BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by XXXX that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did Ally Financial not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to XXXX that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and Ally Financial has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report Ally Financial has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.

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 2020-10-14
Company: PREFERRED CREDIT INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am currently having an issue with Preferred Credit. I called them back in XXXX to find out what this account was for. They informed me that though it was for an old vacuum, they were not collecting this debt. When I asked why there is a balance and why it is even on my credit report, they couldn't tell me. The representative spoke to a supervisor and then told me they had nothing to do with this account anymore and it was sent back to the distributor. I even spoke to the supervisor myself and they told me the same. I then disputed the account with the credit bureaus. I never received a response from the credit bureaus or Preferred Credit. I checked up on  my credit again at the beginning of XXXX and the account IS STILL THERE AND STILL HAS A BALANCE. Credit reporting IS an attempt to collect so Preferred Credit should have removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRUIST FINANCIAL CORPORATION
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To whom it may concern Please may I request your help in resolving a  dire situation. On XX/XX/2019 I purchased a vehicle from a illegitimate auto dealership titled XXXX XXXX  in XXXX  XXXX Wisconsin. The dealership was forced to close shortly after I purchased the vehicle in question.The dealership has now moved to XXXX Wisconsin as their headquarters. The issue in question here is the vehicle was sold fraudulently. The automobile has required upwards of {$20000.00} in necessary repairs. More importantly it has been brought to my attention by the XXXX dealership of XXXX Minnesota that the automobile has been in a major head-on collision ever disclosed. I am involved with a lessor that the dealership is involved with known as Regional Acceptance Corporation that has confirmed to me that my lease terms are for 7 years duration as I was never reviewed the details of the lease nor was I ever given paperwork. The dealership at the time stated to me that their office would send forth all paperwork never to be received. furthermore it has come to my attention that the odometer in the vehicle has been tampered with and was possibly disconnected for a duration of time. I have attempted to negotiate with both the dealership and the lessor to no avail.I have requested to voluntarily surrender the vehicle only to be threatened with a charge-off being reported to all three credit bureaus. This entire transaction was illegal. The vehicle was entirely misrepresented. I have reported the dealership to the Wisconsin Dealership Complaint Board as well as to the Iowa Attorney General, the Wisconsin Attorney General and the State of Wisconsin Consumer Protection Bureau.All service records pertaining are available for review. 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 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
Applied for Capitol One Justice Credit Card. Received a denial letter stating reason was " legal action pending against applicant ''. It does not state with whom either. As far as I know I have no legal action pending against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
I XXXX XXXX sent disputes via Equifax on the dates of XX/XX/2022, XX/XX/2022, XX/XX/2022 along with the ftc report and along with ID, Ssc, to remove fraudulent accounts and inquiries that are on my credit report due to ID theft Equifax didnt any investigation closed the investigation with any explanation or documentation of proof of proper validation with my signature, I am victim of Identity theft and Equifax isnt honoring non of documentation even tho it is valid documents I am asking that the cfpb investigates this because this has been a on going issue that I have with Equifax several times I have sent proper documentation and they dont remove or do anything at all I have filed several complaints with cfpb in regards to this issue and nothing is being done about it, prime example I dispute information send proper documentation the investigation is closed the same day it is opened or a few days after it is open I would like for something to be done about this or I will be forced to take proper legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: ND
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 has been very irritating to work with. I spoke with XXXX XXXX  back in XXXX to remove a negative account. They charged it off back in 2016 for {$1900.00}. They decided to give me a second chance so they just cancelled it out. Spoke with Equifax and XXXX after to let them know. I sent the letter from XXXX XXXX  over to them both and neither have updated it. Equifax at least agreed to remove it where XXXX  just told me no. I also have 14 hard inquiries and should only have 4. 5 or 6 from the last week for a car. I have a car. Not sure why I have so many. The only ones I should have is for XXXX, XXXX XXXX, XXXX card, XXXX card and I believe a XXXX   XXXX, one. Not even close to 14. My credit went from over 700 to less than 650 with these issues. Id appreciate if it can be fixed. Working on my credit to buy a home in a year or two so I've  been careful not to do too much with my credit. I appreciate any help you guys can give me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Store credit cards, specifically XXXX and XXXX, do not allow for auto pay or recurring payments. This is an issue for someone such as myself who is attempting to take care of bills for an elderly member of the family. This is not a difficult feature to add. I feel like it should be mandatory to offer an auto pay feature. The stores that do not are likely just hoping that you forget to pay the bill to charge you the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We just refinanced and NewRez LLC has taken over our loan. They have not paid our property taxes that were due XX/XX/XXXX. It is now XX/XX/XXXX! 

It took 3 times to call them for them to even figure out they should be the ones to pay the taxes!! I have had to call 6 times and talk 2 two different supervisors while being on 45 minute holds or told a supervisor isn't available. My property is being put up for a tax sale and the taxes are due on the XXXX. They knew this urgency and sent the money via USPS without tracking, instead of XXXX overnight. I have been told i would get confirmation they sent the payment. They see it in the notes and I was not notified. They just sent the check on the XXXX and my county has not received it. I ask for them to cancel the check and resend overnight via XXXX and they said they can't until the XXXX, which is when the payment is due.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The incident first accord XX/XX/2018 the. On XX/XX/XXXX my account was closed for the second time for the same reason which was no reason at all, and both times my credit score went down 60 points making me unable to get a house or apartment. This is taking a toll on my life and this can not keep happening Ive made all my payments on time kept my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Franklin Collection Service, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX I mailed a certified dispute letter to FRANKLIN COLLECTION SERVICES and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on XXXX  they also have over 300 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told to send in my bank statement so they can see that I check did clear. I sent my information on XX/XX/18. I was told that they were going to garnish my bank due to a returned check on XX/XX/18 and I made a payment on XX/XX/18 to make up for that payment. So I was sending my statement to avoid garnishment. I called XX/XX/18 to check on the status of not having a garnishment because of this returned payment because I sent a cleared one. XXXX a representative stated that I had a garnishment on my bank account since XX/XX/2018. Because I made a payment of XXXX and another one for XXXX. I have been sending in payments. I did not know of any garnishment until XX/XX/18. I told XXXX she did not know her job. I wanted to avoid a garnishment so who can I send the payment to? She stated that my bank is going to be garnished anyway so no point to send a payment. XXXX than called me right after I hung up because she felt the need to harass me at XX/XX/18bat XXXX XXXX. After I hung up on her. Why garnish my check when I have been making monthly payments. I know it is unfair. XXXX XXXX XXXX  sent me a notice XX/XX/18 stating that my check was returned if my attempt to make this payment give them a call. I called XX/XX/18. To resolve this situtuation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/XXXX a fraudulent application for credit was was initiated under my name. I received an inquiry alert on XX/XX/XXXX and immediately called Chase Bank. The fraud department at Chase flagged the application and assured me the inquiry would be removed from my credit file. I followed up by phone on XX/XX/XXXX because the inquiry was still on my credit files and was told by a representative that it was indeed flagged fraudulent will should be removed. On XX/XX/XXXX I send a certified letter to Chase requesting them to remove the inquiry in writing ( see attached ). Chase responded ( letter attached ) asking for information I had already provided in my original letter ( date of inquiry, credit bureaus reported to, etc. ) and stating they would investigate in 30 days. It has already been over 90 days since my initial communication with Chase. I have also attached my FTC identity theft affidavit, as well as, credit reports still showing this fraudulent inquiry. I attached a screen shot of my credit profiles verifying fraud alerts were placed on my credit profiles on XX/XX/XXXX after learning of this activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: MO
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:
In the past years I have filed bankruptcy and was a victim of identity theft to the highest degree from my personal information and banking. I had to close 2 checking accounts because the thieves ran fraudulent checks using fake information and my social security number which my retirement pension deposit was and the funds were gone. In order to protect my social Security Deposit and my retirement I had to hold my deposits until a safe bank account could be opened. During the year and half my phone and computer were re encrypted so with the help of the phone service and WiFi with the cable company my old phone was monitored in the effort to report. My credit report is bad and will never recover. Are there any options available for recover. I have paid for all credit agencies to protect and report to no avail. Today I received another letter of denial from my bank for a small loan for less than XXXX $ All the money was to be deposited back in to my bank account. Some of the loan funds were for over XXXX $ in overdraft fees both of my retirement funds and social security are directly deposited each month thank you for your help and time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance Owed : {$630.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on 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 2020-05-13
Company: ID Analytics, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've tried confirming to see if Sage Stream has Opt me out and put a Freeze on my account but no response back within last 60 plus days. Since no mail or email, I decided to put freeze in and opt out again last week

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have been cleared to close since late XXXX but the mortgage and title company have been unable to arrange a closing, many closings have been scheduled only to be cancelled either at the last minute or after we have been waiting for the people to arrive or even 6 hours after the scheduled closing making no sense ... we are now going to have to incur additional fees from Wells Fargo to update our appraisal and the like even though we have agreed to at least 8-10 closing dates which they have failed to show up for - and we are upset about the title company incurring any more fees - we have even had title attorneys calling us yelling at us for the closing getting cancelled because the title company did not communicate with them ... and on top of that we have had to allow more credit reports to be pulled lowering our credit since the prior ones expired given how long the closing was taking.

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 2018-08-14
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
After having this home equity for almost 14 years, they have sent me a notice advising me that my hazard insurance on the home expired in XX/XX/2018 and I have to provide proof of hazard insurance or they will buy insurance for me and bill me the cost of the insurance. Not only do I have hazard insurance and have had it the entire life of my mortgage but it doesn't even renew in XXXX. My home insurance has never lapsed or expired and I have mailed them a copy of my declarations page from my insurance company and I have called them several times to advise them I have hazard insurance have always had it. They have never requested this before and I have never been threatened with forcing my to pay for insurance I don't need or want. They advised me that they never verified it the past 13 years because they had a different computer system that didn't track this information but now they need it. I have sent them the declaration page like they requested and they have no right to purchase and bill me for insurance that I didn't request. They keep sending me notices threatening me saying their records show the hazard insurance expired, how could that be when then never had record of it or who my insurance is for my primary mortgage.

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 2020-08-25
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: CCS Financial Services, Inc.
State: LA
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 a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
when asking XXXX  to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION

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