BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am being told that I need to pay for another XXXX, but I do not feel as if that is acceptable. Here is the timeline of events and why I believe I should not have to pay for another XXXX : XX/XX/XXXX - I paid for a XXXX  that was completed on this date. 
XX/XX/XXXX - I received a letter stating the value of the property was {$120000.00} and the value needed to be paid down {$8400.00} for the PMI to be removed. 
XX/XX/XXXX, XXXX I received a letter from NewRez stating I will need to submit a written request to have the PMI removed once I paid the value down to below 70 % and that the XXXX was good for 120 days from the completion of the valuation. Since the valuation was completed on XX/XX/XXXX, the valuation would be good until XX/XX/XXXX. 
XX/XX/XXXX - I submitted a check to be applied to PRINCIPAL BALANCE ONLY as noted in the memo line, and in the letter sent with the check. That balance was NOT applied to principal only and I had to call twice to have the corrected. 
XX/XX/XXXX - The principal only payment was corrected and the loan was paid to below {$84000.00}. 
XX/XX/XXXX - I submitted a request in writing to have the PMI removed, AS WELL AS a request to have the escrow removed. I have included the email below that I sent on XX/XX/XXXX. 
XX/XX/XXXX - I called your customer service line and spoke with XXXX who transferred me to the supervisor XXXX. I was told me request for PMI removal would be escalated. 

Since then I have called seven more times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again and XX/XX/XXXX ). I have spoken with 11 different people ( XXXX XXXX, XXXX XXXX- supervisor, XXXX , XXXX- Supervisor, XXXX XXXX , XXXX XXXX , XXXX, XXXX- supervisor , XXXX XXXX, XXXX XXXX and XXXX XXXX ) to find out why my PMI request on XX/XX/XXXX had not been addressed. All 11 of those people stated they would either call me or email me back, and the only one that did is XXXX XXXX who called me back once to tell me she did not have an update for me. 

I paid my loan down to the amount you requested, well within the time frame you asked me to pay it down within, and I submitted a request in writing ( as shown below ) also well within that requested timeframe. Please tell me why I need to pay for another vacation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ALLY FINANCIAL INC.
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of XXXX I signed up for an Ally Bank promotion called " XXXX '' which offered a 1 % cash bonus to existing customers ( which I have been for over 15 years ), for new deposits from an external source for a total bonus of up to {$500.00} if {$50000.00} was deposited. 
I contacted customer service at Ally by phone on XX/XX/XXXX, asked questions and confirmed that I understood and was following all the terms of the promo. I enrolled in the promotion and opened a new Money Market ( which is one of the qualifying accounts for the promotion ) account # XXXX for the purposes of depositing $ XXXX new funds into Ally while on the phone with them. 
Terms of the promotion included : -Must be enrolled by XX/XX/XXXX I enrolled XX/XX/XXXX -Fund account by XX/XX/XXXX I funded the account with XXXX new money from XXXXXXXX XXXX  XXXX XX/XX/XXXX -Keep the new funds in the account thru XX/XX/XXXX. XXXX. I did not withdraw the funds until XX/XX/XXXX -Get cash bonus on or by XX/XX/XXXX. 
I have yet to receive my {$500.00} cash bonus to my money market account. I have left the account open for this reason. On XX/XX/XXXX I called Ally customer service and the rep confirmed that I had met all the criteria to receive the bonus. She then opened a case # XXXX. I was told I'd be contacted with in 2-3 days ( I was not ), and the case should be resolved in 7-10 biz days ( by XX/XX/XXXX ). No resolution yet. 
I have called weekly, escalated the case ( same case # ) on XX/XX/XXXX, have talked to several " managers '' and have receive little information or explanation. After the 10 days had passed with no resolution, I am now being told by Ally " their is no timeline " although I was told someone was " assigned to my case '' almost 2 weeks ago! 
On my most recent call today, the customer service rep told me that now most of her calls are from unhappy customers who have not received their cash bonus. I also sent a written letter of complaint to Ally this week. As of today XX/XX/XXXX, I still have not received the {$500.00} cash bonus from Ally Bank.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 unverified items indicated below are reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Trans Union I have tried to fix this and so did a lender in the past. I am alerting everyone no institution that deals with privacy manners should be allowed to use subcontractors or otherwise broken English speaking people, lets get together and make sure it is made Law. They say I own homes in Texas never happened with me, they let a Debt collector into a frozen account while they are looking at my account knowing I owe no Debt we have to put a stop to this abusive behavior.

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 2023-11-22
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Comenity Bank BJ 's Mastercard provided my private information to 3rd Party creditor XXXX XXXX XXXX without my permission. BJ 's shared my banking information with XXXX. XXXX 's sold my debt after it is was discharged without notification after several tries trying to rectify the situation. The amount of {$3400.00} was discharge by Comenity Bank BJ 's Mastercard. My private information-banking statements was furnished to XXXX XXXX XXXX by BJ 's Mastercard without my permission. My Bj 's account has since be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Information belongs to someone else

Complaint:
I BEEN A VICTIM OF IDENTITY THEFT. SOMEONE HAS USE MY PERSONAL INFORMATION WITHOUT MY CONSENT THIS IS VERY STRESSFUL THAT IM GOING THROUGH THIS SITUATION I WOULD LIKE THIS TO BE RESOLVED SO THAT I CAN MOVE ON WITH MY LIFE THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I DEPOSITED CHECKS TO MY CHASE BANK ACCOUNT IM BUYING HOUSE. THE PUTED THOSE MONEY ON 7 BUSSINESS DAYS HOLD UNTILL IT WILL BE CLEARED. NOW ITS BEEN 14 DAYS THOSE MONEYS WERE CLEARED FROM THE PARTIES THEY PROVIDED CHECKS. THE PUT MY ACCOUNT ON HOLD AND THEY ARE NOT REALSING THE FUNDS. THEY ADVSING THEY NEED TO CONTACT THE CLIENT TO VERIFIED THE FUNDS. THOS ECLIEANTS ALSO CHANSE CUSTOMER. WE ADVISED TO CONTATC THEM AND VERIFY THEY ARE SAYING THE PHONE NUMBER ON THE ACCOUNT ITS THEIR CELLPHONE AND THEY ARE NOT IN PUBLIC RECORDS. CUSTOME TRYING TO CALL THEM THEY ARE SAYING ACCOUNT HOLDER NEEDS TO CALL THEY WHEM IM CALLING THEM THEY ADVSING THEY NEED TO SPEAK WITH ISSUER. BACK AND FORT THEY ARE NOT ASSISING MY ACCOUNT FROZEN MY ESCROW CLOSING AND I NEED URGENT HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I BEEN A VICTIM OF IDENTITY THEFT. SOMEONE HAS USE MY PERSONAL INFORMATION WITHOUT MY CONSENT THIS IS VERY STRESSFUL THAT IM GOING THROUGH THIS SITUATION I WOULD LIKE THIS TO BE RESOLVED SO THAT I CAN MOVE ON WITH MY LIFE THANK YOU

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 2019-09-30
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I got my most recent credit score on XX/XX/2019. I have been trying to get my credit back on the right direction. i cosigned for a friend and they turned the car back in to the dealership and stopped making payments. This account is still reporting on my credit and affecting me from getting the house i want and the car i want. I made a mistake cosigning and now i have to suffer and not get the things i want in life. I asked that santanders remove this account because it is damaging my credit and they are reporting inaccurate payment history i sent a letter in the mail on XX/XX/2019 and never got a response. I ask that this account please get removed from my credit file i cant qualify for a car to get my children to school and get my self back and forth to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX XXXX and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and XXXX that the debit was valid and would remain on my credit. XXXX  removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do have account into Collection called LVNV Funding LLC Under Resurgent Capital Services. I owes XXXX XXXX XXXX  XXXX. Last year I signed the payment plan to save XXXX mean I will pay XXXX for 24 months on XXXX for installment. About 9 months later I has paid XXXX mean It is left is XXXX on balance. In XX/XX/2019, I called LVNV to see if it is XXXX to ready to pay full but this person at phone told me that balance is XXXX. I told it is mistake and I signed the agreed payment plan for XXXX on 24 months. They said no so I have evidence letter so I did send it to company but they are denied it. I decide to cancel that because they are not honest as their company. 

LVNV keeps sending me letter about this. It is not working out for that. 

On XXXX I got email from XXXX XXXX that LVNV has sold my account to XXXX XXXX XXXX. Now XXXX XXXX. I got a letter from LVNV that they sold it to Resurgent Capital Service. I don't know why I do have 2 account in different collection. That's why it is furious about communition because I am XXXX. so Now my account is in 2 different collection and I don't feel uncomfortable to have 2 different collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

has violated my rights. Or 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 2023-04-10
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Lease started on XXXX  for 2 years. The dealership ( XXXX XXXX XXXX XXXX XXXX ) set me up with Ally Bank. I was told I would be able to purchase the car for the specified Residual Value at the end of the lease. 

I am interested in buying the car and do not need financing. 

However : Ally Bank is not willing to sell the car to me and guides me to find a dealership in MA who would buy the car from them and sell to me. 

XXXX XXXXXXXX XXXX XXXXXXXX is willing to do it only if : 1. I take financing with them. 2. Pay {$500.00} for them to check the car. 3. Commit to pay whatever they think is needed to cover anything they might find in their exam. 

I talked to other dealership and no one was willing to buy the car from the bank for me. ( rightly so... They said they never heard of such a request ). 

I am still interested in realizing my right in the contract to buy the car at the end of the lease. I do not need financing.

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 2022-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
on XX/XX/22 Equifax website would not permit me to log in. 
The XXXX website said it was temporarily unable to process the request to login. 
I then called the equifax automated system to lift my credit freeze and the automated phone system did not recognize my inputs. Both the website and phone system is malfunctioning. The number I called is XXXX XXXX XXXX the website is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase in on XX/XX/XXXX never got my purchase delivered ask for Direct Express to refund my money sent them the tracking number where it showed that it was stopped at customs in XXXX XXXX as final status. I explained that I never got my log splitters that I paid for but Direct Express would not reverse the charges. I made a complaint to Senator XXXX XXXX office and they referred me to your department. Could you please help me recover my funds. The card used at the time of the fraud was XXXX XXXX XXXX XXXX Master Card XX/XX/XXXX I immediately cancelled that card and they issued me a new card XXXX XXXX XXXX XXXX Master Card XX/XX/XXXX. 
17 Track tracking number is XXXX XXXX XXXX last update was XX/XX/XXXX. Did not make it XXXX SC. I Never got these three items I bought two at at XXXX and another purchase at XXXX because it was such a great deal. This was a scam. Phone number on card for customer service is XXXX but that number will put you on hold for hours and then hangs up on you.Comerica fraud center number is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My checking account is through Huntington Bank. My Mortgage is with XXXX XXXX. I received a call from XXXX on XX/XX/XXXX indicating that my payment was not received. I sent my payment using bill pay offered by Huntington Financial on XXXX but XXXX never received it. At this point, Huntington is charging XXXX in late fees. I called Huntington and they are putting back the money they withdrew from my account on XXXX but are refusing to take responsibility to cover the fee from XXXX. Huntington Bank chose to send the payment via mail and not electronically and is not taking responsibility for losing mail ( check ). Their response to this matter is that we are not responsible for the payment to get to its destination. I was with TCF bank for over 15 years before that and never had a single issue. TCF merged with Huntington in the fall of XXXX and Huntington took over customers and accounts. As soon as this happened, I am having issues and Huntington does not want to take responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: OH
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 filed for Bankruptcy in the XXXX XXXX XXXX XXXX XXXX OHIO Docket # XXXX and the accounts that were included in my bankruptcy were not removed and/ or deleted from my credit reports which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-01
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company wanted to speak to a name no associate with me they also wanted me to verify my ssn however i told them i needed to know where they calling from and who they were. After numerous attempts of trying get information from them, They made verbal threats stating that they would hurt my credit and by law they would withdraw money from my bank account.

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