BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: ALLY FINANCIAL INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Im submitting this complaint with ALLY because my credit score was negatively impacted due to ALLY reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to ALLY ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to ALLY for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. ALLY either did not properly send a request for payment from my bank, or did and something prevented the money transfer to ALLY. I was never properly informed by ALLY about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to ALLY. I only found my original payment was not posted when I logged into my online ALLY account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to ALLY. I'm only bringing this issue to the attention of others now because I did not know ALLY was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by ALLY. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for ALLY to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.

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 2020-10-30
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have federal student debt that was refinanced by the private lender XXXX and later sold to Mohela. When I login through XXXX/Mohela there is language indicated that payments and interest on student loans has been postponed due to National Emergency. 
I applied for forbearance due to National Emergency with this lender, and I am still accruing interest. When I spoke to customer service they indicated because my federal student loan was refinanced with their private company, I am not eligible for 0 % interest during my forbearance. There are several reasons I wish to file this complaint. 
1 ) Companies offering to refinance federal student loans, due to under the premise of offering borrowers relief through the form of lower payments, etc. I was not informed when switching my loans to this company, that I would no longer be able to qualify for assistance/aide in the event of a National Emergency that I would have been afforded had I left my loan with the federal institution, therefore I could not have made an informed decision about this. 
2 ) I would argue that this is quite unethical to take advantage of borrowers during a National Emergency by refusing them financial assistance that they would have been entitled to had they left their loans with the original lender. It is taking advantage of consumers during a vulnerable time. 
I believe that these private lenders should be subject to the same guidelines as federal lenders during this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an email on XX/XX/23 from someone trying to add to a Cash App that I supposedly sent to someone else. I did not send or set up any Cash App transactions. I also do not have a current active Cash App account. I have not sent or received any new Cash App requests. The person contributing was XXXX XXXXXXXX and the transaction identifier is XXXX XXXXXXXX. I know this is fraud or an attempt at phishing or an attempt to access my device or banking information. I did not set up a Cash App account to my current financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX Account # XXXX XXXX XXXX Account is showing a late payment for XXXX 2017. I WAS NEVER LATE ON ANY PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is a request as authorized by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] On XX/XX/2019 Transunion received a letter from a credit consulting company I hired to dispute and update my credit report which the company incorrectly claimed that the payments reported on account XXXX XXXX XXXX  # XXXX were inaccurate although this should have been reported as incorrectly opened due to fraud. After realizing the companys error, I sent in a letter on XX/XX/2019 I disputed the following account XXXX XXXX XXXX  # XXXX as being incorrectly opened due to fraud. 
I received a Transunion letter of investigation and report # XXXX on XX/XX/XXXX, Transunion described that as a result of their investigation results the account was DELETED from my credit report. Subsequently in a letter dated XX/XX/2019, I received a letter that Transunion contacted the creditor and determined that the file has been verified and therefore re-inserted to 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 2019-07-02
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC
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 XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Regional Management Corporation
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company is Regional Finance.I paid my debt in full on XX/XX/21. I had to wait 10 business days before a written letter from this company would email and/or mail out to me a letter that this account is satisfied. I have called twice and it is repeated to me, " its in the mail ''. Please assist with me obtaining this letter. This loan is paid in full. I would like to submit the letter to the three credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Blackhawk Network Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was issued a prepaid mastercard card, but it did not work at many vendors, and when I tried to successfully use it, the card expired and there was no way to receive the remaining balance. This is like receiving a coupon that expires, not cash. My understanding is that it was illegal to make fund inaccessible from a prepaid credit card. Blackhawk Network will not return the money. I would consider this a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY 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 2023-11-24
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made two payments to my account one on XX/XX/XXXX and one on XXXX XXXX both payments were deducted from my account on XX/XX/XXXX and the on XX/XX/XXXX. 

My bank has verified the payments were transmitted successfully and the funds were received by them. 

The payments have not reflected in my availably credit show XXXX when my available credit should be XXXX. 

I have contacted Milestone and they advise me that it takes 14 day for payments to post to your account and reflect to your availably credit. 

My bank advised me that Milestone received the funds on XXXX and XX/XX/XXXX and if they had not recived the funds the funds would not of been posted to my account by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: SIMM Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XX/XX/2018 I, XXXX XXXX, opened a letter from XXXX XXXX XXXX. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to XXXX XXXX XXXX for that reference ID. I made a payment to SIMM Associates, LLC in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXXXXXX XXXX. At no time did I indicate that the payment be for the XXXXXXXX XXXX XXXX XXXX. I believe XXXX XXXX XXXX is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on XXXX XXXX XXXX. I did send the company an email requesting more information, but I believe this is an attempt to gain leverage by misapplying the payment an old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Well my score dropped a lot of points how come?

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 2023-04-28
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
So every since I got my car with the bank Santander consumers theyve been charging my card and taking my money and then not applying it to my bill so then my bill is XXXX something dollars on top of that Im paying almost {$700.00} for a car thats having issues already. They are aware of them double charging me and they refused to refund me. So then they told me theyd just apply the money they took out my account to my future bills and now they are saying they lost the payment and that I had to pay XXXX dollars when they are already taking money out of my account, they say my bank reversed it but my bank did not reverse it. They even got on the phone with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX  XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, Finance 6. XXXX/XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX  XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX/XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never had a master card or a XXXX XXXX account. I havent opened a credit card in 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Credit Protection Association, L.P.
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 information incorrect

Complaint:
I had a cable bill and when I terminated the service with XXXX XXXX I noticed they over charged me. After 60 days of negotiation and showing the receipt from when I turned in my cable box compared to when they originally said i stop my services. They then agreed and adjusted down the bill which i promptly paid on XX/XX/XXXX Fast forward I have a collection account on my XXXX ( and presumably the other two ) from an outside collection company. That never contacted me directly via mail or any other method. They put a collection account on my credit 0nXX/XX/XXXX and show that I paid them on XX/XX/XXXX Had they contacted me I would of disputed the validity of the debt and informed them that I would only deal with the original " creditor '' since this happened XXXX XXXX sold out to XXXX  and I can not pursue that avenue. When contacting the collection agency the automated response asks for my acct # when I put it in it responds " your account is paid and closed '' and I get hung up on. I have disputed this with the credit bureau and within 1 hour I get the same answer. I have a copy of my bank statement that shows I paid XXXX XXXX directly. I have no way to defend myself the original creditor no longer exists, the phone calls and dispute resolutions are automated and don't allow for my input. XXXX paid to have my credit monitored and this all happened within one month so I didn't even know it was there. If you look collection agencies timeline XX/XX/XXXX to XX/XX/XXXX included 3 Saturdays 3 Sundays and 2 legal holidays XXXX and XXXX XXXX XXXX actually less than 14 business days please help.

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 2020-10-30
Company: LoanCare, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had my home and the same mortgage company since 2015 I believe. I have made every single payment on time up until Covid-19. I filed the correct paperwork and I called my mortgage company to opt for the deferred payment plan. I'm now receiving bills that say I owe over {$11000.00}, my credit score has taken a complete dive and now its about a XXXX which is absolutely awful. 
I've called Loancare over 10 times, get put on hold, get a supervisor with promises to call back the next day and never do, got an email stating I would hear back with 15 days which never happened. 
This is the time for people to refinance their homes because of the rates and I'm not able to because it looks like I'm currrently behind in my payments. 
Since my restaurant reopened and I was back to work I started to once again make my payments on time after the 90 days that I asked for. 

I'm currently on the phone with them as I type this and again I'm being given excuses and told a supervisor will have to call me back. 

There must be something someone can 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 2020-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
I sent certified mail requesting Validation of Debt and Method Verification for the following accounts over 30 days ago : PORTFOLIO RECOV ASSOC : XXXX ; XXXX ; XXXX ; XXXX Per the FCRA 611, please provide a description on the steps used to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: FL
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:
m not liable with XXXX XXXX XXXX XXXX. i do not have contact with XXXX XXXX XXXX XXXX. they did not provide me with the original contract as i requested. 



correction to me my credit report i demand this account be remove 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 2023-06-13
Company: Global Lending Services LLC
State: MD
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:
Late payments from Global Lending XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 495 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation