BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: ALLY FINANCIAL INC.
State: AZ
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:
I have been experiencing major hardships due to medical bills for my XXXX year old daughter. I am a single XXXX mother with no other monetary assistance except what I earn. My daughter has been in and out of the hospital  and I have been laid off work due to excessive absences because of her illnesses. 
In the course of this loan, I have given you {$3500.00} for my now repossessed car. I managed to pay this in spite of all of my difficulties. However, I can not at this time catch up my payments and I see that your fees continue to escalate. 
I am not currently in a position to pay off this loan and the loan payoff amount is more than what I originally bought the car for. This is a terrible hardship  for me and I have requested to have the loan canceled but can not speak to anyone " in charge '' at this " bank ''

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 2019-11-24
Company: Experian Information Solutions 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:
After providing Experian with information showing three accounts didn't belong to me they still refuse to remove them. This is getting very frustrating because i have provided documentation and they are still failing to remove these items. I have provided a police report stating XXXX and XXXX XXXX accounts were both opened by someone else and are results of identity theft. I have also provided information that XXXX XXXX XXXX have an address reporting on the account that i have never lived at. At this point if Experian continue to report these unverified accounts, I will have no choice but to take legal action. I will be using the complaints I have filed, along with all the documentation that I have already sent to the company.

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 2017-08-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been going through an uphill battle with Navient for a year now in regards to validating these student loans that appear under my ssn and partial name. They have refused to provide me with what i have requested. This leads me to the conclusion that they do Not have proper documentation to validate this accounts. Original signatures for all loans were not provided to me along with itemized account info and history to support these accounts. Navient has clearly went past their legal allotted timeframe to resolve my inquiries from 1 year ago. They simply keep providing me with incomplete photocopy signature of only half of the loans that are on my account. Furthermore, these accounts were said to have been paid off in full on the website under the login profile. They were paid by the XXXX XXXX XXXX yet you continue to peruse me for Double Payment. There is a lot of breaching of security and inaccurate, incomplete documentation that Navient is propagating at the expense of struggling srudents. We will not continue to be bullied. I will take this matter to the top until these accounts are removed as you have not validated them and they are adversely affecting my credit reports as they appear to have late payments which could not be substantiated by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX open dateXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
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:
I provided a letter from the courts indicating they do not verify or validate bankruptcy, yet Equifax keeps sending a notice to the CFPB indicating the bankruptcy has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original Creditor : Citibank NA Current Creditor : XXXX XXXXXXXX XXXX  XXXX In 2017 I was married and my then-spouse used my non-public personal information to open multiple credit cards, bank accounts, and other loans. One of these accounts was with Citibank Citi XXXX  card. I was not aware of the debt until he defaulted on the card. When it was discovered, I immediately notified Citi of the spousal identity theft. They sold the debt to XXXX XXXX which is who I am filing this complaint on. I have completed their fraud packet no less than 4 times which is identical each time. When they receive it from me along with all of my documentation, they send the debt to a new sub-contracted collection agency to attempt to collect the debt again. You can never speak to anyone directly at XXXX. They are ignoring my fraud/identity theft packet and continuing to attempt to collect a debt that is not mine. This has been going on 5 years now.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them. I am not a mortgage company nor am I a credit company,.

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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( Trans Union, XXXX, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.

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 2022-06-17
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent {$2000.00} via Zelle to my girlfriend 's account, from my FI ( XXXX XXXX XXXX XXXX ) to her bank ( XXXX  XXXX XXXX ), on Tuesday, XXXX XX/XX/2022. Currently, the funds have been removed from my account at XXXX, but have not shown up in her account ( XXXX  ). I have reached out to XXXX and Zelle, and she has reached out to XXXX. All three institutions are pointing fingers at each other, as to where the money currently is. She has incurred several overdraft fees due to monies that I/we expected would be available next business day, per Zelle 's marketing model. Our latest update is that the monies will be 'available ' in her account on Tuesday, as Zelle has set the transaction as an XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently became a XXXX XXXX leader along with another woman, and went to TCF bank XXXX XXXX XXXX # XXXX on XX/XX/2019 to have the existing XXXX XXXX XXXX  account transferred to myself and the other new leader and to have the former leaders removed from the account. We answered questions, showed ID, and filled out paperwork and were told at the branch that the retiring leaders had been removed and that myself and the other new leader were now the holders of the account. 

