BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: Byrider Franchising, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX the vehicle was returned to JD Byrider ( CNAC ) due to losing my employment and not able to keep up with the payments. The company then sold the vehicle and stated they will send me information on what was left and due. I emailed XXXX XXXX on several occasions from XX/XX/XXXX - XX/XX/XXXX requesting documentation with no response. I sent a letter back in XX/XX/XXXX requesting, contract, bill of sale, and additional information and it was ignored. I sent another letter in XX/XX/XXXX & XX/XX/XXXX requesting the same information and it was ignored. As of today, XX/XX/XXXX, I spoke with a XXXX at CNAC who basically told me that there 's nothing they could do. I would have to pay {$9000.00} in which that was the original amount of the loan. And I should learn how to pay my bills. I requested documentation and was told that they did not have to respond or give me anything as I am NOT a customer of there establishment. If they will not provide the original contract, bill of sale for when they sold the vehicle then why I am being held liable. They are reporting this a charge off to my credit DAILY but wo n't do anything to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ally Bank is the worst!!!!! I initiated a XXXX to someone and they never received funds, a week later I went to send it again, but realized the first XXXX I sent out, never came back, so I cancelled the second one. I contacted ally bank and a lady told me wait 13 business days. After 13 days, no funds were issued out, so I complained about it, then they credited me my XXXX back, I sent that to the person that I had waiting a month to receive their funds. A month goes by and the close out my account and even took away my access. Today I attempt to log in because I keep receiving emails from them, then all of a sudden it gives me access and I notice it shows my account is back open with a negative balance of XXXX dollars for a withdrawal on XXXX XXXX XXXX. This bank has been making errors for a long time, they also have been sending me mail saying I owed over draft fees when I contacted them they informed me that it was an error in their system and to just simply ignore it. This bank is ran digitally and the system is just trash. They are charging people then apologizing, closing accounts then opening them back up with a negative balance, theyre claiming the will send it to my credit which I worked hard to fix. I will be contacting a financial and banking attorney and taking them to small claims court.

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 2023-05-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2020-02-24
Company: ALLY FINANCIAL INC.
State: OK
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:
XX/XX/XXXX called and requested payoff amount to payoff XX/XX/XXXX. Amount given and paid in full XX/XX/XXXX XXXX checked online to make sure payment posted and {$24.00} late fee assessed. Called customer service and explained I was never informed there would be a late fee if paid XX/XX/XXXX and obviously amount not added to payoff amount. Requested the late fee be waived. Rep said he would request waiver. 
XXXX checked online fee still not waived called back told takes 24-48 hours XXXX checked online again still not posted called again informed that it was approved but they are waiting for it to be posted can take up to 4 days XX/XX/XXXX checked online again still not posted called back was told it was approved and they had some kind of system update causing issues please be patient. 
XX/XX/XXXX called and checked again no changes. A lot of apologies but no assistance. 
Called a few more times given the same story it has been approved waiting for it to be posted internal issues because of update apologies and request for patience. 
XX/XX/XXXX checked online again still not posted call again and request satisfaction department, speak to woman who acknowledges approved waiver says it has not been posted but she would put in request for release since it was approved should receive a fax copy in 48 hours. Never received XX/XX/XXXX called to 2 separate departments and was told NO managers to talk to department who posts credit gone for the day but they would send an email to have it reviewed and expedited, but release would not be issued until credit posted. 
3 weeks I have waited 3 weeks of being given the run around, 3 weeks of no one fixing the problem and 3+ weeks of waiting for a satisfaction because they cant fix problems on their own system update.

I and no one else should be punished because of their internal problems. I can not get clear title without a release from them to sell my car. It is unacceptable, they make promises and dont follow through, I am worried they are gon na report this on my credit as past due when it is paid in full. I have read numerous complaints about them and their predatory, unethical and useless customer service practices. They want their money and will ruin your credit to get it but wont complete the process once they receive their money

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 2020-09-04
Company: Reliant Capital Solutions, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Initial dispute date : XX/XX/2019 I have no knowledge of the account, and the company can not and has not presented the original paperwork with my signature opening the account. I did not open any credit accounts in XX/XX/2019. Yet, the company has stated that I opened this account XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: BANK OF THE WEST
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I pulled all 3 credit reports. I noticed The XXXX XXXX XXXX account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The XXXX XXXX XXXX. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an original account with Walmart synchrony bank it went to collections to a company called XXXX XXXX XXXX. I settled the account in full for less then the original amount, however I was told I would owe nothing further after this. XXXX reported my payment back to synchrony bank with a balance of {$210.00} which was the forgiven or pardoned amount in their words. After contacting synchrony bank I was told that the balance will still show as {$210.00} on my credit report and they have no ability to take a payment from me for that remaining balance. They can not report an amount that can not be paid so I want to make sure they clear this balance out to XXXX  I spoke with an agent XXXX with synchrony and she also processed a request to her credit department to make sure that this balance is XXXX. They should not be able to report this remaining balance if it was forgiven and if they will not accept a payment going forward. 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 non-monetary relief
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: OH
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:
I have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.

