BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: ALLY FINANCIAL INC.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an IRA account with Ally Bank. I wanted to transfer that money to XXXX XXXX for a better interest rate. I submitted transfer paperwork in XXXX of XXXX. Ally Bank kept responding that the paperwork had not been properly signed by XXXX XXXX. This went on until XXXX of XXXX when Ally FINALLY ADMITTED THAT THEY WERE WRONG. The paperwork had been properly submitted and signed by all parties. 

This delay cost me roughly 5 months in lost interest. I placed dozens of phone calls to Ally and XXXX trying to get this resolved. Once Ally admitted their fault they told me there was NOTHING they could do about my lost earnings. 

I continued with my calls and demanded that they compensate me, they again said nothing could be done and I received a letter that said they are not in the practice of offering compensation to their customers!!! 

Their mistake and delay cost me $ $!!!

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 2022-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
This account does not belong to me. My personal information is incorrect. There are several inquiries that were not authorized by me. There are accounts with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged over {$20000.00} in overdraft fees over the last 12 years and Synovus will not renew my line of credit under my wifes name. She has a XXXX XXXX XXXX score. My theory is that Synovus just wants to keep billing me {$36.00} for every overdraft. They have charged me {$6700.00} ( overdraft fees ) since XXXX of 2017 alone. I also have hundreds of emails with Synovus employees where they have approved my overdrafts but declined my request for a line of credit to cover the overdrafts. I have never missed a payment of my line of credit/installment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX on XX/XX/XXXX allowed a person who cashed my life insurance policy which was only in my name who committed forgery signing my name to deposit the check into their account and not even endorcing to themselves. When I found out I went to the bank I contacted my life insurance company XXXX XXXX XXXX and got their fraud department involved in it. They took money back out of her account to send back to XXXX XXXX XXXX and the person gave false documents stating I had told her to do it. She used her own fax machine called pretending to be me and the bank then put the money back into her account. Then I told them oh wait let me show you exactly what was stated to me via text that a check came in both our names she did n't say what for I had recently XXXX my twin grandson and thought a donation I was in XXXX XXXX but I have XXXX and believe me I need my life insurance that my Grandpa started on XX/XX/XXXX. The bank sent back the money to XXXX XXXX XXXX again but then the insurance company sent me the check wanting an additional 400 plus more along with check to reinstate my policy because of penelties interest etc. gave me 3 weeks to send all that back. I did n't have the money my XXXX cost XXXX to XXXX XXXX XXXX. I lost my insurance for a mistake I was not even part of. I feel everyone was at fault but me. I did n't have money to hire an attorney so I lost all the way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a Pre-Qualification letter in the amount of {$450000.00} from XXXX XXXX at Santander Bank on XXXX XXXX. I told XXXX that I didn't have 2yrs income, but XXXX said I would still be approved. I then went searching for properties in Connecticut. I found a property and my offer was accepted on XX/XX/XXXX, I sent XXXX the contract to start processing right away. Throughout the process XXXX has been misleading and didn't inform me on anything that was going. My Realtor called XXXX on XX/XX/XXXX to get an update on the process she asked why haven't I started my Loan application and XXXX told her I did my loan application a long time ago which was incorrect. She then told him that I never signed anything so how was the mortgage application completed with my knowing and without a property in place. She asked XXXX if he explained the process to me and he told her he did, but he can't always be available because he is over 3 different branches and is busy.she asked if there was someone else she could speak with regarding this loan and he told her no. XXXX then called me to process the mortgage application on XX/XX/XXXX. My Attorney, My Realtor and myself called XXXX to get an update on XXXX and XXXX stated he should hear something by XX/XX/XXXX. He never told us he just processed the application. I didn't hear anything back from him so my Realtor called him on XX/XX/XXXX for status update but XXXX didn't answer her call. He then called me telling me the loan was denied. He didn't give me any paperwork or anything. My realtor called the branch located in the XXXX and the staff wouldn't connect her to a manager. The Sellers are holding {$7500.00} of my money and I can't get it back without a denial letter. Also, XXXX knew I only earned {$15000.00} in XXXX and my XXXX XXXX  was XXXX for my new business that has been opened for 1yr. Instead of telling me the truth he lied and dragged this whole process out. He also switched my loan fromFHA to Conventional without my knowledge but told my Realtor he didn't know Connecticut FHA guidelines were different from NEW Yorks.

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 2018-01-16
Company: Experian Information Solutions Inc.
State: AL
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:
Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.

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 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/XXXXI fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

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 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The Veterans Administration determined my date of total disability as XX/XX/XXXX. Due to backlog, my VHA determination was not processed until XXXX. From XXXX to XXXX, I have REPEATEDLY disputed the information on my credit report with TransUnion. TransUnion has FAILED to properly investigate my dispute and this has resulted to adverse credit decisions for nearly half-of-a-decade. 

XXXX XXXX no longer has this loan and it was transferred to XXXX. According to XXXX, the debt was forgiven effective XX/XX/XXXX and the information in the TransUnion credit report is incorrect and should have never been reported. 

No one is accepting responsibility to for the incorrect adverse information, yet it is still on my credit report. Despite repeated disputes, TransUnion has failed in their due diligence to properly investigate and report my 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 2022-08-14
Company: ENCORE CAPITAL GROUP INC.
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:
This account does not belong to me. My personal information is incorrect. There are several inquiries that were not authorized by me. There are accounts with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: GB Collects, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GB collections sent us a letter in regards to their client, XXXX XXXX XXXX. This is insurance paid through our payroll through XXXX. After I received this letter I contacted XXXX and they said I have nothing to worry about. I explained to GB what was going on but they did not listen. They have continued to call and send letters every three days. I did our due diligence and gathered all the information from XXXX and faxed it into the office of GB and they continue to still call and send letters. 

I called the morning of XX/XX/19 to after receiving a final demand threatening letter to find out why they were still contacting us. I explained that we had faxed into the office the documents XXXX old us to send into them. We are still paying for this service through our biweekly payroll. I tried to ask why the office was contacting me as we did their job and gathered their documents they were requesting. Before this office hung up on us and now is avoiding our phone calls they said our documents were incomplete. They never called or sent a letter to let us know the documents were incomplete. XXXX sells this insurance and told us we sent GB the correct information. 

As the FINAL DEMAND threatening letter was sent us today and we called within XXXX minutes to make sure this was resolved and now they are avoiding our phone calls. This is very unprofessional and this office should not have the license to collect debts if this is the office 's behavior. We have tried to address the issue and gathered the documents they needed to resolve this issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX- SUV Reposessed by XXXX XXXX XX/XX/XXXX- Judgment placed against me by Fein Such and Crane LLP on behalf of XXXX  XXXX for Balance of Original loan less sold value, plus interest XX/XX/XXXX- XX/XX/XXXX Garnishment From wages to pay balance XX/XX/XXXX -  Called Fein Such & Crane stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. Fein Such and Crane stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XX/XX/XXXX. 

Ive sent requests in writing to XXXX XXXX, and Fein Such and Crane for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with XXXX XXXX who said I needed to speak with Fein Such and Crane on the matter. Fein Such and Crane could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance. 

Since XX/XX/XXXX, they have taken almost {$600.00} in additional garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
yes get a hold of the XXXX XXXX on this account because this was to be a buy at XXXX for 84 months and the guy tried to pull one on me by putting this as a lease at 48 months at XXXX dollars a month so i lefted the vehicle there a the dealership and i did not want it because he lied to and now it is showing up on my credit report as dedit and i want it off of my credit because they where to throw the lease paper work up and this vehicle was lefted at the dealership and i do not want this new vehicle so get a hold of XXXX XXXX and get this off of my credit thanks you can call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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:
As of XX/XX/XXXX XXXX  XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX   XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Fairway Independent Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX of Fairway Independent has been unresponsive for months and made it difficult for me to get clarification on questions I have regarding the refinance. After contacting multiple people and expressing my frustration I finally got a few answers to questions I had. I was then directed by XXXX to skip my XXXX payment and that wed close the first week of XXXX. My refinance happened and I have received a late payment notification and threat from XXXX if the mortgage is not paid. I reached out to XXXX for clarification and have been ignored. He is now messing with my finances and credit. This is unacceptable. I have contacted him weekly since XX/XX/XXXX and received zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was victim of a scam. I received an email ( it seemed from someone I know and trust ) asking to buy gift card and send back by email. I did that since I was told was a birthday gift. However I then realized it was a scam since they kept asking me to buy more and more gift cards and when I asked more details, that failed to provide. I alerted the fraud department and all my credit cards company. However I was told by credit card company that I wont get my money back since this was a scam and not a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



Thanks 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 non-monetary relief
Consumer complaint received 2019-07-18
Company: Direct Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My name is XXXX XXXX DRS ( direct recovery service ) left a voicemail on my sisters phone without my permission which disclosed my personal information without my consent! The first time I called back XXXX answered I asked for the name of the company he refused to tell me and hung up in my face I never even got to what debt they were calling in regards to I was so upset theyre disclosing my information on voicemail!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, title 15 USC 1681b ( a ) ( 2 ) Equifax Information Services LLC has willfully and knowingly and intentionally violated my rights furnishing XXXX XXXX XXXX XXXX Account Number XXXX without my written instructions nor lawful consent. According to the Fair Credit Reporting Act 1681o ( a ) I, XXXX XXXX, Consumer am due for compensation from Equifax Information Services LLC willfully noncompliance of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation