BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: ALLY FINANCIAL INC.
State: NC
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:
Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXX XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2019-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We have been effected by the XXXX  Data Breach that resulted in identity theft ( SSA Case # XXXX ). Since that time, we have had an extremely difficult time maintaining proper cashflow into our household. We have had several accounts frozen and an inability to get credit. 

This has resulted in Bank of America ( which was our only Account that was unaffected but this crime ) to be low on several occasions. 

Since, XX/XX/2018 when this started, Bank of America has charged us {$2400.00} in fees alone. This is outrageous and should be criminal.

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 2021-12-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've attempted to send a dispute letter to the company with the address shown on my credit report. Letter was sent XXXX XXXX by certified mail and sent back with a " return to sender insufficient address unable to forward '' stamp. The amount is for {$59.00} with date assigned of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Americollect XXXX XXXX XXXX XXXX, XXXX, WI XXXX I recently contacted the above company by mail concerning verification of debted accounts. I requested original documents that they have with my signature connecting me with those accounts which I have the right according to the FDCPA. They have not provided me with the said request thus far. By reporting this to the credit bureaus they have damaged my reputation and credit worthiness, and may be in violation of other federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had issues with XXXX XXXX for the past 3 -4 years. In XX/XX/XXXX when I started my payments I asked about the amount that was due was not the same as the amount borrowed. I borrowed funds for 5 of the 6 semesters that I attended XXXX University for their XXXX   program.  I contacted XXXX XXXX about t he issues and they stated that it as nothing they could do. In XX/XX/XXXX I called and submitted for my loans to be deferred due to not working, The representative stated that I might get a letter stating that I would have a payment, but I would not need to make the payment due to me requesting for the deferment. However a few month later the XXXX XXXX stated that they had no record of me calling and requesting for the deferment and my payments had tripped to almost $1,000 a month. Again I submitted information and requested for the income driven repayment plan and my payment was changed to an affordable amount. In XX/XX/XXXXXXXX XXXX   did not notify me of my re-certify date and they again changed the amount due. Due to me not receiving notice of the change of the amount due I kept paying usual amount. However XXXX XXXX reported that I made no payments. In XX/XX/XXXX I received an e-mail stating that I needed to re-certify for my income driven repayment. There was no date listed as to went I needed to complete this re-certification so I attempted to call XXXX XXXX to clarify why my loan amount due had increased before completing my application, however I was not able to get through on the phone.. In XX/XX/XXXX I completed my re-certification and received an e-mail from XXXX XXXX   stating that my application was being processed. On XX/XX/XXXX I received an e-mail from XXXX XXXX where they again lied and said that I did not complete my re-certification. When I call XXXX XXXX it says that "due to high call volumes" I need to call back later and then the phone hangs up. XXXX XXXX is a dishonest company and they are simply being fraudulent in attempts to make people pay late fees and additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2021-08-16
Company: EdFinancial Services
State: OR
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:
On XX/XX/XXXX I was notified that my student loans were transferred to EdFinancial Services. 

At no point with EdFinancial was I provided information on how to ensure my payments would count towards the PSLF/TEPSLF. 

On XX/XX/XXXX I submitted my PSLF/TEPSLF and my students loans were transferred to XXXX XXXX. 

However, the records sent are missing numerous payments both to EdFinancial as well as my previous Direct Loan Servicer, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: American Credit Acceptance, LLC
State: NC
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:
Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AMERICAN CREDIT ACCEPT AUTO FINANCING COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Conn's, Inc.
State: TX
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:
Conn 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to Conn 's. I 've sent Conn 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called XXXX XXXX. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. Conn 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit bureaus ( EQUIFAX, XXXX, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ 0 Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last  payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CCS Financial Services, Inc.
State: PA
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 very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NV
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:
Hello, ChAse has a promotion on all there ink cards. Online it is stayted everybody with those cards will be able to participate, no registration needed. Now after spending the required amount Chase refuses to award those extra points. Now chase argument is that my account is not targeted. In this case chase should do a promotion with registration and dont mislead the public. I reached the first tree hold and stoped spending after I run into the problem. After several inquiries with case I am not getting this issue resolved. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
dual tracking XX/XX/XXXX while waiting for a social security XXXX case to finalize i tried to pre-empt a problem with wells fargo. got with a specific person XXXX XXXX. XXXX XXXX suggested a unemployment /income deferment for 10 months and 2 more if needed ( act 91 i believe ). started on the XXXX dollar /month payments when XXXX did not call in XX/XX/XXXX i contacted fargo got told a new POC was a XXXX XXXX who was a new fargo employee, instead of inacting the 2 month extension she initiated a modification application which i was told by several fargo people was available, XXXX lost 3 pages and i ended up in hosp 2 weeks i never heard from her again after 6 tries to contact then i get a call your in foreclosure. the call came that foreclosure process started on XX/XX/XXXX, with payments made thru XX/XX/XXXX and waiting on new bank card to make may {$25.00} payment. still XXXX do to the XXXX XXXX issues that put me in hosp., never heard back from POC XXXX just XX/XX/XXXX your in foreclosure call. I made a call to XXXX XXXX a vp in fargo anc complained it got me with XXXX XXXX who initiated a mod appl. during a modification process application and appeal sheriff left card on front door XX/XX/XXXX. called POC XXXX XXXX ( taking mod app ), and was told sheriff not from wells fargo due to my account in a foreclosure suspension. just want to re-start monthly payments as 1st mod, 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 2022-02-04
Company: Elevate Recoveries, LLC
State: TX
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/2022 ELEVATE FLAG MY ACCOUNT FOR A DEBT THAT I DO NOT OWE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Westlake Services, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. and the company called my childs phone and her boyfriend and a old co worker also some how called the church .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We acquired an Amazon Prime Chase VISA a few years ago. It is rarely used and we prefer using our other credit cards. The monthly charge is {$14.00} whether we use the card or not. I have tried all the different ways I can think of to get this card cancelled but have failed to reach anyone. The card is in my name but my husband has a card as well and both cards have the same card number. The phone numbers that you can call to reach the company states that there is a minimum of a 50 minute wait. I've tried to call numerous times, waiting 45 minutes the first time. I have now been on hold 42 minutes. I also tried going to the website but it wants information that we no longer have. I put in my name and the number on the credit card and the 3 digit number on the back but nothing seems to work. I destroyed my card a few years ago but my husband still has his and rarely uses it. When the bill came today we agreed that it is silly to keep this card and want to cancel it. I tried putting his name and social security number on the form but it wouldn't take that either. I do not know what to try next except to simply not pay them again. This is ridiculous.

Company response to consumer: Closed with non-monetary relief