BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: ALLY FINANCIAL INC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/20 After being transferred around between multiple departments at Ally Bank. I finally got a representative in the billing department. I explained that I recently got a new installment loan and set up the payments online. During the online setup I accidentally set up a onetime payment and reoccurring payments for the future months to come. They both pulled at the same time when only one should have pulled for the month of XXXX. I explained the situation and it is clearly noted in my transaction history. I asked for one of the payments to be returned since I honored my monthly obligation via the loan contract. The representative attempted to provide me an alternative that was not conducive to my financial situation. She explained that she could just apply the extra payment for XXXX. I let her know I just wanted it to be refunded to my account. The representative stated since I did not got through my bank that it could take up to 7-10 days for it to be investigated. I was not sure exactly what needed to be investigated if the transaction history clearly shows a double payment. I finally spoke with XXXX ( XXXX ) supervisor of the payments and billing area. This supervisor told me that the payment can not be returned because I have an outstanding balance. I explained to her that I honored my loan contract, I have not gone into delinquency. I advised her that this is an unfair, deceptive act, and practice. She replied back that I am wrong that its only unfair if it was based on my race, ethnicity or gender. Instead of arguing with her I asked her to send me an email as to why she can not refund my payment, she stated that she can not do that and that she will escalate my request to be investigated. 

Thankfully I am not in financial distress and this has not caused me any fees, but I can not imagine the other customers they have that are in a bad situation. This practice should be thoroughly investigated especially in these unprecedented times. The reason we take out loans is so that we can make affordable payments towards them. If we are making our payments and accidentally apply more it should be returned back if requested. In this situation the consumer ( myself ) was punished for making a extra payment and not going through my financial institution to have it refunded, when they were not the originating bank. 

Ally Bank also makes it very difficult to contact them electronically. It seems as if its to conceal the consumer from having evidence of their unfair, deceptive, acts and practices. 

XXXX did provide me an investigation confirmation number : 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 2021-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
Portfolio Recovery Associates is reporting a XXXX  XXXX account ending in XXXX on my credit of which I have no knowledge of this account Portfolio Recovery needs to furnish full proof within 30 days that this account is mine and if no proof is given then by law under FCRA this needs to be removed from all three credit bureaus immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My bank was purchased by another bank and changed the account numbers. I attempted to make extra payments on my two Chase credit cards, and the electronic withdrawals were directed to my savings account ending in XXXX instead of the checking account which now ends in XXXX. The beginning numbers are the same. 

I explained the typographical error to the bank, sent them copies of my statements demonstrating there were funds to cover the withdraw in my checking account and asked that the account be reinstated. 

I have made on-time payments to this account for years, this is a random new problem that was caused by a typo. I am unable to change the account numbers myself as access to my Chase account has been frozen. My bank is unable to change the typo for me as the typo is located within the data held at Chase. I explained this problem to multiple Chase customer service agents and none of them changed the number for me. 

Chase send me back letters on XX/XX/XXXX advising, " We are unable to fulfill your request because the account is currently Revoked. '' I do not feel this is fair dealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
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:
I filed a complaint on Equifax complaint # XXXX. No where in that complaint did I say anything about inaccurate information in my credit file. Yet this was their response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 
They did not even read the complaint. They could not have and responded like they did. My complaint was about Equifax denying me my right to view completed dispute results. Wow. They did not even read my complaint. The results of many of my disputes are available online but I have no way to access them. My complaint was pretty clear. wow what a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/18 My fiance calls XXXX to see what their prices are for a home security system. He gives them my name, address, and birthdate ( does not give my SSN ) so that they can do a price check. They asked him if they can run my credit. He said NO and didn't complete the call with them. Didn't think anything of it. 

XX/XX/18 I see that a credit check from " XXXX XXXX '' has shown up on my credit file for Equifax. I don't even know what that is. I do some research and figure out that it has to do with XXXX. I call them immediately and speak with customer service. I tell them that I never authorized them to check my credit, so they need to get the inquiry removed. The first rep laughs and says there's no way to do that. I ask for a manager. The manager says there's no way to do that. I ask for his manager. That manager says I need to address it directly with Equifax. 

XX/XX/18 I finally figure out how to file a dispute with Equifax online, so I file it as " Unauthorized inquiry on my credit file ''. 

XX/XX/18 I get a response back that my dispute has been completed. I try logging in to their site, but am unable to do so. 

XX/XX/18 I call them and speak with someone in the disputes department who tells me that my dispute has been declined and that the only way to get it fixed is to contact the company that ran my credit directly. To which I replied that I already had. I asked to speak with a Manager because I didnt like his answer. His Manager gets on the phone ( her name is XXXX and she refused to give me any identifying information even though they asked me for 30 pieces of identifying information to even discuss my file with me ) and she tells me theres an internal process that the other company can complete to get the inquiry removed. I ask her what the process is so I can call XXXX and walk them through it, to get them to remove it. She tells me she doesnt know the process and no one does and that theres no further info. Then she tells me shes a supervisor and I ask ( AGAIN ) to speak to a Manager to which she responds : I cant transfer you to the manager because Im the last line of the escalation process. She refused to assist me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: MO
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I obtained and printed a credit report from XXXX and then attempted to get a report from the other two. The request was denied stating that I had obtained reports from all three within the past 12 months. This is not true unless someone other than myself did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was alerted that my Wells Fargo debit card had 2 transactions at a XXXX, one for {$700.00} and another for {$200.00}. These transactions were not me, were not authorized by my, and I had my card in my possession at the time. 

On XX/XX/XXXX, I called Wells Fargo fraud division and filed a claim for fraudulent charges on my debit card. Wells Fargo canceled my current debit card at the time, sent me a new debit card, and credited my account for {$900.00}. They also mentioned the investigation of the fraud could take up to 10 business days and if anything else was found I would be notified. I assumed by the end of the month the 10 business days had passed and I was ok to spend the money credited back to my account. 

On XX/XX/XXXX, I received a letter from Wells Fargo Claims assistance center stating that they have completed their research on my claims inquiry. This letter stated that " based on the information available to us, we found the charges were made by you or someone who had your permission. As a result, the {$900.00} temporarily credited to your account, will be deducted on XX/XX/XXXX. 

After this letter was received and the {$900.00} was deducted, resulting in a negative balance of over {$600.00} dollars, I called the Wells Fargo claims assistance center again. The person who answered the phone could only read the notes at hand stating that " based on the information available to us, we found the charges were made by you or someone who had your permission. '' I was persistent in stating that these charges were not made by me or anyone that I had authorized, and that my card had never left my possession. I was told that " the transaction indicated that the card was present for this transaction and there was nothing else they could do for me at this moment. 

My family has banked with Wells Fargo for many years and hold a mortgage with them as well. They have had fraud/ identity theft issues in the past and have had no issue when solving it. This is the first fraud issue I have had and they are telling me that the card was present and it was not. I feel as I am being treated like a criminal being told that it was me that made this transaction and that I am lying. 

In the mean time I am out of {$900.00}, asking family members to cover my negative balance and overdraft charge. Wells Fargo is saying there is nothing else they can do and the next step would be to file a police report. 

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 2018-06-18
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Global Client Solutions is contacting me on my job when my employer strictly prohibits calls from debt collectors or third party entities. I have already warned them call my office, currently I am working with XXXX  to settle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
west lake financial I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of XXXX balance on account. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character they have wrote remarks on my report bad debt account and also charge off loss of profit I paid over 50 % of the loan company is fraud and needs to remove this information in reality they overcharged me the price of the car the average purchase for an XX/XX/XXXXXXXX XXXX is XXXX dollars any assistance that you can provide will be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bought by a new company. XXXX. My loan is due on the XXXX of every month as per my original contract. I am supposed to have a 15 day grace period to pay my loan before I am charged any late fees. This new loan company is charging a processing fee based on how many days have passed from the actual due date. Example : if I pay my loan after the XXXX I get charged a {$5.00} processing fee. If I pay my loan after the XXXX then I have to pay a {$10.00} processing fee. If I pay after the XXXX, I am charged a processing fee AND a late fee. When I asked them about this fee they said it was simply a processing fee, however they are obviously charging customers based on how late they are. This is not in my original contract and I am supposed to have a 15 day grace period without any fees what so ever. They are just using the term processing fee other than late fee to get around this. They told me it was within their rights to charge me this fee. They are taking advantage of customers by doing this. My pay is bi-weekly and I cant always pay it right on the XXXX of the month every time. I should not have to take money out of my savings account to make my house payment just to avoid their processing fee. I have been charged his fee the past several months. Please do not let them continue this practice. They are just trying to sneak in extra fees on consumers hoping they can get away with it by calling it a processing fee. Thank you!

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 2018-02-23
Company: CITIBANK, N.A.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit card with Citibank with the credit limit of {$9000.00}. Yesterday XX/XX/18 i requested a credit line increase to {$15000.00} through the mobile app. Citibank shortly approved the credit increase to {$15000.00}. I checked my credit report and found out that Citibank ran a hard inquiry that same day on XXXX  which resulted in dropping my credit score down. I did not consent to a hard inquiry nor was I notified that a hard inquiry would be made in response to my credit line increase request.

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 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2018-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor account was opened XX/XX/XXXX which was XXXX XXXX. The debt was charged off. They have the wrong information. The debt was sold to Portfolio Recovery and they are reporting the debt was opened XX/XX/XXXX. They are reporting this as a new debt and it is not which is a violation. I have disputed this with Portfolio Recovery to no avail I have not received any communication from them. They do not have a contract or any binding documents and have yet to validate this debt. I asked that it is deleted from my credit report due to the violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: SYNCHRONY FINANCIAL
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I set up a consolidation loan with my personal bank, XXXX XXXX. on XX/XX/2018 XXXX XXXX sent by electronic transfer, my payoff balance of {$1500.00} to Synchrony Bank which was received on XX/XX/2018. According to Synchrony Bank that payment was not applied to my account and i still have a balance with them. XXXX XXXX has sent over a letter stating their records show the payment was sent and received. I believe the payment was received but possibly paid to the wrong account. XXXX XXXX sent over a trace number for Synchrony to locate the payment and apply it to my account however Synchrony Bank states that they can not look up a payment by the trace number and need the routing number the bank used to make the payment. I then spoke with XXXX XXXX again and they stated there was no routing number and that Synchrony should be able to locate the payment using the trace number. 
I am at a point where i can not get any further with either bank in locating my payment and applying it to my account with Synchrony Bank. Any help I can get with locating this payment and applying it to my account would be appreciated. 

Thank you, XXXX 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 monetary relief
Consumer complaint received 2018-09-10
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:
I sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.

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 2020-03-01
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX, and XXXX XXXX are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
I Have Contacted The US Department Of Education Multiple Times. I Was In School During The Time The Loan Was Charged Off. I Stated That Several Times. There Was A Very Short Period Of Time I Was Not Enrolled In School But When I Re Enrolled They Still Expected Payment. Its Partially Navient 's Fault. Now Tih Covid 19 I Found Out That You Can Have Your Payments Waived Due To Covid 19 And They Count As Revamping The Loan To Put It Back Into Active Status Yet They Wont Retroactive It.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I scheduled my monthly mortgage payment for Caliber Home Loans. Caliber has an antiquated system for taking my payment and took the payment late. By taking it late, they filed a late payment charge with all my credit companies. I called them numerous times to point out this was their fault not mine and had proof of such fault in email which showcased I put the payment in on XXXX XXXX to pay Caliber on the XXXX ( when payment was due ). Caliber has been extremely rude with this situation. I've had their customer service swear at me, state this is my problem and that I should have known it would take them days to process my payment. This didn't add up so I filed disputes with my credit companies but Caliber has won them every time. I hired a law firm who was able to get one of the credit companies to remove the mark but the other two credit companies : XXXX and XXXX  still have this mark on my credit history. In addition, the law firm was in constant contact with Caliber for over a year and Caliber continued to send actual mail to me stating that they reviewed everything and they're right I'm wrong. But over the past year, they continue to call me and send me emails and snail mail about refinancing my mortgage etc. Therefore, they want my business but they're unwilling to admit they were wrong and in the process have ruined my credit life. 

I have email proof I paid this payment on time, scheduled it on time and that Caliber took to long to process this payment. That's not my fault they don't have the capability to process payments on time. Banks can take a check deposit within seconds of us uploading the check so why does it take Caliber 1-3 days to process a payment? And why are they so adamant on not fixing this situation and admitting fault? It's ruined my credit for no reason besides their incompetence. It's hurting my family and makes me never want to do business with them ever again.

Company response to consumer: Closed with explanation