BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I had an over $ XXXX 11 month XXXX coming up for renewal XXXX XXXX, 2022 with Ally Bank. Ally Bank sent me a letter about that, giving me a phone number where I could give verbal directions on what action i wanted to take. Within grace period, I spoke to XXXX on the phone XXXX XXXX, 2022 at Ally Bank and directed her to NOT let the CD renew. Rather, to put the funds into an Ally Savings account, which she said would earn only .05 % APR " less '' than the CD. I said yes, do that, but under no circumstances did I want CD to renew. She said she understood and I thought the whole matter was concluded. Weeks later I received a letter congratulating me on my renewal of my CD. I called and was not happy. I told them this was an error on their part. I was advised they would pull up the recorded directions and get back with me. I said yes, please do. I was later informed that yes, they did find recording and I did make this direction BUT I had gotten off the phone before everything that needed to be done was done to complete the transaction. I said how would I know that unless someone told me. Why didnt anyone call me back, OR email me, OR write me a letter, or anything. I further told XXXX, the last person I spoke to on XX/XX/2022, that they had all the information and IF certain things needed to be done in a phone call before the directions were followed out, then that should have been spelled out 1 ) in the initial letter telling me to call, 2 ) at the beginning of the phone call where I gave instructions on what I wanted done. I said I am not clairvoyant. How am I supposed to know something the bank needed wasnt obtained unless I am told? No response. I insisted someone higher in management call me. I was promised they would. That never happened. 

The best I could get from them was an offer to close the account, WHEREIN they would charge me an early withdrawal fee. '' That was completely unacceptable. They wanted to charge me for their error! 

This entire thing is preposterous and Ally Bank shouldnt be allowed to conduct business in this fashion! I would highly recommend people take their banking needs elsewhere. To date, I have not heard one word more about this and now I am earning next to no interest on a very large CD I did NOT authorize!

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 2023-07-19
Company: EQUIFAX, INC.
State: CT
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete ASAP.

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 2023-05-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an XXXX XXXX card to finance some furniture for a new house in XXXX of XXXX. On XX/XX/XXXX, I decided to make the monthly payment from a different account than I normally would. Since the bank of the account I was paying from has different routing numbers for different regions, I contacted the bank to get the appropriate routing number as i do not have checks for this account. A few weeks later I received a call from TD Bank ( the owner of the XXXX XXXX credit card ) stating I was late with my payment. In shock, I asked the representative to look into it, knowing I had made the payment. The payment was returned because the routing number turned out to be incorrect based on my region. The representative CONFIRMED that I had attempted the payment and waived the late fee. 

I called TD Bank today because I noticed ANOTHER late fee on my account that posted on last month 's due date, XX/XX/XXXX, for {$40.00}. I called again to question why a late fee was charged ON the actual due date and they informed me that since the payment wasn't posted to the account until XX/XX/XXXX, the late fee was valid and used the fee ( that was not my fault ) that was waived back in XXXX as leverage to tell me the {$40.00} fee for XX/XX/XXXX is valid and since it was less than 12 months ago, they will not be waiving it. I requested to speak to a supervisor in which the response was " Shes not going to be able to do anything either '' but I asked again to please speak to the supervisor. XXXX, the supervisor, came on the line and said that since it was not an error on TD Bank 's part that the fee in XXXX posted and since they do not provide ANY grace period ( something I was not aware of as well ), that the only way I could have the fee waived is by paying the balance in full. ( The balance is XXXX XXXXif I could pay the balance in full, I would not be making payments ). I repeatedly asked to take the XXXX fee waiver into consideration since it was an honest error and not negligence on my part and was told no. I informed the supervisor that I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Merchant Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Re : Acct # XXXX Re : Acct # XXXX To Disputes Department : This letter is in response to your recent claim regarding account # XXXX and # XXXX, which you claim that I owe you {$150.00} on both accounts, in which these are a duplicate. By not replying in a timely manner to my initial letter on XX/XX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX   XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX  XXXX  XXXX Generals Office CC : XXXX   XXXX  XXXX

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: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
TRANSUNION is obligated by the Privacy Act of 1974 to balance the need to maintain my information with my rights to be protected against unwarranted invasions of my privacy. On XX/XX/XXXX TRANSUNION shared my personal information to include my transactions and experiences to XXXX, XXXX, XXXX, and XXXX XXXX, which are a third-party companies. This reporting is in direct violation of 15 USC 1681a ( 2 ) ( 1 ) and the Privacy Act of 1974. TRANSUNION are liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Trustee ) XXXX XXXX XXXX XXXX, XXXX XXXX, South Dakota. In addition to this complaint, I will be filing a form 211 treasury omb form to have my consumer account audited. I am aware that TRANSUNION is securitizing my consumer data, but continues to break the law by sharing my data illegally.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: VA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. Reporting past due amounts on a collection or charge off is a violation and should not be on my credit report. This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted immediately.

