BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a loan with Ally Financial for a XXXX XXXX XXXX. I paid {$6500.00} in XX/XX/XXXX to 'pay ahead ' as I knew I had some financial constraints happening in the beginning of XX/XX/XXXX. In XX/XX/XXXX, I was notified that I was past due for my XX/XX/XXXX payment. When I asked why, I was told due to no payment being received since XX/XX/XXXX. When I explained what I had attempted to do, I was told their company does not recognize 'pay ahead '. I asked why I was n't past due for XX/XX/XXXX or XX/XX/XXXX and no one could give me a reason. I scraped for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments each of these months, all they considered 'late '. In XX/XX/XXXX, I paid off the loan, less what I thought late fees were. On XX/XX/XXXX, after speaking with an 'offshore ' rep and Supervisor, I was transferred 'onshore ', where I spoke with two reps, all the while arguing to speak with an 'onshore ' Supervisor or Mgr. I was finally transferred to a Mgr line and was told she was n't available and I would have to leave a message. This Mgr called me back within 15 minutes and after listening and empathizing with me, she said she would put this in for late fees to be removed. She also promised me a return call with in the next few weeks. In XX/XX/XXXX, I called and spoke with a second 'onshore ' Mgr, who said the fees were not waived ( which I knew ) and said she would look into this further and call me back. To this day, I have not heard from anyone. I attempted today to call in and requested the number for the customer advocate for Ally, this number was refused to me without my account information and then the rep hung up on me. I would like this to be reviewed to have late charges waived and my credit bureau updated. At this point in time, I will not consider Ally for any future loans. I am beyond upset and frustrated with their non-compliance of my requests. I have worked for several banks and have NEVER promised a customer something I have not followed up on. **I am including my ssn in place of the account # as I am completing this at work and do not have the account # with 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 2020-08-25
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was involved in the XXXX data breach and someone used it to open 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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 and a second request on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 5 months now and I have not received any responses to my requests from TransUnion. I have enclosed a copy of my dispute letter along with copies of the USPS Tracking Details proving that TransUnion received my dispute letters on two occasions and has not formally responded to my inquiries.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

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 2021-01-21
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Elan/VISA/USBANK continues to accept bills from XXXX XXXX XXXX even after refunding several previous identical monthly charges ( of {$48.00} ). They claim they are unable to simply block further transactions from XXXX and that I must instead cancel or change my cc number which places on me the unfair burden of having to contact the many other vendors with whom I have monthly automatic payments. 

Ref : letter from XXXX XXXX XXXX XXXX XXXX, ND XXXX dated XX/XX/2021 with CaseID XXXX. Footnote : The creditor, issuer and service provider of your credit card is Elan Financial Services.

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 2021-03-04
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX MyLoancare is not giving me my Pay off statement for refinancing. 

I have been asking them for month and half.I have made many phone calls to them. 

From : my email address here Sent : Tuesday, XX/XX/2021 XXXX XXXX  To : Payoffs MyLoanCare Subject : Payoff Request ( Ticket # 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 2022-10-05
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX  ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a mortgage payoff letter from Freedom Mortgage. After the payoff letter was issued, Freedom imposed a {$30.00} fee for that letter. I closed my mortgage with a different loan company and my HUD-1 statement does not include any such fee for a mortgage payoff letter. Freedom claims ( in a phone call on XXXX ) that since my mortgage was sold to them, that I need to comply with their fees. I had no say in my mortgage being sold to Freedom and should not have to pay any additional fees beyond those that I agreed to when I closed on my mortgage. I am seeking a refund for the {$30.00} fee including lost interest. Thank you for your assistance.

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 2018-07-03
Company: Ameritech Financial
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by Ameritech financial over 2 years ago about having them help me to consolidate my federal student loans and submit the paperwork for loan forgiveness. Since XX/XX/XXXX, I have been making monthly payments to them every single month with the expectation and impression that they would be forwarding the payment to my actual loan service. 

I received a document from the USA Federal Trade Commission stating that the payments I've been making are not being and have not been submitted to my student loan service, and that I should contact them to cancel as well as request a refund. 

I attempted to contact them via customer service phone number and after 3 minutes of being on hold- a busy signal comes on and the call hangs up. I attempted this 5 times. I then called the FTC phone number and per the recording was prompted to contact the CFPV to file a claim since I'm not able to contact Ameritech directly. 

I would like to get my money back so that I am able to make the payment directly to my student loan service, which I thought was being done all along. 

I have made the following payments : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Kia Motor Finance has a deferment program which I applied for and instead of them trying to help me they refuse to - my loan will be 60 days late by the XXXX of this month and they will not help - they say they will approve you and then tell you that there is a document that you need to sign and send back however in the meantime they do not sent the document and this will impact my credit - they are not being helpful at all.

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 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
XXXX has me down as owing them on four accounts that are not mine. They refuse to assist. I have gotten a few times where they say I do not owe them anything and they have no info on me. I have these convos in e-mails to prove this claim. With that being said they're reporting my credit for four accounts that are not mine.

