BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite four written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the unverified item still remain on my credit report in violation of Federal Law. This company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a )  ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore this company have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
# XXXX {$310.00}. I am attaching the paper trail with Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Mendelson Law Firm
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Mendelson Law Firm did not inform me that I could dispute the debt and threatened to garnish my wages on a debt that had passed the statute of limitations. I did not receive any notice until, the notice stating that a judgement against me had been made and I did not want them to garnish my wages, and agreed to make payments. I have made five payments on the debt, but the debt amount is not showing a decrease and I am not receiving statements with new amount owed. 

Also, the company bought the debt for much less than they are charging me, yet they are charging me the original amount plus fees. They paid less than {$1500.00} for the debt. They are charging me over {$5000.00} which should not be legal. 

I have made payments every month since the agreement. They agreed on XXXX per month, but I have been paying {$50.00} every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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:
Prior to making my payment on XX/XX/XXXX I contacted Ally Bank. I was transferring the loan to my credit union for a lower interest rate and the due date was coming on XX/XX/XXXX, when they didnt receive the payoff they advised me to go ahead and make a monthly payment to avoid a late fee. I made my payment on XX/XX/XXXX and my credit union paid off my auto loan ending in XXXX on XX/XX/XXXX. 
Ally bank owes me {$1000.00} refund. My first call to Ally was on XX/XX/XXXX I was advised that my check was mailed that day, but due to a storm in Louisiana, my check could be delayed in the mail by up to 2 weeks. 
I called back on XX/XX/XXXX when I didnt receive my refund and was advised that the refund was still pending because it was over {$1000.00}, it needed some type of approval. The advisor I spoke to was going to escalate and have someone give me a call back. That never happened so I called back again on XX/XX/XXXX and spoke to a advisor and then was transferred to XXXX on the customer solution team. XXXX also saw the refund pending and supposedly sent an email and promised me a call back on XXXX. No one ever called me. 
So on XX/XX/XXXX I called and spoke to XXXX and XXXX XXXX id number XXXX  ). I was advised it could take 30-45 days for a refund. I was promised a call back with a XXXX  XXXX tracking number for my refund check. 
Now today XX/XX/XXXX I called and talked to XXXX ( id XXXX ) and XXXX XXXX id XXXX ). Now XXXX tells me they have a man-power issue and refunds can take 55 days. I requested his XXXX and was placed on hold for an hour and never talked to anyone. I was transferred to an automated survey which I completed and advised that I was very dissatisfied. 
I have spent countless hours on the phone with numerous agents trying to get a refund that I owed. Since they record their calls, I would love for someone to go back and review all of the interactions on my account. You better believe if this was reversed ; I owed Ally money, they would be charging me fees and interest until they got their money!! But they could care less if their customer needs the money Ally owes. 
I guess next time I call they will tell me the refund processing time is 75 days??

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 2022-06-16
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX,2021. I sent dispute letters via certified mail. To all three consumer reporting agency 's. Demanding the child support account be removed due to the fact I did not give the reporting agency 's written consent to furnish such information. 15 USC 1681b Permissible purpose of consumer reports.

In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
If the reporting agencies have written consent from me regarding this account please provide the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, 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:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
This account is in violation Credit acceptance is willfully civil liable for continuing to report incorrect data on my consumer report. 

15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The number of terms is reporting incorrectly the date last reported is also reporting inaccurately DELETE THIS ACCOUNT

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 2023-02-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit was fraudulently used to open an old navy card and I need it fixed

