BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Yes I called ally bank about getting exstention on car loan. They approved me no problem. I'm on XXXX ssdi going thru hardship due too bills and health issues. So the guy told me I need too upfront before XXXX XXXX. I just for XXXX sent in XXXX regular car payment. He told me the XXXX what they charge for exstention. I told the guy this is nuts. For people struggling they should not do a charge like that. That's lol more than my car payment. And he said it's extension for 2months??? How's that. If I pay XXXX for XXXX. He said my due payment is XX/XX/XXXX??? Makes no sense that's not 2months exstention. Should be next payment XX/XX/XXXX. Not XX/XX/XXXX. In future will go different finance place. I also told him too gave finance get back too me. See if can put money back of contract

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 2017-12-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.

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 2020-05-27
Company: Ingo Money, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
Ok so I deposited my work check of a total of XXXX , and I dont know exactly where that money went at all I wanted to know where all of that money went that I deposited into my account. When I try to cash my check again it isnt letting me at all. I needed them to reverse the payment on my check because my check says its been cashed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wasnt unable to transfer money from my savings to checkings to make purchases and after speaking with chase banks chief executive officer and other employees they disclosed to me that I couldnt do nothing but withdraw XXXX and wait till tomorrow after several people agreed to raised the limit on my savings account withdrawal from XXXX to XXXX to help me with the transaction I then was told that can only happen with checkings account because my savings account money isnt FDIC insured and on all levels of banking this is something they cant do anything about this so in result Im having to pay out of network fees and still not able to use money that I put into my own account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18
Company: ONLINE Information Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX from OnLine Information Services. They state that I owe {$760.00} to a creditor named XXXX XXXX XXXX  for services of XX/XX/XXXX. 

I did use medical services on or about that date. However, I never received a bill or statement from XXXX XXXXXXXX XXXX about any debt or past due debt. 

I sent OnLine Information Services a letter to meet the 30 day response time frame. I disputed the debt and told them I wanted an itemized statement of the charges and whether or not my health insurance covered the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, sent certified letter to Plus Four, Inc requesting validation of debts being reported to reporting agencies. 
XX/XX/2020, Plus Four, Inc sent a response stating they were unable to locate my account with the information provided and to provide account numbers for each entry on each agency 's report. 
XX/XX/2020 sent certified letter again to Plus Four, Inc with all account information as requested and requested validation of the debts being reported. 
No response from Plus Four, Inc was received. 
In XX/XX/2020, I received a notification from XXXX XXXX that the information had been deleted from my credit report and my score had increased. 
In XX/XX/2020, received notification from XXXX XXXX that my score had decreased due to updates on my credit reports. When I reviewed the details, I noticed that Plus Four, Inc had re-added these debts to my report, yet they had NOT provided validation as requested in my letter sent on XX/XX/2020. 
Additionally, they continuously adjust the amounts being reported, although in Nevada, I don't believe they are allowed to add interest to collection accounts. I have informed Plus Four, Inc that I do not recognize these debts and asked them to provide validation and they did not. They temporarily removed the entries, then later reported them again without complying with my original validation request, which I feel has violated my rights according to the FCRA. 
I am very frustrated with their tactics and reporting this incorrect information is having a substantial negative affect on my financial situation.

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 2017-08-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I '' m filing this complaint against Wells Fargo N.A. for failure to engage in loss Mitigation. I was under approve for a modification in or around XX/XX/XXXX shortly after I started making payments. I was forced to retire from my job and I apply for my Social Security, which gave me a big reduction in my income. Which caused me to default. Now Im facing foreclosure which was file on XX/XX/XXXX. I engaged help from a HUD train Housing Counselor to help me get my modification reinstated. After we contacted Wells Fargo to request that my modification be reinstated along with my Housing Counselor they refused to work with me claiming that my loan was under ligation. She explained to them that my loan was in foreclosure and still under to redemption period Im trying to save my home. They totally refuse. My housing Counselor explained to me that she involved in a civil suit with Wells Fargo and she believes that was the reason why they claiming I was involved as well. My counselor informs me to made the call myself. I made a second call on XX/XX/XXXX to Wells Fargo they were very persisting about not being able to help due to the ligation. Upon asking which ligation they were referring to they fail to answer. Well Fargo demand that I seek out a lawyer, once again I ask the same question why do I need to hire a lawyer for a modification. They reply by saying because of the alleged ligation Im supposed to be involve in. Them they proceed to demand who am Im working with. Since they refuse to give me information concerning this ligation I refuse to tell them who Im working with. I feel like they have violated my civil Rights they are discriminating me due to my housing counselor, yes! I want to keep my home. Please HELP

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 2019-04-12
Company: Credit Karma, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2018 I reported a dispute with XXXX on my account they never completed the dispute and they dont let me create another

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: IL
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:
I have a dispute with XXXX XXXX Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : XXXX # XXXX XXXX : XXXX XXXX Dispute Amount : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Southwest Stage Funding
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have put my home up for sale and the new buyers lender wants a copy of the title. I only owe {$4000.00} on the house. It is a Manufactured Home. I am having a problem getting the information and have been on the phone virtually everyday for the past 2 weeks with XXXX which apparently is part of Southwest Stage Funding XXXX. They are required by law to supply me with this information within 7 days and we are now approaching 20 days. I've been dealing with a very nice lady by the name of XXXX and she has tried very hard to try and get this information for me. She has even gotten her Director involve and yet still nothing. I am about to lose this sale as well as a job transfer in another state because of this problem. It is also a violation of lender law to inhibit the sale of a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is reporting very low credit scores to business places where Ive applied. I try to get in contact with them but there is NO POSSIBLE way. I downloaded their app where they advertise a free report online. I did so about a year ago also but it consistently would NOT ever work. And then I found out this XX/XX/2020 they reported a very low credit score.

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 2017-08-07
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCC Business Services, Inc with and address of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed up on my credit report in the amount of {$3300.00}. This is from an apartment I rented several years ago. I placed a first and last months deposit down. I moved out, gave proper notice and was never given my last months deposit back as a walk through was not scheduled. Now I have this on my credit report from a company I have never hear of. They have never called me, never sent me any formal notification of the debt, no contact or notice at all. I called them when I saw this on my credit report and I was provided a break down over the phone that I owed this money for carpet cleaning, fleas, rent and late fees. I requested that information be sent to me with a break down and description of what I was being charged so I could review it and try to contact the original rental company but NCC refused to provide me anything and said they could not provide me with any information. This is a bogus debt and I have disputed it on all XXXX bureaus just to have them come back and say it is not being removed. I do not understand how to resolve an issue that I ca n't even review documentation on. How can you pay on something that you do n't even have supporting evidence of and I know that the fees are not accurate or valid. I gave proper notice and was never given anything by the original apartment complex advising me of what NCC is now saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Chime Financial Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I began receiving notices from Chime that an account and credit card had been opened in my name. When I called to close it out and request additional information, they began asking for the last 4 digits of my SSN. I refused and asked XXXX to to close the account and how or who opened this account. XXXX closed the account but would not allow me to know how this account was opened or who had opened it. When I asked for additional support from a supervisor or director, that request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CITIBANK, N.A.
State: MA
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:
This is inaccurate because the date of last payment and date of last active is not reported the same with the reporting bureaus. Also the payment histories area different.

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 2022-10-05
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not correct the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}

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 2020-09-02
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an upgrade offer for an american express card that i accepted, it was XXXX membership rewards points after XXXX spend on the card. After meeting the requirements i received the points but then i downgraded the card because they lowered my credit limit from somewhere around XXXX $ to {$1200.00} which is terrible for my current spending making the card useless for me so i thought it was better to downgrade since i cant really make big purchases on the card making it useless with the big annual fee that it had. 

Now the problem is after downgrading the card they put my rewards points in a negative XXXX balance for " abuse, misuse or gaming '' when in fact that wasn't why i downgraded the card it was because they lowered my credit limit randomly to XXXX $ a month after upgrading to the offer for no reason what so ever. 

My current income is XXXX per year and i have perfect credit and lots of other cards with higher credit limits then the one they lowered me to so this is not a reasonable credit limit for me making the card useless for me so i had to downgrade it. 

Please help with this thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2020, I faxed a request to Equifax to have a bankruptcy public record removed from my credit report. I included a request for removal, a copy of my driver 's license & social security card and a copy of my letter from XXXX. The letter from XXXX XXXX was received on XX/XX/2020 and stated that they were unable to verify the bankruptcy info included in my consumer report so they removed it. I received a response back from Equifax dated XX/XX/2020 stating that " The information you disputed has been updated ... The bankruptcy is currently reporting as discharged ''. The letter also states that the public record item they obtained was by XXXX. I did not request a change, I requested a removal of the item based on XXXX not being able to verify the information. I spoke with a XXXX rep on XX/XX/2020 and was informed that there is no public record on my consumer report and that no one has requested a copy of my report within the last 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Credit Corp Solutions Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, The reason for my dispute is Credit Corp Solutions Inc. was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, Credit Corp Solutions Inc. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.

Validations of date and Mini-Mirandi under Section 807 ( 1 ) Credit Corp Solutions Inc failed to send me my initial communication  before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where Credit Corp Solutions is in compliance with OHIO LAW. 
I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. Credit Corp Solutions Inc. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation