BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: ALLY FINANCIAL INC.
State: MS
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:
On XX/XX/XXXX I submitted a dispute to the CFPB ( XXXX ) against Ally in regards to Ally reporting an account past the seven year statute of limitations. Ally responded on XX/XX/XXXX. It had an attachment that contained several pieces of paperwork. In that paperwork it included a payment history of the account. The payment history displayed the first date of delinquency occurred in XX/XX/XXXX. XXXX 's law dictionary defines delinquency as " a debt that is overdue in payment ''. ( XXXX 's law dictionary, n., XXXX, XXXX XXXX. ) XXXX from XXXX XXXX XXXX stated that the first date of delinquency is on XXXX XXXX. She also states that the information will remain on my credit report. This is a direct violation of federal law and Ally is willfully violating federal law. Ally is aware of the first date of delinquency because Ally provided the paperwork with the first date of delinquency. I have attached the letter Ally representative wrote and the payment history that was included.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries for a mortgage loan from some random source i have never heard of, from a XXXX XXXX I have never applied for a mortgage loan in my life.

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 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One put a late payment on my credit report from 2017 that I was unaware of And will not remove it they never contacted me about the late payment I have sent several dispute letters to the office and the issue still havent been resolved Capital One is in violation of the law 15 us code 166b and 15 usc sec 16181i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Folks that are set up with automatic payments with Capital One is still being charged late fees on their accounts I've spoken with three family members and my wife and I also. We went back through our statements till XXXX and found it every month they hit us for {$40.00} and {$28.00} on an additional card through Capital One these are accounts that are set up for automatic payments. Automatic payments are supposed to prevent late fees I wonder how long they've been getting away with it called them they would only reimburse last month 's charge. They would not reimburse the other ones that we brought to their attention on our statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Several different places hit my report with the same stuff buy this is done by XXXX XXXX I know. She always runs my credit for cars and phones

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 2022-03-01
Company: EQUIFAX, INC.
State: FL
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: MS
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 sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2021-06-08
Company: Byrider Franchising, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CNAC representatives say I owe over {$9000.00} to them for a vehicle I have not had for 8 Months now and even with showing physical letters that were sent to me by them with dates, and also submitting Disputes it remains on my Credit and has stopped me from getting another Vehicle from anyone else, I have been without a vehicle for over 8 months and my Credit took a Huge hit from this Debt that I have Proof I owe them {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Capio Partners, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 Capio partners I have called and asked several times to send me a letter in writing they will not send me a letter in writing they said they would send me an email and I would need to pay over the phone and they continue to call and call and call and I continue to ask for it in writing and they deny me I will not pay over the phone and they will not send me a letter in writing. I have tried to clear this debt up but I will not do it over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: GLA Collection Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are several collections listed on my credit file through the same company. I never received a notice in the mail or actual verification and I have disputed several times. I uploaded what this company provided to me for validation. There is NO WAY these charges belong to me. Where did I sign to authorize? What was done to accrue these charges? 



Please help, the information listed shows as follows seven accounts total GLA Collections {$1600.00} {$1000.00} {$560.00} {$560.00} {$560.00} {$560.00} {$560.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Netspend Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Several different places hit my report with the same stuff buy this is done by XXXX XXXX I know. She always runs my credit for cars and phones

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2017-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX are IMPOSSIBLE to deal with this small debt charge has caused me nightmares. They were unhelpful and got me wrong info every time i called for hours. 

When i first got this issue I asked a colleague who does debt repair for advice. He asked what agency had the debt I said XXXX XXXX and he let out a big sigh. He said they are one of the worst to deal with CapitalOne sent bill in XXXX to an address I moved from in XXXX which i updated with the post office. That is public record but i have to blot out the address per the guidelines on this site. 

Instead of contacting me by phone or using my real address they sent to debt collector. Also note I have a different active capital one credit card ( which i can not cancel now since it will wreck my credit score further ) so they have my info but they never sent the bill Furthermore, even if i got the bill i would still not know if this charge was legit or not. Still today i have NO knowledge of what that {$130.00} charge ( which i only received via debt collector ) is for. Nor is CapitalOne or the debt collector able to provide ANY info on what that charge is for. 

I never used this CC once and opened it supposedly 9 yrs ago. Only charge ever was in XXXX which i have no knowledge of and is the one CapitalOne sent to debt collectors XXXX XXXX My wife 's purse was stolen in XXXX which we reported to local police and XXXX ( which did a 90 day credit freeze ) and to all our credit cards that we know of - it could be related but i am not sure Either way capital one aand XXXX  XXXX were totally irresponsible and this should be stricken from my credit score. 

Now i am spending months with XXXX and thousands of dollars in poor rates and to pay XXXX and XXXX XXXX still refuses to budge on this and my credit score is down about 70 points because of that. 

I despise this company and hope the FTC takes action against them. Also if you have a choice ( although I doubt you will ) NEVER use XXXX  XXXX for debt collection I hope a lawyer could help me since I would like to speed up this process of removal and would be happy to talk to someone competent at either XXXX XXXX or Capital One and modify review if they could remove this charge, but to date I have not found a competent person at either. 

I would also be happy to talk to media or anyone about this on the record since the whole credit repair process is so ridiculous and unfair. And I am sure people here have way worse stories than I do and would like to help bring light on this in hopes that the process changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX  Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

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 2017-08-30
Company: CBA of GA, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company in question is CBA ( Credit Bureau Associates ) reports a medical account to all three reporting agencies without notifying me at all. my first and only correspondence from this company stated that they submitted this information to all three reporting agencies to reflect unpaid collection account on my credit file. my notification also stated that now its time for me to create a pattern of positive credit management and neglecting this issue will only encourage further actions without further notification. the nerve of them they clearly handle accounts without proper notification. All of the BBB complaints about this company say the same them which is they do n't notify you until after they reported the item to your credit. My balance should only state that I owe {$1300.00} not {$4000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/202XXXX 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 TransUnion Credit Report XXXX XXXX : Organization : 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 2022-07-18
Company: EQUIFAX, INC.
State: FL
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 recently reviewed my credit file and unfortunately found that some of unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following unauthorized inquiries from my credit file within the next 15 days. 
XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My lease end date was XX/XX/2022. 

In mid XX/XX/2022 my vehicle was involved in an accident. 

I was given instructions by my dealership to take the car to their certified repair shop, which I did on XX/XX/2022. 

I was instructed to extend my lease and continue making payments while the vehicle was being repaired. I have been continuing to make payments past my lease end date. 

I was informed by the dealership and the repair shop that parts to repair the vehicle are back ordered over one year.

Because of this, they are expecting me to continue paying for the vehicle even though it is not in my possession and my lease was over in XXXX. 

Chase has confirmed that they have " grounded '' the vehicle and that it has been out of my possession since XX/XX/2022. 

They have instructed me to stop making lease payments. 

The account, however, shows open and past due in my Chase account. 

Chase escalations told me today, on XX/XX/2022, that the account will remain open on my credit until the vehicle has been repaired and sold. 

This is clearly unacceptable. I have done everything I have been legally required to do according to my lease contract. 

I have faithfully paid all of my payments and the lease is over. The dealership 's repair shop has been paid all of the repair fees from my insurance company. 

This delay exists due to a lack of parts available to make the repairs. 

This should not be my concern and this account should be closed. 

I have spent over 20 hours on the phone the past three months dealing with this without any clarification on appropriate recourse.

I am being told different information every time I call : that my credit may or may not be impacted, that they closed the account and that the account can not be closed, that it's the dealer 's issue to deal with and then the dealer tells me it's the bank 's issue to deal with.

Please help me, I am being forced in circles and told that due to the complexity of the situation, I just have to wait and see if my credit will be negatively impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: Resurgent Capital Services L.P.
State: AL
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 have faxed over a copy of my driver license, social security card, and my utility bill and I still haven't received anything from them. It have been three months. XXXX knows I never gave them written instructions to put false stuff on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Commonwealth Financial Systems, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Commonwealth Financial Systems continues to list an account who 's delinquency with XXXX XXXX XXXX occurred on XXXX XXXX ( according to XXXX XXXX as XXXX that opened on XXXX XXXX the day that they acquired the account. The lack of clarification works to deceive potential creditors into perceiving this as a recent default as opposed to one that is over 6 years old. I have been unsuccessful in my attempt to address this matter earlier in the year, both with XXXX and XXXX. Any help that you could offer in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. DEPT/OF EDUCATION/XXXX  Has fraudulent accounts on my credit profile that needs to be removed immediately.

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