BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: ALLY FINANCIAL INC.
State: MI
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 received a copy of my credit report and I am disputing some items that need to be deleted. I have listed the account, the opening date, and the account numbers, when possible, below. The reasons why these items should be deleted are indicated below : Pursuant the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. 
In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation. 


Under the U.S. Code 15 1666b- Grace Periods ( b ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Under U.S. Code 15 1635 b- Return of money or property following rescission ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.

Ally Auto reported to the credit bureaus late/non payment, which is a violation of the U.S. code XXXX 
I, XXXX XXXX did not give my written consent for these accusations to be reported on my consumer report. No consent is identity fraud and its also unauthorized use. Late payments are showing up on the XXXX CREDIT REPORT. Im commanding it to be removed asap. 
Ally Auto applied debt to payment, which is also a violation. Attached to this dispute letter is a copy of the law.

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 2021-12-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In mid XXXX ( exact date unknown ) Citizens Bank notified me that my account was hacked. After hours of talking on the phone, I was informed ALL OF MY INFORMATION WAS BREACHED. Yes, account number, routing, personal information, the whole 9-yards. Nothing was done. Customer service suggested I get a new bank account and apologized for my data being breached. I now receive HUNDREDS of phone calls a day, to the point where I have to block unknown phone numbers. Now, on XX/XX/12 my account has been hacked AGAIN. Yes, I know I needed a new bank account. But I thought I could go more than 2 months without being hacked!!! This bank has NO CYBER SECURITY and does NOTHING ABOUT IT. Something needs to be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XXXX of 2020 I applied for unemployment but time passed and I never got not one letter from them .I thought I was denied so then I got sick with XXXX  19 I went in a coma for awhile and stayed hospitalized for several months during this time someone intercepted my mail got my edd card activated it and took over my account .recently I got a notice from the IRS saying I owe money for funds I received from edd so I was shocked I called edd then was instructed to call bofa so I made a claim for the money they stole from. Me it was well passed {$20000.00} so within two days of my claim I got a denial letter in the mail I faxed them my admittance and discharge papers from my time in the hospital and that didn't help they still denied me the second time XXXX don't have anyone to hear me they don't care that you are struggling or behind on your rent or about to be with no food they don't give you any answers to any questions

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: Experian Information Solutions 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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 applied for a quick silver secured credit card with Capital One. I made XXXX deposits totaling {$1000.00} dollars. My account was opened on XX/XX/2023 and closed on XX/XX/2023. I was initially told it was closed because returned payments on the new account. However, both payments were cleared and verified by my bank. After the verification of payments, I was told it was from XXXX previous accounts. I informed Capital One that those previous accounts were opened fraudulently, and I submitted the appropriate documentation previously. This was verified by the closed accounts department, and I was transferred to a fraud supervisor who told me that it was nothing he could do and it could take XXXX billing cycles to have my deposit returned. I told them this was unacceptable because I never used the account and it was closed at no fault of my own. He responded there was nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have Contacted the the following Companies only to be lied to, they play Hot Potato with the alleged Debt ( XXXX XXXX   services a division of XXXX XXXX, XXXX ( XXXX ), Ocwen Financial Corporation? ( Ocwen Loan Servicing, LLC ) and Now PHH Mortgage services ( hereinafter " PHH MS '' ) They change phone numbers and account numbers even property addresses now as the following Reply in exhibit was supplied by PHH Mortgage to the CFPB .When I contacted the following Number ( XXXX ) XXXX ext XXXX a person claiming to be XXXX XXXX XXXX answered I asked in what country he was in, He said XXXX .Now why is my personal identification, social security, address allowed to leave the United States of America ? I have no business with any Foreign companies so why is my Identity allowed to be Stolen and used in another Country? 
They said I had a Loan with a property address of XXXX XXXX XXXX Unit D, XXXX XXXX, Il XXXX, when I contacted XXXX XXXX XXXX he said he would look into it and submit a complaint so it could be investigated he would get back to me in 10 Days. 
That was over two months ago after repeated calls and messages still No Answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been reaching out to IQ Data since XXXX 2016. The right of subrogation does not exist for volunteers or a stranger to the transaction. 73 AmJur 2nd, Section 90. 

I have requested validation from the company and was supplied with inaccurate and incomplete information. 

They have never been able to furnish an accurate, valid, original copy of the original contract that was signed with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went through a divorce and applied for a mortgage modification, I followed all the rules all the way to the Ombudsman office ... .... 

I will be sending correspondence from the OMBUDSMAN OFFICE stating clearly the name can be removed in order so I alone may sifn the modification Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Spring Oaks Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing SPRING OAKS CAPITAL LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: VYSTAR CREDIT UNION
State: FL
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:
Starting about 5 years ago - vystar continues to charge a nsf fee when a creditor tries to pull a payment that i didnt realize was due & then they double charge & trible charge EVERY time creditor tries to pull. Its XXXX XXXXXXXX. If the funds arent there- it should only be XXXX fee. XXXX XXXX XXXXXXXX just got hit for doing this EXACT same thing.

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 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: LEXISNEXIS
State: TX
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:
lexis nexus has been using my information with out my consent I demand of removal and monetary relief immediately. 

My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-01-14
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account or business and they proceeded to put a collection on my credit report. This company is fraudulant and attempting to collect a debt that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: IL
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 complied with a notarized letter to all three credit bureaus so that can report correctly.. 

What is the 15 USC 1635 right to rescind auto loan?

1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until XXXX  of the third business day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: VA
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:
When I signed up for this line of credit my checking account was linked and payments were made automatically each month. At some the company experienced some technical problems and they could no longer link my checking which I was not made aware of. Once I checked my account I saw a minimum amount due and paid it in the app as a one time payment using the same account they were supposed to have connected. I verified that my bank has not refused any payments by grain. I tried to find a number to contact them but could only try by sending email correspondences and requested they call me. I had no way to re-established auto pay and no one to discuss any credit issues due to there own system failures. I tried for 2 months and I even paid the account in full became they simply can not fix there issues. They reporting my account delinquent In error and I have pleaded with them to make the corrections asap as this is affecting me adversely I have even paid them in full. According the the XXXX  they have a substantial amount of complaints regarding this very issue. I also noticed they deducted an annual fee of XXXX and a payment during the month that they claim they could no longer connect to my checking account which appears to be a glitch in there system. I was not aware that the fee would be deducted from my checking account instead of just charged to the like most fees and did not provide permission for this yet they are reporting my account delinquent when in fact they took out more funds that they were entitled to do so.

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 2023-03-14
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX  reported my account late in XXXX of 2022 but my late payment was waived on XX/XX/XXXX therefore a late credit report shouldnt be on my credit file. Its false and inaccurate and was never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the list of accounts below : Acct Name : XXXX Acct Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I have an Affidavit of notice of right to rescind for an XXXX XXXX XXXX. I have attached the documents and proof of fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: V and H Portfolio
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2021 I mailed a certified dispute letter to VANCE AND HUFFMAN LLC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over 100 complaints with the CFPB. VANCE AND HUFFMAN LLC has failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30
Company: SpeedyCash, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On XXXX XXXX, XXXX, my vehicle was repossessed by XXXX XXXX XXXX Speedy Cash. I was informed that on XX/XX/XXXX that it was sold but I have not received anything from them except when the vehicle was repossessed and on the XX/XX/XXXX when I spoke with someone at their office to find out what the cost would be. The original amount that I borrowed on approximately XX/XX/XXXX was {$170.00} and on approximately XX/XX/XXXX the remaining balance was {$150.00}. On XX/XX/XXXX, the cost was {$310.00} to pay off the debt. I still have n't been contacted by this company about anything, and I have been unable to get the rest of my personal property and tags and registration from them. I was under the impression that according to Georgia law that I should have been notified by certified, return receipt requested that it was too be repossessed and sold. At the time I got the loan, I did n't get a copy of the paperwork. I feel like I have been deceived by their practices.

Company response to consumer: Closed with monetary relief