I received a special sales promotion paper to purchase a car at wholesale prices..I purchased a XXXX XXXX XXXX ... through XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX , Michigan ... ... one of my friends went with me and we were at the used car lot for 5 hrs on that Friday evening. Several false answers were given to us by our used car salesman that said the XXXX dealer across the street had nothing to do with this sale, also that my friend would not be a co-signer ... .my last question to him about the car purchase was, I am XXXX yrs older than my friend and if something happens to me they wo n't come after my friend for the money for the car, because he ca n't afford that ... I was told, " do n't worry, you have equity in your car.. My friend started getting all the mail regarding my car deal..approximately XXXX denial letters came with his name on them from various credit unions ... also the proof of auto insurance only had his name on it ... that is when a red flag went up in my mind that something was very wrong with the deal. I can not be put on my friends car insurance as a driver as I do not live in his household ... on the title we are both the car owners with him being # 1 the owner and me # 2 the co-signer ... he can not afford the car and I can not afford the price of the car insurance put in my name ... my friends car insurance agent told us there is no such thing as having " equity in my car '' I asked the right questions, but we were both lied to ... .if we give the car back, we both will have a repossession on our records ... .I am currently awaiting a call from Ally Bank to notify them of how this deal went down and can they help us in this current situation ... ... thanks for your attention ... ..

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom it may concern : I believe my rights as a consumer are being violated by XXXX. Specifically, I am trying to purchase my first home. During the mortgage application process, while applying for a home mortgage, I learned that there was a delinquent item from XXXX reported on my credit report. This delinquent item is severely impacting my ability to secure a home mortgage. In addition, even if I am approved for a home mortgage, I will be paying a higher annual percentage rate ( APR ) for my mortgage due to inaccurate reporting by XXXX. My credit profile and my credit scores are being negatively affected and as a result of the erroneous reporting. As such, I demand that XXXX remove this erroneous reporting immediately. 

As a consumer, I take great pride in my credit and realize that the cost of credit is partially based on my credit history and my credit score. I am praying that Consumer Financial Protection Bureau ( CFPB ) take immediate action to cure the injustice to my credit report. 

Please note that I was a longtime customer of XXXX for many years. In 2016 I moved from my apartment and into a new residence. Upon moving I completed an address change with the United States Postal Service to ensure my personal mail was forwarded to my new address. 

Further, when I moved, I canceled my XXXX plan and moved my cellular phone service to XXXX XXXX XXXX. I received a final bill from XXXX and paid it accordingly. After moving, I had no subsequent communication of any kind from XXXX. Then, approximately 90 days after moving and being on the XXXX XXXX XXXX plan, I received a call from the collection department at XXXX. I was told that I was liable for an early termination fee of approximately {$200.00}. It should be noted that I was not aware of the fee, nor did I ever receive any billing of any kind whatsoever. At the time, I didnt want to fight with XXXX so I paid it. 

However, prior to paying the alleged amount due, I specifically asked XXXX if anything was going to detrimentally affect my credit. XXXX assured me that there would be no reporting of any derogatory items to any of the 3 credit bureaus ( XXXX, XXXX, Transunion ). As such, I paid the amount they claimed I owed them. I assumed that the amount was paid in full and the account closed and no derogatory reporting on my credit report. 

Thank you in advance for your review into this matter. I sincerely appreciate your help in resolving this matter. Please do not hesitate to reach me should you have any questions or require any additional information. 

Very truly yours, 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 2017-01-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I filled bankruptcy in order to prevent my home from entering foreclosure as a result of my husband, then, mischeivousness. In XX/XX/XXXX, I divorced my now ex-husband XXXX. With this divorce he relinquished all rights and all claims associated to my present residence. It took me several months to acquire my mortgage and the change of address and my mortgage statement coming to my home address. I have had several correspondences with Wells Fargo regarding the assumption of the Home Equity Line of Credit. According to my lawyer, I should take the divorce decree and have them transfer the Line of Credit in my name. I have also made payments without acquiring a statement of receipt. In addition, I furnished them with an entire copy of my divorce decree ( page 3, Article 2 ) stating that " the husband shall surrender any and all claims to said property, and that husband should cooperate fully in signing and documents of said property ''. To no avail, they refused to make changes even though its based on higher hierarchy- Supreme Court of the State of New York . I 've made several attempts to make amendments but, they refused to converse with me due to the fact I 'm not the holder of the Equity Line of Credit. Equally important, I received a document from the United States Bankruptcy Court which clearly states at the bottom " Other payment change : Will there be a change in the debtor 's mortgage payment for a reason not listed? the box checked yes. and the reason for change is Payment change resulting from an Equity Line of Credit ''. It may not have been included in the initial bankruptcy documents however, changes and funds are being withdrawn for payments and they are not being applied based on the documents on-hand.

