BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited via certified mail, four money orders of {$500.00} each. As ordered that I do so as the only way to deposit money orders in Ally Bank by a message from the bank. Total {$2000.00}. They were marked as deposited on XX/XX/XXXX  at XXXX. Then they were marked as " check paid '' at XXXX. In other words they were taken out of my account against my will. 

I have called four times to XXXX. On XX/XX/XXXX and XXXX. Spoke to XXXX after he put me on hold for 42 minutes to " check '' with someone. He told me the funds would be returned to my account on that day. They were not. 

Then I spoke to XXXX on XX/XX/XXXX at XXXX ( was put on hold while she " checked '' and subsequently disconnected after 30 minutes ) and then with XXXX XXXX XXXX on that same day. XXXX told me that they were " checking on it '' " they '' would get back to me. I called again on XX/XX/XXXX and spoke with XXXX at XXXX. He again " checked '' and told me someone would contact me. I have heard nothing since and am very distressed to know what happened to my {$2000.00}. Nobody at this bank can tell me. There is no " supervisor '' to talk with to help get this resolved. I am an infirm XXXX  citizen and this is making me lose sleep from the stress. I dont see any alternative but to try to lodge a complaint to get my money.` Please help me. I have to pay my bills with this 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 monetary relief
Consumer complaint received 2023-06-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made a previous complaint about another matter with the CFPB in regards to a payment issue with this same account. This complaint provides additional evidence that the company did not take the action they told the CFPB they would take and instead closed my account with a negative remark impacting my credit and potential borrowing power in the future. This puts in risk my ability to obtain a mortgage in the future. 
I have attached a letter for the credit company stating they closed my account due to dishonored payments ( it was XXXX that was the subject of my previous complaint ) this letter is dated the XXXX. 
The company responded to XXXX on the XXXX with the full knowledge that they would close my account and report a negative closure but excluded that from the response letter they submitted to the CFPB. I have attached both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03
Company: BARCLAYS BANK DELAWARE
State: FL
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:
In XXXX of XXXX, Barclays gave me a late payment from a payment for a couple XXXX bucks that I was trying to pay on their app. Their app was malfunctioning by not letting me login then showing errors when I went to make the payment. I reached out to them via phone and they said it would be fixed. I then got a late payment when the payment was not even 30 days late at that point. They also did not notify me that the payment was going to be late. I then called on XX/XX/2022 and they raised my limit back up but did not help me get this late payment off of 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 explanation
Consumer complaint received 2024-01-02
Company: ALLY FINANCIAL INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am receiving numerous amounts of credit reports on my account that I do not authorize, they're from loan companies and they're pulling and affecting my score

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 2019-06-18
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. XXXX XXXX ( the former servicer ) placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end since I had a fannie mae loan. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are US XXXX veterans who both served in war in XXXX. We were never late on our mortgage payments and were current for years and was current at the time of the disaster in XXXX. 
At the end of the 6 months XXXX extended the forbearance for an additional 6 months for a total of 12 months per XXXX  XXXX  my current investor at the time. ( I am including the FEMA declarations and the FEMA disaster forbearances XXXX  placed me on. ) The second FEMA disaster forbearance ended on XX/XX/XXXX. We were hit by Hurricane Michael declared by FEMA on XX/XX/XXXX. XXXX was in process of trying to find out if I should be placed on another disaster forbearance or should they proceed with the disaster modification. 
I spoke to them on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX, XX/XX/XXXX ( Mrs XXXX ) who confirmed my file was submitted to XXXX XXXX on XX/XX/XXXX and they were still waiting on a response. Then on XX/XX/XXXX ( XXXX XXXX ) he said it was still in review. On XX/XX/XXXX ( XXXX XXXX ) she said it was still in review and I need to wait. They all said this was a special situation since we were hit by back to back hurricanes and they were trying to decide how to handle it. On XX/XX/XXXX ( XXXX XXXX and supervisor XXXX XXXX ) both said it was still in review and to wait. 
Well I received a Notice of Servicing transfer dated XX/XX/XXXX and from that point they said I need to speak to the new servicer. No one from XXXX told me they were going out of business or that my loan was being sold and not just service transferred. I received a notice stating my loan was being sold on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EdFinancial Services
State: GA
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:
I have a loan repayment benefit through my job, where my job sends XXXX $ monthly to my loan servicer for payment towards my student loans. XXXX XXXX sent a payment of XXXX $ to Ed financial services in XXXX, XXXX, and XXXX. In XXXX I reviewed the account and noticed none of the payments have posted to the account. I spoke to XXXX XXXX and they provided me with copies of the checks showing that they have sent they payments to the account and the checks had been cashed. I contacted ED financial third week of XXXX and they responded that since my account was transferred to another servicer on XX/XX/21 it will take them 60-90 business days after the transfer to reflect in the balance. It has been another month and I still do not see the payments reflected in the account, so I contacted Ed Financial again and they responded that it hasn't been 90 days yet and offered no further solutions or status of the account. I made a personal payment to the account in XXXX that posted in about 2 days, so it very concerning to see such a delay when the checks have been cashed by the company months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
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. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report as soon as possible. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collections Practices Act Law 111-203, title X,124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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 2023-01-30
Company: EQUIFAX, INC.
State: NV
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: American Recovery Service Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX To : American Recovery Service Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : This account is under the XXXX XXXX XXXX XXXX This is to notify you that this account is being processed by the XXXX XXXX XXXX XXXX and Ive been instructed to NOT make further monthly payments so that it can be negotiated and processed under the XXXX XXXX XXXX XXXX. This is my formal notice that this account # XXXX for {$1500.00} will be handled by XXXX Representatives. 

Thank you, 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 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX and Transunion is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.

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 2023-03-27
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:
The payment history on my credit file reported by US Department OF EDXXXX is unlawful I was not required to make any payments on my XXXXXXXX loans during the pandemic. The months that is reported negative was during the pandemic and I was not required to make any payments according to covid 19 guidelines therefore the payment history is inaccurate. Secondly The inquiries on my credit file need to be investigated and I request the written permission that allegedly was given by me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have not given these companies permissible purpose to view my credit file. XXXX XXXX XXXX XXXX is reporting fraudulent information on my credit file I have no binding contract with them therefore I have no obligation to pay them also reporting the fraudulent account with extortionate intent is unlawful.

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 2022-12-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Velocity Portfolio Group
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed I had a collection with CKS Prime back in XX/XX/XXXX. I did not ask to settle I paid in full the amount due which was {$640.00} on XX/XX/XXXX. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. It has caused financial hardship since we are purchasing a house. I have emailed, called, and sent a certified letter. My response was I should contact another company because they bought it. I paid CKS Prime and they are the ones reporting this to my credit reports ( XXXX, XXXX, and XXXX ). Please have this company remove this inaccurate information immediately. I will attach proof of where it was paid and even a receipt emailed to me from CKS showing the balance due is 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion, XXXX, and XXXX continue to report inaccurate information. The account listed XXXX Account # : XXXX has several inaccuracies which means this account has not been properly validated and verification can not be provided. This is a violation of my consumer protection rights under FCRA. 


Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-03-27
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:
I completed a identity theft report with the FTC and XXXX, XXXX, and Transunion are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation.

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

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 2023-10-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND 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 XXXXXXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX Loan Servicing and its companies- Loancare have been hacked. They have taken the entire website down, closed the call center, and have effectively went dark by not providing any information to its customers who they provide mortgage services too. To my knowledge the website and ability to access my loan has been approximately XXXXweeks ( XXXX to XXXX ). I am unable to schedule a XXXX payment or review any information about my loan. They have not made any effort to contact their clients.

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 2023-10-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My name is XXXX XXXX I have an account with Citi bank and my account was compromised through fraudulent activities, through XXXX. A total of {$38000.00} was taken from my account XXXX XXXX dating back from XXXX to XXXX. This was brought to the banks attention they denied compensation.I then requested them to reopen the case and I sent multiple supporting documents. They had started giving back partial credit which amounted to around {$6000.00} this was later taken back from my account stating there wasnt enough evidence to support the investigation. I really need some help in getting my money back from Citi Bank. Please if theres any other resources I could use or get please contact me 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 monetary relief
Consumer complaint received 2023-03-27
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:
I wrote Transunion on XX/XX/2022 via U.S.P.S certified mail and they failed to address the issues addressed in the letter. I have attached the letter to this complaint along with my ID verification to prove my Identity. Please investigate to hold Transunion accountable for their reporting negliance.

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