BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ally Financial is reporting an inaccurate repossession on my reports that I have been disputing for some time now. 

I have contacted them numerous time requesting all documents and information pertains to this debt. I sent them debt validation requests on XX/XX/2021 and XX/XX/2021. It has been well over 30 days and still no response. 

Furthermore, they re reporting inconsistently and verify invalid information between the credit bureaus. How are they able to verify inaccurate information and not respond to my disputes? If they have not replied to me I know they have not sent any valid proof to the credit bureaus concerning this debt. 

It is the consumer reporting agencies responsibility to acknowledge and respond to any and all dispute request and Ally Financial is in violation of my right to dispute. I am demanding that this account is deleted from my reports and all documents concerning this account is mailed to my address.

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 2021-10-25
Company: Experian Information Solutions Inc.
State: OH
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, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal rights.

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 2023-03-29
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
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:
Background : My interest rate was 29.99 % on a credit card I hold with the Bank of Omaha and I have continuously paid my credit card balance in full but my troubles began on XX/XX/2023. Please see below for details. 

On XX/XX/2023, I had a previous balance of {$660.00} which I paid in full and a new Balance of {$3100.00}, with Balance subject to Interest Rate of {$2600.00} and interest of interest due. 
On XX/XX/2023, I had a previous balance of {$3100.00} of which I paid XXXX, and a new balance of {$3700.00} with Balance subject to Interest Rate of {$2500.00}, and interest of {$58.00}. 
On XX/XX/2023, I had a previous balance of XXXX of which I paid {$3700.00}. and had a new balance of {$1800.00} with Balance subject to Interest Rate of {$3600.00}, and interest of {$87.00}. 

Prior to the XX/XX/2023 statement I paid {$2100.00} against the amount of {$3100.00} which meant I had a remaining balance of {$990.00}. 
Interest on {$990.00} at 29.99 % according to my calculation should be {$24.00} but I was billed {$5800.00} which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$2500.00}. 
Prior to the XX/XX/2023 statement I paid {$3700.00} against the amount of {$3700.00} which meant I had a remaining balance of {$0.00}. 
Interest on {$0.00} at 29.99 % according to my calculation should be {$0.00}, but I was billed {$87.00}, which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$3600.00} I spoke with XXXX from the Bank of Omaha and she promised to remove the {$87.00} interest charge because they may have done so if I paid the next statement in full.

My concern is that the Bank of Omaha and others in the credit card industry are charging me and maybe tens of millions of others like myself interest on transactions for which we have been billed and at some exorbitant rates. 

I also told XXXX of Bank of Omaha that I will be recording my phone call with her because the bank is recording my phone call with her but she refused to speak with me if she was recorded. 

Where are we with the laws of this great land? Consumers are at the mercy of the corporate giants and it appears that we are helpless.

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 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! Violation of Fair Credit Reporting Act. 
TRANSUNION XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( 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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-24
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a previous complaint under my married name XXXX XXXX, which is still in process through the social security office. The complaint is supposed to be under my maiden name XXXX. On XXXX sent Identity theft report along with affidavit, and notary presentment to Ad Adstra through certified mail Receipt # XXXX to remove unauthorized account that was not opened by me, and I am yet to receive any communication from Ad Adstra about them following the law pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt, and this hasn't been done which is a violation of my rights and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I received notice from my company that {$600.00} will be garnished from my wages and will continue to be taken until {$16000.00} is paid off. This was the first time i herd of such a debt, i had never received any previous contact or information regarding this debt priory to this date. The companies involved were XXXX originally and now being handled by Midland Credit Management. I have purchased Cars previously and this has never come up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX is trying to collect {$5200.00} on a PayPal account that has been dormate for over XXXX year 's this exceeds GA statue 's of limitations of over XXXX  year 's.

I was unaware of this for the past XXXX  year 's and received no notice until now, I've checked my credit report over the past XXXX year 's and nothing was posted on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Citadel Servicing originated and now services my mortgage. My small business has been adversely affected by the pandemic and government-mandated quarantine. I am collecting unemployment but unable to make my mortgage payments due to my payments being XXXX per month and my unemployment being {$1800.00} a month. Citadel is not following the industry norm and allowing up to 12 months of forbearance like the government-backed loans are required to per the Cares Act. They are foreclosing on my home and have issued me a notice of intent to foreclose. I find it reprehensible that they would do this to a small business owner in the midst of a global pandemic. Its not my fault that the government has shut my business down. Now they want to ruin my credit and take my home. They earlier agreed to a forbearance but will not extend the forbearance for 3 more months. As the pandemic continues and quarantines and moratoriums are extended, they should follow suit. I think it is very unethical what they are doing to me considering the environment we are in and the fact that I have no control over this pandemic or government-issued restrictions impacting my ability to earn an income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Three ( 3 ) Unauthorized XXXX transfers via Bank of America ( BoA ) totaling {$5700.00}. On XX/XX/XXXX, Bank of America, via XXXX, transferred {$290.00} from my BoA checking account to an unauthorized recipient. On XX/XX/XXXX, BOA, via the XXXX XXXX, transferred {$3500.00} to the same unauthorized recipient. On XX/XX/XXXX, BoA, via XXXX, transferred a final {$2000.00}, from my BoA account to an unauthorized recipient. My initial contact for that unauthorized recipient was via an email address. At some time unknown to me, someone changed the initial contact email, via which I had sent a past payment to an authorized recipient, and had no reason to change the destination email, to an unauthorized telephone number by which the 3 erroneous transfers were made. Beginning on XX/XX/XXXX, I have had extensive discussions with BoA, and it twice now has reviewed my past claims, and denied the {$5700.00} claims. BoA claim Number XXXX. I have had multiple discussions both with the civil and fraud sides of BoA. BoA states only that I had authorized the three transfers, but has yet to submit any documentation to me indicating by what documentation it has arrived at that conclusion. The last BoA contact I had was in XXXX of XXXX. I recently read of the CFPB 's interest in XXXX transfer issues, and decided to file this complaint. I likewise filed claims to the FBI 's ICCC ( Internet Crimes Complaint Center ) on XX/XX/XXXX, but heard nothing back. Finally, I notified XXXX XXXX ( I live in XXXX ), as supplemented by additional information on XX/XX/XXXX, but have heard nothing back from that local complaint ( ID IR # XXXX ). I likewise notified XXXX, but have had no substantive discussions with it. 

Finally, I contacted the unauthorized recipient 's phone number repeatedly, but, of course, have had no response. BoA did alert me to the recipient 's XXXX ( I also live in XXXX ) bank, and I spoke with its fraud staff about the fact that one of its customers, whom I identified by name, and dates of transfers, as well as amounts, had received and accepted unauthorized transfers. I have no idea what, if any, actions that bank ( XXXX XXXX ) took vis a vis the account holder. As a former XXXX XXXX for a publicly-traded, XXXX XXXX  company XXXX ( XXXX XXXX  ), I understand full well how frauds occur, and was shocked at the treatment I have received from all other parties to these financial transactions. I have paperwork to support all of my claims for you in needed, and would be happy to speak further with a CFPB representative.

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 2020-06-16
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 is missing that should be on the report

Complaint:
I contacted XXXX XXXX because all three credit bureaus, Equifax, XXXX  and XXXX deleted the XXXX  XXXX account. I received an alert today. When I spoke to the bureaus informing them that they deleted the creditor which I paid the account to a XXXX  balance, which by deleting the account it decreased my credit score. The 3 bureaus indicated that XXXX XXXX deleted the account and they are the ones who have to reinsert the account back to the 3 bureaus. I had previously discussed this issue with XXXX XXXX because the account was showing deleted from XXXX, I received an alert about the deletion. Well, instead of reinserting the paid credit card account, it was deleted from all 3 credit bureaus. I called XXXX XXXX today XX/XX/20 after speaking with the bureaus and explained to the representative that according to the 3 bureaus that they, XXXX XXXX had deleted the account from the bureaus and they stated that XXXX XXXX had to reinsert. She didnt comprehend what I was stating, therefore I requested to speak with a supervisor. She connected me to an individual by the name of XXXX, who was extremely rude and unprofessional and he did not have a clue whatsoever in regards to what he was talking about. Hes telling me that the account was deleted from the credit reports because of Corvid 19. I stated to him, that had nothing to do with my account. I paid the account months before the Coronavirus and the account reflected a XXXX balance. I tried to explain to him that the only thing could have possibly been inserted on the credit reports in general was that it was perhaps a notation of a major disaster, and not reporting late payments for 90 days. I tried to tell him that isnt what was going on in my case. I tried to tell him the account was paid out before the coronavirus and there was no need for my account to be deleted and he again said that is why it was deleted. This XXXX character, from XXXX, FL, kept cutting me off, telling me to wait, informing me I dont know what Im talking about, when I was merely trying to explain what transpired. I got upset and raised my voice and informed him, he was no help, extremely unprofessional, hes extremely rude, clueless and I would like to speak to someone else. He refused & nastily said, he could not help me. He needs to be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 my unemployment account through Bank of America was compromised for {$260.00}. I called Bank of America and filed a complaint and they closed the account and sent out a new debit card. I received 1 payment first week of XXXX, and then Bank of America froze my account. I was told to fax ID to Bank of America fraud dept. which I did. On XX/XX/2020, I sent copy of my ID and Social Security card, front and back, to Nevada unemployment. On XX/XX/2020 I received a call from Nevada unemployment fraud dept. to verify my identity and was told 5 to 7 days my account should be open. On XX/XX/XXXX, I was sent the ID me online verification, completed. Called both organization rest of the month to be redirected to each other. On XX/XX/XXXX, I called NV unemployment and was told they had re-submit my info to have my account reopened to Bank of America and it would take 2 more weeks. Talked with both today to be told the same thing, NV unemployment says they sent the request, Bank of America says they have not received anything from unemployment. I have been in this loop for too long and account still frozen. Please help.

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 2022-07-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Because I am a Citibank credit card customer, they solicited me to open a savings account. I opened this account on-line in XX/XX/2021. On XX/XX/2021, I responded to a request for information via fax. I deposited additional funds to the account several times over the last year until this month. At no time did I get ANY notification of any issues with the account - not any alerts, no letters, nothing on monthly statements. When I attempted to withdraw some money 3 weeks ago ( via an on-line transfer ) it was blocked. I have now called " customer service '' over 15 times and talked to over 50 individuals, many of the calls unintelligible. I discovered after the XXXX or XXXX call that Citibank put a hold on my account to prevent me from withdrawing ANY money in any way. I have now faxed documents 3 times and mailed documentation to an address I was given after my 7th call ( with delivery confirmation ). Initially I was told that " their system was down '' and they couldn't confirm document receipt. Now I am being told that my documents have been " rejected ''. Every time I get a different answer concerning who to talk to, what to submit and what will be sufficient to address this " hold ''. This has gone on for 4 weeks. MY MONEY IS BEING HELD HOSTAGE.

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