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 2016-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been getting several alerts in regards to me applying for credit with various companies that I have n't applied for credit with. I contacted TransUnion and explained about the inquiries that I did n't authorize. I was told that an investigation will be done. However, I have n't heard from them and I want these inquiries to be removed immediately. I was recently working with XXXX and after I was n't satisfied with their services I ended the relationship. Every since then I 've been getting inquiry hits after hit. I have a fraud alert since I am a victim of identity theft and none of these companies have called me to confirm if these are in fact me applying for credit as I have requested. Please find the screenshots and the listing of the inquiries below. 
1.XXXX-XX/XX/2016 ( Have Proof From Company That Inquiry Should Be Removed ) 2.XXXX-XX/XX/2016 3.XXXX-XX/XX/2016 4.XXXX Card XX/XX/2016 5.XXXX- XX/XX/2016 6.XXXX-XX/XX/2016 I 'm requesting a security freeze since the notice on my bureau is n't being honored.

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 2016-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
As I continue to attempt to get Wells Fargo to actually do what is right for once, I wanted to make sure that the CFPB is aware of what Wells Fargo representatives tell their customers. 
When I mentioned to XXXX, Loss Recovery Specialist, that contracts are a two-way street and that the terms of our agreement would also apply to Wells Fargo, she stated that this was not the case. In fact, she asked " did Wells Fargo borrow money from you? '' I find this disregard for basic legal principles to be truly appalling and given these positions, it is not surprising that we are becoming aware of one Wells Fargo scandal after another. 
According to XXXX 's logic, the terms of any agreement with Wells Fargo, only apply to the customer but Wells Fargo is somehow free to completely disregard them? So if I sign up for a credit card with Wells Fargo with an APR of 18 %, Wells Fargo is not bound by this? They could charge 30 %? 
Needless to say this is entirely inaccurate. I would greatly appreciate if someone at the CFPB would request a copy of my call with XXXX from XX/XX/2016. 
Sadly, given the arbitration provisions of Wells Fargo contracts, the CFPB is really the only way to hold this organization accountable.

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 2022-10-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at around XXXX, {$8000.00} was transferred from my savings account to my checking account without my permission. No other person had access to my debit card at that time. Then XXXX unauthorized transactions totaling at {$4900.00} which left me with {$3000.00} was used on XXXX XXXX which is a XXXX XXXX  company. I called Wells Fargo immediately and reported to them the unauthorized transactions. They said that it would take XXXX business days to review the claim that I made. They have also turned off my previous debit card off that same day and issued me a new one. On XX/XX/XXXX, I called Wells Fargo wanting an update on the claim I made. In short, they needed more time to review my claim and temporarily credited me {$4900.00}. On XX/XX/XXXX, Wells Fargo notified me through email that their investigation is done and will send a detailed letter by mail. I received that letter on XX/XX/XXXX. It said that based on the information I had given them that the transactions were authorized by me or someone who had my permission, and the temporarily credit of {$4900.00} will be reversed within XXXX business days.

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 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion 's online XXXX step credit dispute does not work. 
I could n't progress beyond page XXXX because it would n't accept my numerical address. 
It asked for an '' alpha numerical '' number? 
I 'm going to write them, snail mail. It will take less time. 
I need to report that someone from XXXX XXXX reported it as my phone #. 
Also someone from XXXX, XXXX XXXX reported it as my phone #.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I notified American Express in advance that my payment was going to be late that was due on XX/XX/2021 because the XXXX XXXX made a processing error that was no caught in time. I received a phone call 5 business days past my due date on XX/XX/2021 from a Debt Collector harassing and threatening me to cancel the check and wire funds immediately. The Debt Collector requested I make an additional payment instead of the original amount. I did not cancel the check. American Express received the check same day. I also had to ACH additional funds because American Express kept freezing and putting my account on hold. I was not able to use my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Company: RIA FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2022 I went to Walmart, store # XXXX and wanted to cash a small check which they do, and wanted to add money to my debit card through their bank, which is XXXX bank. They said at the cust. service that all those transactions are down, and are always down, and their company will not upgrade their software!!!!!!!!!!!!!!!!!!!!!! And this is happening ALOT!!!! I had to drive to the actual XXXX bank, ( because this one did not have a XXXX bank in it!! Which it shoud by the way!!! ) And I had to drive over 30 mile round trip to deposit money!!!!!!!!!!!!!!!!! I called their cust service line through their corp office, was supposed to get a call back from a supposed marketing manager a week ago, nothing!!! I want to be given a gift card from them to compensate for all the gas I had to spend to deposit money on my debit card, and to cash a check!!!!!!!!!!!!!! 
They need to be thoroughly investigated by the law NOW!!! THEY HAVE NO EXCUSE FOR NOT UPGRADING THEIR SOFTWARE FOR MONEY TRANSACTIONS, THIS IS A QUOTE FROM ONE OF THEIR EMPLOYEES ACTUALLY!!! THESE RIGHT WING XXXX XXXX XXXX  RIP OFF ARTISTS SHOULD BE FINED TO THE MAX!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters on XX/XX/21, XX/XX/21, and XX/XX/21. I have still yet to receive any response from the credit bureaus. I've allowed ample time for them to respond to my disputes but they have failed to respond. along with this complaint, I am sending another letter to the bureaus for them to delete the accounts in question

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am serving on XXXX in the XXXX XXXX XXXX. My family and I have received orders to report to XXXX in XX/XX/XXXX, our exact date of departure is undetermined. 

We are permitted to take a vehicle with us to XXXX. The company which ships the vehicles requires either a clear title, or a letter of approval from a vehicle lien older. Sometime in XX/XX/XXXX I contacted Ally Bank and requested a letter of authorization to ship my vehicle to XXXX. I was told they would not be providing me such a letter. 

I purchased my vehicle back in XX/XX/XXXX. The total cost of my vehicle was over {$17000.00}. My vehicle is currently worth {$6000.00} and I currently owe approximately {$7000.00}. I do not have the funds available to immediately pay off the remaining balance. I have contacted other banks asking about refinancing the vehicle and was told they wo n't do it because the value of the car is less than the amount still owed. I am current on all payments on my car loan. Although I was late making XXXX payments over the past four years, those payments were made very shortly after their due date. 

Having a vehicle in XXXX would help my wife and children tremendously. If I am not allowed to ship my vehicle, I have no idea how or where I would store the vehicle for the three years we will be stationed in XXXX. 

I do not have a copy of my financing agreement with Ally readily available, as nearly all of my personal belongings are packed up and ready to ship XXXX. Even if such a clause exists in their financing agreement prohibiting transporting vehicles outside the country, I believe such a clause would be unconscionable for military service members. I do n't know if it is Ally 's policy to not provide any service member with this type of authorization letter, or if I am being singled out for some reason. Regardless, I would have never financed with Ally had I known they would deny me the ability to take my vehicle with me to an XXXX duty station. I am requesting any assistance available in obtaining an authorization letter to ship my vehicle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: JFQ Lending, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received letter from JFQ Lending. 

Titled - " Understanding Your Available Funds Report '' Toll-Free # - XXXX The letter indicates there is money available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hunterwarfield debt collection company and I reached an agreement where I would pay {$2100.00} to settle a debt owed to springfield apartment and they would report the debt to Credit Bureaus as paid and closed. I finished making the payment on XXXX/XXXX/15 after XXXX payment and as of XXXX/XXXX/15 which is XXXX days later they have failed to report the debt as paid. I have spoken with XXXX and they inform me that Hunterwarfield has not reported the debt as paid even though customer representatives at Hunterwarfield keep telling me they have. At other times when I call Hunterwarfield they hung up on me. I would apprecaite assistance with this issue as Hunterwarfield promised me they would take 30-45 days to update the credit bureaus and have refused to do so and keep lying to me that they have.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I never applied for credit card to Amazon / CHASE OR any other agency such as XXXX, XXXX XXXX, XXXX XXXX, XXXX etc. Today I got a AMAZON.COM REWARDS CREDIT CARDS FROM CHASE BANK. 
THOSE COMPANY RAN MY CREDIT SCORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a Chase XXXX checking account on XXXX XXXX of 2016. I wanted to use a coupon offer I received in the mail for {$300.00}, I provided the coupon when I opened the account. I have met all the requirements that were required to receive the {$300.00} bonus, I have asked several times for them to honor the coupon and my requests have been ignored. It has been nearly 3 months and I have yet to receive the {$300.00} bonus that Chase has promised me. I have no choice but to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was not able to open up a checking account and I then ordered my consumer report many banking accounts were opened in my name and I believe were used for fraudulent actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have confirmed I have not provided authorization for Navient to auto-dial or robo-call my cell phone. Despite this being noted in my profile information I have received numerous phone calls from Navient, which upon answering, a followed by long pauses before the representative responds to me answering the phone. These calls have occurred from XXXX and were received on XX/XX/XXXX at XXXX, XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX in recent call history from my cell phone. I consider the frequency of these calls to be harrassment considering my account was less than 30 days late and would like their business practices investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
they promised to take off my credit report after i had paid the bill ad ever done so written several letters and even called

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