BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am having problems rolling out some of my XXXX XXXX fund from Ally Bank to XXXX There have been a lot of issues, some from the receiving XXXX entity but also from Ally that has given a lot of wrong information.

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: Social Finance, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/19 I had several unauthorized transactions to happen on my account. I immediately called sofi and made them aware of what was going on. I was emailed a letter saying that they had begun an investigation and that my account would be credited it 10 days if they hadn't completed the investigation. That was apparently in to me rather that the situation at hand. They went on the next day saying they where. Closing my account dye ro a policy violation. When I ask for explanation np. Was provided. On the XXXX business day I called in and inquired about what was the hold up on my credit and almost instantly they denied my dispute without explanation. I even contacted the merchant where this happened who let me k ow the never contacted him for anything So much for their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From XX/XX/XXXX XX/XX/XXXX, I was granted a forbearance plan as result of Hurricane Irma and have successfully completed a disaster relief loan modification. Just having reviewed the recent loan activity history shows that the previously suspended payments have been applied and loan is now current. However, on XX/XX/XXXX, principal was added back to the loan in the amount of {$1500.00}, and the maturity date was extended by 6 months from XX/XX/XXXX to XX/XX/XXXX. If the forbearance was only for 90 days, then I would only expect the loan to be extended by the same amount of time. 

The purpose of the letter is to obtain written clarification for how the {$1500.00} amount was determined, and full summary of the all amounts to be paid from this loan modification. Based on the updated amortization scheduled, I will end up paying an additional {$7500.00} for that 3 months of forbearance. Despite reaching out numerous times during this process, none of this has ever been satisfactorily explained

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Spring Oaks Capital has been attempting to collect a debt that is not owed. I have never given any authorization and or consent to the alleged amount owed or the reporting of this amount. Furthermore, THIS COMPANY IS NOT AUTHORIZED to conduct business in any state that I, the consumer, has resided, or currently resides. ( XXXX XXXX XXXX XXXX ). I am perplexed on how this company continues to harm my personal credit with derogatory data entries for a debt never owed to them, and a debt that even the original creditor reports as {$0.00}. This has been an ongoing matter and Spring Oaks continues to display its disregard for federal laws placed to protect the consumer as well as the functionality of commerce as a whole. This company has caused great harm and distress and does not even have the lawful authority to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I am reaching out to BMW Financial about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that BMW Financial Services has wrongfully accused me of. According to the XXXX XXXX XXXX a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that for something to be charged off a 1099c form has to be completed if the transaction is over {$600.00}. This means that you are furnishing this as an income, but you have listed this account as a chargeoff instead. I am demanding that you show proof of where you have removed this asset from your book as well as the 1099c proving that this debt has been charged off. It is alarming that even though this account is listed as a chargeoff is also listed as a collection. I'm curious to know if this account is removed from your asset book, how is it reporting still as delinquent? Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 1099c form proving that this debt has been charged off, I am demanding that you update this account to PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Cedars Business Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I would like to report the company : Cedars Business Services. The address one their letters is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca XXXX I was in XXXX, XXXX XX/XX/2019. I rented a car. 
I received a notice 1 year and 4 months later informing me of a traffic violation. This is beyond XXXX XXXX legal time limit for notification which is 360 days of the violation. 
It appears that the company, Cedars Business Services, possible purchased the debt. I'm not sure. 

They insist that I pay XXXX Euros. The original citation is XXXX Euros. 

I have looked up Cedars Business Services at the XXXX XXXX XXXX to discover they are untrustworthy. It is known as a scam. 

Please advise as to next steps. 
If I own the debt, I will of course pay. However, many have paid and regret it as they continue to be harassed and told that they have never paid the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company keeps on adding what I " owe '' to whomever.. The balance that I owe used to be only XXXX $ and somehow it's over XXXX $ - This CAN NOT be legal nor justified

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I recieved defective vouchers from XXXX. I called raise immediately. I filed a dispute with Citi soon thereafter. 

Citi refused to further help me. They denied my claim saying I had not contacted Raise in time and had to resolve the issue with Raise. This is incorrect.

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 2023-11-13
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a dispute and it got kicked back as accurate so On XX/XX/23, i contacted XXXX to get a better understanding of why i have an account in collections. The lady stated she couldnt find any account with the information i gave her and to contact the debt company to get an account number. I spoke with Jefferson capital and she gave me info on how to dispute and that its better to dispute instead of paying it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: UT
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN COLLECTIONS XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$0.00} INQUIRIES : 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 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 explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : XXXX XXXX is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. XXXX XXXX has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. XXXX XXXX NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX  ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

XXXX XXXX AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Made payments to Mr Coopers mortgage They sent money back to bank. They sent me foreclosure start date letter. We can't get a hold of Mr coppers due to Cyber attacks on there website and phone call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: SECURITY FINANCE CORP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was informed by Security Finance I owe {$900.00} for a loan. I found out that this loan was paid at the time of the contract with my XXXX XXXX XXXX XXXX. I process the payment again which is twice the payment by XXXX. I am getting calls about payment repeatedly. This loan is paid in full. account # XXXX. I mailed documents to the Corporate office on XX/XX/2022 with notices of cease and desist, remedy letter, letter to creditor, and conditional acceptance. This loan was paid in full twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : Ally bank is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. Ally bank has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. Ally bank NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX  ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

Ally bank AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The {$2500.00} is a CHARGE-OFF amount from XX/XX/XXXX on a Synchrony Bank credit card for my PayPal Business account. I had this account for 8 years before I was unable to pay and it charged off. I closed my XXXX store and retired in XXXX, XXXX after my husband became XXXX from an accident in XX/XX/XXXX. My only source of income is my XXXX which is {$1100.00} per month. My husband receives approximately $ XXXX  monthly in SSID. We don't have any property ( we rent ), no pension, no 401K, no IRA, no Bonds, no Savings.

Synchrony Bank is harassing me through the Small Claims Court to recover with Collectors an original amount of approximately {$1800.00} which they blew up with fees to {$2500.00}. First I received a Summons to Small Claims Court from XXXXXXXX XXXX XXXX XXXX  in XXXX, XXXX. I was required to pay an Appearance fee of {$210.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed paperwork explaining my Retired Status. I've never heard from them again about appearing in court. Today, XX/XX/XXXX, I received a notification from Synchrony Bank that they've sold this debt to a new collector : XXXX XXXX XXXX. My XXXX and my husband 's XXXX are not legally subject to judgements and Synchrony Bank and the collectors know this, but they are harrassing me to pay anyway. They hope that I don't know my rights and will comply with their illegal demands. THEY MUST BE PUNISHED AND PUBLICALLY SHAMED.

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 2023-04-17
Company: EQUIFAX, INC.
State: CT
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 recently disputed inaccurate, Incomplete and fraudulent accounts/inquiries related to my credit report. 
Accounts are to meet all FCRA standards meaning all information is true, complete and accurate. The bureaus stated these accounts were updated and meet FCRA standards!!! They are not which is a VIOLATION OF MY RIGHTS. 

After receiving updated credit information per FCRA guidelines there are inconsistincies and inaccurate information amongst all three bureaus WHICH ARE A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681 and go against the Fair Credit Reporting Act. 


The Credit bureaus stated Account Name XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the date LAST ACTIVE is inaccurate, and date last PAYMENT is not accurate. This is ground for removal. 


The Credit bureaus stated Account Name XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the HIGH CREDIT & CREDIT LIMIT are inaccurate and inconsistent the DATE LAST ACTIVE is inaccurate, and DATE LAST PAYMENT is not accurate. This is ground for removal. 

The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, number of months/terms is inaccurate the PAYMENT STATUS is inaccurate, and DATE LAST REPORTED is not accurate.DATE LAST ACTIVE is inaccurate also. This is grounds for removal. 


The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate.DATE LAST ACTIVE is inaccurate as well as DATE OF LAST PAYMENT. This is grounds for removal. 


ATTACHED ARE SUPPORTING DOCUMENTS FROM THE BUREAUS WITH THE VIOLATIONS. 
A COPY OF COMPLAINT IS BEING FORWARDED TO THE ATTORNEY GENERAL AS WELL AS THE FEDERAL TRADE COMMISSION. 


They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my balance in full 2 days before it was due on XX/XX/23 the total was approximately XXXX. I paid the entire balance due on the date that I made the payment. After the due date of the Apple credit card I went to check and make sure that the payment cleared to find a balance of XXXX. I spoke to someone on chat at Goldman Sachs and was told that in order to avoid paying interest I have to pay the entire balance 2 months in a row. I then asked if the balance did an arbitrary number that the just make up and if it is not than how can I still have a balance if I paid in full and was told that is policy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Block, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my ( Cash App ) card was fraudulently used in a XXXX XXXX in XXXX, GA. I live in XXXX, SC. I received a series of messages from the app informing me my card was used multiple times in multiple places in XXXX, XXXX After locking my card and contacting the company, all charges except this {$150.00} charge were refunded to my account. I since then have followed all instructions via email, and have called multiple times to resolve the matter. In fact, I called twice today ( XX/XX/XXXX ) and spoke with a representative who hung up on me after I repetitively requested to speak with a manager, she stated verbatim, " I have done all I could for you and I'm not going to discuss this with you further. I'm disconnecting the call now. '' Then hung up. The second time I called a representative XXXX would not connect me to a manager and only offered to once again email an escalation of my transaction. I have waited over 45 days as instructed by Cash App and there has been no investigation. Will someone be so kind as to assist me in reclaiming my stolen funds of {$150.00}. I disputed this via email on the following dates : ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), & ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: BB&T CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a new car in XX/XX/XXXX, BB & T financed it. The first payment was due XX/XX/XXXX when I received my first statement the balance was {$17000.00} I paid {$340.00}. My payments are XXXX for 72 months. Every month I pay more than the amount I owe. I accidentally made a double payment in XXXX. Since then I have made four payments totaling {$1200.00} which by my calculations my balance should be {$16000.00} but instead BB & T has my balance as {$16000.00}. They are charging interest every month and at the rate, they are going the car will not be paid off in 72 months. also, they will receive more than the contract I signed. MY balance is not reflecting my payments. They are not putting the payments towards my balance but instead are distributing them as if I am paying a mortgage instead.

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: Colony Brands, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My complaint is with Seventh Avenue, a Catalog Clothing Store. I ordered 2 items from this catalog. I paid them off in full with Money Orders. I had problems with Seventh Avenue because they tried to act as if they didn't receive the money orders. Once they finally acknowledge my payments. I knew I would never do business with them again. Months down the line I see on my credit report with XXXX a past due charge of {$530.00}. This charge lowered my credit score. 
This came to my attention immediately because I was in the process of cleaning up my credit. No program. Just addressing each charge separately. I disputed this charge with XXXX. I called Seventh Avenue and they sent me this letter to file an Identity theft report. I was living at XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX when the catalog was sent without my request. When the charges appeared on my credit report I was and still am living at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX. I don't know if the tenants who moved in after me on XXXX XXXX used the catalogue or if Seventh Avenue put new charges on that catalog. I know that I did not do it. I filed a police report with the XXXX XXXX. Police Department.

Company response to consumer: Closed with explanation