BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Ally  Auto owned the loan to my XXXX, in mid XX/XX/XXXX my husband sent them a check for {$25000.00} which should have more than paid off the loan. In late XX/XX/XXXX I called to find out why the check had not cleared and found they had posted the check for only {$25.00}. It took over a month to clear this up. The check has now been correctly posted for {$25000.00} and a refund of {$1400.00}. ** was supposedly mailed on XX/XX/XXXX. I called to find about my GAP refund and was told it was included in the refund ( it is not, the math doesn't work ), I was then told that GAP refund would take 45-60 days. I had cancelled the GAP insurance in early XX/XX/XXXX through the dealership ... I called XXXX XXXX and they confirmed that the refund they issued cleared their bank on XX/XX/XXXX. I called Ally back and gave them this information, after transferring several times they stated that they found the refund {$410.00} but it would still be 45-60 days. I feel I shouldn't have to wait this long, especially since they have had the money over 30 days and that they should be paying me interest on the money they have held over 10 days ( that is more than enough time to cut a refund check ). As of today I have not received refund of the overpayment or GAP they owe me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/2020 my mortgage has increase by {$120.00}. I have contacted myloancare a few times trying to get a better understanding of my escrow information. No representative has been able to give me a full detail breakdown of why this has occurred other then saying " unfortunately I do not have any additional information ''. I know my insurance and taxes went up monthly together a total of {$51.00} estimate but that still leaves an estimate of {$77.00} unaccounted for that they are unable to tell me why. A representative told me is a miscalculation from previous year ... .how can that be if this is only my second year. What are they comparing the shortage of {$77.00} a month too? They are unable to justify the huge increase of {$77.00} shortage a month that has been added to my mortgage.

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 2020-04-30
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a collection letter from XXXX XXXX  XXXX XXXX, d.b.a. Speedy Cash. I have never done business with a company of either name. That same day, I responded to them in writing disputing the debt. In my dispute letter, I explained I had never done business with them and requested evidence that I was the debtor. 

In response, I received a copy of an unsigned credit application. I did not receive any evidence that I was the borrower. The company claimed their investigation showed I was the borrower. It is exceedingly clear they failed to conduct as reasonable investigation as required by the Fair Credit Reporting Act, and that they have not met their legal obligation to provide evidence that I owe the debt they are attempting to collect. 

As the victim of identity theft, I am appalled by their callous disregard for the law. Based on my experience and their lack of evidence, I suspect this firm routinely violated anti-money laundering requirements to " Know Your Customer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: IN
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:
Upon receiving my daily Experian and XXXX  credit reports on XX/XX/2020, I noticed that two previously removed items were re-inserted. The accounts in question, XXXX XXXX, ( account # XXXX XXXX and XXXX XXXX ( XXXX XXXX were deleted previously due to the company 's failing to properly identify me. This is a blatant violation of the FCRA, which it appears reporting violations are becoming a regular practice of Experian and XXXX. Moreover, in accordance with the FCRA, if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: IL
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 fraud I have had alert on all three Credit bureaus Experian, XXXX, and XXXX. Neither company have removed the inquiries. I am very angry and on top of being a middle class XXXX  XXXX. Can you please help and assist me with this I have sent in letters to the credit bureaus still nothing. What can I do to help myself or what can you do to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
for the last year and a half I been dealing with this situation with Commenity credit card company.I have written letters and they continue to say 15-45 days we will help and resolve this issue pending investigation with no response from the company, I have requested phone calls and emails from them and they continue to disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On or about Monday, XX/XX/2018, I submitted a XXXX orders from XXXX 's to be shipped to my granddaughter, to XXXX, NY. I put the wrong billing address for the bill to be paid on my charge card. I have called on several occasions to correct the problem. I am told it is to late. The problem is I don't want my credit card number going to this address. I have spoken to several workers, XXXX, XXXX XXXX and XXXX XXXX. 
I am told they have fixed it and I should be getting an email since Monday. ( XXXX ). The order number is XXXX. When I called today it is the same problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
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: Account status incorrect

Complaint:
Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX, Equifax, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account with chase is # XXXX i pay for legal services trying to save my home with company call solution foreclosure I send to this company two cashier check one for {$600.00} and another for {$1500.00} for some reason I found out the this company dont have a regular lawyer so I call the company to reverse this fees the company agrees to return my fees {$1900.00} from XXXX XXXX XXXX   check number XXXX check # XXXX the check ready clears from XXXX XXXX chase will not give to me my founds to hire my other lawyer I been evicted from my house and I need to stop the eviction chase is holding my founds my account with chase is # XXXX XXXX XXXX I want to get my money to fix my problem I dont ask for money free I been calling the person assign to my case XXXX XXXX XXXX XXXX case XXXX she dont return my call leave tree messages to her please help me to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover card member since XXXX. 

On Wednesday, XX/XX/XXXX I received an email from Discover informing me they had closed my account which was in perfect standing with a XXXX  balance. They provided three reasons which included : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Proportion of loan balances to loan amounts is too high I believe they closed the account due to inactivity since I haven't used the card after paying off a balance transfer last year of approx. {$7000.00}. However, regardless of the reason, I find it completely inhumane that a company would do something like this during these unprecedented times. I shared that when I called the company on Thursday, XX/XX/XXXX to discuss my options. I expressed I found it extremely disturbing they would do such a thing during this pandemic. I also shared that I believed they closed my account to minimize their risk because of the pandemic. What if I needed this lifeline during these times for me or my child? Not to mention how it will impact my credit in the event I need to pursue other options. 

The lady I spoke to was apologetic and said there was nothing the company could do. Their agreement states they can close an account at any time. She suggested I apply again to Discover. I didn't understand this reasoning since they just closed my account. I realized I wasn't going to get a resolution from the call, so thanked her and hung up. That's when I looked up how to file a complaint against Discover.

I want to close by saying that I find it utterly appalling that Discover would treat their customers this way during these times when so many other companies are sending emails to ask how they can help. Is Discover helping other customers? If so, am I being discriminated against?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Last year I upgraded my Marriott credit card with Chase to the XXXX XXXX credit card. This credit card has a higher annual fee ( {$95.00} ) and additional benefits, such as a annual free night certificate for rooms up to XXXX points ( instead of the XXXX points offer on the {$85.00} annual fee credit card ) on the account anniversary. Last year I paid the {$95.00} annual fee for the upgraded card, however the annual free night certificate I received was for a room up to XXXX points and not XXXX points. I contracted Chase, however they are unwilling to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions 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:
Experian, XXXX, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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 bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XX/XX/XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially XXXX XXXX that doesnt help on anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
A couple time I asked to prove which method they used to verify the information and they never send me any documentation proving how they find out or method used. by law they need to provide. but the never did. On XX/XX/2019 Report # XXXX. I asked and they respond accurate information. XX/XX/2019 Report # XXXX. Same respond. XX/XX/2019 Report # XXXX. Same respond. The account need to be deleted by law. Because the process was incorrect. I was able to fix the situation with XXXX without problem. They can not verified and they deleted the account. 

Account XXXX # XXXX ( XXXX and TransUnion )

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 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital-One 360 : I sent {$1000.00} on XX/XX/19 to XXXX XXXX using XXXX from my 360 account after 5 day she had not recieved the money. So I call the Bank, they said it was being processed after 5 days Wow. I said Ok i will wait couple days. XXXX call me again and said she had not recieved any money yet now it's XX/XX/19. I call Capital one again the agent said it being process again 14 days processing thats to long. Of course I was very upset and demanded my money back ASAP they said they would have to make a claim this could take 10 to 45 days. To make a long story short here the person I sent the  money to needed it on the XXXX, how can a Bank hold up your money 24 to 45 days? I want my money back now how can it get it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a copy of my credit report and found the following item ( s ) to be errors

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am submitting a complaint because there have been multiple violations against from the credit bureaus, I sent several letters and I have yet to hear anything and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying secure financing for a property and this is becoming a heavy burden on my personal family Life.

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 2018-11-07
Company: U.S. BANCORP
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I just received a phone call on my work number from a company answering to claims and litigations, aka XXXX XXXX. I never give out my work phone # and these people knew my social and all sorts of information like a legitimate debt collector would know. After being connected to another person who claimed to be a lawyer it became apparent that something was wrong. First, he said i had a US BANK account that discharged in 2014 and that money was owed but i never did and in fact, just recently closed an account with them. I would think they would not have even opened it in the first place if i owed them money. He said something about i committed fraud by using 2 id 's. When i questioned him he shut me up and would not answer any of my questions. I wanted to know what the balance owed was and he shut me up. I asked for an itemized statement of amount owed to be sent to me and he shut me up. He spoke really fast, so fast it was hard to communicate with them. It was almost like a scammer but legitimate debt collectors are just as shady so who knows. I have the company information which called me. XXXX XXXX  they answer to claims and litigation at phone # XXXX they gave me a 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 2018-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt with the credit reporting agencies and they continue to validate it without providing the information I have requested. I have also asked them to stop calling me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
my loans was sold to XXXX XXXX from BANK OF AMERIA ( BOA ) in XX/XX/2018, I was making my monthly payments on time and there is where the problem began. I noticed that on my credit report BOA did not report my payments at all the any credit bureau. I called several time to resolve this issue and was informed that they don't do that at all. then I called XXXX XXXX and informed them of the situation and they were unable to assist me either, I asked if they would report it to XXXX and they informed me they did but could not answer why BOA did not. Also XXXX raised my mortgage payment {$500.00} from one month to the next for a period of 12 months, because they stated that when they bought the loan from BOA they did not inform them that I was {$6000.00} unbeknown to me and that there was nothing they could do. This put me in a financial situation, that I'm just treading above water.

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 2018-11-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 Rushmore loan management raised my principal and interest $ XXXX/mo. Even though Im on a % 4 fixed?!?! Called them for 4 Mondays after that with no explanation. Ive provided them with my loan docs which show a loan of XXXX at % 4 which equals a $ XXXX/mo P & I payment!

Company response to consumer: Closed with explanation