BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Back in the beginning of 2019 ( XXXX ) notification was sent to us that Ditech was changing the payment process and there would be separate accounts for the mortgage payment and the homeowners insurance payment. We did not receive statements in XXXX or XXXX and the XXXX statement must have arrived late because I do not recall receiving it. When I checked my account online, XX/XX/2019, I saw that there was {$2000.00} in an " unapplied '' funds status. I immediately called Ditech and spoke with a representative. On XX/XX/2019 the status of the unapplied changed to {$780.00}. On XX/XX/2019 the status of the unapplied changed to {$7.00}. My monthly homeowners insurance amount was {$200.00}, I do not recall how many payments but shortly after creating a separate account for the insurance they changed again and our payments went directly to the insurance company. Even though they set up a separate account they still took money from the mortgage account for the insurance. I sent a letter dated XX/XX/2019, my first written correspondence. I was, in the past, able to see my payment history and how they continued to change it. I printed screen shots every time I looked and it changed. I am concerned because my funds still continue to sit in the " unapplied '' and they do not post my payments prior to due dates causing me to pay more in interest. The most recent on XX/XX/2019 there was {$1000.00} in unapplied, this amount does not equal the amount of my payments mailed. This amount was not posted as a payment until XX/XX/2019, 3 days after my due date XX/XX/2019. My statement generated XX/XX/2019 shows principal {$860.00}, interest {$580.00}, funds in suspense ( {$32.00} ). I am also concerned that the total amount paid to them in 2019 is incorrect, payments made to Ditech from my checking account total {$10000.00}. This amount does not included insurance once they separated accounts so XX/XX/2019 would only be {$200.00}. On the XX/XX/2019 statement their Year To Date totalpaid is {$9800.00}. 
Before Ditech was in bankruptcy my payments were applied as received, now they hold and forget about them. I make a payment every two weeks based on the pay period, which means I have made two additional payments in one year as bi-weekly is 26 pay  periods.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Experian Information Solutions 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:
DENIED CREDIT DUE TO XXXX XXXX, XXXX, AND EXPERIAN CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN

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 2022-10-06
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received and email from Chime Bank on XX/XX/22 with the following message : Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX, XXXX I immediately tried to access my account and it blocked access, stating the account was closed and for questions to call or email. I immediately called XXXX and received an automated message that my account was closed and it hung up. Future calls on XXXX and XXXX I can not get through to a person. I emailed on XXXX and received 2 auto messages that they would get back to me. On XXXX I received an email with this Chime has closed the account ( s ) in question per your request to prevent further unauthorized activity. 

Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card.. 
There was no mention of how I would get my funds back. I emailed several more times and have heard nothing. I did not authorize for this account to be closed and need my funds asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
According to 16 CFR 433.1, 433.2, 433.3, creditors are not allowed to report anything on my credit report unless I specifically authorized. 

I hereby OPT-OUT of any/all reporting by any/all credit reporting agencies and creditors, effective immediately and will be forwarded by CFPB. 

These reporting agencies are abusive and will NOT comply with recent requests/demands. Therefore, I revoke/rescind and/all of their privileges with respect to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX often offers no interst if paid a certain date. I took advantage of these. My statement would generate on the XXXX of every month. Payments made that day for instance XX/XX/22 would not count for that statement period and they would charge interest even though a payment was made by the XXXX of the month. 

I did have a cash advance loan. I paid the amount in full about a week later in XXXX. XXXX would reallocate my payments in such a way to keep loans alive and to generate interest. There is no way for the consumer to direct the paymetns. They claimed you could with the chat feature but multple chats they did not So I was charge interest after payments during a billing cycle and fees for not paying during a billing cycle when I did make a payment within the cycle. I made payment for a statment dated XX/XX/22. XXXX made XX/XX/22 and XX/XX/22 were not counted as payments for the interst and fees charged XX/XX/22. This has occurred agaian and again. 

XXXX claims it takes two billing cycles for a payment to show. 

XXXX says synchoncity bank handles their payment plans but synchronity still advertsies 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 2022-01-20
Company: A.R.M. Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter out in regards to the Misleading & Inaccurate things I saw reporting on my credit report. Almost XXXX days later I still have not received a response and this is my XXXX attempt! This is causing me a great deal of stress & I feel like Im being taken advantage of. In Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives reason to immediately remove items from my credit report. I demand that these accounts are deleted immediately as I feel forced to file XXXX for the heartache & stress that this matter has caused 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2022-12-09
Company: EQUIFAX, INC.
State: IL
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 called Equifax requesting the following hard inquiries on my credit report that I DID NOT authorize be removed immediately : XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I would have to have the companies remove them. Both company and creditor is sending me back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/XXXX of this year 2022 they placed it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Fig Tech Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
They approved without validation of income or proof repayment. Im self-employed, and my business income was consistently going down I had multiple overdraft fees in both my business and personal accounts. My credit card usage went up, and my credit score went down drastically over the past year. I was desperate for income due to medical bills, and this is by definition, predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment.

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 2021-02-02
Company: ALLY FINANCIAL INC.
State: TX
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:
When I filed a second dispute of a charge-off that Ally Financial placed on my credit report, the company updated information in my credit file to alter the date that they first reported the charge-off illegally, in order to re-age the entry and sell it to a debt collector. 
I initially disputed the charge-off that Ally first reported in XXXX of XXXX as I was a victim of Hurricane Harvey in XXXX, TX. In XXXX of XXXX when my lease ended, Ally did not remove the fees that were supposed to be dismissed due to my status as a person affected by Hurricane Harvey. Ally began reporting charge-offs to my credit file from XX/XX/XXXX though XXXX of XXXX. When I filed a second dispute with the credit bureaus, in an attempt to raise my credit score, Ally then changed the information showing that the payments were current up until XX/XX/XXXX and reported a new charge-off starting in XX/XX/XXXX. I immediately received a call from a collection company about this disputed amount. It is clear the Ally fraudulently changed the information which was two years old, to falsely sell it to a collection company that it represented to collection company as a new charge-off.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is illegally showing on my credit report as an Alleged Debt. This account is fraud and has been wrote off as bad debt by the issuer. This credit account is NOW a INCOME. INCOME IS NOT SUPPOSE TO SHOW ON MY CONSUMER ACCOUNT. THIS IS A {$1000.00} VIOLATION and I will pursuit litigation if this account is not removed.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX, # XXXX XXXX XXXXXXXX, has violated my rights 1 5U S C 1681 section 602 A States I have to privacy 15 U S C 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnished a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any report containing any of the following items of information any Other adverse item of information other than records of convictions of crimes which antedates the 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This company HAS NOT done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: DISCOVER BANK
State: NC
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:
The company has violated my FCRA many times in which is a violation of my rights!!! I have reached out to the executive office and still did not get the proper resolution. I also sent proof of these FCRA violations, and the creditor still did not take proper action. I have reviewed different reports from XXXXpresent and there are multiple FCRA violations that the creditor has violated!!! Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. Reporting a balance after the account is paid off in full is a FCRA violation. Reporting different account statuses, balance, and payment history among all 3 credit bureaus is a FCRA credit violation.

According to section 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. 

This company has violated this FCRA section and is obligated to remove this account per my request! Not complying with the FCRA can subject this company to statutory damages of $ XXXX {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CarMax, 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: Information belongs to someone else

Complaint:
XX/XX/2021 I contacted CarMax and allowed them to run my credit as I was trying to buy a car and my credit I was trying to rebuild which I made vary clear to them, long story short, I was approved for a vehicle, when it came time to arrange delivery of the vehicle I told them I would pick up in XXXX, when I called to make arrangements a manager spoke to me and said when you get here I need you to sit at my desk and pull up your bank information in front of me so I can verify everything, I was blown away after I told him what I felt I backed out of the deal, it was clear they profiled me I know this because I have been to prison once for identity theft, which I paid my debt and never repeated, then they proceeded to run my credit over 52 times after I was approved, the CARMAX dealership in XXXX is where all those inquiries came from and I live in XXXX, I've spoken several times to CarMax customer relations I fully admit I did about 15 applications during that time looking but not the 72 times that has appeared and partially still appears on my credit report, I was at a XXXX rebuilding those and partially my efforts took me to XXXX I still need a car and this is delaying it I have my own business on the side and can't do it or get to my job, this the pandemic, the, XXXX XXXX dealerships, it's just like parole it's not set up to help a person who wants to succeed do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PRA. Replied to a complaint and i will attach the letters sent and as you will see that was not my address, so no wonder I received and notification, PRA. Soft pulled my XXXX report XX/XX/XXXX so they should have seen my address, and that address is not mines .... so no communication was sent to therefore i did not get my time to refute the claims .... furthermore both accounts was deemed fraud by original creditor and PRA will not be able to give any documentation that proves i owned this account .... need these gone from my report asap I was never contacted My current address is listed on the government documentation and and utility

Company response to consumer: Closed with non-monetary relief