BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked Ally Auto Financing back in XXXX then again in XXXX, XXXX and XXXX not to call my cell phone during the hours of XXXX to XXXX XXXX that it is an inconvenient time frame due to my cell phone is used for work purposes. They continually call during those hours and when I send it to voice mail they will call back approx. 6 to 10 minutes later. I do not dispute that I am behind on my loan, due to divorce and health issues along with the car being broken down and in the shop for about 2 months along with paying out for rental cars, but they have now gotten me in trouble at work I have had 2 verbal warnings and I can ' afford to loose my job. They will call me week day during the time frames that I asked them not to call and will call 2-3 times a day. the calls are coming from the West coast and I am on the East Coast. so far this month they have called me on XX/XX/18 at XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX and today XX/XX/2018 at XXXX and then again at XXXX XXXX. it was like this the whole month of XXXX, XXXX and XXXX. This is getting to the point where I'm getting ready to get terminated from my place of employment. I have finally had enough and want them to come get the vehicle so they will no longer harass 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
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
good morning! How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2019-04-01
Company: Experian Information Solutions Inc.
State: LA
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:
There are many mistakes appear in my report without my understanding.

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 2019-08-27
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up for our conversation XX/XX/2019 It is my understanding that XXXX XXXX XXXX, incorrectly billed XXXX for my services. Instead of billing the XXXX   account the Commercial was billed. Once it was rejected the claim was sent Credit Collection Services to collect the debt. 
I contacted my insurance after receiving a phone all earlier this month from Credit Collection Services attempting to collect the debt on behalf of XXXX XXXX. I revoked the right to call and requested all correspondence be sent by mail. After explaining to XXXX XXXX XXXX and XXXX XXXX that I was contacted by Credit Collection Services they began to investigate. It was discovered that XXXX XXXX hadnt billed them for them for the service at all. She also stated that this service was covered and is included in my insurance policy. She stated they must have billed the wrong account. Together we called Collection Credit Services. We tried to explain the errors, but the agent XXXX XXXX wasnt of very much help. She tried to collect the debt several times and offered payment with reimbursement if errors were found as a remedy. During this phone call I also revoked their right to call me on my personal cell ( again ) and request any correspondence be done by mail. She attempted to confirm a phone number for contact but provided the wrong number. I informed her that the number on file was wrong and provided the correct number. I requested a manager to aid the situation. After speaking to the manager and the errors we acknowledged she apologize and stated that I didnt have to worry about the debt. My insurance then proceeded to call XXXX XXXX had them bill the correct account. I have yet to receive this acknowledgment of errors in writing confirming that my account has been taken out of collections. 
As a result, the actions of Credit Collection Services display willful noncompliance and several FCRA and FDCPA violations. The agent attempted to collect an unvalidated debt while my insurance company and I were trying to confirm and remedy a billing error. If I had attempted to pay the debt or made a promise to pay, I would have forfeited my right to later sue for the debt. Not once was I notified of my rights. CCS also failed to validate the debt. If CCS had current ownership or were hired to collect the debt the liability falls on CCS.

I lawfully seek actual damages, statutory damages and damages under Indiana Fair debt collection, FCRA and FDCPA laws.

I also have formally filed a grievance with my insurance company, a complaint to the CFPB and Indian States Attorney Office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have been in constant contact with Transunion to address this problem and they are not cooperating. I have 19 hard inquiries on my account and they do not belong to me. 

I have THREE on my XXXX report, so how can that even be right? I have told them numerous times they do not belong to me, and that I've put a fraud alert on my account and they still refuse to delete them, at this point I feel as if they are allowing fraud to take place on account, and are not concerned about it, which is now affecting my credit.

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 2018-04-10
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX DBA Genesis Credit sent us a letter on XX/XX/XXXX, which we received on XX/XX/XXXX, stating they are collecting on behalf of a landlord {$240.00}. They attached a move out inspection report that was falsely altered after we signed it. We replied by certified mail on XX/XX/XXXX informing Genesis Credit that we dispute this alleged debt, that we demand verification of these charges within 30 days of receipt of this dispute letter, or else, provide written clearance of this debt. We attached copies of our original signed move-out inspection reports that show no damages to the unit. Where in fact the landlord owe us the damage deposit minus utilities.

Genesis Credit did not respond with written clearance of debt. Nor did they provide verification of the alleged debt. Genesis Credit proceeded to contact us by phone and email, harassing and threatening us verbally. On XX/XX/XXXX, Genesis Credit emailed us requesting payment, did not provide verification, and then on the phone threatened to harm our credit rating if we did not pay by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: CITIBANK, N.A.
State: IA
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:
Citigroup and XXXX XXXX XXXX have made changes to their policies and are violating the law. They are using their power to restrict the Constitutional right to purchase firearms and firearm related supplies. This is in violation of 15 USC 1691a, They are not allowed to discriminate against my lawful right to purchase something just so they can appease a political viewpoint. This is could also be a civil rights violation as my actions are protected by the Constitution. If not corrected they could eventually be passing judgement on all of my transactions that might be considered politically incorrect. Please enforce 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 2018-04-10
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm writing about my account with XXXX XXXX XXXX XXXX. Last year, XX/XX/2017, I fell off the back of a tractor trailer and XXXX my XXXX in XXXX, XXXX my XXXX, my XXXX XXXX ( in 2 places, and my XXXX ( in 2 places ). 

