BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 at XXXX, Ally Financial contacted an outside party. The outside party is a coworker of mine. The outside party was asked about my account twice even though the purpose of the call was to discuss their personal account. XXXX XXXX verified my coworkers social security number and phone number, and still proceeded to discuss the amount owed and my account with this person. This is a violation of 15 usc 1692b and 15 usc 1692c ( b ). This call was recorded. 

I understand that Ally, Ally Financial, Ally Bank are all registered under different business registration numbers. All being a different business possessing their own name. 
( the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. )

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 2019-04-26
Company: TOWNEBANK
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my loan XX/XX/XXXX with Monarch Mortgage company. A year later I received an email from Monarch requesting my signature on a document. I didn't feel comfortable about signing documents after the fact ; therefore, i reached out to Bank XXXX XXXX ( XXXX ) to seek advice. i was told XXXX didn't have any documents regarding my mortgage. Therefore, I refused to sign any documents from Monarch. On XX/XX/XXXX I logged onto XXXX XXXX website to retrieve a copy of the deed of trust because XXXX sent a letter claiming they transfered my deed of trust to XXXX XXXX. This was alarming because XXXX was never listed on my deed of trust nor were they listed as the trustee. I found four new amendments with my signature ( forged ) and reference of consenting to the amendments. ( I didnt consent ) I was unaware of these amendments. Documents are attached. Please advise me of my rights. greatly appreciate any assistance in this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX : # 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 an 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 2023-05-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want you to look at the attached documents to understand what happened to me and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
credit card company is Genesis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX, first card payment, i enrolled and payed on time using my bank institute which normally takes 2-3 business day, wrong it take them 1.5 weeks to process payment then was XXXXXXXX XXXX  charges returned fee charges late fee charges and because FS takes to long in processing. i explain that i have lots of movement in my checking account and if there is a way to pay more rapidly, the gave me a XXXX number which is noted above, same thing i pay and it get process late this card does not operate like other, this milestone acct does not accept debit card payment over the phone or online. its so difficult wo pay on time when they take 1 week and a half to note the account by than its already late i cant imagine how many others are experience the same as i do. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 2023-05-05
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: Was not notified of investigation status or results

Complaint:
I need you to please look properly at the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have been disputing in writing numerous incorrect entries on my credit reports for months with very little success. I need to have these items removed from my credit reports with XXXX, Transunion and XXXX as soon as possible as this has been going on for too long.

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 2019-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PLEASE, CFPB, PLEASE!!! ASAP!! FOLLOW UP ON COMPLAINT # XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX # XXXX We are in dire need of those funds that BANK OF AMERICA will not return to us. Why is Bank of America keeping our money??? Because of a " hold harmless '' agreement that we know nothing about? It is Bank of America 's fault that they did NOT do their DUE DILIGENCE when this criminal opened a fraudulent account. When we called them at the end of XXXX, 2019, the funds were still in the account at Bank of America. What gives them the right to keep our funds?? OUR HOME IS IN FORECLOSURE AT XXXX XXXX XXXX, in Michigan. We need our funds to save our home!!! 

CFPB : The Bank of America Regulatory and Compliance office has called us. 
Keep putting the pressure on because we need those funds back asap!!! 
Tell them they can just send us a check! Or we will file a lawsuit! 
Thank you so much for all you do!

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 2023-05-05
Company: EQUIFAX, INC.
State: PA
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: AZ
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:
Please Remove it from my Credit Report. If you don't remove them i would like {$1000.00} per violation in accordance with the FCRA. XXXX Account number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had major issue with Ocwen mortgage as y loan servicing, and now they are PHH, same bad practices. But recently I had to file bankruptcy to protect my home, I purchased my home in 2007 for $ XXXX, had a refi with Ocwen which actually was a modification after was completed, and they charged me {$20000.00} after applying the payments I continued to pay into a type of escrow, I called XXXX and was advised to refinance and leave Ocwen. I tried to leave with 3 different mortgage companys but they had to stop my refinancing due to Ocwen failure to send a valid payoff. Now I have had to file bankruptcy due to the loan servicing in XXXX my bankruptcy balance with PHH is {$56000.00}, loan balance is {$240000.00} and a negative escrow of over {$12000.00} ( not sure what for ) so I owe PHH {$50000.00} more than what I narrowed in 2007, my payment that was agreed in bankruptcy was my 2007 payment of {$1600.00} but they bill me every month twice that? Is the only way to get help with the Utah Attorney General? How do I protect myself and not loose my home when I have proven several times I can make my payment but they continue to XXXX me over? I need help! I am a single mom and cant afford to loose my equity and at the same time I dont deserve to loose my equity in over inflated fees?!?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received two notificarions from credit card companies : XXXX XXXX ( XXXX WI XXXX ) Of a credit inquiry in XX/XX/XXXXvia XXXX XXXX And XXXX XXXX XXXX via XXXX on XX/XX/XXXX Needless to say I havent requested any of these credit cards. In fact, I have been in XXXX since XX/XX/XXXX ( until XX/XX/XXXX ), and I am from XXXX XXXX. 
Therefore, it is my understanding that someone is trying to steal my identity. 
Please address this ASAP.. I cant afford getting my credit score damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Thaxton Investment Corporation
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: Account information incorrect

Complaint:
XXXX XXXX XXXXy showed up on my report as a new open account on XX/XX/XXXX with a delinquency. I have attempted to contact the company with no response via mail and phone. If the company bought old debt from another company they are not showing correct delinquency dates and the amount is higher than closed off account. This company is reporting as a brand new debt that is not correct. If it was bought from another company the delinquency date should be XX/XX/XXXX with XXXX XXXX  with a closed date of XX/XX/XXXX and a balance of {$720.00} XXXX XXXX XXXX has a new open date and delinquent date as XX/XX/XXXXXXXX XXXX  with a balance of {$1100.00}. I have submitted disputes with all 3 reporting companies. Changing the delinquency date and additional amount are both violations of Fair Debt Collections. Also, I am a south Carolina resident and S.C. has a 3 year statue of limitations on these types of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: NY
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:
On this auto loan, I wasn't late. I request that all past-due payments be changed to " PAID AS AGREED '' and that a DELETION of each late payment be done right away to stop future damage to my consumer credit reputation. 

Account Name : XXXX 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 explanation
Consumer complaint received 2023-11-24
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred {$150.00} through the Discover Bank to them from my XXXX XXXX account to cover two outstanding amounts, an {$83.00} check to XXXX XXXX as they do not accept debit cards and a {$31.00} autopay to the IRS for my federal taxes. I was assured by the Discover rep that all was fine. This was done on XX/XX/2023 and I received confirmation from Discover that the money would be transferred by XX/XX/2023. I then received notice the transfer had been completed on XX/XX/2023 and then another email stating transfer was completed and money was in my Discover account days ago. Then today XX/XX/2023 I received a notice my account was overdrawn. I looked at my account and the money was showing deposited but they had returned the {$83.00} check!! Which means the business will now try to gouge me for $ XXXX {$50.00} in fees!! I called and spoke with two incompetent workers who did not do a thing but waste an hour of my day repeating what I said, then said they would transfer me to a supervisor, his name was XXXX and he was even worse! He made no attempts to just release the funds and pay the check but instead remarked sarcastically it can take up to 10 days for the funds to be available and since I have had several stop payments on the account I placed ( which were due to being cheated by others ), and a few payments returned over the last 15 mo due to having XXXX income while off work on unpaid medical leave from the State of IL XXXX after working XXXX hr weeks for the last six years and pandemic, it would probably take the full 10 days! I have already checked my XXXX XXXX account and the money has been taken so it is not there, it is at Discover and he acknowledged this, but they still are not giving me access to my funds and paying the check that came through!! I closed my two other accounts with Discover today due to this and will close this one too once these two payments clear. This so called manager is a joke!! He is incompetent and only seemed happy to close my accounts after 4 yrs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Prime Recovery LLC
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: Account information incorrect

Complaint:
I have a loan showing open XX/XX/XXXX with the XXXX XXXX, which I did not open any loans with anyone in XXXX. When I contacted the XXXX XXXX on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXXXXXX XXXX XXXXXXXX they said they did not have a file for me and to contact XXXX XXXX. I spoke with XXXX XXXX and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LL stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022. $ XXXX. Bank of America and partner XXXX said they cant do anything right now. Once fund has been transfer through XXXX you cant get it back. Its immediate, but they just let me file a complaint that will take 10 business days. 

I get this robocall at around XXXX am saying This is Bank of America, our bank fraud detection system has detected {$2000.00} being transfer from your account to XXXX XXXX through XXXX. Press XXXX to get with a representative. 
I go ahead and press XXXX This call will be monitor A XXXX guy with a polite cooperate voice answers the call. I google the the number XXXX. It was Bank of Americas number. 
He told me XXXX XXXX was trying to take money through XXXX. I went to my account and didnt see any activity and was confused. He assured me that I dont see it because XXXX has turned off the notification. 
He just needed to get into my account and reverse the transfer. All he had to do was get me to say authorization codes for him to log into my account. Reset my password. Got my ssn. Got my email. See what device XXXX uses to log into bank. 
He put me on hold and said let me get my supervisor to do something, please hold. I thought the guy must be new. 
He disconnected while Im on hold, but immediately got back to me hastily. Im over here thinking wow Bank of America sure cares a lot about preventing fraud before it happens..

Did one more authorization code. Then put me on hold and did something with supervisor. Finally disconnect I waited a few minutes. $ XXXX was being transferred to the actual scammer through XXXX ( XXXX XXXX XXXX ) XXXX XXXX pm. 
I called the number to see what was going on and it was the real Bank of America customer service.

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 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have Spoken to XXXX, XXXX, XXXX all at bank of America about my account being closed was never notified and they will not release my money. I let them know i needed either a letter to provide to my landlord about them holding my money or i need it to be released so my children and i are not evicted. They were very rude and unable to assist me with my matters. I let them know i was going to report them to banking commission and that didn't matter to them. I desperately need some assistance on getting my money from the account they closed. {$1300.00} is what is in my account. I can be contacted via email. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief