BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I started receiving phone calls on my cell phone - non-stop. I called my cell phone provider to report that my phone wouldn't stop ringing from unidentified numbers. 
12 hours later, I found out that someone XX/XX/XXXXout almost {$15000.00} out of my checking account. Initially, they made two deposits XXXX XXXX and XXXX ) then transferred money out of my account by hijacking the network. I had spotted the transfer on the same day, called the bank filled a digital fraud claim, explained to the representative what had happened that that someone used my phone to complete the transactions. I had requested that these transactions would be denied because they were in the " processing '' status. 

Bank of America representative kept on asking me whether I had called in earlier that day, and then had confirmed with me that someone called the bank, claiming to be me, but was unable to bypass security. 
I filled a police report at XXXX XXXX Sheriff Station on the same night. Two hours later all calls have stopped. ( I am attaching a screenshot of the calls so you can reference the frequency of the incoming calls ). 

XXXX has a record of all the incoming calls, which there are almost 70 pages of incoming calls ( which an operator from XXXX had confirmed with me ). 

On XX/XX/XXXX, I have received notification from the bank that Bank of America will not honor my claim because " their investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity ''. 
Bank of America - never looked into the fact that my phone was accessed by criminals hacking the network!! 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 2023-01-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I wrote a questionnaire to executives at Ally Financial once i noted a few false and misleading statements on the alleged loan agreement when my automobile was first purchased at XXXX XXXX using an initial promissory note which by way of my signature/autograph gave full faith and credit. 

Ally Financial is in dishonor and is without a positive-performance-response for the following correspondences : - Certified Mail XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. 
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX. 
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Relations. 

On all the correspondences i specifically told the Executives i promise to pay the alleged debt and stay in honor yet i needed a few questions answered to achieve correctness and settle the matter for my court of records. 

It has been six months now and there has yet to be any responses to my questions. All i received from a po box non contracting venue is photocopies of the credit transactions i have made on the alleged car loan. 

I strongly believe that Ally Financial is hiding and/or can not provide any of the following details : 1. The origins of account number where the funds originated to purchase the car.

2. Who is the original creditor.

3. If the account has been securitised.

4. A true and certified copy, NOT photocopy of the original note under penalty of perjury with unlimited liability and confirm that this note has never been sold. 

I have stayed in honor by adding credits to this account as this matter is solved. 

I need full closure of this matter no later than 21 days.

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 2021-01-11
Company: EQUIFAX, INC.
State: GA
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: GA
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:
Recently XXXX XXXX wrote back to me, and addressed my concern about a late payment in XX/XX/2018 and I was told to forward that letter to XXXX  and Equifax ... XXXX and Equifax still will not remove the late payment ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I think that I've been victim too bank fraud. I've submitted a complaint with the cfpb before about this. 
Generally on XX/XX/2022, I finally got a chance too make an effort in XXXX XXXX too board the XXXX Transit authority and attempt too renew my D.L. or get my I.D., because of my address. 
I had prior too this made several attempts too confirm my address over the phone ( with truist/bb & XXXX bank card holder services ), that they mysteriously stopped validating. They had also locked or deactivated my card '' status unknown '', and left me with no real accessibility to it.

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 2021-01-11
Company: Diversified Adjustment Service, 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:
On XX/XX/2020 Div Adj Serv added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Div Adj Serv has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Synchrony, a credit card company that partners with JC Penney sent out a new credit card to replace the card ( and number ) that I had as a line of credit through the store. I went to pay off my new charges and noticed that the APR had ballooned from the low XXXX  to over 30 % APR. The new credit card just showed up in the mail stating that it replaced my old card now with more benefits. There was no prominent disclosure or mention of fees/ rates changing with the new card. 

I was shocked by the gigantic increase and feel that this was dishonest in the way that the new card came with much higher rates. I tried to address this with a representative through their chat function on the website and Synchrony 's representative said there was nothing that could be done about the rate, and that " I had agreed to that APR when signing up for the card. '' Of course none of that was the case since I opened the card with the store years earlier and 30 % is abject usury. How can this be lawful?

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 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I received a copy of my credit report from Experian Credit Reporting Agency. After a quick review I noticed they had an account from XXXX XXXX showing as a collection account with a balance owing of {$900.00}. That is completely in accurate. That account was paid off and has been completely closed out. I reviewed my credit reports from XXXX and XXXX and they both show that the XXXX account has a XXXX  balance, and it has been closed out and was never in collections. I also spoke with XXXX directly the day I got my Experian Credit Report, and they confirmed that my account has been closed out and it has a XXXX balance and was never in collections. They also told me that they are required to notify their clients via mail and email of possible collection action if they don't get paid by a certain date. I replied back saying that's what I thought too. I told them you guys never sent me anything via mail or email threatening me with any type of collection action. They said we didn't need to your account never reached that level. I said then why is Experian showing it as a collection account with a balance of {$900.00} owed and XXXX and XXXX are showing it as a closed account with a XXXX balance? XXXX said they have no idea. We reported it to the credit reporting agencies as closed with a XXXX balance. Our system shows your account was never in collections and we never sent anything out to you threatening you with that type of action. As far as the credit reporting agencies go, it sounds like XXXX and XXXX are reporting our information correctly and Experian isn't.

