BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Porsche Financial Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I opened an account with this company XX/XX/XXXX for {$93000.00}. The vehicle was a XXXX XXXX XXXX. The monthly payments were {$2300.00}. During the time possession of the car I got sick with XXXX XXXX in XX/XX/XXXX. I was hospitalized and was unable to continue to make payments on the car. I spoke with a Rep from the company and asked for a lower monthly due to being laid off from work. I was denied aide with the vehicle cost and was told that I was gon na have to go on the repossession list. At that time i was XXXX days late. The rep told me it would be on the XXXX day. A few weeks later I was able to return home and my vehicle was gone from the property

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX/XXXX/XXXX I went to store Best Buy XXXX and salesperson name XXXX  pressure to check if i am eligible for store credit card and then took all my information and few minutes later announced that i approved for a credit card. When i told him that i do n't want credit card he replied t now it too late and I absolutely have accepted it. My response was I do n't want to accept it and he replied then what will happened in a future if at some point I will decide to open card they just do n't let me open card. 

This is similar to XXXX XXXX crimes.

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Balance Owed : {$200.00} Collection XXXX XXXX  XXXX Balance Owed : {$0.00} Charge off These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2018-09-24
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class XXXX claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class XXXX ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted Ally Financial multiple times about my timely payments that have not been reported since XXXX of XXXX. Additionally, my vehicle was involved in an auto accident where the other individual left the scene and the car was totaled. As a result, my insurer, XXXX, paid roughly {$16000.00} towards my car loan. That balance has not been reported either and it has been about 2 months since XXXX paid Ally Financial. I am upset because Ally Financial prioritizes reporting payments if late, but when payments are made on time, the same priority is not carried over. Therefore, the information they are reporting is not representative of my payment history and thus unfair and in violation of the Fair Credit Reporting Act. I have contacted Ally Financial about three times ; the first individual explained that it was a technical issue that was being worked on, the second individual gave me a case number ( XXXX ), and the third individual could not even comprehend my issue and gave me responses that did not make sense. Additionally the third individual I spoke to on XX/XX/XXXX said another representative from the company would be calling me back in a few days to discuss my issue ... it is now XX/XX/XXXX and I have not received a call concerning the issue. I am escalating this primarily because it impacts my credit worthiness and I need to replace my car as well as go for other credit. Hence, the $ 19,000+ that is currently shown by the credit bureaus could have an adverse effect on any lending considerations. Ally Financial has blatantly failed to show concern for my issue and has amplified that with their inaction. They prioritize calling me everyday to make sure my final {$300.00} dollar payment is made, but provide zero mention of my issue with the company. Once again, if it was a late payment, Ally Financial would waste absolutely no time updating the credit bureaus with the most current data. Therefore, if the Ally Financial is going to report late payments, Ally Financial is also obligated to report timely payments ... or not report at all. The fact that it has been almost 6 months without a single report is absolutely unacceptable.

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 2021-02-09
Company: Experian Information Solutions Inc.
State: TX
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:
See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady at XXXX XXXX XXXX President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX XXXX will, as usual, label this complaint as a duplicate. I am relying upon Experian and XXXX to answer this complaint..

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 2021-02-09
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An account with AmeriFinancial Solutions showed up on my credit report for an account with XXXX XXXX XXXX XXXX XXXX. I sent a letter via certified mail to AmeriFinancial Solutions which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have not received anything. This account is still reporting on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
In accordance with the fair credit reporting act : XXXX XXXX  - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-02-09
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've applied for a refinance loan through XXXX XXXX at an interest rate of 2.75 %. After all the paperwork had been submitted ( sometimes twice ) they moved from XXXX XXXX  to XXXX XXXX which required more information further delaying the process. During this time the interest rate dropped to 2.5 % and per the XXXX  policy, if the consumer contacts them to acknowledge the drop in interest rate, XXXX  is obligated to lock in the lower rate. During the week of XX/XX/XXXX I contacted one of the people working on my loan to alert them of the lower rate and on their recorded line, they confirmed that they my rate was now locked at 2.5 %. I either spoke to XXXX XXXX, XXXX XXXX or XXXX XXXX all of whom were working on my loan. The only thing left was to complete an appraisal on my home which was scheduled for XX/XX/XXXX. During this time interest rates began to increase once again, currently at 2.875 % The appraisal was conducted on schedule completing XXXX requirements. A few days later I was contacted by XXXX XXXX who told me that XXXX XXXX had been sold to Guaranteed Rate out of XXXX IL. and that there was a chance that I may lose the 2.5 % interest rate that XXXX  had previously committed to on a recorded phone line. I was asked to wait for a week while they sort things out which I did. When I reached back out XXXX XXXX to ask what was going to happen he told me that Guaranteed Rate would NOT hold the interest rate that XXXX  had previously committed to and that it would be at the new higher rate. 
I find this to be a breach of verbal contract. I've submitted everything that they required of me in good faith in return for a financial product that they committed to prior to the change of ownership of their company. The obvious solution during a transfer of ownership would be to honor any applications in process, especially those that have nearly been completed and go forward with current market conditions thereafter. 
As a consumer, we are required to sign all sorts of legal binding documents that protect the lender but where are our protections as a consumer when it comes to commitments made to us. I'm hoping the Consumer Financial Protection Bureau can intervene here to cause XXXX XXXX, now Guaranteed Rate, to operate in an ethical business manner and fulfill their committed obligations. 
The loan number they issued for this application is # XXXX and XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: FL
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:
Equifax, XXXX XXXX, XXXX, I am a victim of identity theft I never gave consent for consumer reporting please remove all reports on Credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CITIBANK, N.A.
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
Citi Best Buy has failed to readjust the minimum amount since the previous months minimum amounts were due to fraud charges taken my balance higher than it should of been. They have failed to readjust the minimum amount and give a credit for the amounts overpaid the last few months. Additionally my online access is blocked partially. I have repeatedly talked them about these matters with no resolution as of yet. Still waiting on the new card as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I make bi - weekly payments. I have been paid 1 month ahead since XXXX of XXXX. They are now trying to debt collect me showing I am late in XXXX when I in fact a already paying towards my XX/XX/XXXX payment. The last statement they had correct was in XXXX. They are constantly XXXX XXXX  my account. WHY WILL NOBODY DO ANYTHING ABOUT THIS FRAUD?????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2018 : After applying for a {$45000.00} Line of Credit through TD bank online, I was assigned a Loan Processor who I exchanged many emails with prior to committing to the LOC. In these emails, I was given the terms of the loan, as well as the repay back periods, and my monthly payment if I used the entire LOC. They were explained as follows : " Good Afternoon, the line of credit has a 20 year term. During the 1st 10 years you are paying back interest only, then during the next 10 years you pay principle and interest. 

If you use the entire line, your monthly payment for the first ten years would be {$410.00} '' After numerous other email exchanges, based on the terms stated above, I proceeded with the LOC ; in order to be approved for closing, I had to put in writing via email, which I did, " We agree to the terms of this loan ''. The terms provided above. 

We closed on our loan at our local bank branch, and verified the terms via email. We signed and closed. 

I received my first statement in the mail, and with my surprise after only using XXXX of the line, my minimum monthly payment states {$590.00} ( principal and interest ) After numerous phone calls to representatives, I was handed off several times, I was informed the terms I was given, and consented to, in the email were incorrect, and that she made a 'typo '. And that I am actually responsible for paying 2 % of the line balance every month, and even though it is a 20 year term, that it would never actually get to 20 years or even 10 for that  matter. 

I went from being told " we may have to honor those terms '' to being told that this was a typo, and there's nothing we can do since the paperwork is signed and complete. 

l was extremely misled, the 'correct ' terms were NEVER disclosed to me via email or at settlement ; I signed under false pretenses based on what I believed to be accurate information from bank representatives. 


I can provide all email exchanges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: SLM CORPORATION
State: MO
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:
The student loan servicer, Sallie Mae, was not willing to work with me. I would state that I was making {$420.00} a month due to just recently graduating from my certification program and still looking for a job within my field. I would state countless times throughout the summer of 2022 the status of my employment and interview processes that I was going through and would receive conflicting reassurance because with every call I had to restate the entire update because they never updated or left notes on my account. I would state I can pay this amount and respond with you're not willing to pay and hang up on me countless times. After finally getting a decent paying job I told them this is how much I can afford to pay you guys and they said yes and next thing you know they dont my report and co signers reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: Greene & Cooper Collections LLC
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was in Bankruptcy in XXXX, XX/XX/XXXX received a letter from Green & Cooper that I had a balance with XXXX XXXX XXXX now, XXXX for a balance of {$35000.00} with no backup data. Received Order of Wage Garnishment XXXX, XXXX. My records currently show I paid {$16000.00} from XX/XX/XXXX through XX/XX/XXXX and total of {$12000.00} from Wage Garnishment for a grand total of {$28000.00}, but I can't get anyone to respond with the details. As of today, I show the balance to be roughly {$7500.00}, but this is also with interest from XXXX through XXXX with no notification from the lender until XX/XX/XXXX. 

Greene & Cooper File Number is XXXX, phone number XXXX. 

Any assistance you can provide would be greatly appreciate. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response