BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: Triton Management Group, Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Received check in mail from XXXX XXXX for {$800.00}. Before the check could be deposited to my bank I had to call a number to get verification number. to activate check ... .Called, spoke to lady gave her additional information that she ask me about. Deposited check the next day. 2 days later checked my bank and they had had the check returned stating problems with endorsement. Called them, they could not find an answer, talked to my bank, they were confused as to why returned check. Then corporate office calls me and says sorry it was a mistake on our part. Gave no reason why. Then told me I would have to get all this personal information of mine and come to the store and give them all this to get check reissued. And that was the only way. Sounds funny to me. Sounds like that's the way they run their business. Making me have {$1200.00} overdraft with my bank. and now can't pay bills because of this ... I intend on complaining to everyone I can. This was definitely a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We received a call from Chase Bank on our HELOC. They said that we were short a payment. When we called, the claimed that the payment we made using the coupon they provided on their statement was for the month of XX/XX/XXXX, and XX/XX/XXXX was not paid. The statement was dated XX/XX/XXXX to XX/XX/XXXX, and the minimum payment line said {$97.00}. The coupon clearly states that the payment of {$97.00} is due on XX/XX/XXXX. We made the payment, which was cashed and posted in their system on XX/XX/XXXX. 
They claim that that payment was for the month of XX/XX/XXXX, and that the XX/XX/XXXX payment of {$100.00} was not received. 
We have statement covering the dates XX/XX/XXXX to XX/XX/XXXX, which shows a minimum payment of {$100.00}, and the coupon shows a due date of XX/XX/XXXX. Our bank statement shows that the check was cashed, and their statement with the XX/XX/XXXX due date clearly shows that they received the payment on XX/XX/XXXX. 
Basically, I have sequential statements, going back to at least XX/XX/XXXX, showing the exact amounts requested. They also emailed me copies that include the payment vouchers, and all of them match the payments we have made. 

They are claiming that the payment due XX/XX/XXXX is the XX/XX/XXXX payment, and the XXXX that we paid is a short payment for XX/XX/XXXX, and that we owe another $ XXXX. They did this to us back in XX/XX/XXXX as well, getting a whole extra payment out of us. 

I tried to speak to their Customer Service. The first rep kept trying to convince us, but we have documented proof, including their own statements. The follow up research person, when first contacting us, could not understand why THEIR department was incorrect. She called us back this morning with the same explanation as the first, and then became condecending. They claimed that because we had filed for a bankruptcy almost ten years ago, that the statements were incorrect, and that we had to look at the COUPON amount. Well, I did that, and the payments made all matched the coupons.

Again, we have proof that everything had been paid.

If they are making us pay extra for these " mistakes, '' What if they are doing this to ALL of their customers? System clitch? How much extra revenue are they making from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Armed Forces Loans of Nevada Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2013 I applied for a XXXX loan from Armed Forces Loans. The loan was conditionally approved pending verification of XXXX XXXX XXXX. After my XXXX informed the loan representative of my pending medical retirement from the XXXX XXXX XXXX the loan offer was rescinded. Loan proceeds were NEVER sent to me and the contract was supposed to be voided. According to Armed Forces lending policy any servicemember in a pending discharge status can NOT receive a loan. I did not receive any money from Armed Forces Loans. However, this company is reporting inaccurate fraudulent information to the credit bureuas. This loan is showing as an unpaid deliquent debt on my credit and it should not be. The loan offer was rescinded and XXXX NEVER received any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: OR
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:
Equifax reports that a breach ( cyberattack ) may have hit 143 million customers and confirmed that the XXXX XXXX security flaw Equifax failed to patch is to blame for hack. The National Institute of Standards and Technology states this security flaw has been in the wild since XX/XX/XXXX. 
If those XXXXwo events were n't terrible by themselves, Equifax uncovered the breach on XX/XX/XXXX but did n't announce the breach until XX/XX/XXXX. 
The worst part is tha
t three Equifax upper managers sold stock before the breach was revealed. This is gross negligence and insider trading. We live in a world where security breaches are a common occurrence. This type of event is one that nefario
us parties from foreign countries have been waiting for. An example needs to be made so that other companies start taking security seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX at a local hospital that VA had approved. My XXXX was left open for XXXX to drain. I was at a XXXX hospital to care for my XXXX  which I wasn't getting the care for my XXXX. When I stared XXXX from my XXXX I requested an ambulance to take me to the XXXX hospital. Now the ambulance is trying to make me pay for it. I am 100 % XXXX veteran and the VA is suppose to pay for it.

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 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TRANSUNION will not do a credit freeze for me, either by phone or online. Tried from XX/XX/XXXX to XX/XX/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 2020-05-25
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ally Financial provided the financing for my wifes car. I am in no way involved as it was purchased before we were married. During the pandemic, Ally has forgiven payments for two months, essentially added two months at the end of the loan term. Automatic payments made by my wife have been refused during the pandemic. However this has not prevented Ally calling multiple times a day about the debt. They call both of us but as someone not in debt to Ally I feel any contacting me is harassment. I have twice called the company and explained just that. Each time they agreed to remove me from the call list but have failed to do so. Over Memorial Day weekend I have received 12 calls from a company I dont owe money. Any help with this matter would be appreciated.

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 2019-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check that was for over XXXX dollars Saturday of last week and they told me it would be deposited in my account by Tuesday. then, when I went to the bank Tuesday they said that the deposit was delayed till Wednesday of next week. They received the money from the bank who issued the check on Monday of this week which was the Monday following the deposit I made. 
There has been no reason justifying why they withheld the deposit even after I called the 800 number to find out why they were doing this. 
I would have never deposited it with them if I had known they were going to do this. 
I need this money since I have someone in the hospital and have a lot of extra expense with electricity due to the heat waves we've had. 
So, this is really a disaster they've caused.The location of this bank of America I had so much trouble with is XXXX XXXX, XXXX, Tx. 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 2019-02-19
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:
XXXX, XXXX you are here by ordered to remove this fradulent account at once. XXXX sent statement through the CFPB that this alleged account has a XXXX bal and this alleged account was removed from the past from you CRA 's the name was redacted for Hippa and privacy violations but the account number is stated look at the balance owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these documents for statement of fact case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, XXXX  you are here by ordered to remove this fradulent account at once. XXXX sent statement through the CFPB that this alleged account has a XXXX bal and this alleged account was removed from the past from you CRA 's the name was redacted for Hippa and privacy violations but the account number is stated look at the balance owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these documents for statement of fact case XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL LOAN 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
got a hone call from XXXX stating they are trying to collect a debt on a Citibank credit card ( which I don't even have a Citibank credit card ) and they said they were a law firm offering to settle the debt before it went in to collection. Complete fraud and scam, I hung up on them and blocked the number. Very rude on the phone and could tell it was a call center from the noise in the background. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: ALLY FINANCIAL INC.
State: FL
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:
i co signed on a truck loan with ally financial. we paid it off and have been waiting on them to send the title. we keep getting calls saying we still owe them, and my credit is being destroyed. it has dropped XXXX points since XX/XX/2023. 
we had put a complaint in about the title and still have not received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi sent certified letters with in the last three months to all three credit bureaus and have not received a response.

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 2020-11-25
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an item on my credit report - that have one amount and there is a collection company collecting three times the amount so im a bit confused -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XX/XX/2018

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 2023-07-25
Company: TRANSUNION INTERMEDIATE 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2018-03-10
Company: Experian Information Solutions 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:
I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!

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 2019-11-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase ( and my dedicated relationship manager ) refuses to acknowledge my name on the deed of assent to my home inherited from my deceased father-in-law ( military veteran ) even though it is my legal name and my legal name is clearly typed on the deed of assent. This deed of assent was prepared by an attorney and accepted and filed in our county clerk of courts office in XX/XX/XXXX. I have sent this deed to Chase and my dedicated relationship manager 61 times since XX/XX/XXXX but they just keep telling me that they need a deed with my name on it and repeatedly ask me to send my deed of assent to them again. 

Chase also refuses to acknowledge my homeowners insurance verification form. My dedicated relationship manager has told me that he can not find these documents even though I have sent them to Chase 61 times since XX/XX/XXXX. Receipt of our documents arriving at Chase from XX/XX/XXXX to XX/XX/XXXX has been confirmed by USPS certified mail, XXXX, XXXX, Chase branch bank managers, and a specific person ( unnamed for this complaint ) in the " Chase Customer Life Events Department '' on the afternoon of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Continental Finance Company, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, Target breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.

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 2018-07-31
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
medical data systems never sent me a dunning letter they just put this account on my credit report.I do not have a contract with medical data systems and they is reporting on my experian credit report. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that medical data systems prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.The amount medical data systems claim that is owed and how you have come up with this amount.If you are unable to provide and show evidence of this claim then they will have to delete this account from my credit report as it is not valid.

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