I struggled to keep up with my bills as I rehabed. XXXX did not offer any accident insurance but never reported me late in payments.

I have been blessed to have returned to work in just 12 months and attempted to refinance out of this high interest loan. For the first time XXXX started reporting late payments after I requested a payoff effectively locking me into the loan.

I have made 2 payments last month and the company is still reporting that I am not making payments.

I requested a correction from all 3 credit bureaus and XXXX reported the payment history even worse.

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My credit report shows inaccurate information. An account on my credit report has been re-aged XXXX XXXX XXXX XXXX  XXXX which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than XXXX XXXX XXXX XXXX days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to me. In addition of being re-aged the XXXX XXXX XXXX  account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit

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 2018-07-02
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase credit cards. I had 2 credit cards with Chase. I went online to Chase 's website on XX/XX/XXXX, and paid off the entire balance on both. My balance showed XXXX. One of them was almost {$2000.00} and the other card was approximately {$2300.00}. Whatever the balance on both of them was, I paid them both off in full. A while later on my Chase freedom card, I have a late fee of {$30.00} approximately. I found this out on XXXX XXXX. I called them up, and told them about this issue and that I had paid off in full the balance on XX/XX/XXXX. They said it was interest fees. I did not agree, but paid it, because I do not want my credit score hurt. Them reporting this " late '' fee with was not even supposedly due yet to the credit reporting bureau cost me 23 points. Now today I noticed on XXXX XXXX, they said I owed the {$12.00} and my score dropped 55 points. I do not understand how I paid them on their website online the entire balance off on both cards, and them saying I owe them interest fees that are late when the day I paid them off, it said I was paying off the entire balance. A few days prior to me paying them off I made {$150.00} payments to both credit cards, which was more then the minimum balance. I called and tried to figure it out, and they keep calling the {$12.00} and {$30.00} interest fees even after the balance was paid off in full. Their dishonesty, and lack of help cost me almost 100 points on my credit score. ( These credit cards are in myaiden name XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02
Company: PNB INTERNATIONAL INVESTMENTS CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is the 4th time that they are having my remittances to the XXXX delayed. I am not sure why they say that they are waiting for an approval while we pay cash for the transaction. The amount is just small but the funds are for emergency allowance so they should keep the promise of having the remittance credited to the receiver 's account. It is now taking days while the promise is within the day. This is a big inconvenience.

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 2021-04-02
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I was preapproved for a mortgage loan with Navy Federal Credit Union. I was told all my documents were good they didnt see any issues. On XX/XX/XXXX I was conditionally approved. The house was inspected and appraised. I was just waiting for the title to come back. XXXX XXXX XXXX was my mortgage processor. I reached out to her multiple times to confirm all the documents submitted were good. She confirmed I didnt need any additional information. I was given a closing date of XX/XX/XXXX. That day came we still had no title. XXXX then stated she didnt realize that I was a XXXX and I was self employed. From the beginning I made them aware that Im a XXXX XXXX and I get XXXX. I have weekly paystubs but my income is not taxed. On XX/XX/XXXX, XXXX ask me to submit updated paystubs, profit and loss sheet and show proof of 6 months payment reserved. All my documentation was complete and sent in. She stated everything looked good and I should be closing Thursday XXXX no later than Friday XXXX. I called XX/XX/XXXX to follow up on the process and XXXX stated that I was denied and she couldnt give me details I would hear something in the mail within 10 day. The process is over. I need to reapply with a co-signer. How did I get this far with all the same documentation to be denied. Where was the ball dropped. How did they not realize I was self employed. I reached out to her supervisor XXXX XXXX who stated that processors arent trained to give explanations and that my loan was denied because my self employed income was not enough. They couldnt factor in my income from my w2 because I no longer worked that job I was solely self employed. I dont understand how I got this far without anyone realizing I was solely self employed. I reiterated it multiple times and everything I stated was disregarded. Im packed up. I opted out of my lease because I had a closing date and I kept being told all my documentation was fine. I just want answers. Someone needs to be held accountable. No one provided any empathy it was more or less oh well you were denied. How is it that i can pay {$1300.00} in rent without one late payment for 2 years but I cant get a mortgage approval. My credit has increased. I paid off more debt and even one of my car loans just to guarantee approval to still be denied the week I was suppose to close. This is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
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: Investigation took more than 30 days

Complaint:
Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved

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 2018-10-09
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To date Navient states I'm responsible for a balance of {$900.00} plus but I'm still enrolled in school and the company states my school is not eligible for the " In School Deferment '' when I've been a student at the school since XX/XX/2014. I'm receiving harassing phone calls and emails, missed payments on my credit report when I haven't even graduated nor stopped going to school. I believe they are trying to scam me into paying something I am not yet required to pay since I'm still enrolled in school as my educational institution has reported my enrollment status to the clearinghouse. Navient is scamming people out of money and reporting bad information on credit reports for their own personal gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, I hope all is well. You previously helped my husband, XXXX XXXX, with his new TD credit card. Specifically, he was unable to see his credit card on the tdcardservices website. His old card was displaying instead of his new card. The same issue is now happening to me. My old closed card ending in XXXX is displaying, instead of my new card ending in XXXX. See the attached screenshot. 

Also, if not done so already, please update my name in your systems from XXXX XXXX to XXXX XXXX XXXX. Marriage certificate and drivers license are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.

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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, 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 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was dismissed in my bankruptcy with the last activity ofXX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in 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