BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: ALLY FINANCIAL INC.
State: OH
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:
In XXXX of XXXX  I inquired about a payoff with Ally Financial for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. 

Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. 

Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. 

I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit 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 2019-06-14
Company: Harvard Collections, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ONCE AGAIN HARVARD COLLECTIONS ARE COLLECTING DISCHARGED DEBT LISTED IN CASE XXXX DISCHARGED XX/XX/2018. STATE OF ILLINOIS IS ALSO COLLECTING ON BARRED ACCOUNTS WHERE THE S.O.L EXPIRED ON BACK TAXES. SEE ATTACHED .WE ARE NOW GOING TO FILE A CLASS ACTION EFFORT SOON!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Experian Information Solutions Inc.
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:
Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 45 days, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
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 status incorrect

Complaint:
Delinquent account paid down in full to zero balance not updated on my credit report dropping my score from XXXX to XXXX barring me from getting loans for the company. Jeopardizing very large multi million dollar transactions. Truist bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) dated XX/XX/XXXX states the Creditor to whom the debt is owed as XXXX XXXX XXXX, XXXX. s/b/m/ to XXXX XXXX XXXX  XXXX. ( enclosed ) 2 ) The true secured creditor was revealed by XXXX as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX  XXXX on behalf of XXXX XXXX XXXX. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.

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 2017-12-29
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo issues with unethical behaviors, poor business knowledge, and refusal to refund money for services paid that they did not deliver. More details : Wells Fargo failed to acquire a mortgage in a 3 month period ( XX/XX/XXXX thru XX/XX/XXXX ), when another company was able to do so in 3 weeks ( XX/XX/XXXX ). As shown in the attached response from them, during Wells Fargo 's  attempt to acquire a mortgage they required flood insurance for a home not in a flood plain ( leads to questions of an insurance scam potential ), they routinely lost documents ( leads to questions of poor systems and identity theft problems ), they ignored timelines agreed upon by all parties most notably the purchase agreement timeline to provide proof of financing ( leads to questions of poor training and ignorance of contract knowledge ), and they pressured banks to provide information they were not authorized to do so ( leads to questions of unethical activities ). We fired Wells Fargo and requested they provide all doucments paid for and/or refund fees paid ( {$540.00} ). They were unable to provide the documents needed ( their agreement states those documents were to be provided, see attached email information ) and a second appraisal was needed for the new mortgage. They now refuse to provide any refund stating we authorized them to do the appraisal ( true ) but they did not provide the documents required for the appraisal to be used by a second company. We wish to have all money paid to Wells Fargo refunded and to alert others to their problematic services.

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 2021-04-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had an account back in 2016 which the creditor agreed to remove from my credit report once i paid the full balance. I have been attempting to resolve this with the three credit bureaus and the creditor, unfortunately till this day they have not remove and it is causing financial hardship.

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 2022-03-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
XXXX XXXX XXXX  use, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions 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:
These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The  Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Ac counts "   XXXX    XXXX  '' (  2 ).  Satisfactory Accounts "  XXXX   XXXX  /   XXXX   XXXX   '' the account was closed in  XX/XX/XXXX  however the company did not post it CLOSED until  XX/XX/XXXX  the  Credit Companies are  reporting an ok Rating from   XX/XX/XXXX thru  XX/XX/XXXX .   This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the  Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.

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 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to file a formal complaint against XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. XXXX XXXX has violated my rights as a consumer by failing to provide validation of a debt at my request and continuing to report the disputed debt to the CRA. The Original creditor for the alleged debt is XXXX in the amount of {$1000.00}. Ive sent a total of three certified letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting proof of the alleged debt, complete detailed history of all transactions ( including payments, credits, returns, etc ), contract bearing my personal signature, proof of my identity ( copy of drivers license/social security card ), and any other intimate details that they may have pertaining to the account. I expected to receive a response from XXXX XXXX within 30 days of each letter submitted. However, my requests were ignored I am aware of my consumer rights as indicated under both the FDCPA and the FCRA. Reporting inaccurate information to the credit bureaus is causing damage to my score and character. Im using the Estoppel in my defense ; XXXX XXXX had a duty to respond to my request on three separate occasions within 30 days but failed to do so. I still to this day haven't received any sort of correspondence to my request. By receiving no feedback, or requested validation Im left to assume XXXX XXXX are in agreeance that this debt is false.

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 2022-03-02
Company: Accelerated Servicing Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called ASG XXXX XXXX XXXXXXXX XXXX ), keeps calling my cell phone for the wrong person. I don't know what the debt is about. It's clearly not mine. They are calling for a man. I am a woman. My cell phone number is registered in my name, not the man they are calling for. It's some sort of robocall. When you call them back to tell them, they have the wrong number, it's a recording and they want you to leave your personal data ( something I am not willing to give this company, I do not know ), as a message, then they say, will remove your data.

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 2021-03-10
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2019-06-14
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection account listed on my credit report by LVNV Funding. I asked for written verification and validation of the debt. I received a letter from Resurgent Capital Services in response to my inquiry telling me they manage the account with LVNV Funding. They only sent me an account summary report that was prepared by Resurgent Capital Services on the behalf of LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In 2015, I retained California attorney XXXX XXXX who filed a lawsuit against Ocwen Loan Servicing. During pending litigation Ocwen Loan Servicing attorney XXXX XXXX presented a increased loan modification offer that I never applied for increasing the bogus principal balance to {$660000.00} with 2 % interest rate and a shady settlement releasing Ocwen from any liability. I declined the offer then dismissed the lawsuit without prejudice because of all the harassment and threats which was causing me uncontrollable XXXX attacks XXXX XXXX and more health troubles which my doctors will tell the Jury. I filed a Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing. I am wonder if XXXX XXXX will respond to this consumer complaint and either confirm or deny ever sending an email to XXXX XXXX responding to my consumer complaint threatening that if XXXX XXXX files another Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing that all settlement discussion are off the table. Please confirm or deny ever sending this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sunday night XXXX CST, XX/XX/2021 Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX # XXXX Term Id : XXXX Chase ATM stole {$750.00} Cash from my deposit due to Malfunction. 

I went to the local drive up ATM at Chase bank. New Customer with Chase and I needed to deposit Cash- {$1000.00} total. 

The Machine said it could take a maximum of 30 bills so I deposited a stack of 5, $ XXXXbills and XXXX, {$50.00} bills -- XXXX total bills. The machine then began to malfunction and spat back 5, {$50.00} saying that they could not be deposited. The machine then crashed and printed out a receipt telling me to call in to see it the deposit went through. I checked my Chase app and of nothing was deposited. I called the customer service line and no one was available to speak to and they automated line said I had no deposits. 

Things I have : A physical receipt from the ATM that does not mention dollar amounts, but a phone number with a code? 

The Bank should have security footage : I drove up to the ATM twice afterwards to document the camera angles and photograph the area. And also check my balance which never changed. 

I Started at Claim with Chase and they gave me a temporary {$750.00} on my account -- on XX/XX/XXXX, they said they closed the claim and nothing was found, stating they will take back that {$750.00}. 

They said there was not surplus in the machine and refused to look at the security footage. They said the cameras were there just for Theft and the police department could only get a hold of it -- I called the XXXX Police Department to file an investigation as well. This is theft. 

They said I can fax in the physical receipt and they can reopen the case but the person on the phone that will probably not really do much. 

The ATM Stole my money and I need assistance, it is incredibly frustrating. Please assist as I can not even get a hold of a sound person at the physical bank -- and only call center people from out of the country. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: JPMORGAN CHASE & CO.
State: PA
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:
Credit card companies continues to allow charges after filing a lost or stolen card. Credit card company say they have the right to continue to allow charges to go through well after the cancellation card has been placed. I believe I was misled by a particular credit card company as well as by others that when submitting a lost or stolen card they can allow charges on new card number. I contacted my credit card company and they state that this is a common practice. I believe that once you submit a lost and stolen card and get a new number no one else should be able to charge until you give them specific permission. I feel that the credit card companies are protecting the vendors/merchants, not protecting the consumer or card holders. I believe this is fraud on the part of the credit card companies to allow continued charges after card has been canceled due to lost or stolen circumstances. Credit card companies continue to collect interest and allow fees to continue in direct favor of the merchant/ vendor and credit card company. Regardless of their policy this is fraud. What protects me and my number from these activities?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: BorrowersFirst, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I applied for a personal loan through BorrowersFirst.com back in 2015. I am now trying to payoff my loan but unable to reach by phone or email. All numbers associated with the lending company has been disconnected and no response through email. Automated debited is still taken out of my bank but BorrowersFirst name does not appear on my bank statements. I would like to resolve this matter and payoff my remaining loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Express Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and noticed a collection from Express collections. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Express collections in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My student loans are forgiven and asking for them to be removed off all three credit reports.

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 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When I signed up for my credit cards with capital one I opted Into the credit protection services plan. When I lost my job I tried to use it as AND the company told me that they had discontinued the service as of XXXX XXXX 2016. I did not receive any email or info in the mail about the discontinued protection services plan ...

Company response to consumer: Closed with explanation