BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: ALLY FINANCIAL INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited funds totaling {$40000.00} to qualify for Ally Bank 's 1 % extra back up to {$1000.00} on new money deposited program. 

I met all of the qualifications and the bonus was not paid. 

I called Ally on XX/XX/19, and they were not able to pay the required bonus by XX/XX/19, nor were they able to tell me why. 

XXXX XXXX Phone number XXXX The accounts involved Account # XXXX Account # XXXX Please help me. 

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 monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 NUMEROUS 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 an alleged fraud or extortion. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I refinanced my vehicle in XX/XX/2022 with my bank XXXX XXXX XXXX XXXX. The bank sent payoff to the finance company Regional Acceptance Corporation. They received the check but claim they lost it. The bank sent a second check and this one did not post either because they claim it was supposed to be sent to a different address in NC and she said she threw it away. The bank calls them again and gets a good address and verifies it with several employees and sends a third check but this time its already XXXX and interest and fees have incurred and the payoff has increased. To cover the full payoff, the bank had to refinance my loan a second time, with these late charges, my payment went up and basically I got penalized for their incompetence. So on XX/XX/XXXX a Third check is XXXX  overnight and is received by Regional. They verify the reciept and say check will post in a couple of days. Today is XX/XX/XXXX. The third check has still not posted. My bank is telling my that since there was no XXXX in front of the address ( for east ) they returned the check and reversed the post. My bank asked why would you do that if you already had the check?! Whn he asked to speak to a supervisor they said she just stepped out and told him to hold. Needless to say, they never returned. My bank rep straight out told me this company is playing games. I am an XXXX XXXX XXXX XXXX and have no time to be playing on the phones as this company likes to do. I guess asking for professionalism and honesty is something these people will not do. I have already had to be stuck with late fees and interest once and I feel like they are trying to do this to me again. Please if anyone can assist with getting this matter resolved? I just want to pay off my vehicle and move on from this nightmare. These people do not care and are a second rate finance company. They should not be doing any business with anyone.

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 2020-08-12
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX date submitted for another dispute, first disputed was back in XXXX of XXXX {$990.00} dollars this company southwest credit system keeps trying to make me pay, this account isn't mine and I don't know who these people is and its impacting my credit really bad with this hard inquiry. I disputed it with XXXX  twice and XXXX is asking for documentation that I don't have because this account isnt mine. the consumer isn't trying to do nothing but keep making hard hits on my credit report resulting in a dramatic drop every time they report this false account that i know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 monetary relief
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/XXXX I mailed my letters to Transunion, XXXX, and XXXX explains to them how they have broke my consumer rights and exactly what inquiries and accounts need removed from my consumer report. It has now been well over 30 days and I have still not heard anything from anyone of the credit bureaus listed earlier. This is another violation not replying 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 2018-04-09
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage is responsible for paying my homeowner 's insurance premium and failed to submit a payment. The billing statement was sent by XXXX XXXX ( my insurance carrier ) on  XX/XX/XXXX with a payment date of XX/XX/XXXX. On Monday XX/XX/XXXX payment had not been received and a XXXX XXXX representative called regarding the payment, and was told that a check for payment would be sent via overnight mail. On XX/XX/XXXX I received a letter from Roundpoint stating that because I failed to renew my insurance, they would be purchasing one on my behalf. The XXXX XXXX agent called again on XX/XX/XXXX to ask about payment and was again told that it would be sent via overnight mail. On XX/XX/XXXX, payment was still not received, and the XXXX XXXX agent again called and was told that they do not ever issue or approve overnight checks and there was no record of the previous requests. The 30 day grace period for the homeowner 's insurance expires on XX/XX/XXXX. I initiated a virtual chat with a representative from Roundpoint on XX/XX/XXXX and was told that they had submitted the request for payment, but that they could not provide me with a confirmation number for the request or confirm it via an email notification. The representative told me that the payment should be made by XX/XX/XXXX. When I requested that it be expedited to arrive by the XX/XX/XXXX grace period cut off, I was told that insurance companies offer an extra 30 day grace period to lender-paid premiums, which is inaccurate. When I asked about a lapse in insurance coverage and how that would be handled, I was simply told that they would not allow that to happen and that I should rest assured that it had been handled. Failure to pay the premium on time, and dismiss additional requests via the insurance carrier and loan originator is extremely unprofessional and careless. Refusing to provide any sort of confirmation code or verification of the payment seems illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$6100.00}

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 2023-03-11
Company: EQUIFAX, INC.
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:
Under 15 U.S Code 1691b Permissible purposes of consumer report. I never gave you any written consent to report anything on my consumer reports. No consent is identity theft.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report. These accounts below are in violation.Any credit transaction supposed to be excluded from a consumer credit report. if a Social Security card was used in the transaction.

15 U.S.C 1681S-2 ( A ) ( 1 ) ( E ) ( I ) Rehabilitation of private education loans, These loans below has completed the rehabilitation process, DELETE NOW 1. U S Department of Education XX/XX/XXXX all 12 accounts for different amounts. 
2. XXXX  XXXX has 10 accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
yes the said account was opened XX/XX/2018 and its with XXXX XXXX XXXX XXXX in the amount of {$30000.00} i have reached out to the credit union and the credit agencies multiple times with no adequate response the account # for the said file is # 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 2023-07-06
Company: Self Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2023 I started a new self credit building account with Self. A {$3000.00} self building account with a {$150.00} payment monthly and {$1.00} to start. At the end of the term, Id save {$2900.00}. Seems like a great deal at the time. First payment was {$9.00}, I contacted them and stated that was not was advertised and the fact that I had already started the account, I was bonded by obligations. Second payment was supposed to come out my account ; which the never even attempted to take out according to my bank. I realized it was a ploy to falsely charge me more. I proceeded to make the payment anyways using the save account on file. Third payment, which was due on XX/XX/2023. Again, the money is there, I contacted my bank ahead of time to ensure that thered be no hiccup. Once again, self did the exact same thing. Now despite the fact, {$150.00} has been made.theres only {$37.00} to date of saving. At a rate like that Id be lucky if theres a {$900.00} save at the end of the term ; which they advertised youd save {$2900.00}. Please help ; this is extremely frustrating. Ive been homeless and desperately trying to build my credit to purchase my own home and these companies are deliberately hurting the public. It doesnt matter what time of day you call, theres never a live person to take your call. In the chat, they keep sending to an article as opposed to addressing the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX mother 's credit card number was circulated through assisted living 's email directory via an email that was copied to every XXXX  who is involved with her XXXX  needs. Visa is refusing to cancel the card unless I send them the power of attorney form by FAX, which I can not do because I am in the XXXX right now, and there are no FAX machines here and I do not have access to the power of attorney form that is in my files in the United States. 

So they are refusing to cancel the credit card. Now every caregiver has my mother 's credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I already have laurel road - keybank checking account. When i login- they prompted/offered me savings account. I started the process of savings account- all the process was completed and then it was denied. 
How come I be denied a savings bank account in the same bank where i have checking account? I am US Citizen and living in this country for more than 20+ years with XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: NC
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:
The following 3 Credit Bureaus Experian, XXXX and XXXX stated that the {$65000.00} was the correct amount on my credit report however it was paid in full on XX/XX/2023. I need this paid in full letter corrected on my credit report because I m trying to land a major goverrment contract position which requires a full financial disclosure. Please investigate and authorize the 3 credit bureaus to correct my credit report 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 explanation
Consumer complaint received 2018-04-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a crazy story but Wells Fargo went well beyond to steal this home from me. They foreclosed on me in XX/XX/2015. First being a combat wounded veterans I was going through a ton of XXXX XXXX and on over XXXX XXXX and considered XXXX XXXX XXXX.

Wells Fargo stopped accepting my XXXX home insurance and I was never notified so they brought on their own company causing my mortgage to increase by several hundred dollars. I had a rentor in my home paying the bank directly since I was not able to not knowing the increase in the mortgage. Well when I was healthy enough I tried to apply for mortgage assistance and Wells Fargo flat out refused. I ask for help from the VA leaving countless messages and they never helped to intervene. Giving the circumstances I feel Wells Fargo used my XXXX  against me to acquire this home which was the only home in the neighborhood with an extra plot of land 1/2 acre of land vs a small backyard. It was the most valuable home in the neighborhood. In addition, every mortgage payment I tried to make to catch up, they just returned back to Me which was even more weird. I feel they were trying their best to forcefully take the house away from me and in the end, they did.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2023 I won judgement against a company. The judgement was that I was not responsible for whatever the collection agency claimed i owed ( XXXXXXXX XXXX XXXX XXXX ) or was in fact even mine! 
I then contacted the original creditor about the reporting on my credit report. They suggested I reach out and disputed with credit bureaus. 
After, doing so with the bureaus XX/XX/2023 XXXX update the account as closed instead of deletion of account in its entirety, in which is effecting my ability to gain resources to live a daily life comfortably.

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 2023-06-24
Company: Opportunity Financial, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX I wanted to make a complaint on opportunity financial because they have reported in accurate information on my account purposely. 

I disputed the information on my account and asked for validation of the account. 

The information opportunity financial sent back shows that being deceptive in credit reporting is a normal everyday business accurance for them. 

I have attached where they have mentioned several amounts that I owe from their own validation paperwork they sent me. 

In there paperwork it says on XX/XX/2019 I had a credit limit of {$1500.00}. 

It said that on this date I was charged {$190.00} in fees and that I used {$120.00} of this credit limit. 
It goes on to say on XX/XX/2019 I was charged {$170.00} in fees for the exact same principle amount that was used on XX/XX/2019. 

This brought the total they say I owe to {$310.00} and {$290.00} on these two occasions and the total is {$610.00} for the month of XXXX in XXXX. 

The credit limit was {$1500.00} and the amount used is {$610.00} so that means that there is an un used credit balance of {$880.00} left in credit. 

Opprotunity Financial also stated in there paperwork that is attached on this complaint and labeled opportunity loan created amount. 

They are saying that payments were made on the principal balance but they have not shown what the balance was after payment. They also have not shown what amount was paid. 

Was the total amount paid and they are trying to run a collections scam? 

Then on XX/XX/2019 they stated the account was charged off and the amount owed was {$2100.00} They are running an illegal collection scam here according to consumer laws. 

The credit limit was {$1500.00}, {$610.00} was spent according to them. Then a balance above the so called signed for credit limit was created for {$1800.00} then it ballooned to {$2100.00}. 

Also according to the opportunity loan from credit report attachment the balance owed is {$1800.00} and the credit limit is {$1500.00} and the high balance is {$1800.00}. 

Opportunity financial has clearly run a collections scam and are seeking to defraud me of my money that I go to work for everyday. 
Opportunity financial has had several chances to correct this information but instead has doubled down on being deceptive and being a bully. 

This behavior has caused so much hardship and financial pain that I want this debt deleted immediately and {$2000.00} paid out to me for the hardship I went through. 

I am also upset that the credit bureaus have reported this on my credit while saying they verified this information and kept reporting the blatant incorrect information. 

I think the credit bureau has something involved in this because this is upsurb to think the bureau had a hand in this deceptive behavior. 

they also have no signature of this debt, but so conveinently said they have a digital signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH Mortgage Services We are trying to refinance the loan and combine with first mortgage as loan was maturing in XXXX. 

Unfortunately XXXX happened and our family was infected with XXXX in late XXXX before the loan came due. 

We immediately tried to refinance with the company and combine with our first mortgage but be were unable to complete the process because of the virus. 

After speaking with the company and asking for assistance, we tried to make monthly payments online but they were not accepted after being instructed by a service rep. 

We then attempted to refinance with another company but XXXX had marked us in default even though we were told them were were have difficulties due to XXXX we should not be marked late ( or anything that would negatively impact us XXXX. 

XXXX then sent us a bill for {$1400.00} which was sent with check # XXXX. This check was sent back. 

Now they are asking for XXXX, which they say we can't pay and should ignore there attempts to bill us monthly. 

After to many HOURS to count on the phone with XXXX, I have been told about the default, forbearance, forbearance disaster relief, that we were rejected for relief, that we were rejected the CARES act protection, that they will not remove the default, that a investigation has already been done, that nothing can be put in writing, then someone said they would send a letter that we dont qualify for a credit retraction ( but we were disconnected and never received ), to send our credit report to XXXX, to not send it as nothing can be done, that default was not reported, etc ... Every call gets a different response. 

Now, we are unable to refinance the loan with the negative impact on my credit. We were never late in 15 years and have made every attempt during these times not only to stay current but to refinance. 

Please help. If this is happening to us, it must be happening to others.

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