BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: ALLY FINANCIAL INC.
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 status incorrect

Complaint:
I'm absolutely LIVID!!!!!! I have contacted ALLY several times in regards to this situation where they're reporting a prepaid lease that closed in 2015 as delinquent and open. I have spent literally hours on the phone to rectify situation. ALLY needs to be held accountable for this duress placed on my family. The prepaid lease was paid in full and turned in and enclosed is letter from ALLY releasing me from all obligations. What they're doing is willful and reckless. I have consulted an attorney about litigation. Enclosed is snapshot of libelous information and letter received from ALLY indicating released from all obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Had our vehicle repossessed and in order for us to get it back Credit acceptance said all we have to pay for late payments and repo fees was {$650.00}. So we did on XX/XX/2023 and picked up the vehicle on XX/XX/2023. Now they are saying we owe all these of around {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Accelerated Portfolio, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " XXXX and XXXX '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In mid-XXXX  I received a " Mortgage Guaranty Insurance Pricing Notice '' with concerning information ( the notice cited 'key factors adversely affecting my credit score ' as " level of delinquency on accounts '', " too many inquiries last 12 months '', " time since delinquency is too recent or unknown ''. ) This was concerning to me as the only major purchase I have made in at least the past 2 1/2 years has been the purchase of my house- and I am not aware of delinquencies on any of my accounts. I am concerned that the information being reported may be the result of identity theft, or errors on behalf of the reporting agency. 
The noticed states " You have a right under this Act ( Fair Credit Reporting ) to obtain a free copy of your credit report by requesting it from the consumer reporting agency identified below within 60 days after receipt of this notice. You also have the right to dispute the accuracy or completeness of any information in that credit report by contacting the consumer reporting agency. '' The consumer reporting agency was identified as Equifax Mortgage Solutions. I have contacted this agency twice. Representatives first refused to provide the report, and then attempted to force me to pay for it. The report is guaranteed to be free by the Fair Credit Reporting Act. After an excessive amount of time and debate, a representative stated that a copy of the report would be sent out without charge- to an old apartment ( this conversation occurred XX/XX/2021 at XXXX ). I agreed that the report could be sent to my old apartment as my lease for the property was still active. However, I never received the report that was supposed to be sent to that address : I have not been able to obtain any reports. My request is simple : to obtain a free copy of my credit report as promised in the Fair Credit Reporting Act. 
Attempting to resolve this issue with Equifax Mortgage Solutions has been exasperating : throughout the process their representatives have been unhelpful, argumentative, and unpleasant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Parnell & Parnell, PA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing a complaint against Parnell & Parnell, P.A. for a debt that they are alleging is mine. I have no knowledge of this debt and requesting the following information from Parnell & Parnell, P.A.. As a third-party debt collection agency, you are required by law to send me the original contract agreement proving that this debt is in fact mine. I am also requesting that you send your chain of title and errors and omissions policy number proving that this debt is mine. As a consumer, I know my rights and that it is against the FDCPA to collect on a debt that you can not prove. Because of this, Parnell & Parnell P.A. has willfully and negligently used my non-public personal information without my consent and is therefore deemed as fraud. I am demanding that you prove the documents that have been requested or delete and dispute the following debt. I am giving you 30 days to do this per the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney.SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had hired XXXX 's to redeck and bulid a deck on my home. This was in XX/XX/2022. Now it is XX/XX/2022 I have been paying on this XXXX and have almost {$9000.00} invested. XXXX 's set XXXX people over last week and damaged my home. I have requested my money back from Synchrony Bank the place I have been making payments to since XXXX. XXXX 's sent damaged material to be used with this job and has refused to refund my money and pick up damaged material they sent to use on this job. I have nothing to show except old deck removed and my home being damaged I requested repair of my home and money refunded and damaged material to be returned to the store. XXXX 's has refused to repair damages to my home, refused to return damaged material they sent and refused to refund my money.

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 2018-05-04
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Discover Credit card does not want to hear and consider that facts that I am showing about the fraud on my credit card.

As I explained to the representatives at the Discover that i was away for work my card was charged at several locations in a different state. There was also a charge from XXXX   store and i was told by Discover that it delivered to my address.

1. I did not make the purchase/order from XXXX, which from what i was told was for 10 XXXX or so.

2. I did not give Discover permission to charge the card ( i was told by Discover that someone allowed the purchase to go through. ) 3. Discover card does not want to acknowledge the fact that i was away from New York in XXXX   when the orders and the charges were made. I am sure it is possible to track where the order was made and how and by who.

4. THE MOST IMPORTANT. The only fact that the Discover Credit card relies on and does not want to hear me, is that the delivery was made to my address and it was signed for it with my first name.

I however several times tried to prove that i did not receive the delivery and i did not sign for it. The fact that the investigators, discover card and XXXX XXXX. can not find the suspect does not make me responsible for the charges.

