BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: CONRAD CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i sold my XXXX XXXX license plate XXXX in XX/XX/XXXX to a XXXX XXXX XXXX. he bought motorcycle and promised to finish release of liability when i insisted i would. he broke down and left vehicle on freeway by XXXX, ca where he left it stranded. this was not my responsibility to pay a tow fine that i didn't incur. i have photo of pink slip before i handed it to him with his information. i trusted him and this is not on me. now this issue from the tow company creditor called XXXX XXXX XXXX XXXX. ACCOUNT NUMBER XXXX. REFERENCE # XXXX BALANCE {$2200.00} -- XXXX. THEY TRIED TO SELL THE CASE TO A COLLECTIONS AGENCY THAT THREATENED ME AND MY LIVELY HOOD BY THREATENING TO DESTROY MY CREDIT. I WANT TO SUE THEM. THE COMPANY IS CALLED CONRAD CREDIT CORPORATION '' XXXX, CA. THIS IS A SCAM AND I KNOW IN MY HEART THIS IS NOT MY FAULT. IM A VICTIM OF A TRUE HUSTLE BY COLLECTION AGENCIES. THIS VERY TOPIC IS BEING DISCUSSED IN THE WHITE HOUSE BECAUSE PEOPLE ARE GETTING TAKEN ADVANTAGE OF BY COLLECTIONS, TOW COMPANIES, ETC. PLEASE HELP ME I GOT PLENTY EVIDENCE OF MY CONVERSATION WITH THE THREATENING COLLECTION COMPANY CALLED CONRAD. I HAVE PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
An employee of XXXX XXXX has fraudulently taken a loan for {$16000.00} with my name as a cosigner for a new car. I was alerted to this by the credit company as the individual has stopped making payments. I was never at the dealership authorizing any loan in my name. I contacted the dealership numerous times to get this resolved. They refuse to do anything to correct the matter. I have contacted the loan company and was told that the dealership has to correct the issue. Please investigate the dealership located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Maryland 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 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 items below do not belong to me at all. 

XXXX XXXX XXXX # XXXX {$1500.00} XXXX # XXXX {$1400.00} XXXX XXXX # XXXX {$1300.00} XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$930.00} XXXX XXXX XXXX # XXXX {$640.00} XXXX # XXXX {$380.00} XXXX XXXX XXXX # XXXX {$300.00} Collection # XXXX {$230.00} Collection # XXXX {$230.00} Collection # XXXX {$220.00} Collection # XXXX {$220.00}

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 explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent several letters to Experian about a negative report that is showing up in my credit profile. I am not going to allow Experian to continue to violate my rights under law 15 USCa ( 2 ) ( b ).

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 2021-08-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that XXXX  and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also XXXX  and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).

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 2020-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a service member and a XXXX XXXX XXXX. I have problems with my accounts having large transactions wired. I worked so hard to earn where I am in my financial status having fair share of the economy, personal hardships and XXXX. All of my financial reports has problems with Identity theft, account data breaches and security problems with online bank accounts etc. I have invested on my XXXX XXXX XXXX. which has been fortunately international company now. I have bank accounts all over, including off shore accounts. Bank of America closed my account, reported my information to XXXX XXXX   for fraud supposedly. I have done XXXX  wire transactions with the bank and I maintain the account on good standing. 
Military, civilian, taking care of my family, work, I have been blessed to come to this life. I have been fraudulently, treated unfair and have been discriminated by Bank of America and XXXX XXXX. One transaction for example would be a {$900000.00} wire transfer didn't clear with Bank of America. It was a XXXX  income, transactions from my XXXX   international and domestic. Basically they closed my account and was discriminated being a young XXXX, I have XXXX XXXX   XXXX. I have all of my life together but sudden unfortunate events took place at once. All my informations regarding my financial status has been compromised by being affected thru cyber awareness identity theft, my documents lost and my life took another turn with having to be diagnose with XXXX XXXX. I want my money bank from Bank Of America and XXXX. All my informations were taken from me regarding my financial history. It has been years since I took a risk on this XXXX  Accounts and lost large amount. I didn't get any more explanations from Bank of America for I know the money is kept by them. Please help me get my life back all together you can save my humanity from finance first and then whatever comes after. God bless.

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 2019-06-06
Company: SLM CORPORATION
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX continues to harass myself, my mother and now are attempting to contact my friends to discuss loan repayment options. My loan is in the process of being consolidated and therefore I do not even have a loan through Sallie Mae any longer. A man named XXXX XXXX continues to call my mother at her place of employment as well as my best friend. He is violently rude and discusses confidential loan information each time he calls which is multiple times a day. 
Sallie Mae itself also calls myself and mother a handful of times a day leaving automated messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TD BANK US HOLDING COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Carrington Mortgage intentionally reported my account 120 days delinquent while on a trial payment period. I was making the monthly trial payments and received nothing in writing to confirm the payments. This company has sent me regular bills for an amount that does not reflect the trial payments, nor the payments deferred per the CARES act. I have called and emailed a supervisor, XXXX, on numerous occasions. I have received conflicting advice and opinions each time. I was told that the credit reports would be corrected, but they weren't. I was told the loan modification is complete but received a bill with an amount due of {$29000.00}. This company violates the basic rules of customer service. Each call is a dramatic episode where NO ONE know what they are doing and every word conflicts with the other. I would like help in order to correct my credit report and ensure this company isn't taking advantage of me and fraudulently places my house into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SUNTRUST BANKS, INC.
State: SC
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 had a Line of Credit with Suntrust for many years. After moving to a state where Suntrust is not located, I quit using the account but maintained it as open paying a {$15.00} annual fee. I had never missed a payment. 

This year, I tried to make that payment but had no record of the account number. I called Suntrust for help, but the person receiving the call could not help me find the account. If I had received a paper bill, I would have paid it again. 

Unknown to me, the bill went past due and Suntrust ruined my credit score ( XXXX to XXXX ) by sending in credit info that says it " was seriously past due ''. They made no attempt to remind me of it being due. It was a {$15.00} annual fee, not credit extended to me. 

I filed complaints with XXXX, XXXX and XXXX with no satisfaction. I have copied and a certified letter reciept where I sent payment and asked to close the account. They closed the account under the " closed by lender '' classification. 

My complaint is that I reached out to Suntrust to pay the bill when I was finally notified of it. Their Customer Service department could not help me. If I had been notified earlier, or by mail, it would have been paid. I never missed a payment for more than 10 years. This type of late payment should not ruin my credit, no distinction is made on my credit report that this is an annual fee or that they didn't notifiy me, or that I called to get help paying it after I was notified. 

I want my credit report to be corrected to Pays as Agreed and closed by account holder. I will not let it go as it ruined a credit score I spent years developing and will cost me interest in new loans going forward. Advise them I am planning a lawsuit for damages incurred. 

See attached. Even at my written request to close the account, I am still getting statements.

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 2020-12-07
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: Was not notified of investigation status or results

Complaint:
This isnt my first complaint/review. After several disputes and attempts to reach XXXX I got an email from them AFTER ( 4 years of avoiding and not returning my calls ) I started assessing law firms to take my case. I brought this concern up with two of the law firms, and now they wont reply. I can only presume that ethical laws were bootleg and my information and intent was shared with XXXX ... which invoked the email. 

XXXX XXXX XXXX, a corrupt company that XXXX XXXX with, has violated my personal rights via the following acts : the Fair Debt Collection Practices Act ; the Fair Credit Reporting Act ; the Civil Rights Act of 1866 ; The Fair Housing Act ; Americans with Disabilities Act ; and the The Equal Credit Opportunity Act.

I have, Under FRCA 611 ( a ) disputed the completeness and accuracy of the information being reported to all credit bureaus. Per the formal investigation process under FRCA 611 ( a ) ( 2 ), the following is suppose to take place by law, yet Experian has already responded with Carter Youngs inaccurate response. The process states that, all relevant information regarding the dispute is to be sent to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your re-investigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true re-investigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As you may guess ... NONE of these laws have been adhered to by XXXX, and I will need to take further action towards the bureaus that have not followed the law. 

This is an update on an ongoing process. Carter-Youngs email started that we should talk ... lets find a solution. The solution is to follow the law and due diligence of the process. I am not certain that XXXX knows that XXXX XXXX XXXX filed this inaccurate account, was paid with federal funds by the Department of Veteran Affairs and the Military Family Relief Fund ( MFRF ). Paid the lease out 19 days XXXX prorated ) in advance, which they did not return the fund or deny them. Only a month later, I got a erroneous bill, after I had already received my checkout list and deposit amount owed. 

I can only presume that XXXX  knows and is enabling, reinforcing, and complicit in breaking 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 2020-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I informed Chase about two fraudulent withdrawals from my checking account, one on XX/XX/XXXX in the amount of {$220.00} plus a {$2.00} withdrawal fee, and another on XX/XX/XXXX in the amount of {$140.00} plus a {$2.00} withdrawal fee. I never withdrew these funds, and have never visited these ATMs ( in fact, I have not pulled money from an ATM at ALL since XXXX ). One of the ATMs is located in Colorado, a state I have NEVER set foot in. Without asking me for any evidence, Chase denied my claim. I then contacted Chase to explain to them that I could furnish additional evidence, such as evidence of my whereabouts during the transfers, and that I was willing to file a police report. The woman I spoke with told me that was not necessary, because based on my past use of my debit card and other factors, Chase would approve my claim & refund my money. Instead, a couple days later, Chase again denied my claim without explanation. I do not believe Chase has actually investigated the fraud on my card. I work for a XXXX XXXX and, during both transfers, was in a XXXX XXXX working ( this can be verified upon request ). Chase has done nothing to obtain actual evidence about this fraudulent use of my checking account, despite fraudulently promising to do so. In addition, Chase fraudulently represented that I did not need to provide additional evidence because my claim would be approved ( Chase records telephone conversations, so the representative 's comments should be easily accessible. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
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: Personal information incorrect

Complaint:
The address, birth date and employer name on my equifax credit report seems wrong. I am in the process of changing my apartment and when they tried to pull up my information from equifax, it showed the wrong birthdate, address and employment information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear CFPB, In XX/XX/2018 I received an offer from Citi for an XXXX XXXX credit card for which I could get XXXX bonus airline miles. I signed up for this card to get the miles and help my family take my mother on a trip she has always wanted to go to. 
We met the qualifying purchase requirement however never received our promised miles. After several inquiries as to why I did not receive the bonus miles I was told that I did not qualify for this offer because I had previously had a XXXX XXXX card with Citi ( though a different type of credit card ). 
It is very misleading to send offers to consumers that we can not actually take advantage of. I am attaching a copy of an offer my husband received ( he also has the same XXXX XXXX Citi card ) which illustrates my point. The offer says he can get XXXX bonus miles but he really can not get these because he already has a Citi AAdvantage card. I find this to be a very misleading practice that takes advantage of innocent consumers. 
I feel I should receive the bonus miles as promised when I initially signed up for the card and no longer receive deceptive offers.

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 2021-10-04
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage ordered an appraisal for my refi application. The appraiser was shady in reaching out to me to schedule an appraisal, changing the appointment multiple times and sending me confirmation texts back to back for odd times. I never spoke with the appraiser or company owner, just the administrative assistant. Rocket never answered my complaints about the appraiser. When the appraiser did finally do the job, the estimate came in MUCH lower than a prior independent appraisal done two weeks before. Rocket Mortgage would not proceed with my refinance, would not hear my complaint, and would not consider ordering another appraisal. I am directing my complaint to Rocket Mortgage and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I was assigned to the XXXX XXXX XXXX XXXX ( XXXX ) - XXXX. During the time I was stationed in XXXX and lived in the Barracks I established an account with with XXXX and XXXX XXXX XXXX on U.S. Property. I received orders for reassignment to XXXX - XXXX XXXX in XXXX, XXXX in order to deploy to XXXX. The XXXX XXXX XXXX XXXX Community Center drafted and submitted an official letter to XXXX notifying them that I was placed on orders and will be terminating the agreement. In XXXX I began receiving collection notices and phone calls from several collection companies over the years as the debt was continually transferred from one US debt collection company to another. The debt does not belong to me because XXXX was notified that their services was no longer required but it appears that long after I was to XXXX and XXXX to XXXX, they continued to bill me for several years despite not using their service or even being in the country in which the service was established.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation