BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
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 closed out my XXXX after stopping work with a home improvement retailer. On Monday XX/XX/21 the company sent the money via EFT to my bank. As of this morning, XX/XX/21, it has still not been posted to my account. This is causing me untold problems. My landlord wants the rent, the electric bill is overdue, my home internet has been shut off, my car insurance has been cancelled, etc...

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 2021-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 dats 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 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 may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Santander repossessed a car I purchased. The said amount of {$9100.00} is on my credit report. However, after the car was repossessed I was never given the opportunity to redeem the car. According to Georgia Code Section 10-2-36 which outlines that I had options following the repossession. The lender should have notified me of my right to " redeem '' the car within 10 days of repossession. I was not given the option to demand the lender to sell the car via public auction. I was not notified of the date and time of the sale. Since I was NOT given this information I should not be responsible for any deficiency amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Santander Consumer USA 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 have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully Defamation my Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, also Fair Credit Reporting Act 15 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 168in ]. The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ******

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Circle Internet Financial
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had money in XXXX XXXX, to buy and trade cryptocurrency. At least a year ago, automatic deposits stopped all of a sudden and my account showed that I had a balance of - {$20.00}. I was unable to deposit further funds or buy or sell any assets and my bank account suddenly wasn't accepted by them. 

I sent emails XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( I think there's more ). They said my bank is not supported ( XXXX XXXX XXXX ) and only a few banks are compatible now. They kept. reminding me of this weird negative XXXX balance, but I couldn't pay that because my bank was no longer able to be linked. No help there after repeated attempts to contact support. 

Now the app is " sunsetting '', they are going out of business, I do not wish to continue with the new company ( XXXX? ) that they moved the accounts to, and the best suggestion they gave me was to wait until my funds have become " unclaimed property '' with the state. As of right now, my account is worth {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, On XX/XX/2021, I deposited {$1100.00} to my bank of America bank account. The machine stopped working during depositing money and the message appeared. It said there was an issue and {$300.00} was deposited to my account. Therefore my {$880.00} dollar was missing. Then I called the bank immediately. They made a claim. But the bank decided there was no problem with my transaction and refused to pay {$880.00} on XX/XX/2021.

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 2020-12-19
Company: Rocket Mortgage, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
if you want to work with a shady mortgage broker, quicken loans/rocket mortgage is your one stop shop. I applied for a refinance on my house. The initial quote looked acceptable and pretty standard. The trouble starts when they needed the details. They couldn't figure out how to start a new insurance policy on the house at closing, i supplied every document they requested and they still never figured it out. The appraisal was peculiar too, the lender repeatedly on the phone stated the value of the house to be XXXX before ever seeing the house. The appraiser after coming out to the house ( great location and lot ) and seeing it in person, stated the value was exactly XXXX, the comparisons were rather old and the leveling of the values was confusing, not sure it was an accurate appraisal. After the appraisal the quicken loans adjusted the contract, they lowered the financed amount by XXXX and then raised the origination fees by XXXX. The appraisal fee went up {$800.00} after the appraisal. 
I called in and asked to speak to someone in charge and all the quicken reps said there is no one in charge. I could speak to all of these different department people. But I had no idea if they were in on the scam or not. Someone named XXXX called me back and said the loan had been changed from a primary residence loan to an income property loan, which was the first time i heard they had changed the product I had applied for. I had enough of their lies and misinformation. I asked XXXX what i had to do to stop wasting anymore of my time with their unprofessional company. He said i didnt need to do anything to stop the process. I have stopped working with the devious misleading company as of XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Convergent Resources, 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 debt. 
I'm requesting for a debt validation of this debt or delete the negative report off 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 2020-12-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
27 checks returned when my account was closed and another open for a transfer to XXXX  I did not authorize then my credit score was taken down 32 pints

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: JPMORGAN CHASE & CO.
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had a lease with Chase Auto Finance that had 5 payments remaining for a total of {$1300.00}, or thereabouts. I purchased a new vehicle and the new dealership agreed to pay the {$1300.00} that was due ( {$260.00} x 5 = XXXX ). Upon the dealership sending payment, which was a few weeks late as they had the wrong address, Chase Auto called me and said I had a balance remaining of {$350.00} due to issues with the vehicle. I requested a formal dispute as the dealer ( XXXX XXXX ) that I leased the car from and was also the dealer I delivered the car to failed to inspect the vehicle while i was there. After showing up at my appointment time to drop the car off and have it inspected ; once the sales person realized i wasn't purchasing/leasing another vehicle he ignored me and after 1.5 hours i left the dealer. My goal in disputing with Chase was so i could reach out to the dealer to see why they had claimed that the returned car had defects, which i contest didn't have. Chase Auto Finance never allotted me the time and charged off my account and now says I owe {$540.00}, even though its not accruing interest or fees. With me being someone who has several car loans/leases through Chase over the course of 10 years ; never missing a payment, I felt they would honor my dispute request. Since the account has been in collections, I have called over 15 times trying to get through to my " Account Specialist '' XXXX at extension XXXX. She never answers her phone, even though I have left over 10 messages. No one else in the recovery department is allegedly allowed to speak to em about the account. They say I need to speak to XXXX. Once representative told me shes been in and out of the office recently and has been trying to play catch up. I even tried to call and pay the {$540.00} to protect my credit and they said they can not accept payment. 

They have negatively affected my credit with their negligent business practices, as my credit reflects a charged off balance of {$540.00}. I feel Chase has wronged me because they didn't give me any options to dispute the balance, even when I made a legitimate claim and they also didn't give me a chance to try and save it by paying, even though i disagreed with the charges. I am asking for my credit to be fixed and the ability to dispute the charge. I will even pay the charge until the the outcome of the dispute is determined. If its determined that i was right, then they can reimburse me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-16
Company: MoneyLion Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX i opened a {$500.00} loan with Money Lion. i have never missed a payment and paid the full amount off in XX/XX/XXXX. Since then, i have called them several times since XXXX because it didnt show it was paid. Said they would fix it numerous times and now my credit report shows 60 days late. I was in the process of buying a car and this destroyed my chances for a couple months. You do have to wait on hold for a very long time to speak to an agent. They refuse to transfer you to a manager unless you threaten to record them. They will not fix my credit and i have reported it to my creditors and showed proof of this payout. They are now showing the correct balance on my other loan that i retook out with them in XXXX. Another indicator i satisfied the first loan because they will not let you take out a second one. Now an extra balance that i did not agree with is showing on my active loan. The payments have also been made on time and are drafted from my account every two weeks. They have my social security number and personal banking information and i am VERY VERY VERY concerned they are conducting illegal activities. Since they wont even respond to my XXXX  that is even more concerning. They will not work with a consumer on their concerns and now credit reports are being destoryed. i have seen other compaints just like mine on XXXX. I need help and will keep reaching out until this is resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 I received a call from my mother XXXX XXXX that a debt collection agency called her about some debt that she had but that I own on a debt collection thats showing under her. She asked what is it for XXXX XXXX  she said she has auto pay on it. They asked if she recognizes the address XXXX XXXX XXXX XXXX she at first said not then they ask its under XXXX XXXX XXXX she said that it was her son then they told her the amount of it. She send me the phone number the XXXX XXXX. I called and she stated first that she spoke to my dad and that my dad confirmed it was him then said that it wasnt it was hes son. Then I asked why did this come under my moms information she said thats how it was send. So I told her we have different names different birthdays. She answered by it was no energys fault so i let her know I will call XXXX. I called XXXX  they confirm the Ssi number attached to the acct and its mine and the phone numbers on there which are my phone number and wife and the name on the acct which is only mine as well they dont know how they would get confused. I called my parent to ask my dad why did he say it was him then say no they said that my dad never talked to them. So I called back XXXX to get information of the collection agency and her information cause this information should have need been released to my family members and to make sure that these conversations where on a recorded line.

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 2022-01-09
Company: Experian Information Solutions Inc.
State: IN
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:
This is the continuation of complaints filed against Experian about incomplete and inaccurate reporting of accounts on my credit report. This account reflects US Dept of ED, account number XXXX. The credit reports reflects that it is a closed account, and 'transferred to another office ''. The original amount reflecting as XXXX. This account shows that in 2017 no data was available for XXXX, XXXX, XXXX and XXXX, but then reports that the account is 120 days late in XXXX, 120 days late in XXXX and 120 days late in XXXX. The credit report also shows no applicable payment for XXXX and no dates shown for the rest of 2017, XXXX through XXXX. There is no original creditor shown. I have no knowledge of who this debt collector is listed under the guise of US Dept of ED, the number isn't a working phone number and the number on the recording hangs up at ( XXXX ) XXXX. The credit report reflects, " disputed by consumer ''. I have requested validation of this debt, but I only have received generic, vague responses, if any responses at all. I have never received anything substantial. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have spoken with representatives from a company called XXXX XXXX with this same address that I found on a XXXX search, unfortunately they were unable to help me. I demand validation of this account. I demand proof of claim for this account. I am demanding to know their permissible purpose for being on my credit report, does this company have a binding two party contract with me? I want to verify that there is no debt parking on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Forged deed. XX/XX/2005, my home, XXXX XXXX XXXX, XXXX, per divorce court order, was sold to a person who, as I recently just learned, shows no record of ever existing. My home was flipped 4 months later at a {$40000.00} higher cost, with the fraudulent buyer of my home in XXXX turning over my large house quickly, at a much higher price, in a poor housing market at the time.The mortgage release, which my then spouse said I HAD to sign, with his providing no explanation for the delay from my home being, presumably, sold XX/XX/2005, and the release I was told to sign, from WAMU, being dated XX/XX/2005 ( after the XX/XX/2005 sale/flip, which at that time in XXXX, I knew nothing about. ) The mortgage company was Washington Mutual, now Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: MI
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; Chapter XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Ceo of PROFESSIONAL DEBT MEDIATION INC. sent out mailing stating that i owe a debt to him in which we have never contracted and not sure how he even has my information. This is in direct offense to my consumer rights and I am seeking remedy for such offenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called Capital One and told them I never received my credit card and now Im told I have credit card debts which is impossible because I never received any card to begin with I moved from XXXX XXXX XXXX XXXX  XXXX NY XXXX to XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX and have yet to receive my credit card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS IS NOT A DUPLICATE!!! 

XXXX XXXXXXXX claim this item Accurate & Consistent but its 2 different incorrect spelling of my name in the original contract which are highlighted in the attachments. which is a MAJOR Violations UNDER THE FCRA & FDCPA

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