BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: ALLY FINANCIAL INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the company Ally financial repossessed my car. They gave me a set number of days to pay of the overdue balance and get my car back. the total amount due was approx {$1200.00}. 
i paid them {$750.00} and was to pay off the balance with them after they confirmed that i should pay the balance off the upcoming friday. they confirmed the vehicles location and that i could go get it then. they confirmed the car was at the tow yard. 

on the repayment day, Ally through their towing company had already SOLD my car even when they asked me for the {$750.00} payment. the car had been sold few days into the repossession by the towing company at about 1/3 the fair market value rate. 

ally is now demanding {$5600.00} even after all my deposit and monthly payments i had made for 2 and half years on the car. the loan total was {$11000.00}. the {$750.00} payment that i made they did not even include it in the final tally. they lied that the car was at the tow yard when in fact they had already sold the car for a throwaway price. 

they sold my XXXX  XXXX XXXX XXXX  for 1/4 -1/3 the current fair market value at time of repossession. 

these people stole my payment and used the tow company to sell the car cheap quickly to a friend for a low price then still demand XXXX $ from me and take me and my cosigner to collections. they are criminals why accept a payment after they had already sold the car and lie to me that the car was at the tow yard. they have then come up with this figure and reported it to my credit.

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 2019-08-09
Company: EQUIFAX, INC.
State: AZ
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: AL
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:
Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX XXXX XXXX XXXX on XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/17, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur., {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XXXX/XXXX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. Equifax, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. Equifax, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: MD
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$2300.00}

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 explanation
Consumer complaint received 2023-06-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: ERC
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hit a brick wall in my attempt to establish a contractual duty of my person to ERC COLLECTIONS. Moreover, with the intention to case harm, the entity is knowingly damaging my public reputation by reporting inaccurate and or falsified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I saw an ad on XXXX for a website called XXXX  XXXX. Had many good deals on this site and was for a VERY reasonable price. I went on the site placed an order and gave my card number for the purchase of almost {$400.00}. After the payment went through I noticed really quickly that there was no confirmation number. I thought maybe i didn't charge my cardm I immediately checked my account on the card holder website and sure enough it went through, said payment on hold. I immediately searched the website to check for website being a scam website and it was. I immediately called the card holder customer line to have them stop transaction immediately but was on hold for over 3 hrs. Couldn't get through, and no option on cardholder account website to cancel payment so I Immediately froze my card. Days went by while still trying to get through to customer service, waited 5hrs and finally got a live person told them the issue they said I needed to get ahold of the claims department, and said they could not stop the payment. She transferred me over to the claims dept and I waited for 2 more hrs. Finally a representative came online and said that the line I just called was the wrong line, she didn't know I was transferred over. So I asked for the claims number she gave me XXXX XXXX number. I was angry at that point. I tried again the next day same hold time same exact problem but this time the customer service agent hung up on me after waiting hours. Time went on and I finally got through to the claims department taking me almost 6 hrs to talk to them. They said they would contact me I n two days and never did. I called back waited for hours again, but when someone answered, he wanted my card number for security purposes and I asked if there was another way to verify it was me because I didn't have my card with me right then, he then pretended to no understand what I was saying and then transferred me over to the line I just called to wait another hour again ... I'm upset that I can't get through and I don't know what it is they are investigating through this claim process. I'm broke I want my money back and I'm never doing business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, 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:
Somebody has access to my credit report and I don't know who they are but they are trying to keep me from getting credit, I have been fighting this for years now and I am tired, my score keep changing, if thou someone is watching my credit on purpose to drop my score it has gone down in just XXXX days all three credit bureau, what can I do about this, if they have access to my computer, are my XXXX number what please someone help me I can not move forward of this I can not get a place to live, its not fair. Who is trying to hold me down, and for what?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During COVID XXXX of 2020 we were told that there was a 6 month relief period. Since then our balance doesnt make sense, we went to Wells Fargo XXXX discuss and the banker couldnt explain the discrepancy to us. Now there is information on a second mortgage which we didnt agree on.

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 2017-09-21
Company: EQUIFAX, INC.
State: IL
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 has exhibited unacceptable negligence in collecting my personal credit information, allowing access to my credit information and securing that information from mis-use. Equifax collected critical information without my express consent then through inadequate security measures enabled that information to become accessible to others without my express consent. I believe I have the right to deny them access to, storage of and distribution of all information about me because of this breach. Their site does not allow me to demand the deletion of my personal information from their databases or allow me to expressly deny them future access to anything related to my personal or credit-related information. I demand all personal and credit-related information be deleted from their access now and forever, immediately and without further debate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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 status incorrect

Complaint:
My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website 3 XX/XX/XXXX Money Order # XXXX 4 XX/XX/XXXX Money Order # XXXX 5 XX/XX/XXXX Money Order # XXXX 6 XX/XX/XXXX Money Order # XXXX 7 XX/XX/XXXX Money Order # XXXX 8 XX/XX/XXXX Money Order # XXXX 9 XX/XX/XXXX Money Order # XXXX 10 XX/XX/XXXX Money Order # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
My credit report shows a deduction in my credit score by XXXX, I did it pay off off early to reduce the impact and I had some refunds also pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
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: Reporting company used your report improperly

Complaint:
I wrote a letter to Equifax, XXXX and XXXX dated XX/XX/2018 informing that there is negative report by North Carolina Bankruptcy Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but neither three credit bureaus addressed this dispute. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to Equifax. However, XXXX and XXXX also received the same letter, dated the same as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: NY
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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Old information reappears or never goes away

Complaint:
Lates from XXXX and XXXX from XXXX XXXX. These lates were added 30 days ago and are incorrect. I have not missed a payment nor been late within the last 7 years. If there is proof please provide proof where this was paid late. Please do not verify this by word of mouth. I want documents, I will be filing a complaint with the cfpb immediately. These lates were not present for 60 days therefore they never existed.

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 2018-04-05
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX XXXX informing me that my homeowners insurance policy had not been paid. It was due XX/XX/XXXX in the amount of {$780.00}. I immediately contacted RoundPoint Mortgage ( RPM ) and the representative informed me that the check would be sent to XXXX XXXX overnight. Friday XX/XX/XXXX I called XXXX XXXX to verify that the payment had been received and was notified that they had not received a payment. I call back to RPM and was assured that the payment was sent overnight to XXXX XXXX and if they had not received it by Monday XX/XX/XXXX to call back. I called XXXX XXXX XX/XX/XXXX and still had yet to receive a payment. I again called XXXX and was informed that a check had never been sent and it is not their company 's policy to overnight payments. The rep then informed me that they will request it to be sent and she would call me back with the check number. I never received a call back.I have called back each day since then to retrieve the check number and I have been given a different story each time. One rep told me that the money was electronically sent to XXXX XXXX. Another rep told me that they talked to XXXX XXXX and was given an additional 30 day grace period. As of today the payment still ha not been received by XXXX XXXX and my insurance is scheduled to cancel today at 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 2018-09-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX of 2018 reached out to Navient student loans to claim financial hardship and have my loans lowered for as long as they would allow. Send all documentation to them and was approved, same day, for a payment of {$370.00}. My usual payment was {$540.00}. At this time I was told I need to sign up for automatic payments which I agreed to come out the XXXX of each month. XX/XX/XXXX the first payment came out for {$370.00} but with a remaining owed balance of {$170.00}. When I called in I spoke with someone who told me that once the payment clears the amount would default to the {$370.00} for a year as I was told in XXXX. This did not happen. As of today, XX/XX/18, my account is showing past due for {$170.00} and owing {$540.00} due in XXXX. When I called in I spoke with 2 agents and finally a manager.  They all spoke to me as this issue was my problem and simply stated that I was told the incorrect amount for the program and I needed to pay {$75.00} to bring the amount current for a total program amount of {$440.00}. When I asked why Im not able to pay {$370.00} they respected very rudely that I wasnt approved for the amount because I made no payment of {$370.00} in XXXX to secure that agreement. I paid {$540.00} in XXXX PRIOR to my due date as I always have. Both agents and the manager continued to speak over me, wouldnt give me any information in a letter or statement and said they promise the payment would be {$440.00} going forward. When I asked for a statement declaring this they said to look in the mail some time in XXXX. Nothing further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: V and H Portfolio
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Vance and Huffman LLC said that they would remove my account from my credit report if settled account to XXXX  balance which I did and its still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America Preferred Visa Card Dispute Department not assisting with dispute of partial charge {$220.00} of total of {$1.00}, XXXX. 

After several days after purchase date XX/XX/18 called Bank of America Preferred Visa Card Dispute Department and provided all details and needed facts and evidence provided. Charge was reversed and no follow up request from Bank of America Visa Card Dispute Department until letter received ( on XX/XX/18 ) and requesting copy of receipt instantly with demand ( by Dispute Department ) of receipt within 72 hours. Because of request to speak to supervisor about additional question was placed on hold for extended period of time- with out specking to supervisor find out if other inf. was needed.

Receipt of transaction was faxed to requested fax number same date of receipt of letter from Dispute Department ( XX/XX/18 ), with detailed description of disputed amount. 

XX/XX/18 Received letter from Visa Card Dispute Department making claim that the copy of receipt was not received. 

XX/XX/18 Called Bank of America credit card services and was told fax was received. 

XX/XX/18 Called Bank of America credit card dispute services to confirm receipt a second time and was informed that I need to go back to merchant.

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