BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: ALLY FINANCIAL INC.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to Ally my difficulties. In XX/XX/XXXX I explained to Ally that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, Ally repossessed my vehicle on XX/XX/XXXX. After a few months, Ally contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the Ally account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX XXXX XXXX called, stating they had the Ally account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for Ally. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with Ally had been dismissed and closed. This is when the payments stopped. I noticed Ally on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows Ally balance due $ 12000+. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. Ally 's collection attorney 's have lied to me, forged my signature, and Ally is a huge part of this. XXXX XXXX XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has Ally contacted me with an answer. I searched the Better Business Bureau and found similar issues with Ally Financial as well as XXXX XXXX XXXX. I also searched your consumer search and found that Ally was sued for discrimination against XXXX XXXX, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing Ally, XXXX XXXX XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.

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 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was never 90 days late in this account but the Credit Bureaus were reporting it as late. I have sent my concern to them last XX/XX/2021, requesting for a reinvestigation and a copy of any legal documents to be submitted to my address or email. However, up to this date, I have not received any feedback from them. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: World Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

WORLD FINANCE CORPORAT is currently showing 30 days late for the month of XX/XX/XXXX and 90 days late for the month of XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received my credit report in XXXX of XXXX and noticed this collection agency called NATLCRSYS were trying to collect a debt from me for an unknown source called XXXX XXXX. I had no knowledge of this account that stated it was a collection of $ 1,000+. I attempted to dispute this debt in form of receiving VERIFICATION from this agency showing my signature on a contract where I agreed to owe this amount at any point in time. They have constantly updated this account on my credit report and closing the dispute without ever sending me verification of this account and the proof of how it is my debt. This has been going on since XXXX of XXXX. I would like to have this account deleted and removed from my account because it is not my debt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recov ASSOC Original Creditor XXXX XXXX XXXX is reporting incorrect information to my credit report. 
-Report two seperate reports -Payment status is incomplete -Date Last Active is incorrect -Two Year Payment History is not updated with all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax received my second dispute of inaccurate, unverifiable information reflected on my credit report on XXXX XXXX, XXXX. I have disputed the following accounts : XXXX XXXX XXXX XXXX ), Medical Account # XXXX, Medical Account # XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX, XXXX ). Equifax sent a response dated XX/XX/XXXX ; however, the 30 days to respond ended on XX/XX/XXXX. Additionally, ( see attached envelope ), I received this response on XX/XX/XXXX which is 10 days past what they have dated. Consumer law only gives them 5 additional beyond the 30 day investigation for delivery of response. 

I have provided documentation to Equifax on numerous occasions ( see attached ) to support the fact that the aforementioned companies are blatantly reporting inaccurate, unverifiable information. To prove my point, in my letter dated XX/XX/XXXX to Equifax, I specifically requested that they state what method of verification they utilize. To date, to no avail. Additionally, I provided them with the letter I sent to XXXX XXXX being undeliverable based on the address Equifax was reflecting on my report. How then were they able to verify this information with this company, yet the letter was returned to me undeliverable? Also, Equifax noted in their XX/XX/XXXX response that there was only 1 XXXX account reporting for their bureau ; that is a lie ( see attached credit report that I paid for dated XX/XX/XXXX, five ( 5 ) days after they supposedly sent my response ). Further, I sent Professional Debt a letter seeking verification of the entry they are reporting on my Equifax report ; again NO RESPONSE NOR REPLY FROM THEM. I then followed back up with Equifax providing copies of return receipts and letters sent to them, yet this item has not been removed from my report. 

These account entries all contain inaccuracies as well as lack verification from the company. It 's obvious that Equifax has no regard for consumer law and protecting my rights by ensuring that items reflected on their report are accurate, timely, and verifiable. Lastly, since Equifax did not respond to my request within 30 days, ALL ACCOUNTS I DISPUTED SHOULD BE DELETED FROM MY EQUIFAX REPORT! This bureau is violating my consumer rights with its reporting and continues to do so even after I have provided all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX  began to demand and add large amounts of fees. From the XXXX credit line, I went to owing XXXX. It did not matter if I had paid the current bill. A new statement generated larger than the first. I decided to cancel the card after a representative became immensely angered at my request to cancel the card services. He stated, " It doesn't matter if you cancel ; we will still charge you interest and fees even after cancellation. '' The cards were not canceled, but only the secondary card holder 's card was suspended. They also provided false information concerning when the account was opened. It was not opened in XXXX. It was supposed to be broken when requested, and three months later, I found the report was still opened. XXXX XXXX XXXX  conducts fraudulent acts that compromise the credibility of the person with the credit. The company promises solutions and has never delivered on those promised solutions. I was purposely put into a situation where they would report due months, forcing them to report to the credit bureaus. The credit bureaus were made aware and never investigated the case using evidence. No matter what evidence I present, the Bureau favors the creditors. Where are my consumer 's rights? Can this company threaten me in this manner?

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 2017-10-30
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I signed a lease with XXXX XXXX on XXXX XXXX XXXX and the lease was signed by both parties that the first payment and every payment thereafter will be on the XXXX of the month I have made each payment by the latest the XXXX of the month everything was fine till the XXXX statement where they changed my due date to the first of the month and gave me a late charge of XXXX after numerous phone calls to XXXX they state they can just change it to the 1st without notice and wont change it back they have broken the terms of the lease we signed and Imwant it changed back or they can take their car back. Please advise me of my rights in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company ( loandepot ) overpaid my property tax XXXX quarters in a roll for XXXX and XXXX XXXX. They made payments of {$7000.00} for each of XXXX and XXXX XXXX, but the actual amount due is only {$3500.00}. The total overpayment was about {$7000.00}, i.e. they maid double payment XXXX quarters in a row. 
Please refer to " Loan Activity.pdf '', the payments are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX Please refer to " Tax Inquiry - XXXX XXXX XXXX '', the tax due are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX I only discovered this issue around XXXX XXXX when they increased my monthly deduction claiming a shortage in the escrow account. 
I started contacting them to resolve this matter in XXXX XXXX, up until now the matter is still unresolved. The supervisor assigned to my case was extremely unresponsive and difficult to get hold of. I made multiple attempts to contact him only to be forwarded to a line that does not get answered. On multiple occasion, I was promised a callback but it never happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
Schools first is not reporting correct information on my credit report. 
-monthly payment amount -comments are incorrect on credit report -last active date -date of last payment is incomplete -two year payment history is incomplete -date last active is incorrect in

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: DISCOVER BANK
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Discover personal loan They send me offers then didnt give me the loan base on old information on my credit report Plus XXXX personal loans They offering and make you apply then said Oh we sorry we couldnt approve at this time Like its wrong every one deserves a chance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We took our car to what turned out to be an incompetent mechanic. They had the car for two months and everything that they touched they broke. A car that we had previously been able to drive to XXXX XXXX XXXX in XXXX, Ohio now has to be towed out of their shop. They refused to give us our car keys unless we paid after a lot of arguing. They forced us into it. They car required thousands of dollars of repairs after this shop. I have been trying since XX/XX/2018 to get our {$3900.00} back from Capital One. It has been a horrible experience and I have spent 50 hours on the phone with them trying to get money back that we clearly swindled out of. I have submitted a second opinion and 14 pages of documentation. Capital One has passed me around, given me incorrect information about there being two disputes open and one employee that had our case for three months and did nothing. Please HELP us. Capital One has made this process appalling. We just want our {$3900.00} back that we were cheated out of. Please reverse the charge! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
some one tricked me into giveing them my id and social security number then opend a credit card and an account at td bank then deposited a check for XXXX and when it cleared they took the money now td bank says im responsible and need to pay it back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX experian refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, My wife and I purchased merchandise from XXXX XXXX XXXX XXXX in XX/XX/XXXX. We were offered a 2 year no interest promotional offer using Synchrony Bank. The total purchase was {$2600.00}. We were paying the balance monthly with the intention of paying it off within the no-interest time frame of 2 years. We never carry interest on any credit card as the rates are astronimical. We called customer service to understand our balances since we have not received communication. On XX/XX/XXXX, our balance was {$1600.00}. On XX/XX/XXXX, our balance was {$3400.00}. We are in complete shock as to how the balance ballooned to this amount as we are unfamiliar with carrying credit balances and paying interest. 

Synchrony has not communicated that the promotional offer ended. We certainly did not remember that from years ago. We called Synchrony customer service to try and resolve this issue, with representatives hanging up the call 2 times in a row. The 3rd time, we were transferred to an Account Manager XXXX XXXX # XXXX ) who informed us that interest will not be returned. We were forced to pay {$3300.00} on Saturday, XX/XX/XXXX to avoid further fees. 

These credit card practices have been very deceiving. We were not aware that the promotional offer ended, and did not receive communication from Synchrony otherwise. Had we been informed that the promotional offer ended, we would have immediately paid off any outstanding balance from the original transaction. We are requesting a refund of all interest paid on this original balance of {$2600.00}. 

Thank you for attention to this matter,

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 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX transunion XXXX refuses to block lnvv funding toyoyta and XXXX card from my account the fcra law states that they have 4 days to block these accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax XXXX XXXX refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Colony Brands, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX -showed I owed them {$60.00} from an account on XX/XX/XXXX.I called the company at XXXX on XX/XX/XXXX and they said no account with my name could be located and if I had an account there then I would have an account number.XXXX XXXX also showed I Owed them {$60.00} from XX/XX/XXXX.I called them at XXXX on XX/XX/XXXX they also confirmed I had no account number with them.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check for {XXXX} to my telephone service provider, but the bank paid {XXXX} to that payee when my check was deposited. When I called the bank to complain, I was originally told they were sorry for their mistake and I would get a refund. But, after a week of waiting and two more phone calls, I was told that it was not a bank error because I had written " XXXX and XXXX XXXX hundredth dollars '' in the legal line of my check. Which they concluded meant that I wanted to pay XXXX XXXX XXXX dollars ( {XXXX} ) to the payee, even though I clearly wrote {XXXX} in the 'Pay to the order of ' line on the check. 
The bank is Bank of America, and the payee is XXXX XXXX XXXX of XXXX XXXX XXXX, Florida. Check number XXXX. Case number 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 2022-03-13
Company: EQUIFAX, INC.
State: ID
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:
HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX  XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.

Company response to consumer: Closed with explanation