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 2017-08-09
Company: EQUIFAX, INC.
State: OH
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:
I have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: Global Lending Services LLC
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: Information belongs to someone else

Complaint:
In XXXX, my husband and I went to a XXXX auto sales place in XXXX SC. We both signed a document that allowed the sales representative to pull our credit. I am XXXX XXXX and my husband is XXXX XXXX. Once the sales package was presented to us on a XXXX XXXX XXXX, my husband, XXXX XXXX, declined the sales offer. In order to purchase the auto in just my name, I had to come up with more down payment. I have tried for 5 years to straighten this out with XXXX XXXX who handled the loan and they continue to say my husbands signature is on the loan when it is not. Due to XXXX XXXX refusing to remove my husbands name and derogatory credit history from all 3 bureaus, it has caused my husband to not qualify for other credit products. My husband wants this unfair credit reporting completely removed from his credit file. Whatever signature XXXX XXXX is going by is not my husbands signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: HW Holding, 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:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In XX/XX/XXXX Paypal placed a limitation on my account that is linked to a website that I opened in summer of XX/XX/XXXX. I am a XXXX XXXX living in XXXX, Colorado and I started this as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Everything is shipped from my house and I do everything myself. After 2 months of hustling I designed a product based on my customers feedback and it was an instant success. Starting XXXX I started making sales over {$7000.00} per day and the Paypal system flagged my account. I submitted all the documents that they asked for and that same day they came with the decision to limit my account permanently and now they are holding roughly {$52000.00} for 180 days. They just told me that my account was marked as high risk but they did not provide any further information. I kept asking and they just said that it was too risky for them to do business with me. I do everything the right way and I even provided them with all the information about the product I sell, the supplier, the invoices, etc. At this point I do not care if they hold my funds, I just want to be able to use Paypal again because my product sells around 50 % more if I have Paypal available in my account. I am willing to work this out because my company is transparent and takes the customer satisfaction very serious. I had very few complaints and felt like the limitation was completely unfair because I have been working for this over 3 months, day and night, and the USA system is known to reward those who are willing to work hard and deal with problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Payoff amounts were incorrect on Closing Documents multiple times. Also addressed with the lending officer that lender fees, and other payoff amounts were incorrect. Process was drawn out from XXXX XXXX due to mishandling of secure documents, and incompetency of lending institution. 

Please contact for further details..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my Experian letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and my rights as a consumer.

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 2017-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a written dispute to Equifax on XX/XX/17 to remove a XXXX XXXX XXXX account from my credit report that is not mine. To this date, I have not received a proper response to my claim and this account is still being reported to my credit. According to my report, it has an account number of # XXXX with a debt of {$8400.00}. The reason I am filing this complaint is because I have already spoken to this collection company in the past and they can not pull up any records that match my personal information. In addition, this account is only being reported by Equifax to my credit. It is not being reported by XXXX or XXXX which is another reason to believe that Equifax is reporting someone else 's account on my credit. I am attaching a screenshot of a recent report that shows this fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with Arcadia Recovery Bureau on XX/XX/20 in the amount of {$140.00} - with the agreement that they would close the account. On XX/XX/20 Arcadia Recovery Bureau reported to credit agencies that the account is still open and I owe them {$23.00}. 

Arcadia Recovery Bureau said they would email me a confirmation email - which they never did ( I even checked junk ). The confirmation # is XXXX. 

There is a pandemic and economic crisis and there is no excuse for these sick games.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle mortgage has not refunded an overpayment we made in XX/XX/XXXX. 

The confusion began when Dovenmuehle put us into a COVID forbearance without our consent. After numerous attempts to get our extra {$2000.00} XX/XX/XXXX payment back, I am still without that overpayment. We refinanced away from Dovenmuehle in XX/XX/XXXX and this {$2000.00} was never accounted for in our closing and remains outstanding. 

I have proof of payments made to Dovenmuehle from my bank ( s ) AND the Dovenmuehle website : XX/XX/XXXX {$2000.00} XXXX mortgage pmt from XXXX XXXX XXXX XX/XX/XXXX {$2000.00} extra payment made by mistake from XXXX XXXX XXXX XX/XX/XXXX Stop payment on XX/XX/XXXX executes for XXXX XXXX XXXX XX/XX/XXXX no check was ever received by us so that line doesnt count for anything XX/XX/XXXX Another {$2000.00} XXXX payment made to Dovenmuehle from my XXXX XXXX account to avoid threats of bad credit reporting from Dovenmuehle So we made 3 payments of {$2000.00} in XXXX and Dovenmuehle claimed we were late with our XXXX payment and threaten to tarnish my credit. There is no evidence showing where Dovenmuehle has returned any of these funds only the stop payment prevented the XX/XX/XXXX payment from going through. The XX/XX/XXXX check is a phantom - Dovenmuehle has failed to produce any evidence of this check being created, sent, or cashed. 

Ive had to spend a total of 5 hours on the phone with Dovenmuehle agents and supervisors and have gathered this proof just to document Dovenmuehle 's error. 

We are paid our mortgage diligently and any late fees need to be refunded as well. Any negative credit reporting must also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation