BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: ALLY FINANCIAL INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
Payments were being made to ALLY financial for a 2015 XXXX XXXX. We had XXXX for two weeks which we didnt get paid for but we were still making payments to ally financial. Yet they saying we were behind & put delinquent on my credit report!!! THAT IS TOTALLY WRONG OF THEM & UNCALLED FOR!!! 
They were getting more than half of the amount needed of ONE payment. Called & harassed us for more money when we were making on time payments just not the full amount. Barely short. & this one only for ONE MONTH!!!!!!! This is ridiculous!!!

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 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} CREDIT XXXX {$1400.00} XXXX {$270.00} XXXX {$110.00}

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 2017-09-04
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I obtained my vehicle loan XX/XX/16. my starting balance was {$17000.00}. my current balance is {$17000.00}. I 've gone past due multiple times and I 've received one extension on XX/XX/16.  However, since the start of my loan as of today I 've paid {$5000.00}. I 've spoken to a representative through the chat application online and she could n't explain why my balance did n't move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-09-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Rushmore loan management foreclosed & sold my property without my acknowledgement, signatures or any attempts to involve me in the process. I was a co-applicant ( co-borrower ) on loan with my ex-wife who was also a co-applicant. Neither of us were a co-signer. As explained to me when mortgage companies attorney was questioned as to whether or not they were comfortable in proceeding without my consent or knowledge they answered yes. How could a foreclosure & sale & mediation pass through all the courts without my presence or knowledge or any thing from me.

Furthermore, the lender 's failure to follow the statutory requirements chilled the bidding at the foreclosure sale and, as a result, I am now liable for a larger deficiency judgment.

Thank you. 
XXXX XXXX and XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX dated XX/XX/XXXX and recorded in Deed Book XXXX Page XXXX XXXX County, Georgia records ; as last transferred to or acquired by XXXX XXXX, XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
As consumer and creditor I submitted consumer credit application for financial product of Barclays via Application XXXX XXXX XXXX XXXX Mastercard and Application : XXXX JetBlue Mastercard. 
Company per 18 U.S. Code 1951 delayed processing application via 15 USC 1611 unfair, deceptive and discriminatory practice in violation of 42 USC 408a8 to compel disclosure via U.S. mail front and back of 15 U.S. Code 1693a ( 1 ) social security card despite right of refusal per 31 CFR 1.32 ( c ) in accordance to United States social security administration privacy and confidentiality agreement. Notice of cease and desist subjection to credit approval as unlawful conversion of 12 CFR 226.2 ( 14 ) secured right to credit via credit application against prohibit basis in good faith exercised any right under the Consumer Credit Protection Act. Barclays obtained consumer report from XXXX and has not provided 12 CFR 1002.2 open-end account for consumer credit upon request in accordance with completed consumer credit application and notary witness affidavit via US passport credit device. 15 USC 1602p unauthorized use of social security adminstration credit card number despite secured application per 15 USC 1692j. request documents have been attached despite unfair practice of Barclays to compel document in violation of personal right of privacy.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion has put a weird block on my credit report and third parties are unable to access my credit report or view it and dispute items on my behalf and transunion is not fixing my dispute errors in few accounts so I hired a credit repair company to fix it but they are unable to access my transunion report due to a weird error and I need transunion to put a trouble ticket on my credit report And I cant lift a security freeze either Im getting an error message on transunion end.. 

I want this fix otherwise Im taking legal actions The following accounts in trying to dispute as identity theft is XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX I hire a third party credit repair and they are unable to access my credit report

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 2018-08-08
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I currently have about {$50000.00} in federal direct loans with XXXX. Last fall, after being prompted to consolidate a small federal loan with XXXX to XXXX, and getting a new Income Based Repayment plan, I began paying after a year of forbearance. Prior to that, I had made XXXX payments which I believed to be helping me make progress toward the XXXX XXXX payment threshold ( I'm a XXXX who works in a XXXX XXXX ). 

After recently certifying my now 7 years of employment in XXXX XXXX XXXX, I have come to find out that I have not made now XXXX qualifying, on-time payments in full to XXXX, but only the XXXX since the consolidation last fall have counted. NO ONE who helped me during the consolidation and income checking process ( for IBR )  mentioned that all of my previous payments would be wiped away. Instead of my next payment being my XXXX ( and XXXX full year of payments ), my next payment will be my XXXX. Which means that I now XXXX payments ( XXXX years XXXX months ) of payments left instead of XXXX payments ( 6 years ) despite the fact I'm beginning my XXXX year of XXXX and have been making regular payments in full essentially this entire time. 

The lack of communication about the consequences of consolidation are at minimum negligent, and at worst intentional to get people to pay more. I NEVER would have consolidated if I had known that it would cost me almost 4 years of payments. Who would? How would that make any financial sense at all? I felt like I had to consolidate because one of the federal loans was with XXXX and I did not believe that if I left it with them that I would be able to qualify for PSLF. It was not made clear that I would lose all of those payments in conversations I had with people at XXXX nor was it clearly stated in online applications or correspondence with me. Though I had not certified my years of employment, I had communicated a number of times over the years with XXXX that I was a XXXX ( I mean, they unfairly converted my XXXX Grants to loans because I missed one deadline - but that's a complaint for a different day ), so they knew I was a XXXX and that I was screwing myself by consolidating but nowhere did anyone say " hey, if you do this, all previous payments will no longer qualify '' and that's a shame. You'd think that people and organizations that I pay for with my tax money ( and loan repayments! ) would be trying to operate in good faith, but apparently not. I'm not some negligent borrower, I want to pay debt and HAVE BEEN for YEARS, but this has not been a fair deal on their end at all, and I have operated in good faith to hold up my end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing TransUnion that I was a victim of identity theft. TransUnion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}

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 2021-07-13
Company: The CBE Group, 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:
I am looking at my credit report and noticed a collection from XXXX XXXX XXXX XXXX company the date is was opened ( from what my credit report has on it ) on XXXX XXXX. The collection amount is XXXX dollars and I have disputed this before. For the last two years I have been living in supportive homes, transitional living homes recovery homes. However XX/XX/XXXX I have resided at a transitional living for women with children. I can prove that. This program is through XXXX XXXX. There is absolutely no way I am responsible for said debt. I dont pay for XXXX XXXX XXXX here the program does. I have been here at XXXX since XX/XX/XXXX. And I am getting ready to move into my own place, our very first apartment together. Two years i have worked on myself, I have obtained full custody of my kids, theres a lot of changes. My identity has been stolen. I also found out from XXXX  when I called to pay my bill for essential WiFi that there had been two accounts one both in my name but the other had a different address. I looked over my report on another site and it said i was part of the fire that took place up toward XXXX XXXX area. I literally live in the city and have I wasnt part of anything like that. This is frustrating. Ive spoke with XXXX XXXX XXXX after my first dispute, I didnt obtain any results but it says there are results. I can provide my ID to anyone my social security card.. anything to prove this is not my responsibility to pay. And honestly this is going to make it difficult to move into my own apartment and get XXXX XXXX XXXX on without an issue. 
Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: SYNCHRONY FINANCIAL
State: MD
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:
Synchrony Bank/XXXX closed my account for my credit card for no reason, reasons I believe are predatory and unfair for all consumers. I have had this credit card for only 5 months. I paid it on time each month IN FULL. I have never held a balance. I went to XXXX XXXX and come to find out my card was closed for no reason. I had recently bought a car because I was in a severe accident. I can not believe my account was closed without warrant. What makes the matter worse is there was no communication, either by phone ; email or USPS advising me of my cards status. 

I am beyond disappointed that someone can make payments on time and use the card responsibly and a company can be so predatory in its lending practices that they close the account because my score dropped a few points. I understand they can probably close an account at any time, however, why do so if the open account does not harm your bottom line and there is no negative information on the established account to otherwise warrant a closing of an account? It makes you wonder what kickback is Synchrony Bank getting out of the initial account opening, that they would close an account only 3-4 months later? An account that has established positive everything? WITHOUT even considering the positive account history and on time payments. Not only does this affect ones utilization ratio, which influences my score, Synchrony Bank has now closed a newly established account causing even more of a negative impact to my credit rating. In addition, after they closed the account after 3 months, they are still reporting information to all credit bureaus on my behalf and have a derogatory remark, Closed by grantor I want my account restored and credit repaired. Any corporation, who misuses consumers trust to maintain its business, shouldnt be allowed to operate and continue to practice predatory lending. They too should be held to the same fair lending practices as any other bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Santander Consumer USA Holdings Inc.
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call from USAA on XX/XX/2023. The caller ID said USAA and the number calling was their main number ( XXXX ). I was told someone was trying to access my accounts. They asked if I had made these purchases at a XXXX and XXXX XXXX in XXXX XXXX, CA totaling around {$900.00}. They asked me to log into my account to verify if these charges were on my account and to verify if there were any other unauthorized payments made. They asked to confirm my pin with them and then thats when I received an alert saying there was a wire transfer initiated. They alert was from the USAA automated text response system. He told me that someone was trying to wire transfer {$9600.00} from my account. He said I should be receiving a 6 digit pin and to verify the pin with him. He said he was going to start the investigation and recall the funds. After a short hold he said another transaction for {$8300.00} was happening and asked if I authorized it and if I knew the person ( XXXX XXXX ). I said no and he said I will get a security pin texted to me and to verify that with them. He had asked for me to go into the wire transfer history to see if his recall had stopped the transfer or if the transfer was completed but I had bad service and it wasnt loading. After a while I just hung up and called USAA under the same number ( XXXX ) and told them what had happened and USAA said that that wasnt them and that scammers most likely spoofed their phone number. That is when the real USAA started an investigation and recall on the transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: DISCOVER BANK
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:
I have this accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief