BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a pay to delete letter on XX/XX/22 to Amsher Collection Services. It is now XX/XX/22 and I have not heard anything back. This collections is hurting my credit and I am doing my best To handle the situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Other fee

Complaint:
I have had a long history with what is now Capitol One Credit Cards and it has been completely unblemished. I have been asking for an account upgrade to XXXX without an annual fee and although I have been told that I would soon be getting an upgrade offer I have yet to receive XXXX in 4 years. I have always paid more than the minimum have usually carried a balance and the rest of the credit report is great. My financial status has improved greatly since I first opened the account in XX/XX/XXXX with XXXX and since Capitol One took it over in XX/XX/XXXX it has still improved. After many calls to the company for the upgrade to eliminate my annual fee I was told that I had to wait for the fee to be assessed. I did indeed call after the fee was assessed and still had to talk to XXXX people to get it done. I opened this credit card 9 years ago to establish good credit in my name and was told that this was the way to start and that the annual fee would eventually be dropped as I showed my worthiness over the years. I had no control of Capitol One buying the company, but still I have done more than show my worthiness to have my account upgraded to XXXX without an annual fee without having to close this account and starting a new XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 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 a 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 2017-04-12
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I mailed a debt validation letter to Calvery Port for a XXXX Credit Card. However, I have not received a response in way over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Ally Bank had an account for my XX/XX/XXXX XXXX XXXX. The lease was paid off in late XX/XX/XXXX but the dealership never sent Ally Auto Financing a check due to a termination of an employee or something like that. I was on the phone with an executive account manager from Ally from Florida for a week. Finally the dealership sent her the check and the account was alleged to be paid in full. When I log on to my old Ally account in fact there is nothing there -- -. But. A recent check with XXXX XXXX shows that I still have an account with Ally for $ XXXX. XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to any of my many requests to investigate and remove accounts from my credit report that do not belong 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 explanation
Consumer complaint received 2016-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit cards has been cancelled by Capital One. I have XXXX different accounts with Capital One. Upon learning that my cards were cancelled I immediately contacted them to find out why. XXXX card I understood their decision. As for the second card, I have had the account for 4 years, 11 months. I have NEVER been late. Last month a fraud issue effected my bank account. My bank account ended up being overdrawn as a result until it was investigated. At that time, I was unable to reverse the payments I set up because they were already processed through Capital One.This caused the payment I sent to Capital One to be returned unpaid. This was the first time I had a payment returned on this account. As a result of the returned payment they closed the account. When I asked the fraud department, whos name was XXXX ( employee ID XXXX ) she said even though this is the first returned payment on this account, my checking account was also used to pay a payment on another credit card that was also returned, so the investigator closed both accounts. Is this really legal?? How does the status on XXXX account affect the other when they are totally unrelated? Why would a company close a account that has never been late with its first return payment almost 5 years after it was opened? I read the Credit card agreement from Capital One and read the Credit Card Act signed by Obama and it does state anywhere that XXXX account will be closed based on the status of another account. I find this to be illegal. This has jeopardized my credit reports which is now going to keep me from buying a home after saving and working so hard to be in a financial situation to buy a home for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I obtained a Line of Credit second mortgage loan from USAA Federal Savings Bank which was SECURED by a lien they filed with the Clerk of the Court on my residence in XXXX. This residence was sold at auction by the Clerk of the Court of XXXX XXXX, Florida as a result of an illegal foreclosure suit filed by XXXX XXXX, principal of XXXX XXXX XXXX XXXX, a Florida corporation. This was a home that I owned outright, having paid cash in the amount of {$100000.00} in XXXX XXXX. XXXX XXXX, using a straw buyer corporation that he set up to conceal that he was the buyer, purchased the home at auction for {$30000.00}, after having agreed in writing with the Clerk of the Court that he was liable for all lien debt attached to the deed of said home, and for its repayment. Instead of collecting satisfaction of this lien from XXXX XXXX via his straw buyer, USAA Federal Savings Bank instead illegally reported this lien debt as being a consumer loan which I had defaulted on, which was patently untrue. The {$17000.00} ( approx. ) lien loan transferred to XXXX XXXX when the deed was transferred to his name, automatically, in accordance with Florida law and Federal law. I will gather all documents proving this and forward to CFPB. I request that your agency resolve this incorrect and very adverse information that USAA Federal Savings Bank reported to the credit reporting agencies, and that you sanction and fine them for this very, very harmful act!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

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 2022-05-30
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-16
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without 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 719transunion 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2015-08-21
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been a XXXX cellular customer for over XXXX years until the year of XXXX. XXXX promise there customers that for an upgrade fee and renewal of the cellular contract, the customers will be getting XXXX cellular service. I renewed my contract thinking I was going to get faster cellular and internet service. This offer was back in the XXXX. After I accepted this offer I did not get XXXX service, instead I got slow connections and a lot of missed and dropped cellular calls. This went on for months and XXXX did not deliver as promise. After I contacted XXXX and tried to get an explanation, I got a lot of apologies and no result or change of service as promised. I then contacted them and told them that the lack of their promised service which I was paying for was a breach of contract and I was not getting service as indicated in the cellular service contract. I then spoke to someone in sprint and they apologized for this inconvenience and I ended my contract and switched to XXXX cellular service. After a few months with XXXX, I received a collection notice from XXXX advising that I owe them money for breaking contract. I thought to my self wow after they did not deliver service as agreed on their contract they want me to pay after I spoke to them and they agreed that they were not delivering the service as promised because of some issued they have with a XXXX contractor. This is an unfair business practice and I immediately contacted the XXXX, XXXX and XXXX to notify them of this issue. This was back in XXXX. After the investigation was made against XXXX collection department ( Diversified Consultants ) they found that it was not accurate and deleted them off my credit file. Now this year on the month of XXXX, XXXX re-reported the collection as if it was a new debt using Diversified Consultants to XXXX, XXXX and XXXX. I then sent XXXX, XXXX and XXXX a letter notifying them that this was a duplicate collection and that the contract was legally broken and I did not owe then any money. Well unfortunately this time XXXX, XXXX and XXXX refused to delete the information and wo n't recognize this as an invalid debt even when it is an invalid debt. Please help me to resolve this issue and stop this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have had numerous issues with XXXX. This particular issue is that as I am working to rebuild my credit following a bankruptcy, I have an auto loan that I had prior to filing my Chapter XXXX bankruptcy. I reaffirmed the debt and had to dispute with XXXX that the amount was n't in bankruptcy. After that was finally resolved, they continue to report that my account is closed. I have disputed this no less than five times, online, by phone and in writing. This is a company whose sole purpose is to fairly report credit and they had done absolutely nothing to confirm that my account is open and current or they would have accurately reported it. XXXX does n't seem to do any due diligence in trying to accurately report credit for consumers. Moreover, they have reported payments being made after my account was allegedly closed ( because it is still an open account ). This is just one of the recent problems I have had with Transunion. This is important to me as I am rebuilding my credit and having an open, current car payment loan is good for me and hopefully my next car loan wo n't be at 12 % interest when current interest rates are 3-4 %.

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 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
After some research on my part, it became apparent to me that an identity theft was facilitated by a security breech at Transunion Credit Bureau. On XXXX/XXXX/16 someone other than myself contacted Transunion on-line and received a free credit report, that was e-mailed to that identity thief. With the information obtained, XXXX retail credit cards were subsequently opened or attempted to be opened at XXXX ( through XXXX XXXX XXXX XXXX XXXX ), at XXXX, and at XXXX XXXX. ( I was contacted by XXXX XXXX XXXX XXXX XXXX and XXXX by phone on XXXX/XXXX/16. ) When I tried to get a free credit report from Transunion, I was denied because I had supposedly already received a free credit report recently. After multiple phone calls, I discovered that someone posing as myself had received a free credit report on XXXX/XXXX/16. After some more phone calls, I was unable to find out how this breech had occurred, where the credit report was sent ( they refused to give me the e-mail ), or any information about what my rights were, other than giving me an address to file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.

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: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I have a major complaint against PayPal. My friend and I tried to use PayPal to transfer money to pay for personal use, and PayPal, without warning, cancelled our transaction, froze the money for 6 months, and permanently banned my friend 's account for reasons unstated. 

When we called PayPal to resolve the issue by offering to validate our account as not fraudulent, created by a third party, etc... they refused at multiple layer of customer service saying the decision was " permanent '' and there was nothing we could do. They have effectively stolen {$1000.00} USD with no way to claim it back. 

I tried to call again, but this time with both of us on the phone as two different PayPal users making the transaction to vouch for my friend. We waited through 4 layers of customers service, reauthenticating, being placed on hold, and after 2 hours, we were on hold and disconnected by PayPal. 

PayPal 's unfounded decision-making, lack of redress options, and ineffective customer service has left us no other choice. Typical Americans can not afford to access the legal system to hold a company like PayPal accountable for their decisions and they know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: High Point Asset Inc
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recently I was contacted by High Point Asset, Inc. and told that I had XXXX Pay Day loan debts that were out standing. My home address that High Point Asset, Inc. provided was incorrect, but they did have the correct bank account information. High Point Asset, Inc. would not provide me with any information pertaining t o the creditor/creditors that I supposedly owe. High Point made me agree to a payment schedule where they will be taking money out of my bank account starting on XXXX/XXXX/2015 each month until XXXX XXXX, 2015.

Company response to consumer: Closed with explanation