I am sending proof of three official government issued Identification cards and each of them has my signature on them that do not match the signature that was signed for the delivery.

If discover claims that it was delivered to my address and signed, it could have been received by anyone, outside, in the lobby ( because i live in an apartment building ) in the hallway.

So it is up to investigators and Discover to find who made the purchase and who received it. Also for the XXXX company who delivered the package. If the package was for an amount over 10000 dollars they of XXXX products they should have checked who they were delivering the package to, by at least checking the ID.

Once again please hear and read my information and do not only rely of things that favor you Discover Card and make conclusion without ALL the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I scheduled a payment to be made on XX/XX/2022. But it was credited only today even though the status is shown as processed on their website BANK OF AMERICA - PERSONAL CARD BankAmericard Power Rewards Vi XXXX {$300.00} XXXX XXXX XXXX XXXX Processed XXXX # XXXX ========================== Collapse transaction for Transaction date : XX/XX/2022 BA ELECTRONIC PAYMENT XX/XX/2022 Collapse transaction for Transaction date : XX/XX/2022 BA ELECTRONIC PAYMENT Transaction date : XX/XX/2022 Card type : XXXX Transaction type : Payments Reference number : XXXX Merchant Name : get more information about merchant name change BA ELECTRONIC PAYMENT Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Purchase : N Type Payment - {$300.00} {$8500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello This is a complain against LoanCare / ( XXXX ) XXXX / XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 

Before I explain, please look at their XXXX review : https : XXXXXXXX XXXX I have had several issues with this company. But this complaint is about me trying to get my pay off amount. I called, emailed, and used their website to get a pay off amount in the last 3 months. This company is purposely ignoring my request so I am forced to pay more interest. 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 explanation
Consumer complaint received 2018-05-04
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from this company and asked for a detailed billing statement a statement as I dispute the debt owed. This was for a auto insurance policy that was prepaid so any payments were for the month ahead in advance. The policy was cancelled by me as I switched policies and the insurance company attempted to collect for the month I had switched to a new company already. The last month was prepaid in advance of switching. 
I wrote his collection company disputing the debt and asking for validation and proof of detailed billing and all payments They just sent the final bill from XXXX not proving I owed the bill or that it was a valid debts and while I was in dispute billing resolution with XXXX. The collection agency threatened to put it on my credit and did. 

Until I get validation I want this removed from my credit. I have proof I do not owe this to XXXX   and have sent them proof. Any dither collection activity should cease and disist as well as any attempts to call me or contact me unless it's to send the proof I asked for. If the debt is not removed from my creditors until it can be proven to be valid I will follow penalties pursuant to the fair debt collection violations. The company has not sent any validation as requested andt the debt in question is disputed and not owed. If XXXX comes back and can prove I owethis amount I will pay them the amount. I do not do business with collection agencies that do not follow fair debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM NEVER LATE ON THIS ACCOUNT!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
All i want is my account to be updated on the payments and verify my employer which i have submitted to them many of times. Just submitted one in XXXX. 

There is the new thing to come out which your payments do not have to qualify for the income driven payment. to qualify for the loan forgivness program now. 

I have also submitted to them proof i work for a state run medical hospital for 10 years. So that should have a great impact on my loan to be dismissed or not many payments left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2022-12-06
Company: JFQ Lending, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have started to work on my Home equity loan with JFQ lending on XX/XX/22. We locked the rates at XXXX XXXX adjustable Home equity loan. I have submitted all required documents within few day and was assured by my loan officer XXXX XXXX that everything is fine and loan will be closed. My middle credit score XXXX was used for application process. I have some balance on my credit cards that I was able to pay once we started the process and I have sent all proof documentation to my loan officer. I have signed loan disclosure online. Disclosure was removed later from my online cabinet by JFQ lending but I have emails where my loan officer requesting me to sign a disclosure. 
Few days after signing in disclosure I have received another email that stated that we are under final underwriting. How ever JFQ lending had disappeared from that point. I try to reach then through phone or email. In a few weeks I got a phone call from XXXX XXXX where he told me that process is taking time but everything is fine. Then JFQ lending disappeared again. After some times I received a call from another person JFQ lending who stated that he is XXXX XXXX supervisor. He said that rates unfortunately went up and offer me to close at XXXX XXXX on the smaller amount of money. I responded that its they responsibility to provide me a loan at the rates that we locked but didn't get any sense from that conversation. 
XX/XX/22 I received an email from JFQ where they state that they still work on my loan and assigned me a new loan officer XXXX. After conversation with XXXX I was told that JFQ lending still working on my loan and my loan should get closed within XXXX weeks. 
How ever a few weeks later I received a call from XXXX. He told me again that rates went up and offer me XXXX XXXX to close. I was told otherwise my loan will get denied and rates already expired. I refused to go with higher rates and ask for denial letter with a reason for denial. Denial letter stated that I have an insufficient income even though the amount of loan was based on my income.

Company response to consumer: Closed with explanation