On XX/XX/XXXX and again on XX/XX/XXXX the former holder of the account, who is no longer an authorized user, received mail regarding the account. On XX/XX/XXXX XXXX called TCF at XXXX to advise them that they were sending mail to someone who is no longer an authorized user on the account. I spoke with " XXXX '' ( teller # XXXX ) who refused to update the address over the phone even after I stressed that by failing to do so they would be sending my financial information to an unauthorized third party. Because I work full time I will be unable to visit a branch in the near future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: AFNI 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: Information belongs to someone else

Complaint:
These account have been sold. I am no longer liable for the alleged. An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
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 been having the biggest issue with Carrington Mortgage. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to Carrington Mortgage. Carrington Mortgage charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. Carrington was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. Carrington mortgage keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
As part of an incentive to sign up for XXXX, I was mailed a {$300.00} pre-paid Visa card at the end of XX/XX/XXXX. I have since found that the card is serviced through " Prepaid Card Center '' and " Blackhawk Network '' on behalf of XXXX. Prior to the card being delivered to me, the card was stolen in the mail. I only found out that it was stolen once I received an evidence notification from XXXXXX/XX/XXXX Police Department, at which point I reached out to the card company to learn that the funds had been fraudulently spent. I was instructed to file a Cardholder Dispute Form with the Company, which I submitted on XX/XX/XXXX via email. This initial notice included the letter from the XXXXXX/XX/XXXX Police Department as further evidence that I was not involved with these charges. After not hearing a response, I revisited the card processor 's website and was notified that I now needed to submit a notarized affadavit. On XX/XX/XXXX I mailed a notarized affidavit, along with a copy of my original cardholder dispute form, the XXXXXX/XX/XXXXPolice letter, as well as the two United States Postal Inspection Service notices that I received. After again not hearing back or hearing a resolution on the matter, I have reached out several times to the Company. On subsequent phone calls, including the most recent one XX/XX/XXXX, I was notified that the forms and required information was received XX/XX/XXXX but that it was still " processing ''. It has now been over 90 days since this was started and the Company has failed to resolve these fraudulent charges and has failed to maintain even the slightest communication throughout this process.On the XX/XX/XXXX call, I was informed by " XXXX '' that his supervisor had allowed for an exception to be made to fund the account the disputed balance, with funding expected " within the next ten minutes ''. I then went to log back onto the website to find that my card had been blocked and that I was no longer able to log into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 a customer made a purchase in the amount of {$7400.00} for no explained reason Square merchant services has not transferred these funds into my business bank account.At the same time Square has not provided any credible reason as to why this money transfer has not transpired.Square requested documentation which was submitted on XXXX.Even after these documents were submitted Square has failed to move forward with the transfer and has also failed to communicate with me as to the reasoning for the delay of said funds transfer. I have made multiple attempts to contact Square to get an understanding of what's going on with the funds transfer and the closure of the account. I provide Square with access and Log-in information to my account to verify my account through their system.I believe this to be unusual practices with no justifiable reason for the holding of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My complaint is regarding a merchant dispute in the amount {$510.00} with Chase Bank. The merchant " XXXX XXXX '' per her contract agreed to and engagement shoot and wedding photos for a total of {$1700.00}. In early XXXX, I gave her the deposit in the amount of {$510.00}. Per her contract we agreed on the location for the wedding photos and via email we agreed on the location of the engagement shoot at XXXX XXXX  on XX/XX/19. Three days before we were set to shoot the engagement pictures, the merchant advised me that she could no longer shoot at the location I requested. I was not satisfied with her response because this is a once in a lifetime opportunity for me and I wanted my pictures at a certain location. After going back and forth with the merchant, she was not willing to accommodate me, I asked for a refund to which she refused. I contacted Chase bank to open a merchant dispute, when the dispute was filed the person filed the dispute as services not received. When I received the response from Chase, in their investigation they stated that I did receive service, when I did not. After providing the documents and attempting to escalate via Chase Bank I have been unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have started receiving excessive collection calls from Portfolio Recovery Services. They used to call and state that they were calling on a recorded line and ask for me. When I identified myself they stated who they were calling from. Now the last several times that they call they ask for me and then state my address and ask if that is correct without identifying themselves. When I ask who is calling they state that it's a personal issue and will not identify themselves. I spoke with a supervisor approx 2 weeks ago after the representative that called became rude when I told them that I had no disposable earnings and that I have told them that several times. The Supervisor that I spoke with ; I have XXXX ( now they tell me there is no XXXX there ) went so far as to harass me about how much money I make, why I can't make a payment or why I haven't been able to make a payment. Since then I have received calls more than once a week. I have told them on a number of occasions that they are now harassing me and to please stop. The last call received was XXXX XXXX  today. Unfortunately I do not have any names as they will not disclose their names. This is putting undo stress on me. I also have a medical condition in which I am supposed to avoid stressful situations. I am working diligently on resolving my past due debt and these type of harassing phone calls doesn't help.

Company response to consumer: Closed with non-monetary relief