BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: CORELOGIC 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:
In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agenecy can not furnish a 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 2021-09-19
Company: Firstsource Business Process Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIRSTSOURCE advantage has been sending emails demanding I pay an unvalidated debt with false and deceptive forms 15 USC 1692j. With no prior consent from I consumer pursuant to 15 USC 1692 ( c ) ( a ). This is extortion due to the FACT I have no known authorized CONTRACT AGREEMENT with FIRSTSOURCE ADVANTAGE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX Opened XXXX credit card to receive discount on XXXX purchase. 
XXXX received statement saying I am late and there was late fee on top of my XXXX bill. 
Immediately went online activated card, paid balance in full, then contacted them saying I never received first bill and requested late fee credit which they did do. I received emailed payment confirmation showing bill paid in full with checking account ending in XXXX. 
XXXX received letter in mail saying my payment was returned and i was now XXXX in fees on top of my XXXX bill. I immediately went online paying bill with same bank account ending in XXXX in full minus XXXX in fees because there was plenty of money in account to cover the XXXX payment. I also closed my account at that time time because I felt this is a shady credit card, that is trying to scam me because they didnt send me the first bill charging me a late fee, then they returned my payment when there was plenty of money to cover my payment. 
Over the course of the next couple weeks kept calling them trying to get the returned check fee credited because that was an error finally I was told to reach out to bank XXXX  they were at fault which bank told me it was never presented for payment. 
XX/XX/XXXX XXXX As requested submitted proof of money in account which I submitted both my XXXX and XXXX bank statements, along with both the XX/XX/XXXX and XXXX payment confirmation showing bank account ending in XXXX and XX/XX/2022 account activation email. 
XXXX XXXX received email from Comenity Bank at 6 XXXX saying info received and forwarded to correct dept. 
XXXX XXXX even though I was told on phone that disputed amount dont require payment I still responded to that XX/XX/XXXX email asking that all is left on account is disputed fees, do I have to pay them to avoid more fees BC I dont want anymore fees or this effecting my credit score. I was told disputed amounts dont have to get paid. 
XX/XX/XXXX I received letter in mail saying I am a valued customer and to call them as soon as possible to resolve my issue. I called immediately and while waiting to get connected a recording told me my balance is now XXXX which is another late fee and not only that after asking for supervisor the senior acct specialist told me he can only remove the latest late fee which is the fee I got for not paying the disputed amount before the due date which is such a scam. 
Why did they tell me to call asap to resolve this only to be told my original dispute is no even though my bank statements show money to cover item and its an error. They said bank account number is one number different. They already knew that when they told me to send bank statement showing money in account. They did that to tack on another fee. This company is so shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have filed two former complaint against Ally financial in my last complaint I explained how XX/XX/XXXX even though I disputed the amount I made four consecutive payments Ally financial postage three of the payments to my credit to my truck and then the fourth payment made on XXXXthey took an entire payment posted to late fees in the amount of {$520.00} instead of applying it to my payment that was due on XX/XX/XXXX then continue to mark my account as delinquent and I have been trying to get this corrected as I have made every payment on time they said in XXXX of XXXX I provided proof that I made four payments totaling XXXX XXXX XXXX XXXX how they can take the payment that was made on XX/XX/XXXX and apply that toward fees instead of my current payment due is what Im disputing and therefore my account is not late and needs to be updated to reflect that my account was paid in full as of XX/XX/XXXX my payment was due on XX/XX/XXXX. In my former complaint they stated I have not reached out to the company I have reached out to every person in that company nobody can fix it everybody tries to argue with me I have provided documented proof both to consumer protection agency all three credit reporting agencies and Ally financial I can not get a direct number to contact the department that handles dispute and I can not get a direct address to the number that handles dispute the information that they provided to consumer protection is not correct and theyNo explanation as to why my payment on XX/XX/XXXX was not applied to my payment that was due on XX/XX/XXXX instead an entire payment was applied to XXXX and therefore continue to mark me as delinquent for that month and every month there after accumulating a continuous barrage of late payments or fees

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 2023-03-23
Company: Athena Bitcoin Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX Two deposits of cash- {$10000.00} and {$900.00} at Atena Bitcoin machine by me under fraudulent circumstances. 
Called Athena and left a message to call me Called Athena back on XX/XX/XXXX and spoke to XXXX XXXX and explained the scam and he said he would file a report and send me a copy of that report-not received as of XX/XX/XXXX. From my receipts, I gave him the tx information and he verified he could see txs and the money was gone. I also asked that he speak to the XXXX XXXX IN Sheriff 's dept, Detective XXXX XXXX to confirm what he was going to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had an attempted identity theft on my bank account and essentially every account I had any password linked to. Multiple suspicious charges ( over 50 ) made on my account to various websites. Totaling in the amount of nearly {$700.00}. Made a fraud claim with my bank around XX/XX/XXXX. Received refunds for the amount of {$400.00} in credits from the dates between XX/XX/XXXX through XX/XX/XXXX. Charges were deemed legitimate by my bank and credits were reversed between the dates of XX/XX/XXXX through XX/XX/XXXX. Inquired about reasoning why on two separate occasions. The first time I called around XX/XX/XXXX I was told charges were legitimate with little to no explanation other than the investigators determined them to be legitimate. Was told that there would be absolutely no more reversals on my account, asked to confirm that this was true and was reassured that the process was over. I was not told that I could contest the ruling by the bank. As of, XX/XX/XXXX started receiving more reversals on my account, almost 3 months later. Called the bank a second time and was told that the reversals occurred because there had been no more attempts to charge my account after my claim was placed with the bank. I had received a new debit card immediately after I noticed the suspicious charges as well as changing passwords to over 30 different accounts which I hoped would stop the charges. Seems that since the charges stopped I am responsible for previous charges?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Company: EQUIFAX, 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 left out the gym around XXXX walked to my car and noticed glass on the ground and my window on the back passenger side broken. I immediately called the police. I checked underneath the passenger side seat which contained my wallet and it was gone along with everything that was inside my drivers license, debit card, credit cards and my social security. I've been fighting fraudulent accounts that has been opened in my name ever since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: International Recovery Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently found out that I have a medical account in collections which was a surprise to me given I have insurance. I also learned that this debt was having a negative impact on my credit report as I am pursuing homeownership at the moment. I reached out and paid the collection balance in full where i was told that doing so they would remove the account given i was never aware of this debt and had I been it would of never made it to collections. 
That said the account was paid in full a month ago and I was never sent a letter of satisfaction for the account nor was it removed just updated to paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It all started at the beginning of the year, some time around XX/XX/2023. I placed an order for a really expensive pair of shoes through the XXXX  app which i have used several times. Everything seemed fine until I noticed the delivery system said my package would arrive a couple days early but that was not the case. I never received the package and the delivery system changed the date for two days out. I was a little annoyed but it was fine I could wait an extra day or two but when the day came I got an email telling me my shoes were delivered but I never found a package at my door. I thought you would have to sign for an expensive pair of shoes valued at over {$2500.00} but I guess not. I contacted XXXX immediately and they told me to wait 3 days and contact them again. So I waited those 3 days and still got nothing and contacted them again which they then requested I fill out an affidavit or file a police report to initiate the claim. I told them I had the right to refuse to fill out an affidavit and police report countless times and they still insisted I fill one out to get my money back. They have held my money for months now unless I file one which sounds totally illegal by the way. I then told XXXX  I will file a dispute with my credit card since they want to hold my money for ransom and they proceeded to tell me they have already filed a claim with the carrier and they will work with my bank to figure this out. ( I thought they needed my to fill out a police report or an affidavit to initiate the claim... are they pocketing the insurance money and my money? ). 3 months later I finally get news that my credit card sided with XXXX  and will not refund me my money. I then requested the documents and evidence from them like the email stated I had a right too and they haven't sent me a single document so far. I made them re-dispute the claim but I have no faith for them doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While refinancing my loan back in XX/XX/2016, I had a long conversation with PennyMac Loan officer XXXX, regarding my PMI while refinancing, I asked when it would fall off, how it works and everything like that. A year later while talking with PennyMac they stated that my PMI is for the life of the loan. This is NOT what I was told from XXXX XXXX Loan officer # XXXX, we had a conversation specifically about the PMI. I would have never signed this knowing that when we had verbal over the phone communication regarding this. I have since complained to PennyMac and have gotten nowhere. They're actually the ones that referred me here to make a complaint. Customer service can't help me on their end, neither can managers of loan officers or managers of service. I am getting no where and was given misleading information, basically flat out lies. Please help me resolve my issue. Please pull the phone calls, I have asked PennyMac multiple times and they wont

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My financial institution sent my payments prior to the due date XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). The checks were presented for payment and I have cancelled checks. 

I wrote to the company 3 times submitting documentation, including a letter from my financial institution THREE times. Each time, I receive a response saying they are workig on it, but receiving a bill dated XX/XX/XXXX showing interest and late fees. 

On XX/XX/XXXX I called AGAIN, and was told the letter was not acceptable because it didn't include an " amount ''. This is untrue, all the documentation was included. Also, they tried to tell me it takes 60 days to resolve -- also untrue -- have been trying to resolve this since XXXX. Once I threatened to file a regulatory complaint, there was some vague comment about some " supervisor '' resolving this. 

I believe this was a blatant attempt to defraud a consumer.

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 2022-07-21
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter from CDI dated XX/XX/2022 in regards to a debt they claim I owe. After receiving the letter in the mail, I mailed them a letter requesting validation of debt and cease and desist ( both requests were included in the same letter ). I later received a letter from CDI dated XX/XX/2022 that says " Enclosed is the information you requested to validate your debt. '' This signifies that they did receive the previous validation/cease and desist letter. After receiving this letter, I made a phone call to CDI to let them know I dispute the charges, to which they advised that they had received my previous letter and sent out the validation. They also advised that I would need to send in a written request to dispute the debt. On XX/XX/2022, I sent them a letter disputing the debts and asked that all collection attempts be stopped due to the dispute. 

On XX/XX/2022, I received a call from CDI in regards to the debt in question. I told them there was a cease and desist, to which they said they would not call again. On XX/XX/XXXX, I received another call from CDI and took the call further asking why they were still calling when I had sent in the cease and desist and had verified via phone that they had the information to no longer call me. The agent, XXXX, said that she did not have anything on file for me. They claimed they did not have any letters that I have sent. But she did say that they sent the debt verification letter in response to my request- which was the letter I had sent requesting validation along with cease and desist. I further questioned and let her know that it was a violation of federal debt collection rules to continue to call after receiving this letter. She kept saying that I could re-send those as they do not have copies. She also kept mentioning that she would list it as I " did not want to pay '' the debt. I reiterated that it was under dispute. She got frustrated and rudely hung up the phone on me. 

I called back and spoke with XXXX who identified herself as the manager. I asked the same questions and she said that she had instructed XXXX to disconnect the call. They would not answer why they had not kept any copies of the letters I sent to them, nor respond to why they have started calling me again. XXXX told me ( to paraphrase ) " as politely as I can, there is nothing more I can do for you. '' She said that they have now " removed '' my number from their database, but I have still yet to hear anything about my dispute of the charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am formally filing a complaint for the following accounts listed on my credit reports for the following reasons : XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. 

The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. 

The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to XXXX XXXX XXXX, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. 

The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: National Credit Adjusters, LLC
State: IN
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:
The credit report information is incorrect These accounts have been closed XXXX XXXX XXXX XXXX These accounts should be removed from my consumer credit profile These accounts should be removed from the three credit bureaus - XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX Accounts below has violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

I demand both accounts to be removed from my credit profile immediately. Its against the law to disclose my information to a 3rd party consumer without my consent and furthermore there was never a 30 day investigation done to determine the accuracy and proper procedure. 

Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number 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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a personal check for {$27000.00} on XX/XX/23 - I was never advised there would be a hold. A few hours later I received an email notice stating that a 10 day due to specifics that it " may not clear '' - On Monday night the check cleared the signers account and she received confirmation of such. I went into the bank on Monday XX/XX/23 and was advised they wouldn't remove the hold because of they reason - when I inquired as to the reason he didn't know but per his manager XXXX - they wouldn't remove the hold and I would need to wait until XX/XX/23 for the funds to become available. Inquired why the continued delay when the Check XXXX clearinghouse process made it faster for funds to clear - The funds have been debited from the signers account- so Bank of America will sit on my funds for 9 additional days just because?

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