BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: ALE Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We are renting funrintire through ALE solutions after our home was destroyed by Hurricane Matthew. After delays from our mortgage company which we tried to work with them about they came to take the furniture and housewares. They came on XX/XX/XXXX. We offered to give them some of the items that were n't needed but we were told by XXXX after he spoke to someone on the phone to not pick up anything because it was easier to get it all at once. We explained the situation and on X/XX/17  we received a threatening email from XXXX XXXX. We had explained the delay because of the part of XXXX XXXX delaying our checks being endorsed to finish work on the original property. She had told us if we did n't pay them approx {$1600.00} them they would start legal procedings and have us arrested for theft of property. They have already picked up half the items previously and are charging XXXX XXXX and trying to charge us for the full amount of items even though they were returned. We have XXXX small children XXXX,XXXX,XXXX and XXXX and one son is a XXXX XXXX. This is unacceptable

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
During the Pandemic I was placed on the forbearence program due to my financial status. The forbearance was set to expire in XX/XX/XXXX. In XX/XX/XXXX Mr. Cooper which is the mortgage company has reported my account to all XXXX credit bureaus as DELINQUENT when in fact I was not being late and still was in the forbearance program. As a result of that my credit score has been reduced to XXXX points causing me to lose on the property I was about to put an offer on. Mr. Cooper 's action for reporting my account to the credit bureau has impacted me hardly and financially in so many ways. I have tried to speak to a customer service and a manager to see if i could have the issued escalated to resolve this matter and have my account updated however i was not being successful. I am requesting to have the account removed from all the XXXX credit Bureaus ASAP and be compensated for my losses as this is very unfair and unjust to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
( Credit Bureau System ) at ( po box XXXX XXXX, Ky XXXX ) has been sending me collection notices in the amount of ( {$1200.00} ) the account opened XX/XX/20 .the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The Bank of America froze ALL of my bank accounts after receiving a temporary order in a divorce case, that is now final. They are still holding my money as frozen, and their legal department will never talk to me or even send me info on when the money will be returned. it appears they 'charged ' me for the legal hold as well and are trying to steal my money. the divorce is final and i need my money back, there is no reason that they should be holding it.
Also, the order that they were provided by my x-wife 's attorney stated clearly that they were only to put a hold onto XXXX account. They went and took money from ALL my accounts including my son 's college account that was his money he was using the account. This was not ordered by the court, Bank of America just did this on their own.

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 2022-02-12
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I Consumer XXXX XXXX, Sent a notice of billing error pursuant to 12 CFR 1026.13 to Ally Financial to their financial Disputes, address that is listed on their website at Ally Financial INC. XXXX XXXX XXXX XXXX, MN XXXX. On XX/XX/2021 I have noticed several billing errors in the truth in lending disclosure section of the " Retail Installment Contract and Security agreement ''. The first one being the number of payments as well as the number of payments seems to be inaccurate on the payment schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure as defined as " A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation Z, which is applied in whole or substantial part, to purchase of goods or services from the seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Under Regulation Z also known as the truth in lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. '' The next Billing error is the downpayment on the itemization of the amount financed. The {$3000.00} downpayment placed under section f which refers to net trade in is a violation of 7 CFR 1436.10 ( c ). The downpayment may not include any trade in, discount, rebate, credit, deferred payment, post dated check, or promissory not to the supplier or contractor. The next Billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney in fact by the consumer to receive any credit on the consumer behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors are assumed to be a willful intent to mislead me the consumer and or to deceive me the consumer of the character/ amount of the alleged debt pursuant to 15 USC 1692e. All obligations and securities are owed to the United States Pursuant to 18 USC 8. DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.

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 2021-08-22
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:
On XX/XX/2021 I sent out a letter to XXXX XXXXXXXX XXXX XXXX to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is 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 2022-08-10
Company: EQUIFAX, INC.
State: NC
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which Equifax, XXXX and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I sent out a letter to XXXX XXXX  XXXX XXXX to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is 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 2022-02-12
Company: LEXISNEXIS
State: IN
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 XXXX XXXX is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: IN
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 XXXX , is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Consumer Portfolio Services, has failed to provide me with appropriate information about this account. They have failed to provide me with the original instrument of in-debtness. They have also, failed to validate this debt. They have also violated 15USC1666 ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: FL
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 am writing to you because you are my last attempt as I can not understand why unknown accounts are in my credit profile? These accounts are not related to me or to any my transactions I do not know the at all. I do not recognize them at all I just assume that this is a big mistake or someone made a fraud and used my personal information. However I do not want to this mistakes in my profile. Please delete them ASAP because everyday I am loosing a lot of money because of their existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX on the cusp of time to pay my XXXX house payment, I was transferred to BSI Financial ( not my choice- but the ridiculous way things happen to individuals by big business ). I was informed by prior mortgage company not BSI. I attempted to pay my mortgage to new company as instructed - but BSI did not have records ready for me to do so. It took more than one hour on phone to get that straight. Reason provided was that BSI had taken on many transfers. That should not be the consumers problem!. My loan is set up to escrow taxes and insurance and for mortgage company to remit. My insurance premium was due XX/XX/XXXX and once again I had to take my time to facilitate what should have been a seamless transaction by BSI. They paid the premium late!!! This has never happened in my decades of home ownership. Taxes were due no later than XX/XX/XXXX. Once again I had to wait on hold to the ONLY phone number provided by BSI and was promised about 10 days prior to XX/XX/XXXX that the taxes would be paid. THIS DID NOT HAPPEN. Another call week on XX/XX/XXXX to BSI - XXXX minutes on hold at ONLY PHONE NUMBER - only to be told they are busy! I am busy too and should not have to monitor a mortgage company. Was told AGAIN that this would be resolved and I would hear by XXXX XX/XX/XXXX. Of course no phone call and no tax payment and late fees have now been incurred. These people are horrible. I want resolution and do not know where to turn. Considering filing a breach of contract suit. Please help me and please place sanctions on this terrible establisment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or around XX/XX/XXXX or XX/XX/XXXX I think not percent sure but I went to MG Credit here in my city of XXXX FL and I spoke to a XXXX XXXX male, at a house where when I walked in there were dogs running around so I 'm not sure if they were a business or not.But I saw a new debt on my credit report regarding a gym membership and announced who I was and that I may know about debt but was n't sure.i ask if I can pay for delete and get a letter before I make some kind of payment but he insisted that I pay first then he would give me a letter and delete information.It sounded sketchy so I left.As I walked out of door I also thought to myself that they never sent information in the mail nor validate the debt showing that I 'm obligated to pay MG Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
After paying for a monthly service through Experian, there have been two additional collections accounts placed on my credit report. I do not owe the money which has been added to the report and a credit lock, fraud alert has been in place for several years. The most recent fraud alert was added this month. Someone in XXXX, Florida has added a {$200.00} consultation fee to my credit report twice. The collection is not my account, and I have not received any consultations in XXXX Florida. When calling the number listed at the Experian website several times, there was no answer. When accessing the online account there was again, no access allowed to dispute the added collection. The monthly fee has already been paid and was about {$25.00} per month last couple of months service fees.

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 2018-01-01
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over the past few I been dealing with a company in XXXX Florida MG Credit.They have placed negative information on my credit reports and I been disputing a account from XXXX XXXX.I never received a letter from MG Credit stating that Im obligated to pay them nor they sent proof of debt.The credit bureaus deleted this information a while back but the account was placed back on my account with no validation of debt.To this day they have n't presented any proof that I owe this debt of {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian on numerous accounts asking for verification on items that they are showing on my credit file. Repeatedly, they send back the same generic XXXX  response with no validation of my findings.The FCRA requires all CRAs to VERIFY all information received from the creditors BEFORE adding them to your credit file but since it will be time-consuming and costly, they are taking the shortcut by doing everything electronically which is not how the FCRA says it should be done. To help you know exactly where in the Fair Credit Reporting Act it says the Credit Reporting Agencies must provide copies of your signed documents that verifies the accuracy of your accounts in their files, CRAs are supposed to be in 100 % compliance with the law. I just received a new report from Experian showing the same erroneous items brought to their attention before. I have attached it as a document for verification. They need to be fined and quit being XXXX by helping their inner circle. It 's the law to be fair and just.

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 2022-02-12
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2022 EXPERIAN DELETED AND INACCURATE FRAUDULENT ACCOUNT. THIS INACCURATE ACCOUNT HAS REAPPEARED ON MY CONSUMER REPORT WITHOUT ME BEING NOTIFIED WITHIN A 5 DAY TIME PERIOD PURSUANT TO 15 USC 1681i ( 5 ) ( B ) ( i ) ( ii ) THIS IS AGAINST THE LAW! I ALSO KNOW ANY TRANSACTION THAT IS HELD BETWEEN MYSELF AND THE PERSON SHALL BE EXCLUDED FROM MY REPORT PURSUANT TO 15 USC 1681a ( 2 ) ( i ) I NEVER GAVE EXPERIAN PERMISSIBLE PURPOSE TO REPORT THIS INFORMATION. IM UPSET BECAUSE THIS IS BRINGING DISHARMONY IN MY HOME AND CAUSING ME TO LOSE OUT ON EMPLOYMENT OPPORTUNITIES WITH MY LOCAL CAR DEALERSHIPS.

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 2021-02-15
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
This company has unverifiable and inaccurate information on my credit report that has significantly ruined my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: CITIBANK, N.A.
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:
There is a Hard Inquiry on XX/XX/19 from Citibank NA ( CBNA ) on my XXXX  credit report that I did not authorize. The unauthorized inquiry was for an Office Depot Credit line. I have filed a dispute with XXXX to have this inaccurate information removed from my credit file. I was a victim of ID theft in the past so I monitor my credit file regularly for any fraudulent activities. Thank you for your assistance with 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 explanation
Consumer complaint received 2021-03-10
Company: Navient Solutions, LLC.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I logged into my paypal account. I added an XXXX XXXX card and selected it as my primary form and default form of payment. I then sent my brother in law a gift on {$1200.00}. On XX/XX/XXXX in notice a insufficient fund fee to my bank account for {$29.00}. Paypal had switched my primary  payment from my XXXX XXXX card back to my bank account. I searched the paypal website for a method of stopping the payment, but could find no method. On XX/XX/XXXX I called paypal at ( XXXX ) XXXX and asked to switch the payment method back to XXXX XXXX card and stop from trying to withdraw from my bank account. The representative provided she could not stop the process and that they would try to withdraw funds from my bank account again. Once that was completed they would withdraw from my XXXX XXXX card. The representative stated she could see I had the XXXX XXXX set as my primary payment card when I submitted the payment and would send me a letter to provide to my bank to remove the fees. On XX/XX/XXXX they tried to withdraw the money again from my bank account resulting in another {$29.00} dollar fee. They billed my XXXX card instead of my XXXX XXXX. To date I have not received the letter the paypal rep stated was being sent. The process of sending a payment with paypal is absurd. It should be illegal for them not stopping the second withdraw against my bank account as per my request.

Company response to consumer: Closed with explanation