BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: Midwest Recovery Systems
State: DE
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:
Hello. I am struggling with an account from XXXX XXXX showing up on my credit report as delinquent as of XX/XX/XXXX. 
I had a car loan from this company in XX/XX/XXXX or XX/XX/XXXX. Within a week of me having the vehicle, it died and needed over {$5000.00} in repairs. My father took the vehicle back to the XXXX XXXX XXXX-which is the car lot I purchased it from. After this, we filed several reports with the better business bureau. I have n't heard anything else about this car since then. It has never been on the credit report. We are now going into XX/XX/XXXX and it just now hit my credit report as delinquent. Please guide me as to how to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Experian Information Solutions Inc.
State: LA
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 and Experian did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an 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 2020-09-21
Company: TCF NATIONAL BANK
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my mortgage with Chemical Bank. This past XXXX I was informed that TCF Bank merged with or acquired Chemical Bank and my mortgage was to be paid to them. I received my XXXX Loan Statement from TCF Bank. I made my loan payment online like I always did and received a confirmation from TCF. That was XXXX XXXX. A week later I received a notice from TCF Bank that my payment ( automatic transfer ) was returned because because they were unable to locate my account even though the loan number was correct. I called immediately and was on hold for over an hour never able to reach anyone. I made numerous attempts to call them over the next couple of days just to experience the same wait time. On XXXX XXXX I went on their website to pay again. Once again I got a confirmation. I check my bank account from which the payment will be processed but there is no indication that funds were withdrawn by TCF Bank. I have made numerous attempts to get through to TCF Bank only to be put on hold for way, way, way to long. There is no explanation on their website or by letter that they have problems. This is no way to treat a customer. As soon as I am able I will be moving my mortgage to another company. Very terrible service!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have  yet to received anything back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call me multiple times a day 5+ times. And call me at odd hours after 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 2020-09-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a loan with Ally financial for my car. I had the temp withhold for my loan for 3 months when I asked back in XXXX my payoff it was {$5000.00} and now less than 6 months later it is {$5500.00} which my interest rate is only 8.99 % so it doea not make sense that this amount is correct. 

I also tried making payment online automatically and Ally Bank temporarily froze my ability to pay from my bank account and now my account is past due with late fees.

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 2021-01-25
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I sold my house in XX/XX/XXXX and am owed an escrow check of {$290.00} I did not receive a check until XX/XX/XXXX and was unable to cash it because the check was expired. I was told a replacement check was reissued XX/XX/XXXX I have called 3 times to ask where the check is they keep putting me on hold and hanging up. 

I previously filed a complaint regarding this issue. I was again told the check was reissued XX/XX/XXXX when I called XX/XX/XXXX and spoke to operator # XXXX I was again informed the check was reissued XXXX, XXXX by XXXX XXXX through the complaint response. Today is XX/XX/XXXX. I still have Not received a refund of My Escrow legally due to me in the amount of {$290.00}. 

If in fact the check has been reissued why have I not gotten it. I do not have any problems receiving any other mail or packages. at this point in time I question the honesty and integrity of Loan Depot and its employees. It should not be this difficult to receive an Escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a account at Ally Bank in XXXX of XXXX and deposited {$2200.00}. In XXXX of XXXX my access to the account was restricted so I tried calling the bank multiple times throughout the past 3 years and the customer service has failed to even explain to me why the account was locked. The last time I called the representive was unusually rude and said, " Like I'll help your XXXX XXXX XXXXXXXX ''. So a department of justice report on hate speech should be made because that's what I experienced with the customers service at Ally Bank, this occurred in XXXX of 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 2023-08-24
Company: Self Financial Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I started an account on self lender to pay into a secured loan with my own money. I stopped paying it because I no longer could afford it. They then reported this to my credit which is not affecting my credit usage especially because I was not giving any money or a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received settlement letters in the mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 to settle the account for 50 % of the balance-which I accepted and paid. After, I asked if the company would update my credit report to show the account was settled ; yet, they reported it as still derogatory and still with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-08-31
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Around XXXXXXXX XXXX I was approved for 4 Truist Credit Cards with a limit of XXXXXXXX XXXX each. When the credit cards arrived I've started using the credit cards putting balances on each card. Suddenly before the second payment was due I find out all of my credit cards were blocked. 

When I called to find out why, Truist tells me it's been closed. They're reason for closing all of my credit cards was because of a charged off checking account from 8 years ago with a negative XXXX XXXX  balance. I was in college and completely forgot I had a bt & t account with them. I immediately paid the balance and tried to get my accounts back. I was told they're going to keep all credits cards closed. I would need to pay it off and reapply. 

My credit utilization rose to over 200 % because of this. I no longer have access to card and stuck paying without access. The problem I have with this, why let me get approved, used the card, and pay before finding out that you wanted to close it. 

Because of cash advances and the high balance it says it would take years to pay off. 70 percent of the amount paid is going to interest. This is certainly hurting my credit report with high utilization and keeping me in debt.

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 2022-02-14
Company: I.C. System, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A company called I C Systems thats reporting on behalf of XXXX XXXX XXXX XXXX XXXX for the year of XXXX and Ive disputed this date several times with CRA but they say it keeps coming back verified when i never had XXXX in XXXX at all, now i did have the service in XXXX but when I dispute the incorrect information with CRA they obviously fail to do the proper investigation and its not right.

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 2023-11-10
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have Medicaid not sure if this is my debt!

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 2023-08-23
Company: Sequium Asset Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/23 Sequium Asset Solutions reported a collection in the amount of {$1400.00} to all 3 of my credit bureau. This account is a result of XXXX account that was opened as a results of Identity Theft in XXXX Tx. A state I do not live in. I was first notified of the XXXX acct in XXXX at which time I took action and filed a police report with XXXX XXXX Police Dept . Report # See attached forms. I also filed a complaint Report with the Federal Trade Commision. Report # See attached forms. 
I also had to fill out a XXXX Affidavit -See attached. That stated that this was not my account and was a result of Identity theft!! 
The first collection agency that had this acct XXXX  in XXXX Tx removed the false acct and that is when Sequium picked it up 5 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-09-29
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was incorrectly charged for an amount owed and never received documentation from company before collections. Company never notified me of debt owed as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Bread Financial Holdings, Inc.
State: OH
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 credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Affirm Holdings, Inc
State: SC
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 been a victim of identity theft repeatedly since I lost my wallet and documents some years and and again last year. Accounts have been opened in my name and paid in full sometimes. Ive filed police reports and this is the ONLY NEGATIVE ON MY ACCOUNT AFFIRM XXXX days late on XXXX only I would like these negative accounts on XXXX removed XXXX XXXX XXXX XXXX accounts XXXX accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Heritage Financial Group, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a unverified debt that appeared on my credit report due to inaccuracies according to section 609 of the fair credit reporting act this debtor has to have my original signature proving the debt belongs to me I am askin for proof of this debt with the original signature and if And where is this being verified or how? If they fail to produce an original signature I demand a deletion. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX Partial Acct # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX reported to XXXX  Credit Bureau that I owed an unpaid credit card debt of {$1000.00}. This is not my credit card nor my debt. I told XXXX  in a phone call this was not my debt or credit card. I was told XXXX  would check with XXXX. XXXX  later told me in a dispute report that XXXX confirmed that I was the credit card owner and I was responsible. The same process happened with XXXX  Credit Bureau. Both XXXX  and XXXX down-rated my credit. XXXX  XXXX XXXX cancelled my credit card. XXXX XXXX  down-rated my availability of credit. Portfolio Recovery Ass., LLC notified me they had bought my account on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX, VA XXXX. Their phone # is XXXX. They informed me that I could make an ID Theft Report in my own state, which I am doing. They also told me about filing a complaint with FTC.GOV which I am doing. Portfolio Recovery Ass. also informed me that the credit card was charged at a XXXX XXXX XXXX in XXXX, Alabama on XX/XX/XXXX, and that the credit card bills were sent to XXXX XXXX XXXX XXXX XXXX in XXXX, Alabama. Portfolio Recovery also informed me that I could send them copies of my electrical bills ( from a year before XX/XX/XXXX to the present time ) to show my correct address. I have made these copies of more than two years of utilities and also filed a police report on XX/XX/XXXX by computer. I am waiting to speak to the police in person and get my official police report. When I get the police report, I will have to send all utility bill copies and a copy of the police report physically by mail to Portfolio Recovery Ass. as I don't know how to do this by computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX XXXX XXXX ) XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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:
I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 

In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX  XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.

Company response to consumer: Closed with explanation