BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: Alliance One, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account with AllianceOne collection agency. I tried to contact them multiple times in XX/XX/2021 in regards to an upcoming payment I wanted to push back a few days until my next payday. When you call the number on the bill they provide it says you must leave a voicemail and someone would return the call. I left messages several days in a row, to no response. I then went on their website and filled out a " contact us '' form in hopes between leaving messages through voicemail and leaving messages online someone would contact me. Up til now I still have not received any type of correspondences from AllianceOne. My payment was still processed as normal via automatic payments although I requested via voicemail and online NOT to submit my payment. This month I received a letter from a different collection agency saying they are taking over the account so I've been again, trying to contact AllianceOne to ensure my automatic payments are stopped since I now have to set up arrangements with a new company. Same issue this month, no answer to the number on their bill, I again, submitted an online request for someone to contact me ( even selected they can contact me via e-mail and/or phone ). Still no response. The phone number on the bill they advise you to contact is XXXX. My attempts at reaching the company are as follows : XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX, XXXX XXXX @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am owed {$990.00} for a vehicle we have purchased and had to send back because nobody had a tittle for it. It was payed in full and we are owed the remaining balance they sent a check with me and my fathers name on it and we could not cash it or deposit the check so I sent it back to them and they said they would not send another one and we could not use it as a payment for the vehicle we have now. I have tried numerous times to have them use it for the payments and they have refused to do so.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: MS
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:
Dispute : Texas Attorney General Office # XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX. 

The account identified with the Texas Attorney General Office # XXXX shows I currently owed {$51000.00}. That amount is grossly inaccurate because I had consecutively paid the payee since XX/XX/XXXX, and the Texas Attorney Generals Office has proven fully satisfied and released the debt. 

The date of XX/XX/XXXX, the first delinquency on my report, is inaccurate and should have never been reported as delinquent on the consumer report. All three credit reporting agencies have continued to report inaccurate credit information mentioned in this letter.

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 2022-09-07
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Chase due to the response I received. 

Recent delenquency on credit report That I have sent proof that it was an error being corrrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. The actions of your bureau have left me deeply troubled and frustrated. What I find particularly perplexing is that both XXXX and XXXX have taken prompt action to remove the disputed accounts from my credit report, and yet TransUnion has chosen to dismiss my claims. This stark inconsistency in your response only adds to my distress and frustration. XXXX XXXX XXXX XXXX XXXX. Please delete.