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 2023-10-17
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
This company has purchased this debt from XXXX XXXX XXXX which was reported to you and removed. According to 15 USC 1692G It is illegal for a collection agency to buy your debt and come after you. I did not enter into any contract with this company. They have violated my consumer rights by making this purchase. They have obtained personal information from lvnv funding. According to the state that i live in which is Texas the statue of limitations has been far exceeded and no one should be attempting any collection on this account. The date of this letter is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the alleged debt from American Accounts AD ( reported on XX/XX/2022, for {$220.00} ) with XXXX XXXX XXXX as the original creditor. 

According to the Fair Credit Reporting Act ( FCRA ), " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly... the agency shall reinvestigate free of charge and record the current status of the disputed information ... '' ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). I have not received any validation for this debt and request a thorough reinvestigation. 

Furthermore, the Health Insurance Portability and Accountability Act ( HIPAA ) prohibits the disclosure of protected health information without consent ( 45 CFR Parts 160, 162, and 164 ). The reporting of this debt through the original creditor 's name implicitly discloses my health information, which is a violation of my privacy rights.

Pursuant to FCRA ( 15 U.S.C. 1681g ( a ) ( 1 ) ), I demand a complete validation of this debt, including a copy of any document bearing my signature, proving the legitimacy of the debt. If you can not provide this, I insist on the immediate removal of this debt from my credit report. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: WELLS FARGO & COMPANY
State: OR
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:
Due to CPI being added to my account during the length of the loan, my payments were incorrectly labeled as late. This is showing on my credit report and has been a major disruption to gaining credit and loan rates. I have asked that the correct be made on my credit report several times. Since I have been awarded a decent amount of money due to this negligence, I think it would be the right thing to reflect accurate information on my credit reporting. Please update asap. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, 2023 I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C.

1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

This never occurred during or after 30 plus day investigation by debt furnisher. 

Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.

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 2022-04-20
Company: AMERISAVE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I paid Amerisave Mortgage Corporation {$550.00} ( see credit card statement attached ) to lock in a mortgage rate of 3.75 % for 90 days, until XX/XX/2022. I came under contract for a house on XX/XX/2022 but the agreement was mutually canceled on XX/XX/2022 because the appraisal came in significantly under the contract price. Now Amerisave is telling me that my mortgage rate of 3.75 % can not be applied to any other properties, because they had attached the address of the property from the canceled contract to my application, and now the application can only be accepted with that property or canceled. They will not allow the application to be updated with a new address. However, as you can see in the attached signed agreement, the agreement was not made with respect to a specific address. The agreement was made prior to coming under contract with the house now listed on my application. There is no language saying that once an address is attached to my application that the rate lock can only apply to that address nor was that communicated to me verbally. On XX/XX/2022, they quoted me a rate of 5.375 %. We made an offer on a house on XX/XX/XXXX for {$570000.00}, if accepted, this increase in mortgage rate will result in approximately an additional {$150000.00} in payments ( after 20 % down payment ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a XXXX XXXX XXXX  that I has been under a loan with Santander USA since XXXX of XXXX ( 9 years ) with a high interest rate. The vehicle is not in the best condition but it is the only vehicle I own and I am still paying a car payment on this vehicle in XXXX of XXXX. I have a principle balance of {$290.00} but the total amount including fees is reflecting {$690.00}. I have contacted the finance company several times and requested some or all of the fees be waived due to the new modification of the loan from back in XXXX. They are refusing to assist me to allow me to pay off the vehicle and obtain the title to the vehicle. The final call I made was to a supervisor I was transferred to on XXXX XXXX requesting assistance and my request was denied. She gladly provided her name of XXXX and employee ID number XXXX as if my issue will not be resolved. I literally have paid for this vehicle twice and have been financing it for 9 years. I am only asking for the fees to be waived so I can finally own this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Approximately 9 months ago I was added to my significant others checking account, the person assisting asked if I wanted to open a savings account as well, I said yes. 2 weeks before XXXX, after the accounts were all used for 9 months a transaction from navy federal out of my savings account totaling {$500.00} wiped the savings account completely out. After attempting to get answers for 3 days via phone, and in person it was concluded that they didnt know and that it was from a charge off account but it was so long ago they could not obtain information. I initiated a dispute to the bank for the prior account ( the only account I had ever had there prior was a joint account which they were very adamant this account was not ). I disputed ever having my own account in 2013, since I was not authorized to have my own account there with this company considering I was no longer affiliated with the XXXX. The only information provided to me, despite numerous requests to provide proof/documentation that they were authorized to blindly wipe out my account, was that there was a balance of {$650.00} from a charged off/closed account in 2013. ( 10 years ago ) I initiated disputing ever owning my own account, and the knowledge of any of this, as well as inquired as to why Id be allowed to join this bank on a joint account, open a savings account, use the accounts for 9 months, before having my account wiped out without any knowledge, and without being provided proof. When I asked for proof, I was told we sent it to you. I have received nothing thus far from this bank regarding money owed, or proof that I owned a private account. I had to quickly release myself from our joint account so no more money would be taken from us ( as it was made clear an additional {$160.00} would be taken immediately once deposited ) causing turmoil 2 weeks before XXXX and funds that were supposed to be deposited. It caused NUMEROUS overdraft fees resulting in {$250.00} in fees on top of the charges that didnt go through. Financially for us XXXX and the XXXX  were ruined due to this banks inability to be professional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation