BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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:
This is my XXXX letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft, I found that under section 605b ( a ) Experian, XXXX, and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$100.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}.

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 non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am writing to formally dispute an inquiry on my credit report that I do not recognize, as reported by XXXX XXXX. As a responsible consumer, I regularly review my credit reports to ensure their accuracy and to safeguard my financial reputation. Upon reviewing my recent credit report, I discovered an inquiry from XXXX XXXX dated [ Date of Inquiry ] that I have no knowledge of or any association with. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I believe this inquiry has been reported in error and may potentially be the result of identity theft or some other form of mistaken reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-11-07
Company: LCO Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, I was loaned {$420.00} by this company. The money was sent to my XXXX XXXX account via ACH direct deposit. While I knew the interest rate was high, I did not understand that it was 639.17 %. The first payment on the loan was automatically debited from my checking account on XX/XX/18 in the amount of {$210.00}. On XX/XX/18 at XXXX XXXX pacific time, I contacted the lender and requested the loan payoff amount. I was told that the soonest the loan payoff could be processed is XX/XX/18 and that the payoff amount would be more than {$420.00}. I agreed to the payoff amount and have authorized the loan payoff to be debited from bank account electronically. I asked the loan representative to send me a statement that includes the following details : The date of the loan, the amount of the loan, the payment that was made, the total amount of interest and fees I was charged and confirmation that the loan has been paid in full. I was told that the only statement I will receive is an email stating the loan is paid in full. 

This company is funding loans in California that are illegal and in direct violation of California 's predatory lending laws. The company is cloaking itself and its actions by claiming the loan is governed ONLY by the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and no other State or Federal laws are applicable. I do not believe this is the case and would like confirmation that their claims are true. 

I was backed into a corner financially and felt that I had no choice but to accept the funds offered by this lender. They took advantage of my desperation and I have paid dearly for it.

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 2015-12-15
Company: ALLY FINANCIAL INC.
State: SD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had gotten behind on payments my daughter was XXXX injured at XXXX school dance and and requiring XXXX I had to take XXXX with no pay. She eas injued XX/XX/XXXX and her XXXX was XX/XX/XXXX. Ally financial contacted me I spospoke to XXXX at extension XXXX I told when I could pay and said that XX/XX/XXXX was to late since subject to repossession. He asked me how fast does my bank process the check advised next business day after speaking with him I agreed to set up a check on XX/XX/XXXX knowing the bank wo t process till the next Monday due to the holiday. I agreed to bounce a check hoping that it would n't get to my bank again till XX/XX/XXXX. I would not be able to go back to work till XXXX/XXXX/XXXX unless my daughter recovers faster than expected. He advised me to cb @ XX/XX/XXXX to set up the check for XX/XX/XXXX and gave me the direct number for him. Today on XXXX I received a call from ally. She stated my amount and advised that my auto can be repossessed if I do not setup the total amount due today. I advised who I spoke to and when advised I was told to call back on XXXX to set up PMT said that 's not an arrangement. She threatened me with repossession but could not give me the date it would be repossessed. She was rude and threatening. I got scared and hung up the phone. Since my daughter has XXXX and XXXX I actually considered loading this girl in the back seat and moving her to a safe location. She has to have her XXXX removed on XXXX/XXXX/XXXX and ca n't walk to the XXXX. I reconsidered and called back to ally and it was s fight to the finish to get just my account number in which I finally asked for a supervisor in which I was denied by XXXX but she finally have me the account number so I can lodge this complaint. I truly believe that since I have 5 payment left that they want the truck back and would threaten with repossession if you were 16 days late. It 's been a horrific experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-10-26
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
First, this was not just a modification and it had been approved name was changed out of the estate of my deceased daughter. Ocwen put it back into the estate of my deceased daughter. Terms and all conditions are supposed to be provided up front no matter what.

There is a legal requirement to provide ALL terms and conditions up front under RESPA, not a courtesy. The only thing that would void this situation is if I did not perform not make agreed payments.

Ocwen providing documents when and where you want is not my problem, and I intend to not let you make it my problem.

Not three but Five Payments were made before I could get Ocwens attention that a mistake, a servicing error had occurred. Ocwen doesnt get to go back and correct this in Ocwens favor.

There is a trial period but no trial terms. If I start off paying {$300.00} a month I will continue to pay {$300.00} a month and Ocwen does not get to revise terms at a later date to the extent that Ocwen has revised, especially after you deemed me qualified. Ocwen should know better. Ocwen did not provide the information in XX/XX/XXXX as you allege, that is a lie. In fact after the fact Ocwen has gone back tried to clean everything up and tried to sell the loan Five Months later.

You are trying to protect OCWEN, but damaging the homeowner in the process by not following the laws.

If you were Providing a Courtesy it was to Ocwen. I performed Ocwen did not. I did not need your Provided Courtesy, what I need is for you to provide and abide by the law. FHA, HUD, RESPA.

If assisting homeowners is what you do What happened? But that is a lie as well.

I am not opposed to my loan being transferred. I am opposed to Ocwen doing a sloppy and illegal job of following through properly and legally on my loan transaction and contract.

Further, if there was a problem Ocwen had six months previous to the start of payments to make those decisions or changes or not offer a loan contract.

Ocwen cant after the fact scrap the contract after I have performed. If Ocwen were counting on me to not make payments they took a risk/gamble and lost. Ocwen certainly cant think sending my payments back makes OCWEN right.

You requested every document possible and had every opportunity to not make the offer, but once I accept after your careful scrutiny you can not go back and change it after I perform. You certainly cant do it within the constraints of the law.

However you slice it Ocwen has a problem. This needs to be handled by XXXX XXXX because it is now above anyone elses pay grade.

I know the process and the laws behind it. Ocwen will not get away with this.

I know what occurred and your lying is not going to make this go away. Please do what should have been done when I first called it to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation

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 2021-08-24
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The Ally company has been contacting my neighbors about getting in touch with me regarding my vehicle loan. This has been occurring since XX/XX/XXXX even when I have specified and indicated that I will pay even if I am behind 3 payments. I have {$3900.00} outstanding balance, I have paid over 90 % of the loan which is equivalent of {$34000.00}. They have been calling me since I lost my job in XX/XX/XXXX, and I have reported to them that I do not have employment at this moment. I have been paying them with part of my unemployment. They were unreasonable and did not negotiate to withhold payment for a few months until I receive steady payment. There was no negotiation from their part, and they have been calling on average seven times a day. The times are unacceptable times at XXXX XXXX, XXXX aXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and I have been paying {$100.00} to {$300.00} dollars a month. My last payment was on XX/XX/XXXX for {$300.00}. This was all my unemployment money to keep them from repossessing my car.

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 2021-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On XX/XX/2021 I paid off the balance of my Bank of America Visa credit card in the amount of {$10000.00} using their online website. The amount was debited out of my checking account with my approval. HOWEVER... for some reason, Bank of America duplicated the debit from my checking account on XX/XX/2021 again in the amount of {$10000.00} therefore putting me in an extreme financial bind. I am not wealthy! I called Bank of America on XX/XX/2021 and spoke with an agent who advised they would initiate the process for the credit balance of {$10000.00} to be deposited back into my checking account in 3-5 business days. After not receiving the deposit I called Bank of America back on XX/XX/2021 and spoke with a " Manager '' named " XXXX ''. XXXX advised he would be looking into it and would call me back in 45 minutes to an hour. I never received a call back that day, nor the next day. I need my money back, it is over {$10000.00}!!!!!! Who does that?!?!?!?! I'm beyond irate and will more than likely be contacting a lawyer. This is FRAUD and ABUSE.

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 2022-12-06
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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, Bank of America ( my bank ) withdrew {$1000.00} and {$1100.00} putting my account in the negative. I was told it was due to duplicate deposits from two previous paychecks made out to me with my address on them dating XX/XX/XXXX and XX/XX/XXXX. Both checks I had already mobile deposited into my account on XX/XX/XXXX and XX/XX/XXXX. Both checks are from my employer and my employer uses XXXX XXXX XXXX XXXX  and those checks were issued to me. Later I was told that someone had gotten a hold of those physical check and attempted to deposit them. This person was not successful for the first check XX/XX/XXXX {$1000.00} therefore BOA had given me those funds. The second check was successfully deposited to the check thief in the amount of {$1100.00} check date XX/XX/XXXX. This check was deposited by a male. The check I had already mobile deposited therefore it already had my signature on it. This male deposited this check at a BOA with his name, which is not legal since the check had MY name and MY signature on them. BOA is refusing to give me my money. I am the victim of fraud and BOA has not replaced my funds after they accepted my check with my name and signature from a man under his name. I am enduring financial hardship because of this and am close to losing my housing. I am begging for some kind of help. I have already filed a police report and the investigator is on the case and also advised me to report to the FDIC and CFPB. Please help 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