BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
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:
I traded in my vehicle that was financed through Ally bank on XX/XX/XXXX. 
I received a letter from Ally dated XX/XX/XXXX that I would be receiving my Gap refund directly from Ally within 60 days of the official payoff date which was XX/XX/XXXX. 
I waited the 60 days and had not gotten the refund so I called Ally to find out where my check was. I was then advised that they had not received word that the Gap had been cancelled and I had to contact the dealer to do that. After months of trying to get help from the dealership, they finally sent the cancellation form to the Gap company. I still never received the refund. 
Finally I called Ally again to make sure that the cancellation was sent to the right Gap company and they gave me the phone number to the Gap company. I called them and they told me that the Gap was cancelled on XX/XX/XXXX with an effective date of XX/XX/XXXX ( date of trade in ). I asked if they are supposed to send some kind of proof of cancellation to Ally to let them know its been canceled and he said no, they should have that information and that Gap refunds come from Ally. 
I immediately called Ally back to let them know when it was cancelled and that they should send me the refund. I was told that the dealership would refund me. I told her the letter from Ally that I have in my hands says that Ally is who the refund will come from. I asked to speak with a manager and was put on hold and then disconnected. 

They are holding my money, refusing to refund and giving me the run around. It was been

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 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account was an auto loan that was a total loss. The account was paid by insurance and there was a left over balance. The left over balance was supposed to be paid by GAP insurance. It took GAP insurance about a year to pay the balance on this account. I called and disputed this account with Capital One Auto Finance because they were reporting this account past due and putting on my credit that this account was delinquent even though it was under dispute. I told them that GAP insurance was supposed to pay the balance and they said that I was still required to pay the monthly installment even though the account was under dispute. They continued to charge me interest on this account and by the time GAP insurance finally paid it about a year later, so much interest and other charges had acrued that there was still an unpaid balance after GAP concluded their payment because of the interest and late fees. 

This account was never closed, it is reporting as an installment account on my report. It was opened in XXXX of 2013 and yet they are still refusing to remove this account. I have asked them to remove the account and I was informed that this account still had a balance and thusly still stayed open even though it was a total loss and opened in 2013. This has destroyed my credit and my ability to get reasonable interest rates on other vehicles I was forced to lease because the car was a total loss. Not to mention the fact that this account, ( though it was previously removed from the credit reports and then was put back on the credit reports ), has reported every month delinquent since the total loss event to the most recent month even though the account was under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a account with wells Fargo my debit card was stolen I filed a claim on on XX/XX/2022 I made a police report and I told the bank that they caught the person who did it and the told me my claim was closed and they are not refunding my money what can be done about this i have tryed calling i was on hold for one hour only to be hung up on they are wrong I have proff that I had nothing to do with the unauthorized use of my debit card as shown in photo below there is a court case on the person who did 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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.

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 2016-10-21
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Pay Pal Credit, formerly Pay Me Later, is somewhat of a scam which uses unfair lending practices and excessive rates and penalties on EBay customers. 
I am an longtime EBay vendor/buyer who had a Pay Me Later account, which was supposed to be closed. Their virtual option button comes available on most EBay purchases, and was somehow activated on several purchases earlier this year, of which I was unaware. The charges were hidden until I began to receive late notices, and finally was able to track them down. After numerous calls to EBay and Pay Pal, I determined the situation and sent them the payment. They continue to add late payments upon late payments for the past 4 months, in spite of my attempts at reconciliation. 
All of the present charges of around {$200.00} are stemming from an original late charge of around {$30.00}, which is added monthly, regardless. 
This is unethical, in view of the fact I reimbursed them the original purchase amount of around {$130.00}, months ago. I refuse to pay late charges of a greater amount than the purchase price, which have accrued in only 4 months, and continue. 
This is extortion and has to be against US fair lending laws. 
I demant they cease and desist, and have put that in writing and phone calls/emails. 
There are so many complaints about PayPal it is ridiculous. 
Who protects the XXXX XXXX from thieves like this organization?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
i've been disputing this account XXXX/XXXX  # XXXX with EXPERIAN this account is plagued with errors wich they refuse to fix and keep updating with erroneous information, the account was paid in full before closing and i have the statement to prove my dispute is valid.

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the payment history is innacurate, the date last active is inaccurate, and date last reported is not accurate.they also violate my rights under 15 U.S.C 1681 section 602 A.

this is not a duplicate complaint, it has not been resolved.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I made several calls to Navient in regards to lowering my payments based on my income. I was instructed over the phone to go on line and see what plan I qualified for. In the meantime Navient would put my loans in forbearance for a minimum of 60 days, but before the time was up, Navient would send me messages stating that my loan amount had increased as well as the interest. The amount went from {$400.00} plus dollars, to {$800.00} and then {$1200.00}. After reviewing the loan plans, I was only eligible for XXXX, and that 's because they do n't give Parent Loans any justice. Also, every time I applied for this one income based payment plan, the re-payment amount rose to more than what I was able to pay. I was always told that they could n't get it any lower. There have been numerous occasions to where I needed clarification on there polices and payment plans, but the representatives were n't capable of helping me, and I do n't think they knew how to explain any of the plans properly. The website is very confusing and non-user friendly. I filed a form, and sent it in, and received in the mail a letter stating that I did n't qualify so they put me on another repayment plan that resulted in higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights XXXX  XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  L XXXX XXXX  XXXX XXXX  XXXX  XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.

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 2020-06-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report doing the quoting process. Every time I would get a quote it would come back high or ineligible. I have always-aid my accounts on time. I decided to get my report pilled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. 

XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I was using my cashapp normally when all of a sudden my cashapp account was frozen, i then tried for 2 and a half weeks to get in contact with a support team member to no avail, i am homeless and my situation is URGENT. I still have money on my account and i thinj they stole {$760.00} out of my account, i spoke with a XXXX  member and they said that they never 'reversed ' any money, so i dont know why there was a {$760.00} reversal charge. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2021 I submitted a compliant ( and sent via certified mail ) on Santander consumer USA Inc to resolve a billing error along with TILA, FDCPA, and FCRA violations. Prior to answering to this complaint and resolving this billing error, on XX/XX/2021, Santander Consumer USA inc took an adverse action and continued collection activities. They accelerated debt collection activities by repossessing the vehicle and attempted to extort me for the sum of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$290.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
I found out my american expres card was cancelled and they did not even tell me why. 
I contacted customer service and all they could tell me was my account was cancelled because my recent {$7.00} payment to American Express was returned. It was returned because the bill payment service tried to take it out of a frozen account. I let them know this was an error by my financial institution that froze my account, which affected the bill payment service payments. They said it does not matter. That is rediculous! I have been a customer of American Express for over 20 years, with all payments made on time and an excellent credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had filled a couple of fraud claims and there refusing to refund my money. The first claim was XX/XX/2022 in the amount of XXXX. The second claim was on XX/XX/2022 in the amount of {$760.00}. The third claim was on XX/XX/XXXX in the amount of {$400.00}. And the last one was on XX/XX/2022 in the amount of {$450.00} and they do not want to give me my money back Im so XXXX  off cause I lost my debit card and someone had it and was making withdrawals at an ATM at XXXX XXXX in XXXX, CT. Please help me to try to get my money back. I would really appreciate your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation