BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally Financial Auto reported a CLOSED account to the credit bureaus when in reality, the account was PAID IN FULL. I contacted Ally and spoke to several people in several departments but none were willing to correct their error. Their error lowered my credit score by 15 points.

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 2019-06-13
Company: LCO Financial Services, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
i took out a {$1200.00} pay day type loan from Bluetrust loans om XX/XX/2019. Now after 8 bi-monthly payments of {$220.00} totalling {$1800.00}, my pay off is still very high at {$1100.00}. If I continue to pay the bi-monthly payments, I have another 8 payments totalling another {$1800.00}. I did not pay it off immediately because i fell behind my bills and couldm't afford the entire pay off amount so I was forced to pay these predatory loan payments. I fortunately can now pay off the full amount of {$1100.00} now and be done with this XXXX predatory loan company, but not before winding up having pain in total {$2900.00} for the original {$1200.00} loan. 

If I could not afford to get out from this debt at the end I would have paid {$3600.00} for a original {$1200.00} loan.

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 2021-10-12
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
XX/XX/XXXX I wrote both the XXXX Credit Bureau and Bank of America stating that I have never had a credit Card Card from Bank of America, yet my file showed a charge-off on it. I requested a copy of the original application and any charge slip that showed my signature on it for charges made. Since that time I have received nothing but form letters that do not directly answer my needs or questions. 
First response XX/XX/XXXX : XXXX says they checked with Bank of America and their records are correct. 
My ReplyXX/XX/XXXX letter to both requesting copies of related charges. 
BOA reply XX/XX/XXXX : or records indicate we are reporting correctly my response to bothXX/XX/XXXX : letter stating no one is responding to my SPECIFIC requests for information. Only getting form letters. 
XX/XX/XXXX XXXX sent exact same information that sent XX/XX/XXXX my responseXX/XX/XXXX returned letters to both requesting that they read my letter and respond to same my not sending form letter. 
XX/XX/XXXX form letter from XXXX XX/XX/XXXX BOA form letter saying the consider matter closed because they could not investigate it?????? 
XX/XX/XXXX I respond to both giving specific requests and copies of all correspondence. 
XX/XX/XXXX received responses from both this time BOA wants complete account number for and account that I have claimed for 5 months that I do not have! 
XX/XX/XXXX I respond giving all of the information I have and restating send me all the information you have. I need copy of something I signed. 
XX/XX/XXXX received response ( form letters ) from both. XXXX same as before we have contacted BOA and their records are correct. BOA form letter says they checked their records and are reporting correctly.

As you can see for nearly six months I have been getting no personal responses to my questions. It appears that both are only willing to send form letters and not investigate anything. How is one to get through to them that there may be a problem of some type and that mearly looking at the original application or, XXXX forbid, that is not available, at least look at the relevant charge slips to identify signature and name? 

Neither of these organizations have complied with the Fair Credit Reporting Act or the Fair Debt Collections Protection Act they have simply skirted the issue by trying to drown me in a ton of form letters.

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 2019-06-13
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: Their investigation did not fix an error on your report

Complaint:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Equifax They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Equifax Dispute Results, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again inaccurate Items disputed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the Status Updated date didn't change/update, this irrefutable proof that no investigation was done. remove for violation However, in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the XXXXatus Updated date didn't change/update after the investigation was done, this proves that no investigation was ever done because the Status Updated date didn't change. Status Updated date didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Status Updated date didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX   XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX A Status Updated date was ( XX/XX/XXXX ), XXXX XXXX  XXXX Status Updated date was ( XXXX XXXX ), XXXX XXXX XXXX   Status Updated date was ( XX/XX/XXXX ), XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Status Updated date was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my previous dispute results from Equifax investigation still shows the Status Updated date didn't change/update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my cell phone 2 times a day and my work number once a day and they also send emails - it never stops. I told them that I mailed my first payment to the address on the CONTRACT, which I signed and they told me it was not the correct address and harassed me to pay over the phone - the address is indeed the address where their call center and headquarters are located and the only address on the contract. 

This company is a loan company that lent me {$3700.00} which I needed for my husband 's funeral expenses. Then the first payment was due in less than one month from the funding date and they tried to draft that amount from my account without my permission. Which caused overdrafts in my account.

I repeatedly told them never draft the funds from my account- I will mail a check and not to call me at work or on my cell phone because I am working and I told at least 7 different people the address and amount of the payment I mailed and they would NOT stop calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: SYNCHRONY FINANCIAL
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:
I called this company several times, no answer, I don't even know who there are how can this just end up on my credit report and I don't even know what it is all it states is XXXX XXXX XXXX  this is hurting my credit report drastically, I would like them to show proof or delete from all 3 credit bureaus immediately.

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 2019-06-13
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company I have a problem with is CareCredit Synchrony Bank. The amount charged to this card was paid. However, as we got close to pay off the company, for an unknown reason, stoped sending paper statements to my address. I call the XXXX # on the back of the care on 3 different days and the computer system and live persons told me there was a XXXX balance on the card. Later, we ( my husband and myself ) got automated calls about the account. When we finally were able to speak to a human, we were told we missed the payoff date and now owed XXXX. After a long conversation, I was told we were no longer getting paper statements because they were sending statements to an email address, which we do not check. This person also found not tell my who or when this statement change was made. To the best of why calculations we have paid full amount charged on the card. To date the amount is over 3000.00 dollars. Also, the last call I received from this card company the lady told me " I see you have a XXXX balance, how may I help you? ". It appears to me their system does not see accounts correctly. I feel this card company has used unethical practices to charge excessively high interest rates. I have told my story to several people at this company, yet no person in management has contacted us to resolve this matter.

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 2019-06-13
Company: Byrider Franchising, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After filing bankruptcy, the car loan company made an inquiry on my credit report on XX/XX/2019. This will negatively impact my future chances even further at obtaining new credit. XXXX continuously calls me and everyone I listed as a reference on my auto loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I leased an 1 bed room apartment for one year from XX/XX/XXXX to XX/XX/XXXX. I dont know what this charges are coming from. I left the unit and also, i did not received my deposit back. I was new to credit i was young and i didnt realize how importat credit is and now im trying to fix my credit this is my number one priority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I applied for and received the American Express Blue Cash Card ( XXXX ) in  XX/XX/XXXX. The invitation information said that there is no fee, and I also enjoy 0 % interest until the end of XX/XX/XXXX. I therefore applied for a balance transfer of {$6200.00} when I applied for the card. The balance transfer was approved and executed in XX/XX/XXXX. However, AmericanExpress incurred a 3 % balance transfer fee against my account. I believe this is not consistent with the invitation material that AmericanExpress sent me, and therefore a breach of contract. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
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 fraud alerts or security freezes

Complaint:
I tried to add a security freeze online with Experian for myself & my XXXX XXXX XXXX over whom I'm guardian. Those attempts were unsuccessful & Experian 's website mandated that I mail in all required data to obtain security freezes. I mailed all requested data. More than two weeks have passed & there is no way to call, email, or fax this company to obtain a status report. I have obtained security freezes for myself, wife & daughter with the other credit reporting agencies.

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 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Attached is my government issued state id, Inwhich is my only address, all other addresses on my report should be removed

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 2018-08-09
Company: EQUIFAX, INC.
State: MO
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:
Attached is my government issued state id, Inwhich is my only address, all other addresses on my report should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02
Company: Rosebud Economic Development Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Violating a Cease and Desist

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 2018-03-14
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have always rounded my mortgage payment up. My loan payment is XXXX. I pay XXXX every month. The balance, though my mortgaged is fixed, adjusts so no matter what the payment is, I always round up, sometimes as much as a XXXX dollars more. As far as I know, I was late once on my mortgage ( resulting from the one time I attempted to pay my mortgage payment through the website which led to a snowball of financial tangles which have been fixed ). 

I pay my mortgage electronically which means real time payment. I notice that while I have a grace period from the XXXX to XXXX of every month, after which I am assessed a late fee, and even though I am not late on my payments, U.S. Bank has been applying the extra money I pay every month to late or other fees, so that the extra money I pay doesn't affect my balance. Please also note that they say I pay {$3000.00} a year in county taxes. I am calling the county to confirm this is incongruent with the actual statement I receive from the county.

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 2019-05-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX As we going through the process of our Loan Modification, we have some concerns on the approval of the Lender Investor underwritters. 
We have done some research on the lenders of XXXX  and present and it appears that there is a Fraud, Scandal and corruption committed on XXXX XXXX Loans. 
XXXX XXXX is deceased and she resting in peace in XXXX with our XXXX and XXXX XXXX XXXX. 
Respectfully, We are not in Retaliation against the lenders, but we are very surprise on the unlawful acts of Loan Reps and Lenders that provide it XXXX XXXX Mortgage Loans that was not a Fixed Rate. 
We have given Authorization and Consent of Privacy Release for U.S Senator XXXX XXXX on issues of Lenders and Consumers Financial Protection Agency Investigations. 
We are respectfully requesting that a Federal Investigations will be implemented of the unlawful acts of lender and reps. 
THIS IS A EXTREME URGENT MATTERS!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX tried to charged me multiples times large amount of money from my saving account and I never authorized XXXX  to charged me any money from my saving account. and because I don't have enough funds when they tried to charge me from my saving account so Citi bank charged me 4 times of return check fee. 3 times of {$34.00} and one time of {$68.00} and Citi charged me {$170.00} total of return check fee but they only agreed to gave me two times of {$34.00} back which its {$68.00} and they aren't willing to give me rest of {$100.00} back and I am not happy about it, since it's unauthorized transaction in my account cause saving account charged me the return check fee and since it's unauthorized why am i responsibility to pay for the overdraft fee charge from my 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 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXX verification that you utilize is faulty ...

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 2019-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, My credit has been in good standing with several banks as I have been paying down my balances across the board and have never missed a payment. I reached out to several banks for a credit line increase and was granted them without question. One of the banks where I submitted an increase with was with Bank of America, which ultimately denied the increase request. 

I called their credit cards department and spoke with their manager for an explanation. They said primary factor for the denial was my utilization rate, which I found quite odd since I have been paying more than minimum payments across all cards which should have reduced my utilization since the last review. To add salt to the wound, they actually REDUCED my current credit limit by {$1400.00} which will effectively hurt my utilization rate even more than they claim it to be. I've never experienced or heard of such a thing. 

During my conversation with their manager, she became very demeaning and condescending with her comments. Saying that I'm very bad at managing my money based on my overall credit debt and that reducing my credit is better for me. I politely asked that they revert my limit back to what it was originally and she aggressively said that I had no chance. I then proceeded to ask if her boss or a high-level member would hear my case and she said that there's no point in talking to them and that the decision has been made. 

This was just a slap in the face to me, my family, and the effort put forth to be in a better place financially. Denying the increase is understood, but a reduction is just unheard of and not the least justifiable ( particularly since I was just increased by other banks ). To show no respect to a loyal customer left me no choice but to file this complaint. It just seemed like the right thing to do. I just don't understand how a business can operate this way. 

Thank you

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