BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have spoken to a representative XXXX id # : XXXX on XX/XX/20 in regards to my vehicle acct # : XXXX. I have explained to the representative XXXX my acct shows a past due balance of {$440.00} for XX/XX/2020 and next due for XX/XX/2020 of {$440.00}, however I have made both payments on XX/XX/20 and XX/XX/2020 of {$220.00}. Per the representative she was very helpful and understanding. She was able to notify customer service and explain payment for XXXX was made. Per the representative XXXX she did have another representative to submit a request for a payemtn reallocation for the month of XXXX. I was given a case # XXXX for the payment reallocation. I have called several times about this issue and on the online site still shows I owe for XXXX. I have spoken to two supervisors in customer service and was advised they were sending a follow up for this issue. I would like my account to be handled appropriately and to be updated as soon as possible. I don't think that it is fair for a customer, because I am getting late fees and my account is reflecting as 30 days behind.

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 2023-06-16
Company: EQUIFAX, INC.
State: TX
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XXXX XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus has been stringing my along with a loan modification since XX/XX/XXXX. All documents were received and the trial payments were complete. They informed me my Quit Claim Deed was invalid, because my ex-spouse ( who filed bankruptcy ) signature is not on it, but rather his bankruptcy trustee signed the deed on his behalf because he surrendered his rights to the property. The bankruptcy trustee has the authority to act on the ex-spouses behalf. I purchased his shared of the property from his bankruptcy trustee and a new deed with only my name was recorded in the County and at the Bankruptcy court. 7 months later and Seterus has still NOT approved the modification and found every excuse to not move the modification forward .I contacted XXXX ( XXXX ) to assist with an affordable loan modification on XX/XX/XXXX and ALL documents, RMA application, pay stubs, XXXX, hardship Letter, utility bill, HOA statement were all sent in to Seterus, I even signed the third party authorization to allow the rep from XXXX to communicate and negotiate an affordable mortgage for me. I also contacted XXXX to make a complaint against Seterus. XXXX is completing an investigation. I recently received a letter from Seterus stating my escrow account had a surplus and because my account was delinquent, the funds would be held. Seterus had to respond to my complaint w/ XXXX , and now Seterus is stating that I need to pay {$4800.00} for escrow shortage, if I want them to honor the OLD MODIFICATION that was submitted in XX/XX/XXXX. How do I go from having an escrow surplus for nearly {$1800.00} to a {$4800.00} shortage?? XXXX submitted a mod packet on my behalf for an affordable mortgage and affordable payments but Seterus has NOT replied to the XXXX modification package that was sent on XX/XX/XXXX. All supporting documents were submitted and Seterus acknowledged receipt of ALL required documents. Is there a timeline where the mortgage company has to reply to XXXX proposed modification packet? It appears that I have not been able to get any concrete answers or responses and would like help with expediting the XXXX modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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.

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 2023-06-16
Company: EQUIFAX, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: Army and Air Force Exchange Service
State: VA
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:
There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and XXXX XXXX XXXX. 
Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for the Exchange. I refused, I don't own them anything the bill The XXXX XXXX XXXX treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the Army & Air Force Services. 
U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for loan consolidation and selected XXXX XXXX as my loan servicing company. We discussed public service loan forgiveness but was not sure if I qualified because I worked through registry XXXX XXXX XXXXXXXX  and also XXXX and XXXX XXXX XXXX XXXX and I also worked in rural XXXX XXXX XXXX and in rural XXXX in XXXX Most of the time I had not made consistent payments and even when I asked for confirmation from my registry I never received a response. I told the agent at XXXX XXXX that I may not claim past public service because I was not able to go back and trace my prior managers to get them to sign as I do not have the money nor the time to travel and accomplish all of this. I went ahead and filed for loan consolidation with XXXX XXXX. I never received confirmation and when I followed up I was told by XXXX XXXX that they never received my application so I contacted Studentaid.gov and was told that Fedloan was my servicer. I was very distressed to find out that they assumed my loan. I do not want them. I was told that they will cancel my loan but I never written confirmation that they will do that. I resubmitted a paper application and uploaded it to XXXX XXXX for loan consolidation. I want to make sure that Fedloan DOES NOT assume handling of my loan. Fedloan has poor customer service and I do think they are diligent.Each time I call with a problem I stay on hold more than 30 minutes and they never provide written confirmation of anything. I want Fedloan to cancel the loan consolidation so that I can consolidate my loan through XXXX XXXX. I WILL NOT be applying for public service loan consolidation at this time. Therefore, there is no need for Fedloan to service my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # 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

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 2017-04-06
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX XXXX XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called XXXX XXXX XXXX XXXX stipulates that they purchased the debt from XXXX NA at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that XXXX can not collect, they sent the collection to a new collection agency called Stoneleigh Recovery Associates. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX XXXX XXXX XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as XXXX to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX XXXX. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX USAA response of XXXX XXXX and XXXX XXXX XX/XX/XXXX confirms XXXX XXXX {$120.00} IS NOT INCLUDED in the {$470.00} I REPORTED FRAUD XX/XX/XXXX. XX/XX/XXXX USAA Confirms in XXXX XXXX NO XXXX XXXX A RETURNED ITEM IS INCLUDED IN FRAUD I REPORTED XX/XX/XXXX. XX/XX/XXXX XXXX XXXX USAA Confirms XXXX XXXX A RETURNED ITEM {$120.00} IS INCLUDED PART OF BALANCE LEFT AFTER MERCHANT PAID XX/XX/XXXX. XXXX XXXX XXXX XXXX IS INCLUDED AGAIN AS BEING PART FRAUD I REPORTED XX/XX/XXXX?? XX/XX/XXXX XXXX XXXX and XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX RETURNED ITEM IS INCLUDED IN WHAT I REPORTED FRAUD XX/XX/XXXX. I'M CONFUSED?? AND XX/XX/XXXX STATEMENT CONFIRMS NO USAA CREDITS. NO RESOLVE OF FRAUD {$470.00} XX/XX/XXXX DEFAMATION USAA DEFAMED MY NAME REPORTING FASELY CLAIMING I REPORTED A RETURNED ITEM AS FRAUD. LIES LIES LIES AND LIES CREDITS FROM USAA APPLIED. Both responses can not be right. I CLAIM DEFAMATION. STATEMENTS ARE PROOF OF TRUTH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2015-04-06
Company: Rubin & Yates, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This person by the name of Rubin and Yates has contacted me several times on my cell phone and now somehow they got ahold of my place of employment they have also sent me emails with fake drawn up court papers stating that I 'll be taken to court. The number they just called me on at work is at XXXX and when I picked up all he asked was is this XXXX XXXX and then I said my I ask who 's calling and he would n't identify himself and then I disconnected the call. They leave me threatning voicmails stating legal obligation and I 'm being named as a defendant and is going to to have a sheriff dispatched to my home/and or employment and that I have to appear in court. Said me or my attorney needs to call them at this number and that I have been legally warned ... XXXX. They also mask thier phone number by using a local number as well. I usually do n't answer it because I 'm sick and tired of the threatning calls and when you ask these people for documentation they start yelling and screaming at you and then hang up the phone. I believe these people are fraud. I would like this to stop immediately..

Company response to consumer: Untimely response
Consumer complaint received 2023-12-07
Company: Torriere Holdings INC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated messages

Complaint:
Company is repeatedly calling and texting family member and also nonstop calling and messaging myself after XXXX XXXX 7 days a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: BANKERS HEALTHCARE GROUP LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In early 2022, I received mail from BHG promising loans specifically for licensed healthcare professionals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for and quickly received a loan for {$20000.00}. Although the monthly payments of {$430.00} were a struggle to maintain, I made 15 payments for a total of {$6500.00}. Realizing that this loan was a terrible, impulsive mistake on my part, I contacted BHG to inquire about paying the balance in full. I was told that the balance of the loan was {$23000.00}, but that because I was attempting to pay it off early, the payoff amount they offered was {$46000.00}. I told them that this was an obscene amount to expect me to pay on a {$20000.00} loan, and I am currently awaiting another offer. I feel I was targeted by BHG due to my history of using payday loans. I have a mental illness that I am trying to recover from, and I explained this to them, only to be given a bad-faith payoff offer that is well over twice the original value of the loan. In my experience this is a predatory company exploiting vulnerable people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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