BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: ALLY FINANCIAL INC.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I was charged {$120.00} from XXXX for a monthly subscription on my Ally credit card. I cancelled my monthly membership with XXXX  a full 10 days prior to XX/XX/XXXX. I was then charged another {$120.00} again in XX/XX/2023, XXXX months after cancelling my membership. I called around XXXX XXXX XXXX to dispute that charge and during my phone call, I was disconnected from the agent ( calls are recorded I was told so this would be reflected ) and I wasnt sure if my dispute ever went through. I was sent documents telling me to call Ally before XX/XX/2023 or my dispute would be decided without any additional input from myself so clearly it was logged by an Ally employee even though we were disconnected before finishing the original report. I called Ally on XX/XX/2023 and I was told my dispute had been closed and not in my favor. I was told I could request my case be reopened in writing within 14 days and I did just that - wrote Ally a letter explaining the dispute situation and why I felt it should be reopened. I then received a letter stating my dispute had been closed. I called today, XX/XX/2023 to inquire why my dispute was closed when it was obvious this was a fraudulent charge and I was told by a rude Ally employee that it had been over 60 days since my original dispute was opened so it was automatically denied. This isnt even the same reason given in the letter I received from Ally dated XX/XX/2023 - in that letter it states my documents do not support my dispute even though I have direct confirmation my cancellation was received from the company that charged me the {$120.00}. 

I have been screwed at every turn by this company - Ally first opened the dispute without getting all the information from me due to the call being dropped ; second Ally closed my dispute XXXX days prior to the stated date in their letter to me ; and third Ally automatically denied my request to have my dispute reopened due to some arbitrary statue of limitations. This is fraudulent business practices.

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 2023-01-08
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe the debt collectors client anything. This claim is in dispute. The debt collection company has not substantiated the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Jefferson Capital System is a debt collector that is repeatedly damaging credit by reporting the same collection. This collection is a 7 year plus collection that was originally owed by XXXX XXXX in the amount of {$860.00}. It's very unlawful to continue reporting to the credit bureau on an account such is this. The original date of this collection continuously changing. Making this debt repeat multiple time a year to the Credit Bureau. The attempt to collect a debt as old as this one is very damaging to someone credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amont that is posted is not my wrong doing and Ive been cancelled the account when its was at XXXX and stated that I could pay the amount at the moment too avoid this problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The escrow for property taxes was not included in my XX/XX/XXXX payment because I do not owe any taxes for the year XX/XX/XXXX-XX/XX/XXXX. They have already been paid by the State of California as the XXXX XXXX customer service people have been notified of multiple times. A fully paid receipt by XXXX County is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: NC
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 XXXXt has violated my rights : 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have private loans services through FirstMark Services. I have been consistently paying since they worked with me last time after my last complaint. I was paying in the XXXX consistently for awhile. My payments went up to XXXX which I have been consistently paying. If you look at my balance it is going down. I can barely afford the XXXX but have been paying. All of a sudden my payment went up due on the XXXX to XXXX. I payed XXXX on XX/XX/XXXX and messaged them on XX/XX/XXXX stating thats all I can afford. They messaged me back saying my interest rate increased to XXXX XXXX, they cant change the rate, loan terms ; rate, etc. They suggested I could also go through another company to consolidate. However I have tried this numerous times and no one will work with me as my balance is too high. My argument here is I cant afford anymore than my monthly payment of XXXX. It was my understanding the last time I complained on here the loan term did get extended. I dont necessarily need an extension but we did the math and even at XXXX percent the XXXX it more than covers the interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-02-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Company decreased limit by just enough money to make cover the balance on the card. 
There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. I am an XXXX who makes most of my yearly income from XXXX XXXX, I use my cards throughout the year and pay them down completely during these months. Reducing my credit line now to put me close to the balance shows on my credit report as an extreme negative with my balance near 100 %, this is not only extremely negative to my credit report but my overall credit wellbeing.

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 2023-11-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As of XX/XX/23 Carrington mortgage has failed to respond to my request and has falsely reported the account as past due and overdue delinquent for 30 days. Fax sent to XXXX for removal of fraudulent late reporting. This account was on forbearance thru XXXX XXXX and payments were satisfied XXXX XXXX. This company is in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose intends to use the information in connection ( a ) with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Violation of my rights of extended credit due to the misrepresentation and false accusations of a fraudulent late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file 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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital one quick silver card I had since 3 years and was using without problem ; but to my surprise recently XXXX & XX/XX/2023 there was {$33.00} & {$31.00} interest charges @ 29 %. I was out of country and didn't check the statements. I called cust service even the supervisor but very disappointed and looks they don't care for good customer service- denied to credit any of the interest charge even I made statement bal pmt of {$1400.00}. Never had this problem with other cards. XXXX is best in cust service and XXXX cards are good for when you have a request to credit either interest or late fee charges. 

So for me capital one first time interaction with this was not good and totally bad customer service. Will cancel my card and will never get in future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
trying to get a new job and my credit is stopping me and the information that is not mines is on the report and address that need to be removed unknown medical bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX , XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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** : medical bills

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 2020-03-26
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I think the first contact I received was around the Fall of XXXX. The caller introduced herself as being with XXXX XXXX through originally XXXX XXXX, later transferred to Barclays and then to XXXX XXXX XXXX She informed me of a credit card that was overdue for payment. I explained that I had never applied for XXXX XXXX. In fact I have a XXXX account that only had my personal debit and local bank card attached to it and that I didn't need a XXXX  credit card. I asked her what the charges were for. She stated XXXX services for the amount of {$4900.00}. I told her that I live in a rural farming community and XXXX isnt accessible. Furthermore I have my own vehicles and don't need XXXX services. She asked if I had ever used XXXX ever. I stated I had in XXXX one weekend and in XXXX, but my XXXX account is only connected to my personal bank account. We went back and forth. She asked me if I thought this was fraud. I stated yes. I never heard back until XXXX of XXXX. I again explained the situation. I was asked if I would be willing to fill out an affidavit and I said yes. I did that, had it notorized and returned it. I never heard another word until XXXX of XXXX from XXXX XXXX XXXX. At that time I forwarded the affidavit. I followed that up with a letter from an attorney and they have never replied. I would like to get this issue resolved. I would like my credit cleared and I am getting no where.

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 2021-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed an international transaction for tainted products purchased in XXXX, XXXX which only showed itself to be bad ( fuel ) after 24 hours. 

I disputed the claim with Bank of America, my credit card issuer. They gave me a time frame of less than ten days to get a " qualified second opinion '' which had to come out of XXXX, XXXX XXXX. I signed the continuance letter provided by B of A saying I wanted the dispute to continue, but I needed more time to get the documentation from XXXX ( this is for XXXX diesel fuel ). The customer service agent assured me that I would be given an adequate amount of time for my expert second opinion. 

However, within 36 hours of filing the second opinion expert letters, my dispute was refused, ostensibly because the US Government had immutable guidelines on document presentation on disputes. Giving a consumer the short end of the response timeline in no way benefits the consumer, and in my particular case, it was daunting an onerous, since I had to deal with different nations and their work practices therein. I can not change the way XXXX America works, and I can not change COVID lockdowns. I made the bank aware that I would get the documentation they seek as soon as I was able ( it took ten days ). 

I find it unconscionable that the US government would favor the credit card company ( XXXX ) and the bank XXXX Bank of America ) with a 60 day investigation/response time yet provide the consumer with ten short days. 

I wish to dispute this resolution from B of A ( dispute case # XXXX ) in the amount of {$6100.00} USD and wish to have this artifice of a timeline for document review reset. I noticed B of A in good faith I needed more time to get the documents from XXXX, and they acknowledged as much.

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 2023-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Portfolio Recovery Associates is reporting to the credit bureaus. Balance of {$1800.00} and {$3400.00}. I reached out to the creditor via certified mail twice end of XX/XX/XXXX and in XX/XX/XXXX with a cease and desist, I have never signed or opt in or given any kind of written instructions to do business with them, I have never agreed to have them report any of my personal information to a third party ( credit bureaus ). I have no business with them whatsoever. With my written communication I requested they provide a Creditor Statement, individually and completely with factual evidence, also including but not limited to a complete forensic accounting of all accounts, Form FR2046 ( showing the original balance sheet ), an IRS form 109901D which will identify who the principal funds originated from a Full File Disclosure as well showing a wet signature of me doing business with them. They in turn sent me a letter asking me to call them. I sent them an additional letter stating that I wish all communication to occur in writing and to provide a full file disclosure. It is now mid XXXX, they still refuse to comply with FCRA laws to remove their reporting to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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:
XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX THIS ACCOUNT IS INACCURATE. THIS ORGANIZATION HAS INFRINGED UPON MY RIGHT TO PRIVACY WITHOUT A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE, I DID NOT GIVE MY WRITTEN INSTRUCTION TO FURNISH A CONSUMER REPORT PER 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT PER 15 USC 1681c-2 ( a ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

THIS ORGANIZATION UNLAWFULLY REPORTED BALANCES, LATE PAYMENTS, AND/OR ALLEGED LOAN AMOUNTS ON MY CONSUMER REPORT SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND THIS ORGANIZATION THAT ARE REQUIRED TO BE EXCLUDED FROM MY CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THIS IS FRAUD AND IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED BY THIS ORGANIZATION.

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 2023-11-15
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 2023-02-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty  day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid XXXX, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXXXXXX 0f XXXX, XXXX XXXX reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX XXXX XXXX are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!

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