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 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A Refinance Mortgage Application was completed on XXXX XXXX through Bank of America 's online portal and it asked the type of mortgage we were interested in and we indicated we were interested in a refinance loan with a cash out option. Bank of America pulled our credit reports after completing the application. We were then instructed to contact Bank of America for more information. Once we spoke to the loan representative over the phone, he stated since the current mortgage is not serviced by Bank of America, we were not able to apply for the cash out option, only the refinance rate option. This information is not on the online application that you have to be an existing Bank of America mortgage customer in order to apply for the cash out option. This was a hard pull of our credit which will affect our credit scores. This information should have been made very clear before applying. This is not acceptable and this information needs to be made more transparent during the application process.

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 2021-03-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I sold my home. On XX/XX/2021, XXXX XXXX XXXX XXXX sent certified funds in the amount of {$130000.00} to Carrington to payoff the loan in full. Carrington received those funds on XX/XX/2021 via XXXX over night mail. On XX/XX/XXXX, Carrington sent the funds back to my title company with no explanation as to why the funds were being returned. The XXXX label stated that it is being returned to shipper as receiver did not order, refused ( Original receiver : Carrington Mortgage Services ). I have spoken to Carrington multiple times and they do not show that they ever received the funds to payoff my loan nor that they were ever returned. The representative also advised me that they will not accept the original funds and that the additional months interest is now due for the month of XXXX. They refuse to work with me to payoff my loan as it was the fault of Carrington that my funds were returned. 
The return funds did not reach my title company until XX/XX/2021, an entire week after the funds were sent to them to payoff my loan, therefore has now caused me to have a 30 day late on my credit report as the loan needed to be paid off in the month of XXXX. In addition, I now have to pay an additional months interest for XXXX, as this is an FHA loan. I do not feel that any of this is any fault of mine and that I should not be responsible for paying the additional months interest nor should I reported to the credit bureaus with a 30 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously complained and you closed the complaint as the company ( Mr Cooper ) responded. However I was not satisfied with their response as they did not solve the problem and have not done what they promised to do - refund my overdraft costs caused by them taking an unauthorised payment ). 
The company appears to still be making excuses and their facts are not correct. They only advised me of their email address after me asking for it twice - they did not volunteer the information easily. It is a very long response but I don't agree that their intro letter was clear about the autopayment - it did not state exactly what they have said. Also, the point about the payment being short appears to be another excuse - the escrow payment was significantly increased from last year and this was not clearly communicated in the changeover. I have sent the bank statements as proof of costs incurred and hope that Mr Cooper will honor their promise to refund these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: LendingPoint Holdings LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back on XX/XX/2020, I was offered a loan by LendingPoint, the loan was for {$17000.00}, once the loan was approved I was told that there was a charge of {$1500.00} for admin fees, which it was not explained to me, anyway I proceed with the loan and on XX/XX/2020 I tried to pay off the loan on which I already had made the XXXX payment, I made a payment of {$17000.00} and then I was explained all the fees and charges which when I asked the lady the amount to pay off she told me {$610.00} and some change to pay off which I paid then she proceed to cancel my autopayment which it did not happen, in XXXX I notice an auto payment of {$500.00} to LendingPoint when I called they told me that I still owned money did not tell me the amount but that the {$500.00} was the monthly due and so I asked how much was owned and why no one reach out to me about that. he said that to pay it off I still have to pay another {$8.00} and some change, I explained that I was told different back in XXXX and that I thought the account was pay in full already, I was not expecting that extra payment in XXXX which financially put me on a bad situation. I will like to get some clarification on it and about the interest why to high and why I was not provide with the correct information, again I got XXXX financially for the month of XXXX since I was not expecting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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:
On XX/XX/2021 I sent a letter to equifax for validation of debt until this debt I never received a response. The letter was notarized and I have a copy of my Id and social as well. I the. Reached out to your company. Surprisingly, the agency mentioned there was unauthorized third party. NOT TRUE, this is clearly a stall tactic by agency. They have not validated this debt and its illegal for them to continue reporting this account Im requesting deletion. Im resubmitting this after calling the customer service department of the cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Lease ended XX/XX/XXXX. All monthly lease charges have been paid. GM Financial sent a past due notice of {$1700.00} on XX/XX/XXXX without any invoice, details, or support of the charges. I talked with a Customer Service Rep and asked for the info. I sent a note on XX/XX/XXXX asking for the invoice. No invoice was received. GM sent another past due on XX/XX/XXXX again without any description of what this charge was for. On XX/XX/XXXX I sent a note asking for this info. GM did not respond or send the info I requested. Now they have reported my account as delinquent to the credit bureaus impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
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 non-monetary relief
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was trying to get my annual free credit report on XX/XX/XXXX and ( as usual ) Equifax would not make the report available online. I got the usual " mail us the form with all of your sensitive information on it for us to send you a report ''. I ended up calling the annual free credit report phone number and managed to get a report, but I now have to scan in 28 pages so that I can save the report on my computer. This happens every year and I have never received an explanation from Equifax as to why this happens. This also prevents me from filing a dispute electronically - again forcing me to send in more sensitive personal information. 

This same nonsense has prevented me from signing up for several US government web sites ( like Social Security and the USPS web site ).

Company response to consumer: Closed with explanation