BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: WV
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:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit fil

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX/Company has never communicated via phone, mail, or email that I have ever owed them a debt. This debt has been placed for collections and has been reporting to all 3 credit bureaus. I have no knowledge of this debt. Also upon further investigation, the state of North Carolina requires collection agencies to be registered with the Secretary of State. XXXX XXXX XXXX is not licensed to do business in North Carolina. Their current status is WITHDRAWN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SOUTHERN OREGON CREDIT SERVICE repeatedly called me refusing to identity who they were or what the call was regarding. They attempted to collect information from me without first identifying themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo had took money out of my account. I get money from Social Security so now Im unable to pay my bills because of this transaction. They refuse to give me information as to why they are taking money from my account. I need that money back so I can said bills.

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 2018-01-15
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Ally auto is a fraud company that was charging XXXX XXXX the highest interest rate without even checking there credit score. Also reporting inaccurate information to the credit report company. My car is currently totaled out and on my credit report its showing that the car is repossessed. I have contacted them to change it yet they have n't. Also I got the car reappraised and their refusing to accept the new estimate. My car is still showing the high interest rate on my car.

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 2021-03-09
Company: AMERICAN EXPRESS COMPANY
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 AMEX agency. I received an inactive card and do not want to reissue it. I am kindly requesting AMEX agency to remove this account from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Bank is an online bank with no brick and mortar locations. The only way to get live customer service is their phone line. Seniors are hanging up and the most basic banking needs are not being fulfilled. Online banks need to be held to a higher level of access. Ally bank is failing their customers, please intervene. 
Wait to speak to an agent at Ally Bank : XX/XX/XXXX 1 hour 05 min XX/XX/XXXX 1 hour 34 min XX/XX/XXXX 1 hour 29 min XX/XX/XXXX 45 min XX/XX/XXXX 1 hour 23 min XX/XX/XXXX 49 minutes

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 2018-03-18
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:
I was a victim of identity theft, someone applied for an XXXX credit card at XXXX XXXX. Now i have a fraudulent hard inquiry in my credit report, i ask TransUnion to remove it but they refused. I received a letter from XXXX XXXX letting me know, they ask TransUnion to removed the fraudulent hard inquiry from my credit report but nothing has changed yet. Im very frustrated, this is a very serious matter and TransUnion is not willing to help. Please remove XXXX/XXXX XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Bread Financial Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From Comenity Bank ( XXXX XXXX ) Creditor Repetitious calls every 2 hours ; From both XXXX & XXXX I explained my financial situation months back, and tried to pay this off, now with the interest and late fee 's I am unable to ever pay it off, my daughter was helping and she is now XXXX and we are unable to pay this off, i was going to try to send {$10.00} a month or so if they would go back to the original bill for me, however they only agreed to $ XXXX/monthly payments. I gave up and they have been calling relentlessly without leaving any messages even on Saturdays! Here is only one Example ; Friday XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX I have an answering machine, I am XXXX and no messages left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: CarMax, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have issues with carmax auto finance. I am current with my payments now and they have shown improvement in my report with XXXX but I was under the impression they remove negative credit report when reason no longer applies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: RGS Financial, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice from XXXX that a new debt placed on my reports. I looked it up and checked my mail. I never received a notice via mail or otherwise in reference to this debt from the,. I disputed this debt with another company and it was removed from my report. Now it has been placed on their again by another company. I am officially disputing agin.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BB & T charged me 5 overdraft fees in the last week, one on a {$10.00} item. I understand some of them, but there has to be common sense you can not charge 3 times the withdraw in fees. They even charged me when my direct deposit was showing in the account status.

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 2022-01-12
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Related to CFPB Complaint # XXXX - I'm not sure why you closed it as the issue is still not resolved. 

The response New Rez provided to you was an outright lie. Per XXXX XXXX XXXXXXXX XXXX New Rez never contacted them to authorize refund of the tax overpayment be sent directly back to me. 

I spoke with XXXX XXXX today and they informed me the overpayment was refunded back to New Rez in XX/XX/2021, however I have not received my refund check. They currently owe me {$4400.00}. I have left numerous voicemails and sent messages to New Rez and have had no response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theres a collection on my credit report from the collection agency named Calvary Portfolio Services opened on XX/XX/2014. They are attempting to collect a debt in the amount of {$420.00}. I do not have any type of contract nor agreement with them, therefore they are not allowed to attempt to collect a debt that is not owed. Ive tried resolving this problem before, but a resolution was not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid thisXX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :

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 2018-01-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, XXXX I transferred XXXX $ ( two deposits of XXXX , one was as purchase of bitcoins and the other as USD ) from my XXXX XXXX XXXX checking account to Coinbase. The fund was made available to my Coinbase account on XXXX XXXX, XXXX, but I decided to transfer it back to my checking account. I made two transfers from my Coinbase wallet to my bank account. The first one processed, but the second one of XXXX $ was cancelled by their system and supposedly returned as Coinbase fund. As of XXXX, XXXX XXXX, the XXXX $ is neither in my checking account nor available as fund on Coinbase.

I contacted support many times, but the only time I got a reply was a message that had nothing to do with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Certegy Holdings, LLC
State: MT
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 2019-04-19
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Through my financial institution 's bill pay, I mistakenly sent a Discover Credit Card payment to an old Discover Student Loans account that was paid off. This was made on XX/XX/19, and as of today I still have not received a refund. Discover Student Loans recognized the payment, and stated that someone from their accounting department would be contacting me. I've heard absolutely nothing. They were unable to move the payment to my Discover Card, and now seem unable to refund it back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
This letter is to dispute a Atm error on my account in the amount of {$740.00}. The amount is inaccurate because the ATM didnt dispense any funds. The transaction is ATM Withdrawal ( Transaction ID : XXXX ) XXXX/XXXX/17 is the date of the transaction. The amount is {$740.00}. I requested {$740.00} but didnt receive any cash. Please correct this ATM error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am making a complaint against this collector for reporting an inaccurate information on my credit report and this collector failed to respond to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: NCB Management Services Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling my phone 15 times a day every day no message Ncb management corporation XXXX XXXX XXXX Are not supposed to be able to call phone that many times with new law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car payment is due on the XXXX of every month. It 's handled 100 % electronically. I do n't receive paper statements. 

On XXXX XXXX, XXXX, I went online to the GMFinancial website to make my payment. There was a message that the site was down for maintenance. 

The following Monday I attempted to call and got a recorded message that the customer service department was closed while systems were being updated. 

I attempted to go online and to call every day. 

Today, XXXX XXXX, the site went live again and GMFinancial is charging me {$220.00} in late fees ( on a {$380.00} payment ). 

The payment was n't made because all of their systems were unavailable. The onus for any lateness in on them - I made every effort to make my payment on time and their system would n't allow it. 

Additionally, I question why a late fee would be 60 % of the regular monthly payment. 

During the time I 've had this account every payment has been made on time and every payment has been for more than the minimum payment due. 

I do n't know if this is sloppy business or an intentional attempt to defraud me. 

I request your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to have Helvey and Associates fix the date of first delinquency on my credit reports and they continue to provide standard responses to my request, stating there is nothing new to review. This will be the final attempt before taking further action. The Consumer Law states the date of first delinquency also known as the DOFD is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. This is the date also used for State Statue of Limitations. Helvey has provided spreadsheets showing my last date of payment is XX/XX/2013. They have reaged this date and by further admittance in the XXXX XXXX report and have admitted they are using a date of disconnection, which reages the account out an additional year on my credit report. This is listed as unfair practices according to the FCRA which not only can they be fined for, I could sue them for a lot more money then they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Alliant Capital Management LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Numerous calls to my place of employment by a " Collection Agency '' named Alliant Capital or something like that. Telephone # XXXX. After getting numerous messages from co-workers stating that a " XXXX XXXX '' was looking for me, I decided to call the number back to see what it was concerning. I got a hold of a man ( do not remember his name ) who was extremely rude, was acting smart and mocking me, acting like it was a joke when I asked to provide me with proof and validation of the debt I " owe ''. Stated he would send me a letter from the company stating what I owe ( in excess of 2k ). I again asked for documents ( signatures, contract, etc ) supporting the debt owed he proceeded to laugh and say good luck. I then asked to stop calling since the number being called was my work number he laughed and said we will continue to call, I then said this is a request to cease and desist any further calls and he said I had to send it in writing and that until then, the calls would continue. 
I expect this company to NEVER contact me again.

Company response to consumer: Closed with explanation