BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: ALLY FINANCIAL INC.
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In 2016, I was in a XXXX XXXX XXXX, due to my mental health issues being exasperated by my mother in law being diagnosed with XXXX XXXX XXXX, as well as my father having a XXXX. My XXXX XXXX  became uncontrollable. During that time, I would rapidly apply for several bad loans, along with maxing out my credit cards. Despite my poor credit situation and massive debt, I apply for a used XXXX XXXX valued at over {$24000.00}. I knew that my chances of being approved were slim to none, but to my surprise, I was advised that one lender did approve me ; it was Ally Bank. I made my way down to the dealership, and when I submitted my income statements, along with an offer to trade in my car and put {$1000.00} down, the Ally rep stated she could not approve the loan, due to my income and down payment. The sales rep continued to submit my credit information to other lenders while pressuring the Ally rep to approve my application. The terms of the loan required that I make payments of {$600.00} a month on the loan. The APR on the loan was astronomical, and over {$200.00} of my monthly payments would go to interest along. When my income of less than {$40000.00} was factored in along with my debt current debt, and cost of living, every other financial institution knew that approving me would end badly, but not Ally. The two sales reps were able to pressure the Ally underwriter to approve me by convincing me to come up with another {$1000.00} for the downpayment. I had to take out a payday loan just to get the money which only made the situation worse. I would call Ally several times to try and have the loan payments reduced, only to be told that I was not eligible and to call back after a year. The car would be repossessed in less than a year, and now I'm left with a {$12000.00} debt and debt collection threats Because of the dealership, and Ally 's decision on that day, I would end up falling into financial ruin, and now facing bankruptcy. Ally bank should have known that my take-home income of {$1000.00} every two weeks would not have been enough to pay a {$600.00} car payment a month. I even told the sales reps that I was looking to have a car payment of about {$300.00}. They proceeded to add additional " warranties '' that increased my loan amount as well, and now Ally wants to sue me for a mistake they made that ruined my life. Despite being found guilty of taking advantage of people of XXXX with predatory loans. Ally continues to practice the same. Please take action to prevent this from happening to others.

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 2022-04-29
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company wrote off auto loan as bad debt and a charge off but is still attempting to collect money from me when they have already been reimbursed.

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 2021-06-14
Company: EQUIFAX, 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report to find several unauthorized hard inquiries without permissible purpose by American Express on the following dates : XX/XX/XXXX,  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I only applied for ONE card with American Express on XX/XX/XXXX and for which I was approved but then AFTER my approval I was hit with 5 additional inquires that I did not authorize nor give any permissible purpose to access. When I contacted American Express they informed me that these would be " soft inquiries '' and that they would " fall off '' within 3-5 business days. They indeed are NOT " soft inquiries '' and have not " fallen off '' in 3-5 business days. Therefore it is my specific request that they be removed from my XXXX report as I did not give any permissible purpose for them to access my credit report past the date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Southern Credit Adjusters, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$98.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: WA
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:
My son use our citibank credit card for two transactions, one for {$14.00} and one for {$18.00} or a total of {$32.00}. Citibank charged a {$20.00} fee and a {$0.00} interest resulting in {$20.00} on {$32.00}. That's a 62 % interest rate for a month or 33,676 % interest rate annually. I can'be believe there are no laws against this or required warnings. 

I don't expect any action, but would like to register the complain so perhaps it comes to the attention of someone that this kind of usury really should be outlawed.

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 2021-06-14
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank is who my mortgage is through. I was supposed to have a Covid loan modification done in accordance with the CARES Act. I completed all of the requirements including making a higher modified payment amount and have been told that my loan modification is in underwriting waiting to close for the last 5 months. I found out today ( XX/XX/XXXX ) that it is not in underwriting and that they have been marking my loan as delinquent since XX/XX/XXXX because my documents were received too late. I was initially told that I was missing the suffix from my legal name in a signature and they were sending back new documents to sign. They were returned via XXXX the day after i received them. I have called more than 20 times checking the status and not until today have I found out an accurate status. The escalation specialist " XXXX XXXX, Employee # XXXX '' said he would put the process in motion to get this corrected. I honestly feel as if Flagstar is making an effort to take my home from me. And considering the massive fraud they committed and were convicted for in XXXX, it wouldn't surprise 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 2022-04-29
Company: EQUIFAX, INC.
State: DE
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, the accounts below, have 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 an account without my written instructions. 

Accounts are below : XXXX XXXX XXXX XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX  XXXX  Acct # : XXXX Amount {$2300.00} XXXX  XXXX  Acct # : XXXX Amount {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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, the accounts below, have 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 an account without my written instructions. 

Accounts are below : XXXX XXXX : XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX  XXXX  Acct # : XXXX Amount {$2300.00} XXXX  XXXX  Acct # : XXXX Amount {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: CA
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. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX ACCT # XXXX, Has violated my rights 2. XXXX XXXX  XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.C.S 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I have worked in banking 15+ years prior to being laid off due to Covid. My joint checking account with my wife is receiving fees although we have contacted the Bank letting them know our unemployment has been delayed and we are struggling to put food on the table. We originally asked for a debit block so that we don't receive fees but because of previous taxes and the pandemic, the account is tied to our money being deposited here and can't close the account. We actually have a XXXX balance of principal but were charged XXXX and then NSF fees on top of them totaling over XXXX . After my grandfather has been in the hospital for 2 weeks I finally get a chance to call the Bank and deal with this - the full negative XXXX $ balance is all fees and not XXXX $ sent to merchants or anywhere else. Bank of America 's solution is a credit line to pay my debt to them ( so they are offering an unemployed person a credit line to pay their fees back to them with no principal balance owed to the 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 monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX ACCT # XXXX, Has violated my rights 2. XXXX XXXX  XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.C.S 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions

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 2017-09-27
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a personal loan with Tower Loan in XXXX, Alabama. Due to hardship from reduced hours at work, I hired XXXX XXXX XXXX XXXX to help me consolidate and settle my debts. I was advised by XXXX XXXX, not to accept debtor phone calls because they will deal directly with the creditors. 

Tower Loan has called my number as well as my job, my family members and my friends leaving threatening messages to reach me. Several of the people they have contacted have asked to be removed. 

Today, XXXX XXXX,2017, I contacted Tower Loan, against the better advise XXXX XXXX, to tell them that I was utilizing a debt consolidation company to help me settle with them. I was advised that Tower Loan will not work with credit consolidation companies and I had no choice but to renegotiate my contract with them and resume monthly payments. 

I reported this advise to XXXX XXXX and they advised me to submit a complaint with the Federal Trade Commission for harassment.

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 2021-12-03
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX had erroneous reporting on my credit reports and it has seem to affected all agencies. I have disputed the charge in its entirety due to inaccuracy. 

On XXXX XXXX, 2021, I disputed the account with Experian directly, but was informed that Experian determined the information as verified and accurate. During a XXXX XXXX, 2021 follow-up phone call with Experians representative, the rep indicated that Experian did NOT conduct an independent investigation into the information, but rather solely relied upon XXXX to determine the accuracy of the information. The Experian rep was XXXX XXXX and confirmed they did not do an investigation and only relied on XXXX 's statement. 

I have previously disputed the debt with XXXX XXXX XXXX XXXX and XXXX XXXX on XXXX XXXX, 2021 and XXXX XXXX, 2021 respectively. Neither entity provided a response to my FDCPA dispute. I can provide copies of this correspondence if needed. As such, I also formally disputed the information directly with XXXX and request an investigation as outlined in Section 623 of the FCRA.

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 2020-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX  XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to XXXX, Experian, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXX/XXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX  XXXX/XXXX is inaccurate and incomplete, and represents a very serious error in your reporting.

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 2017-07-05
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
Since XXXX, XXXX I have been disputing information reported by Synchrony Bank/Brandsmart to XXXX, XXXX, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, Synchrony Bank have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Synchrony Bank claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with Synchrony Bank/Brandmart because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by Synchrony Bank/Brandsmart is inaccurate and incomplete, and represents a very serious error in your reporting.

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 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A couple months ago, I used to bank with Bank of America. I liked banking with them because my work checks are with Bank of America. but I had a family emergency in another country where I had to fly out and with in that I lost my debit card within that process. And I guess they closed it due to fraud or something like that. I was told I could never reopen with them until XXXX years, I called to find out why and all they said was that it shows something about business decision and that I can not open a new account. No reason was specified on why it was closed all they said is I cant bank with them anymore.

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 2021-06-14
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I cancelled a contract with XXXX XXXX XXXX XXXX ( Company ) that had been fraudulently opened by an agent of my business without authorization in my name. The contract was opened in XXXX. I called in XX/XX/XXXX after receiving access to the business e-mail and seeing they were still charging me for the account. I had paid all fees prior to this, despite not being responsible, as they were being withdrawn from my business account. XXXX XXXX XXXX XXXX sent an e-mail on XX/XX/XXXX stating that my contract had been cancelled. They made no statement of debt owed, or fee for cancellation of ser vices. After cancelling the contract, they sent a bill for collections in the amount of XXXX, for this years ( XXXX ) service contract. I disputed the collections with the collection agent, RADIUS GLOBAL SOLUTIONS, LLC, and asked for validation of the account. They sent back a very basic invoice with minimal information other than public information. I have made several attempts to contact XXXX XXXX XXXX XXXX  to dispute the information with their fraud department, but they kept transferring me to any department except ( CS, Tech Support, Accounts Receivable, etc. ) They have been totally unreasonable in contact attempts, and have threatened harm to my credit by sending this account to a debt collector. They also charged an unreasonable fee bordering on predatory for their service in comparison to several other similar platforms that I have recently researched.

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