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 2019-12-18
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX SWC contacted me via mail about a debt they said I owed. They offered to settle the debt for an amount close to the amount owed that I could pay online to settle this debt. I went online and paid the settlement amount listed in the letter. Two months later they are reporting to all three credit bureaus that I am late and have a balance owed. They are the ones who offered to settle not me. If that was not the case then they should have not sent the letter. I will not be robbed by this predatory company that doesnt know how to properly conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid medical bill in the amount of {$8.00}, check # XXXX on XX/XX/2019. This check cleared payee 's bank on XX/XX/2019. On XX/XX/2019 I received a phone call from Transworld Systems Inc. ( TSI ) in which they attempted to collect this debt a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. 
The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) .Ally financial 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 XXXXXXXX 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 explanation
Consumer complaint received 2019-06-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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've had an account with USAA Bank since the age of XXXX. I was recently going through a divorce and I had some issues with law enforcement in my area. And the end of XX/XX/XXXX I was XXXX  and with me went my banking information my wallet my phone and all my personal belongings. In order to bond out of jail I released my property and my property was to be taken to the bondsman. There is no permission for anybody to use my personal information nor should it had been assumed. My property was supposed to be released and given directly to a bondsman. Instead my personal information was taken by way of my cell phone my driver 's license my social security card my banking information. Several debits were taken out of my account money transfer Etc to tune of about {$1400.00}. I live on a very small social security check that's all I had. Upon being released on XX/XX/XXXX XXXX I immediately notified USAA and they did reverse the charges for a few days and then took it back. They claim that I was negligent. Well I think negligent is it's your fault. It is not my fault I was stolen from. That is the entire amount of money I had for an entire month. I went hungry. I show them proof that I was incarcerated and could not have been me I showed them where he signed my name to do a money transfer. I was met with ignorant people. I wouldn't wish this on them. Because I went hungry I went without power in my house. It was the most cruelest thing somebody could do. Due to my Banks reaction of me being negligent the sheriff 's department decided that they probably didn't have to pursue charges. How is it you are stolen from on Social Security XXXX wrongfully XXXX  and you can't do a XXXX thing you can't even get your money back. It is not your fault and you still can't do a XXXX thing. I would like to explain to me because I did not give him a debit card number I didn't give a PIN number I didn't give him permission it is in black and white that there was no permission. I enjoyed being USAA All Those Years and we're talkin 33 years for them to do that to me. I can't see how somebody could Forge your name and get away with it I guess he did but it doesn't matter you can help me with I sure would appreciate it. Thank you so much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: R & B Corporation of Virginia
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: Investigation took more than 30 days

Complaint:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX regarding an account being reported by CREDIT CONTROL CORP XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
What is this complaint about? 
Fraud called for debt collection. 

What type of problem are you having? 
Keep calling me and terrifying me. 

What happened? 
This call tried to scare me that I owe the Bank of America an amount of {$3600.00} that I never open an account. However, they have my name on record. 

What company is this complaint about? 
XXXX XXXX from XXXX, NC. It aimed that from Bank of America.

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 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I inherited a combination of stock and cash in an IRA my father had originally with Merrill Lynch, later with Merrill XXXX. After selling all the stock so that the account was fully in cash, I elected to have a trustee to trustee transfer done, to bring it to a local branch of a bank for ease of management. ( I also moved other inherited IRAs in this manner, from other sources, without the difficulties encountered with Merrill XXXX. ) The trustee-to-trustee transfer should have moved 100 % of the inherited IRA to the new bank. However, once the funds tranferred, there was a difference in the amount of the ending balance and the received balance at the new bank setting. I checked into it with Merrill XXXX and was told ( for the first time ) that they withheld a fee of {$49.00} as a brokerage charge. They explained that the next brokerage might refund that to me, but they charged this without any previous explanation. I informed them that there was no longer stock in the account and that the receiving bank was not a brokerage firm. I contacted their Customer Service/Complaints division with phone calls and a letter, dated XX/XX/19. I requested that they send a check for the {$49.00} directly to the bank. 

I checked with the receiving bank, and this check has not arrived. I have heard no more from Merrill XXXX than an initial acknowledgement of having received my complaint. As I stated in my letter, I believe it to not be a legally defensible practice to " charge '' me an unannounced brokerage change fee, when the IRA was being fully removed from Merrill XXXX -- simply transferred to a bank for investment in a Certificate of Deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has a block or freeze on my report. I have sent documents proving my identity. I can not access the report and the bank can not open my credit report either. We are trying to buy house and without that score we can not get a house. There is a error code that comes up as XXXX  They also had my middle name wrong I sent documents with that also. They keep saying they fixed it but it never gets fixed. I have talked to them numerous times over the past couple weeks, actually the past year has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Despite submitting all required PSLF documentation to qualify for special waiver XXXX loan forgiveness, MOHELA stopped short of giving me credit for all qualified payments. They processed all of my submitted employment certifications without updating my XXXX payments counter. I was credited XXXX payments and then MOHELA stopped updating the count. MOHELA has not given any explanation as to why my count stopped at XXXX payments despite having documentation certifying well over XXXX payments and granting me forgiveness. I called the servicer on XX/XX/XXXX but the customer service representative was unable to explain why my count is not being updated. I was advised to wait a few days for the issue to be resolved. After over XXXX weeks nothing has happened and no communication from MOHELA. My count continues at XXXX for over a XXXX days and MOHELA has not communicated with me and I received no explanation or justification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On the XXXX of XXXX I received a correspondence from BMO Harris Bank reference information on my account. An account I never opened. I contacted the Bank today, the XXXX of XXXX, and cancelled the account. 
The account was with BMO Harris Bank N.A., XXXX. XXXX XXXX, XXXX, IL. XXXX. The Statement Period is XX/XX/21 to XX/XX/21. Deposit Account Summary Previous balance XX/XX/21 balance XXXX Ending balance XX/XX/21 XXXX No deposit activity during this statement period.

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