BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: ALLY FINANCIAL INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a leased vehicle that I returned to an authorized dealership listed on Ally Auto 's website on XX/XX/XXXX. I never heard from Ally bank ( they held the lease agreement contract ) after I returned it. As this was my first lease, I assumed that was normal. 
XX/XX/XXXX, a repossession agent came to the door looking for the vehicle. I contacted Ally to let them know exactly where the car was returned, with a screenshot of the dealership information including contact info & address. 7 months later, XX/XX/XXXX, I get a " bad debt charge off '' from Ally bank assigning the {$28000.00} balance for the vehicle to me. My credit dropped XXXX points. My husband 's dropped over a 100 points. 
There were several attempts over the course of XXXX from the Dealership General Manager trying to contact Ally .... with no answers. He also thought it was odd that no one was looking for the car to recoup their investment. Despite all this nonsense, I found the car in two phone calls. One to the XXXX at the dealership, and another one to the towing yard where it was eventually relocated. Evidently the car sat at the dealership for over a year. He needed to move it for addituonal room on the lot, so he had it towed to another location. 
Ally Auto never returned my voicemails and only responded to my emails with generic " We received your message. Due to the nature of this request, we need to speak with you by phone. '' I've wasted time and energy trying to accommodate and rectify this predicament only to be ignored. 
I initiated a dispute with XXXX, " resolved, consumer disagrees ''. This seems extremely unethical. They essentially accused me of Auto theft and ruined my credit. Ally knew where the car was located the whole time. The towing lot stayed that they had just received the vehicle within the last week and had just sent a letter to Ally Auto notifying them. The service agent didn't even need the vin number because he knew exactly what car it was. He even stated that the whole situation sounded weird ... ..that the car sat at the dealership that long without anyone claiming it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that one of the information was erroneous. The 3 credit bureaus must validate this particular account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX Balance : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im a victim of identity theft. I noticed several fraudulent accounts has been open in my name. Please check the attachments for all reported documents and paperwork.

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 2023-06-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
I pulled my consumer reports and I noticed that there was a 30 day late payment on an account that was paid in full and closed and was never late for consumer reporting agencies have assumed a critical position and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for this account ( XXXX XXXX ) please investigate and provide proof with statements showing this payment was late if proof cant be provided I demand this payment be updated as on time paid in full and account closed and reflect as NEVER late thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
USAA Savings Bank Keep putting incorrect payment and lack of payment information on credit report. USAA also is placing incorrect addresses on statements. I would like my accounts to reflect currently. This is hurting my credit score as I attempt to buy a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2018 or XX/XX/2018 I enrolled online classes thru XXXX XXXX. I was looking in my student portal and I noticed that there was amounts of money coming from me to the school. Then I see where their refunded to the school. And apparently I owe the school {$27000.00} around there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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. 

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 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 2023-05-25
Company: CITIBANK, N.A.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sears is already been paid on full I ask them to deleted they refuse same as XXXXXXXX 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 explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX we made a payment in the amount of XXXX USD from our XXXX account to the account of XXXX XXXX XXXX XXXX XXXX opened in XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 
XXXX we received information from XXXX that our payment of XXXX USD ( XXXX ) dated XXXX XXXX XXXX  was sent via a correspondent bank of JP Morgan Chase Bank , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXJP Morgan Chase Bank was the intermediary bank in this chain. XXXX XXXX was included in the list in accordance with XXXX XXXX. XXXX. In this regard, my payment must be blocked by an intermediary bank in accordance with US sanctions legislation. To unblock a payment, I need to apply for a special license from OFAC. However, JP Morgan Chase Bank has not yet blocked the payment or informed the initiator bank about the freezing measures. 
We applied to OFAC, the case was assigned the number XXXX and it has the status Case ID XXXX has a status of PENDING. 
XX/XX/2022, we received a letter from XXXX XXXX, Analyst at the Office of Foreign Assets Control U.S. Department of the Treasury, requesting additional information on the transfer XX/XX/2022 all required information and documents were sent to email - XXXX At the moment, the status of our case has not changed, since OFAC can not find records of the blocked payment, accordingly, we can not obtain from OFAC the license necessary to unlock our funds. 
XXXX We tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  with a request to clarify whether the payment was blocked and transferred to OFAC and when. JP Morgan Chase Bank did not respond to our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is a letter that I sent to Citi on XX/XX/2023 following a call with a Supervisor in their XXXX Department. 

Background : Citi advised that their denial was solely based on the fact that I had charges before and after XX/XX/2023. They admitted that they never spoke with the vendor XXXX as indicated on my statement. I continue to state that I did not authorize this charge and have never utilized XXXX services. Then on a follow call, Citi verbally agreed to reverse their decision and credit me for the charge. The Supervisor acknowledged she could see my call earlier, but would not agree to review/honor the prior Citi employees finding to credit me the charge. not Citi has again continued to provide unacceptable customer service. 
*******Letter to Citi***** I am very disappointed to learn that Citi will not honor their verbal decision given to me today at approximately XXXX XXXX  by the Citi Dispute Team to reverse a dispute decision and to credit me for an unauthorized charge on XX/XX/2023 in the amount of {$440.00}. The Citi Representative further said that I would receive a credit in 7-10 days along with an email to confirm this event. Can Citi pull up this recorded call to confirm? 

As I did not receive an email, three hours later at XXXX today ( XX/XX/2023 ), I called Citi to verify that the credit was in process. I spoke with a Supervisor by the name XXXX in the XXXX Security Center who confirmed the XXXX took place but advised that the dispute reversal/credit was NOT approved! 

Per XXXX request for additional information, below is a text from the vendor XXXX indicating that they could not find a charge from me on the card # above. ( This card was replaced following my initial call to dispute the charge ). 

Further, as I have stated, I did not use this card with XXXX or any similar applications so the tap authorization was NOT by me. 

I hereby claim that I did not authorize this charge and again request a credit from Citi especially in light of the fact that Citis website advertises that I am not liable for unauthorized charges.

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 2023-04-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. 

IN ADDITIONA CREDIT COLLECTION SERVICE DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF GEORGIA . Lastly Fact, please show good faith in the matter by expediting deleting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: PA
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 non-monetary relief
Consumer complaint received 2022-11-29
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: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference 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 2022-11-29
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-29
Company: EQUIFAX, INC.
State: CA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: NC
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:
For months dating back since XX/XX/2023, Ive been disputing inaccurate information on my credit report as Ive learned through the FCRA. Due to my inexperience doing this I looked up templates online to help type up a dispute letter and what a dispute letter should say. 

Experian, XXXX and XXXX has denied me my civil right to dispute this information on my report. They wont even look into it. They continue to stall by sending letters saying they believe in a third party service etc etc. Everytime I responded by telling them it is me. And I wont even get a response. FCRA, states these companies have 30-45 days to investigate these matters and they have failed to do so, therefore they should be removed. 

I am trying to buy a house and this delaying the process. I can not wait another 2-3 months.

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