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 2022-05-20
Company: Navient Solutions, LLC.
State: IA
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:
This student loan originated XX/XX/1996, original amt was {$38000.00}, it is an FFELP consolidated loan, I was a student then and my husband had graduated and we got call after call about reconsolidating our student loan debt, locking in interest rate ( 9 %- which may have been decent back then ), eventually we did consolidate. Since then, it has been a LIVING nightmare. My husband has a XXXX XXXXXXXX, is currently on complete XXXX, we had to place loan in deferment/forbearance at times when he would be hospitalized. Fast forward to current, HIS original principle was d/c years ago based on his being XXXX, but I have now been assigned full burden of this loan and EVERY year I fill out my IDR application and Navient literally does not process my application in a timely manner, there are numerous obstacles thrown up by them which takes ALOT of time to deal with as it is almost impossible to speak w/anyone who can actually help, I have to escalate to supervisors and often times NEVER get the call back that I was promised ... I document EVERYTHING. I am a registered nurse so I know how to document and I do so thoroughly. I have been told that nobody can touch this loan - meaning I can not consolidate its ( I think now I can under the new rules? but I was advised NOT to because my payments start over ), Navient has put my loan into forbearance WHILE THEY PROCESSED THEIR OWN ERRORS ( I start the IDR application at least a month and half before it's due - and it NEVER FAILS to go passed the deadline because of THEIR ERRORS ... .my time has been reset and my payments set to zero toward the 120 payments, I have always made my pmt 's even when in the forbearance THAT THEY HAD TO PUT IT IN DUE TO THEIR NEED FOR MORE TIME TO PROCESS - BASED ON THEIR ERRORS- and I'm told that it's just tough luck, nothing can be done about that... there is nobody that I can speak with about it, it is literally SO WRONG and I can not imagine ILLEGAL at this point. My loan did not qualify for XXXX forbearance nor any Covid assistance plan, I have made my payments on time through both while other loans allowed no payments and/or froze interest accumulation ... .I have ALL OF THE DOCUMENTATION to support my claim and I am 100 % wanting to do whatever I have to to see what can be done for my loan/situation but also to prevent this from ever happening to anyone else. This has caused me SO MUCH STRESS AND XXXX  over the years- I'm done playing their game. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called Credit Acceptance on XXXX XXXX2022 for payoff quote it was up to XXXX XXXX2022. Total amount was {$9200.00}. I called for another quote to possibly extend it until XXXX XXXX,2022. That payoff quote was {$10000.00}. I asked representative why so much, she said she didnt know, she asked my mileage at that time just as the first representative did on first payoff. On XXXX XXXX2022 I called back credit acceptance, paid loan off over phone with a representative. They did 3 transactions of {$2500.00} dollars and 1 transaction of {$1700.00} and also charged my bank account {$9.00} for each transaction. At that time once it was completed the representative told me I would be getting a refund for vehicle service contract I had cancelled that same day. He told me I would get letter in mail and I should get most back because I never missed any payments and Im paying off early. I received letter stating I would be a cancellation refund of {$1700.00} dated XXXX XXXX2022. I called on XXXX XXXX2022 asking status of refund representative then told me I would be only getting {$95.00} back that they put it towards what I owed. I talked to supervisor she said the 2nd quote representative didnt ask me mileage I said you record your alls she said yes I said then listen to it because she did ask me. She said she wasnt changing it. I paid all interest, finance charges, rebate charges. And paid loan early I believe I should be paid full refund. I asked supervisor how did they come up with the amount of {$95.00} because that was my weekly payment.She had no right answer. I kept asking her I pay a loan off a year and half early never late, and all interest finance charges and they try give me a lousy {$95.00}. I said they are crooks.

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 2018-02-06
Company: EQUIFAX, INC.
State: NH
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:
I have tried to dispute an item with Equifax and could not ever reach anyone.. My report with Equifax was fine originally, but for whatever reason Equifax decided on their own merits to show it now late. XXXX   has updated their records regarding the student loan account.. If Equifax doesnt comply and soon, then I feel the only option left for me is to pursue a remedy in either small claims court or through the federal court system. The item in dispute is an account from from XXXX ( a private student loan service company ). 

The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were. I have proof from them that now that erroneous information has been corrected. That the credit bureaus are lacking in correcting my data in a reckless and dangerous not to mention callous manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Experian and XXXX reporting the account status being closed but XXXX XXXX is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and Experian is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't XXXX XXXX or Experian reporting any payment history? When was I reported late with XXXX XXXX or Experian? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.

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 2022-09-07
Company: WELLS FARGO & COMPANY
State: NY
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:
Account ending in XXXX On XXXX XXXXXXXX XXXX  this account was closed for no real apparent reason. The closure of this account will negatively impact my credit rating and will hurt me. I have had this account for years with XXXX late payments. 

I called Wells Fargo on XXXX XXXX and spoke with XXXX who was no help, who then transferred me to XXXX who wasn't any help either. 

Today, XX/XX/XXXXXXXX XXXX  I called and spoke with XXXX who was less help than when I spoke with XXXXXXXX XXXX XXXX combine.

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 2018-10-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a dispute with my Chase credit card that I disputed online last week. As the online form was not complete on information on next steps and how Chase Credit Card would notify me of status I called tonight XX/XX/2018. The Dispute number from Chase Credit Card is XXXX. During the call as we were wrapping up the call the agent from Chase disputed that I was recording the call even though Chase before connection to the agent stated THEY WERE RECORDING the call. Nowhere in an Chase Credit Card or Chase Bank account information states that they CAN record the conversation while the customer can not. The agent transferred me to a supervisor where I specifically asked is it's Chase 's policy to record calls and the customers can not and the supervisor stated it WAS Chase policy. So I am left with a dispute on my credit card where I can not call into CHASE because their policy as admitted by the agent and the supervisor is that I can not record the SAME call they ARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: DC
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:
Equifax keeps, stores, and tracks my personal information without my consent and then used insecure computer information technology systems to store this information. This led to the unauthorized disclosure of my personally identifying information to hackers. 

