BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been with Ally bank since they were known as GMAC bank. Ally allows up to 20 external linked accounts to other financial institutions. For whatever the reason someone at Ally has decided to limit my ability to link to external accounts. I currently have XXXX linked external accounts and have been unable to add any more up to the 20 limit. When I complained to Ally I was told that since I have been a client with them that I have linked to over 70 external accounts during that time frame. There is no reason for Ally to limit my ability to link to external accounts as long as I stay within the 20 external account limit. I'm a savvy consumer who seeks out great rates, CD offers, and bonuses offered at other financial institutions. Ally 's actions are severely limiting my ability to link to other accounts that I have at other financial institutions, limiting my ability to transfer funds between those accounts, and limiting my ability to take advantage of great rates, CD, and bonus offers at other financial institutions.

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 2023-02-17
Company: Firstsource Business Process Services, LLC
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and someone used my personal information to obtain this fraudulent account in my name through XXXX XXXX XXXX. I did not benefit from any goods or services of this fraudulent account. I filed a police report with XXXXXXXX XXXX XXXX I am requesting for XXXX XXXX and XXXX XXXX to delete and remove this fraudulent account from its system and my credit report immediately or legal actions will be taken against your company. 

XXXX. XXXX XXXX XXXX. Account XXXX ending # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase shows that the transaction was completed at coinbase side, but i did not receive it in my wallet which is also a coinbase wallet. Conbase has been giving me a run around, provides for phone numbers that does not work [ which by the way is on their website ] and refuses to locate my funds disappeared by coinbase. This is supposed to be a nasdaq publicly traded company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made between 11 and 12 years of payments on this loan. Yesterday, my cosigner was advised in that many years, less than {$1000.00} has come off of the principle of the loan. The loan was originally {$8000.00}. Yesterday, my cosigner was told I still owe them {$7400.00}. I feel like I am dealing with a loan shark. 
I don't even make {$40000.00} a year and give them what I can. I tried to get the cosigner removed and since I didn't make any payments the first year of the pandemic, and not being told that loan didn't qualify for no payments, they have marked my credit report in a negative way. I am happy to send a copy of the ledger of my payments. I will provide any identifying information you need to investigate this situation. 
This is holding up a mortgage loan for my cosigner. In fact, AES made him pay them {$150.00} yesterday! I have paid them over {$250.00} since XX/XX/XXXX because I borrowed money from my sister to be able to do so. Again, I make less than {$40000.00} per year, and my husband is XXXX and on Social Security. The way this is going, I will end up paying on an {$8000.00} loan longer than I will pay for my mortgage ( 15 years ). 

I have made the payments, and more than requested for a number of years. At the time when I could pay more money, I talked to someone at AES, on a recorded line, to ensure me that the extra money would go towards the principle. They agreed, yet evidently that was not the case. 

I also have federal student loans that I have not been able to pay on because I have been paying AES all these years. The interest rates on the student loans, most of which are from XXXX, I think I have around {$200000.00} of federal student loan debt that is at least 50 % interest. I am wondering if any of that will be included in the forgiveness/Navient settlement. I have received a XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I actually make less income now than I did when receiving the degree in XXXX. 

I was not able to complete my Doctorate because the school told me I was out of loan opportunities since I was not a clinical student. I was at the point of my dissertation when advised I had no more loan money to complete the degree. that was after being advised that I should not have any financial issues with being able to complete the doctorate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Brock & Scott, PLLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a complaint of file # XXXX, I 've attached formal complaint being filed today that further details the fraud involved by the Lender and Brock and Scott, PLLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit 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:
On XX/XX/2023, there was an unauthorized transaction posted on my Capital One Savor One card account from XXXX XXXX XXXX  for the amount of {$2200.00}. I tried to notify Capital One of the issue, but the prompts they have built online on reporting issue on your statements never go through ( screenshot attached of the first step ), and when I click " View Order '' button, it brings me to XXXX login screen with some strange email address on it that is not mine. I do not have a XXXX account and have not authorized this purchase, and nobody else that I know has access to this card or the XXXX account indicated on " View Order '' section.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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:
I called the major credit bureaus Equifax, XXXX, and XXXX yesterday. XXXX helped a little but not fully. I was hung up on by Equifax and XXXX while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have now spent over 5 hours on hold on the phone. I am using up my entire phone plan in attempts to communicate with BOA. Only to be provided with misinformation and no helpful solutions to my issue. 

I had an estate checking account ; the estate was closed in early XXXX. 
I phoned BOA to find out how to close the checking account while retaining electronic access to the historical records for this account. 

The person I finally got through to on XX/XX/XXXX told me I did not have to close the account, that I could retain access electronically with an account balance of 0, and I was assured that there would be no charges for low balance, etc. 

So I did that. Funds were moved out of that account on XX/XX/XXXX. 

About 10 days later, I received XXXX cents in interest. 

I tried unsuccessfully to transfer that amount out, and I got an error that the amount was too small to transfer. 

Recently I received a charge for {$25.00} - monthly service charge. 

I phone again today. After another long wait, they told me I would need to close the account, but I was again ASSURED that I would still retain electronic access to the historical records. 

In fact, however, all electronic access has now been lost. 

I phoned again. Another long wait on hold. Transfer to supervisor. 
Another long wait on hold. 

She told me that once the account is closed, all online access is permanently lost, and that I can not re-open the account to regain access. 

I am EXTREMELY unhappy with these experiences with BOA. 

I would appreciate help in restoring access to the account that was closed this morning ( with the false promise I would retain electronic access to the records ) -- whether by re-opening the account ( which they told me was Impossible ) or by providing electronic access to the records from the now-closed account.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: NJ
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:
After reviewing my credit report, I have informed you that following are inaccurate accounts, Please do your reinvestigation correct, update or remove accounts that I said incorrect and forward me an updated credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: NJ
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:
After reviewing my credit report, I have informed you that following are inaccurate accounts, Please do your reinvestigation correct, update or remove accounts that I said incorrect and forward me an updated credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: United Collection Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
They sending me a letter for a debit card, that I never received or never had received money from them, they tried to scam me, I only have one bank card and I never received money from you guys, I want they stop sending me letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Loans are all very old and the schools I went to one dissolved, and one I did not attend for greater than a month but I was charged as if I completed the program.

These Federal student loans are incorrect and you are forced to repay incorrect information with zero chance to be heard.

This caused my family to become homeless because we could not even qualify for a low income rural loan for poor people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: AR
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:
AforcedinsurancepolicywasplacedonmyaccountwithXXXXXXXXintheamountof{$1200.00}.Iattemptedtomakepaymentsof{$220.00}ontheaccountuntilitwaspaidinfull,buttherepresentativeadvisedmethefullamounthadtobepaid.Thiswasthecurrentamountofthemortgagepayment.Afewmonthspriormymotherdied,andIwasdoingthebestIcouldonmyaccounts.TherepresentativeadvisedmethatmymaturitydatewasXX/XX/XXXX.Iliterallyspokewith30representativesonarecordedlinetogetthispaymentissueresolvedoverathreeweekperiod.Finally,threeweeksintothematuritydatearepfromXXXXXXXXadvisedmetowriteasettlementletterintheamountof{$500.00}.Iasked,"Doyouthinktheywillacceptmyofferandshereplied,"Ihaveseemthemdoitinthepastandyes.''Shealsoadvisedmethatitwilltake30daysbeforeIreceivearesponsefromthemandIsaid,"Okay.''Forty-fivedayspastmymaturitydateIreceivedaletterfromXXXXXXXXdatedXX/XX/XXXXacceptingmysettlementofferfor{$500.00}.Thecompanygavemeanother30daystopaytheamountinfull.TheamountwaspaidinfullbeforetheduedatewhichwasXX/XX/XXXX.Theletteralsostatedthatafterwereceiveyousettlementamount,wewillconsideryourloanpaidinfullbalance.Wewillreportyourloantothemajorconsumerreportingagenciesas,"[a]ccountpaidinfullforlessthanthefullbalance.ThestatementdoesreflectonmyXXXXandEquifaxreport.MyEquifaxreportreflect60dayslateandaccountpaidforlessthanfullbalance.MyXXXXreportreflect60-89dayspastdueandaccountpaidinfullforlessthanfullbalance.ThelatepaymentswerenotthetermsontheletterfromXXXXXXXXwhichwasdatedonXX/XX/XXXX.IhavespokenwithaXXXXrepresentativesincethisoccurredtryingtogetthisissueresolved,buttonoavail.Differentrepresentativesadvisedmedifferentinformationaboutmyreportinginformationtothecreditbureau.Oneadvisedmethatthiscanberemoved,buttonoavail.IalsohavewrittenagoodwilllettertothecompanyandfaxedittoXXXX,buttheydeclinedmyrequest.Mylastconversationwastoday,XXXXXXXXandtherepresentativespokewithtwodifferentsupervisorsandheadvisedmethathissupervisorsstated,"Becausemyaccountisclosedtheywillnotinvestigatemyaccountandtheycannotchangethewayithasbeenreportedtothecreditbureaus.IhavebeenmaintainingtwoaccountswithXXXXXXXXformerlyXXXX,XXXX,andXXXXandtheyhaveneverhadtoreportmyaccountslatetothecreditbureaussinceXXXX.Ivaluemycredit,andthishavestoppedmefrompurchasingahomebecauseofthereportingonmycreditreport.IalsohaveacreditscoreofXXXX.Pleasecanyouassistmewiththismatter.Thankyouforyourtime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi my name is XXXX XXXX and I'm reaching out to you all once again in regards to my credit report. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I reported this issue to the police already and have contacted the FTC. These items are not mine and I have no idea how this happened but these items still need to be removed from my credit report : XXXX XXXX  US DEP ED, XXXX XXXX, XXXX, 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 explanation
Consumer complaint received 2023-12-02
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We hired an Architect for support when remodeling our house. We signed an agreement/contract with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  who then placed a new hire, XXXX XXXX XXXX XXXX with us. After a couple months XXXX left XXXX XXXX XXXX and we decided to stop working with them as well. I went into their office on XXXX last day of employment and wrote a check to pay off our account in full. At this point we had only developed a floorplan and elevations and we had hired a new designer and architect to create construction documents and structural plans because of XXXX XXXX XXXX incompetence. We then received a bill for almost $ XXXX which we immediately disputed. XXXX emailed us back several times promising to correct the issue but never did. I continued to email XXXX reminding him to please fix the billing hours that were incorrect, reminding him I paid in full on XXXX last day. We have a signed agreement for the project and have never agreed to this random {$9000.00} bill for additional hours/time. We asked for clarification and correction for months and we were never responded to, despite being told by XXXX that he would handle it. We have all of these emails. We were then sent to collections for these hours that were never approved and never accounted for by any type of work provided. The collection agency was provided our signed contract and the cleared checks but they are still threatening to report us to the credit reporting agencies, which I also feel is not appropriate or legal since there was not any goods delivered, this false bill/claim is for time/hours which cant be verified by any contract and we have been incorrectly billed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX was given multiple opportunities to clarify the terms of the agreement. 
All security interest and POA 's have been rescinded, they have failed to provide documentary evidence with in the allotted time frame.

I complied with 12 C.F.R 226.23 ( a ) 2 and provided Notice of rescission on XXXX XXXX. Sent via certified mail # XXXX XXXX XXXX XXXX XXXX. 

XXXX has FAILED to comply with Effects of rescission outlined in 12 CFR 226.23 ( d ) 2, as a result affiant has NO further obligation to MBFS pursuant to 12 CFR 226.23 ( d ) 3. 

XXXX mailed their incomplete response on XX/XX/2022 More than 20 days after the above date of receipt, which directly violates 12 C.F.R 226.23 ( d ) 2.

because of a failure to provide previously requested documentation MBFS is in violation of 15 U.S. Code 1611 ( 1 ) for willful and knowing violation and failing to comply with my request for documentary evidence as defined in 15 U.S. Code 44.

I am hereby requesting that an authorized officer or agent of XXXX answer questions below, sign, notarize and return the attached affidavit within 30 calendar days of delivery of this notice or mail clear title along with the original promissory note to affiant at the address above, thereby resolving this matter. This is my FINAL good faith attempt to settle this matter and clear up any confusion about the terms of the alleged loan agreement prior to an Administrative Hearing on the matter. Failure to respond will be deemed a dishonor of this Notice and regarded as tacit admission. The affidavits included are evidence that may be used according to the Federal Rules of Evidence to prosecute or enforce any default by you in this matter. My CPA is prepared to offer expert witness testimony should court proceedings be necessary. if XXXX or its representing agents refuse to answer these questions with detailed specific answers, affiant will presume that there is a concealment of material facts and that the promissory note has been altered and stolen and that the alleged borrower provided the money that the alleged lender claims was lent to the alleged borrower.

Company response to consumer: Closed with explanation