BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
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: Problem with paying off the loan

Complaint:
I have a car loan with Ally auto and they keep tagging on erroneous fees with no explanation. My last statement and my last car payment was XX/XX/XXXX of 2023. The amount of the car payment was XXXX with erroneous late fees of XXXX total amount due before payment on XXXX statement was XXXX paid my last car payment which the only thing left would be the disputed late fees of XXXX XXXX today when I looked in Ally Auto without any explanation any statement, nothing says I owe an additional {$190.00} They kept giving me different excuses but clearly on my statement it shows no additional charges they tried giving me different excuses and none of them added up. I have a copy of my last statement as well as on the website it says I only owe the disputed late charges but when I go to look at a snapshot of what my total is they added on the {$190.00}. 
with no provision as to why on top of that I have auto pay set up and in XXXX where I dont even have a car payment due they were going to deduct another {$370.00}. I have repeatedly contacted Ally Auto. I have contacted their corporate office theyre never there nobody ever picks up the phone and their customer service reps. Do not speak English very well, theyve given me 15 different answers on this erroneous charge and I have the documentation to prove that I do not owe this 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 had my purse stolen several years ago and filed a police report then. I noticed accounts and inquiries being opened in my name so I filed a report with the FTC and submitted another police report to help remove some of these fraudulent inquiries and accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my mother that I kept receiving mail at her home from a collection company. She said she the most of the envelopes away thinking it was just trash. Until just recently she decided to open the most recent letter because it from the same place from before. I don't owe any money to anyone. Some one falsely has given my name and social to open many accounts under my name. I had to pull my report to figure out what was happening. I need all these fraudulent unknown suspicious accounts off my report. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$290.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$420.00} XXXX LXXXX XXXX XXXX XXXX   XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Through a clerical error which led an insurance agent to believe that Caliber Home Loans was an escrow agent for said loan, renewal documentation and invoice for a home insurance renewal policy was sent to Caliber instead of borrower.

Caliber was aware that they were in possession of the renewal invoice, but withheld that information from the borrower. Caliber failed to notify borrower that Caliber had received the renewal invoice, and Caliber failed to notify the insurance agent that they were not an escrow agent for the account. 

As a result, the insurance expired on XX/XX/XXXX. 

The borrower received no notices from Caliber until XX/XX/XXXX. 

Caliber failed to provide the legally required notices under 12 CFR 1024.37 The borrower immediately arranged for new insurance but due to a lapse in coverage greater than 30 days, borrower was unable to continue uninterrupted coverage and a new policy was initiated on XX/XX/XXXX. 

Caliber was sent proof of insurance no less than 5 separate times, but in each case, Caliber failed to cancel the FPI policy within 15 days as required by 12 CFR 1024.37. Further, Caliber continued to make a false statement of fact that no proof of insurance had been received, despite the fact that it had been provided multiple times, including by certified mail return receipt. 

Additionally, Caliber claims that because they purchased the FPI policy, it automatically triggered the creation of an escrow account, which now can not be removed because the mortgage is securing an FHA loan.

Caliber claims that all legal notices were mailed, but can provide no proof of mailing, such as a postal receipt, certified receipt, or return receipt. Therefore, the forced-place insurance policy was purchased illegally, and the corresponding escrow account is invalid and should be removed from the loan.

Borrower continued to make timely Principal and Interest payments on the loan. On XX/XX/XXXX borrower received a Notice of Default from Caliber, sent by certified return receipt for non-payment of the disputed escrow charges.

It is the borrowers belief that Caliber willfully and intentionally withheld information from borrower which would have allowed the existing insurance to be renewed without any lapse of coverage. Further, it is the borrowers belief that Caliber did this so that they could purchase a higher-cost forced-placed policy in order to force the borrower to escrow insurance for the remaining duration of the loan, require additional payments each month, to be kept in an interest bearing account for which Caliber retains said interest.

Borrower has had numerous discussions with Caliber over the past six months, but has received no satisfaction, and will be initiating legal action if the matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-27
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-02-17
Company: NCB Management Services Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/20, Called me from a spoofed local number, then 6 minutes later called me from their business number. 

They keep calling my parents landline after being told by my parents that I can not be reached at that number. dates and numbers of recent calls to my parents. 
XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX at XXXX and XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX, XX/XX/20 ; XXXX. 
Thats just this month so far, XX/XX/XXXX and XX/XX/XXXX are just as bad. 

I have told them I don't want to talk to them, I have hung up on them and blocked their numbers yet they repeatedly call me and my parents over and ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: MA
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:
This complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with XXXX, Equifax and XXXX. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: SC
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  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, 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 agency can not furnish a account without my written instructions I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are Experian : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX  # XXXX, 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 agency can not furnish a account without my written instructions I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: LA
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:
I am writing to file a complaint regarding a medical collection for {$350.00} from a collection agency called XXXX XXXX XXXX with account number XXXX I believe this collection agency has violated the HIPAA law, and I am also aware that a new law has passed in 2023 stating that medical collections under {$500.00} can not be reported to credit reports anymore.

Despite the fact that my medical debt was under {$500.00}, I have been receiving harassing phone calls and letters from XXXX XXXX XXXX, demanding payment for the outstanding balance. Additionally, I have noticed that this collection agency has reported this debt to my credit report, which has negatively impacted my credit score.

As per the HIPAA law, medical information is considered private and confidential. However, XXXX XXXXXXXX XXXX has disclosed my medical debt to third parties without my consent. This is a clear violation of the HIPAA law and has caused me significant distress and inconvenience. 

Furthermore, the new law that has passed in 2023 clearly states that medical collections under {$500.00} can not be reported to credit reports anymore. Despite this, XXXX XXXX XXXXXXXX has reported my debt, which is unfair and unjustified. 

I kindly request that you investigate this matter and take appropriate action against XXXX XXXX XXXX. I also request that my credit report be updated accordingly to reflect the new law that prohibits the reporting of medical collections under {$500.00}

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 2023-04-09
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
According to Wells Fargo my new mortgage payment for principal and insurance is XXXX and the monthly escrow payment is XXXX. My homeowners insurance went down from XXXX to XXXX. My flood is XXXX. Basically Im had my escrow reran twice and XXXX per month is XXXX a year that is excessive for escrow. Im basically being priced out of my home in excessively high escrow fees. 

Initially my insurance come increased from XXXX to XXXX I immediately found cheaper hazard insurance at XXXX. Well Fargo paid that XXXX I had that insurance company refund me the money, and I sent it into Wells Fargo to be paid back into the escrow.

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 2023-12-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I just received a Change in Terms notice from Synchrony Bank for my Lowe 's credit card. They plan on charging customers a {$1.00} monthly fee to receive paper statements. How is this possibly legal?? What are elderly people or any other demographic without computer access supposed to do? I am truly shocked the CFPB allowed this type of change. 
But then again, you are the same agency that is forcing credit card banks to lower late fees. You realize you are removing the incentive customers have to pay their bill on time, right? 
So, you are good with an unnecessary paper statement fee but not ok with a legitimate late fee. Brilliant.

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 2023-03-07
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 demand you remove the inaccurate account listed on my credit report immediately! ) XXXX XXXX  XXXX XXXX XXXX want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXr XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: SC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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