It is unacceptable that I should have to pay to place credit freezes on my reports at all three credit monitoring companies. 

Equifax needs to be held accountable, provide free LIFETIME protection, and pay a significant fine to every affected individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
unfortunately i decided to make a deposit at td bank on monday night! the ATM was working perfectly after I put the money inside an error message appeared saying I even have the photos! 
then the message appeared saying that the machine had a technical problem and that he would not be able to return the money or make more deposits, and asked me to put the deposited amount! unfortunately I didn't check the correct value but I know it was around XXXX  to XXXX! 
because I always deposit and the machine counts the money so I didn't count it because I never imagined it would be stolen by the bank itself then I changed the ATM and deposited another XXXX and that deposit worked!! 

on tuesday i tried to call this bank and the phone just does not work i called several times! I can't go there because it closes at XXXX I can only go on Friday but I want them to give me my money back! they put in the app that i only deposited a XXXX dollars thats a lie they stole me i want my money back and then i want to cancel the account and then file a lawsuit against this XXXX bank for all this inconvenience!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: M&T BANK CORPORATION
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: Problem with personal statement of dispute

Complaint:
Step 1 : What is this complaint about? A derogatory mark ( late payment ) was placed on my credit report. I was not responsible for the payment per court order after my recent divorce. This late payment ha

s harmed me and is a deformation of my credit character. It needs to be immediately remove d. My credit score dropped 83 points after this derogatory mark was placed on my report. It has impacted my financial future by causing me to be denied a loan on an investment property. Step 2 : What type of problem are you having? The derogatory late payment mark needs to be removed from my credit report. It has impacted my score significantly and I am not and was never responsible for the payment on the house that was awarded to ex-wife after court order. ( See divorce decree ) Step 3 : What happened? I was recently divorced. The court order in the divorce decree
awarded my ex-wife the house and stated that my ex-wife and ONLY she would be responsible for the payments and any fees incurred concerning the awarded house. The court order also stated that all payments must remain current by ex-wife as they had been previously when I paid the mortgage for the previous two and a half years. 

Step 4 : What company is this complaint about? M & T Bank Step 5 : Who are the people involved? The employee or supervisor in charge of submitting the late payment in which I was not and is not responsible for. I have called M & T Bank several times and sent in a letter, and the late payment is still listed on my credit report. It is the only payment that shows late on my report in which by court order I was not and I am not responsible for the late payment. This late payment needs to be removed from all three credit bureaus immediately. I would not like to be denied another loan in the future for something I was not responsible for per the court order. Had I been ordered by the court the responsibility of the payment I would have made them on time as agreed as I have done with all of my financial obligations.

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 2021-09-24
Company: Mercedes Benz Financial Services
State: CO
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:
I disputed a 30 day late that occurred on my account in XXXX of XXXX  during the stay at home orders due to the pandemic. My XXXX was not able to survive and we had to shut down. My letter explained they violated the public Law No.116-136 ( XX/XX/2020 ) Coronavirus Aid Relief, and Economic Security Act or The Cares Act - Section 4021. I had called them regarding my business closing for good, and that I was having a hard time making the payment. I made the account current that very next month and still is current. They responded to my letter stating their reporting is accurate. Yes as it may be that a payment was late, but in accordance with the Law stated above they are in violation for reporting the 30 day late. I ask that it gets removed, per Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I don't have the exact dates but about a year and a half ago the collection agency out of California named Cavalry Portfolio Servic repeatedly called my mom, grandma, enployer and myself, after we all told them to stop. Also they threatened legal action regarding my debt, as well as discussed personal information about my debt with my mom, XXXX XXXX, who let me know right away. I notified them about this, requesting they remove my debt but instead they lied about all the violations in which they knowingly committed and refused to remove it. Luckily my mom was a manager at a debt collection company so she made sure to explain that what Cavalry Portfolio Servic did was unlawful and that I should file a lawsuit if they don't remove the collection from my credit report.

Company response to consumer: Closed with explanation