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 2022-06-14
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital System reported to all three credit bureaus a debt of {$950.00} that is not owed by me. This debt was previously removed from the report, but is appearing again. The creditor never contacted me prior to reporting such to the credit bureaus. It failed to follow the guidelines outlined in the Fair Credit reporting act. As such, it is requested that it be removed from all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have proof that the CRAs are not in compliance of 15 U.S. Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The information reported is not been properly verified.

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 2021-01-08
Company: EQUIFAX, INC.
State: AZ
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 want to a complaint on the one of your reps representatives that I spoke with today XX/XX/2020. I spoke with XXXX in your fraud department, and a few others in customer service These representatives speak from an entitled perspective and aren't there to correct unverified, erroneous and inaccurate name, addresses, inquiries and previously disputed accounts. Furthermore the accounts that are being reported inaccurately you guys have so called verified inaccurate, erroneous and unlawful information going against the Fair Debt Collection Practices Act as well as USC Section 1602, 1605 and 1692. Due to your company not investigating my disputes from XX/XX/2020 till current you have verified the inaccurate accounts referring to XXXX XXXX XXXX  act XXXX, XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The following accounts that I have added above have been removed from one of the major bureaus XXXX  and XXXX. proof provided below, Due to XXXX  and XXXX not being able to verify these accounts under the 609 Credit reporting Act they followed the laws that are governed to protect our consumer rights. Due to these two major bureaus complying with the laws that protect me why isn't your company following these laws and complying as well. Also how are you guys verifying these inaccurate and unverified accounts? These laws state that you have to prove how you are verifying this information and due to you not having this information you are going against these laws which has caused me personally major distress The following inquires XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, have also been proved to be inaccurate and unauthorized by XXXX  and XXXX. The following public record being reported on my file is against the Fair Credit debt collection Practices Act act and the Fair credit reporting Act. You are reporting this public record as if you are the original furnisher, only the original furnisher can report accounts or information with written consent and compliance with the USC 1602 and 1692. This public record has been proved to be reported inaccurately by XXXX  proof provided below as well. This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Mr. Cooper ( Nationstar Mortgage, LLC ) website and phone systems are down since XX/XX/2023. I along with its 4 million customers are unable to logon to the website to either check our mortgage balance, pay balance, have automated payment initiated. The same is with phone systems. 
It has been 5 days with no ETS provided by the company. 
How can a stock market listed company be down with a cyber attack since 4 days. 
Why were there no safeguards to detect and prevent cyber attacks for a mortgage processor that has XXXX XXXX customer and XXXX XXXX in revenue. 
What oversight is XXXX playing to protect the customers. 
How will XXXX ensure such issues are not repeated by companies like Mr. Cooper. 
Please initiate an inquiry. 
Information on Mr. Cooper website about the cyber incident - https : //incident.mrcooperinfo.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

CONVERGENT OUTSOURCING ( XXXX  ) Accnt # : XXXX Opened : XX/XX/2022 Balance : {$1900.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

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 2023-11-11
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
I fell into financial hardship after going thru a divorce and was not able to make my payments. I contacted the lender back in XXXX always reapplying for hardship and being granted. XXXX comes and they have intercepted my entire tax refund of close to {$8000.00} maybe more. I contacted the lender immediately asking what happened and why did they intercepted to which I was basically told that they didnt have the lean or garnishment placed so basically they dont know how it happened but didnt give the money back either. So fast forward a few years to XXXX I wanted to advance my degree so I went back to school thru a program that I was told and signed thru the XXXX  XXXX XXXX that as long as I graduated I would not be responsible for any debt. It would all be wiped clean, AS LONG AS I GRADUATED. I graduated with a XXXX gpa. Couple years later I go to buy a vehicle and when they ran my credit I was in default and hadnt made 1 single payment on a program I was told would not cost a XXXX as long as I graduated. I had XXXX pre teens and a XXXX year child I was also working full time kids and we were busy. Little by little the loans got paid down. Couple XXXX dollars or so per loan because after all their are 5 loans. Fast forward to XXXX I had to file for bankruptcy, a XXXX  XXXX. I had still always kept in communication with Naviant doing the yearly paperwork and when bankruptcy happened my attorney took over because they were listed as a creditor. Covid happened and we dont get to go to court until XXXX of XXXX. They removed the balance left owed from my credit report and all was done or so I thought. 6 or so months later I had my credit ran because we were moving and I got denied the house. Naviant had once again somehow took what showed a XXXX balance and added a debt back in to my credit so my credit dropped from almost XXXX to a XXXX. I didnt get the house and had to forfeit the deposit because I couldnt get things cleared up in a timely manner. When I finally was able to rent not buy but rent a house I had by then paid 12 application fees {$50.00} each and was charged 2 deposits plus 1st months rent because of the derogatory marks and low credit score. It didnt matter that I had the bankruptcy paperwork or that I was lied too or I was financially now ruined we had to have a home. My children had to have a home. This is now the end of XXXX and finally they are being held accountable for their actions. They didnt just do this to one family theyve did this to hundreds or thousands. All we wanted was to better ourselves and get a college degree. Shame on you Naviant, Shame on you!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently reviewed my credit report and saw I had late payments reported for XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. This account is for Ally Financial the balance of the account is {$14000.00}. I was out of the country and had someone responsible for payment my auto pay via auto pay.

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 2022-01-08
Company: EQUIFAX, INC.
State: AL
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:
Set an letter and I havent gotten a response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove This in accurate information from my credit report

Company response to consumer: Closed with explanation