BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: ALLY FINANCIAL INC.
State: OH
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:
As my lease was coming due I received an incentive from Ally Financial to purchase the vehicle with a {$4500.00} discount. I decided to purtchase the XXXX XXXX XXXX I was advised to contact XXXX to refinance the auto. They are powered by Ally Financial or XXXX XXXX or both. We went back and forth with financing partly due to arriving at a value for the XXXX since it was an electric car. 

XXXX came back with an offer and I felt I could do better with my credit union. I did get financing and I closed the loan and the payoff check was mailed. 

During the process I started getting phone calls from Ally. The number was XXXX and her name was XXXX. I believe that was her direct line. 
I called her countless times and kept her up to date on what was happending and even requested a payoff on two occassions. We were past a couple of months past the termination date. I have no idea what the connection is between Ally and XXXX but they cleary are n't on the same page. 

On XXXX XXXX I got a hold of XXXX in person ( returning her call ) and told her that I had closed on the loan and check would be on its way.She was very nasty and threatened that she was going to take back the vehicle regardless. There were some delays on my part due to a family XXXX and adverse medical situation I gave have her my loan officer and the institution so she could validate I went back to the bank on XXXX XXXX and learned that my loan officer was out of the office and would be back on XXXX XXXX. I went back on XXXX XXXX and completed the paperwork. I had my loan officer call and leave a message that the check was now on the way. XXXX did confirm that she left message on XXXX XXXX, XXXX at XXXX. She further indicated having prior discussions with Ally to validate the payoff in accordance with credit union guidleines. 

On XXXX XXXX, XXXX at approx XXXX to XXXX XXXX my car was involuntarily taken back. Obviously a malicious action given the above discussions and that the loan was paid off. 

Right now I would like to know where my car is and I want it back I will mitigate my damages in a different forum

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 2017-11-09
Company: Talbot, Adams, & Moore, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX This company Talbot, Adams and Moore have an account reporting on my credit report that was previously disputed and removed off my credit report. due to that fact i have never done business with this company and would like for this company to remove this collections off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my equifax credit profile which I have only applied for credit once in the last year. I went to apply for a new credit card from my bank and was denied to inquires. I pulled my report and saw 19 inquiries. I filed several disputes via phone and online with equifax which they refuse to remove. I called the police as well and nothing has been done. This is not fair. These were fraudulently done, I now have security notice that to open any accounts the credit company must call me to verify if its me. This is such frustrating situation. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: AL
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:
pursuant to the FCRA and The FDCPA these inquiries constitute misrepresentation because i do not recognize them listing as : 15 USC 1692, 15 USC 1681O ( A ), 15 USC XXXX they as in XXXX XXXX, XXXX, EQUIFAX, and XXXX are all in default of these {$1000.00} violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: DISCOVER BANK
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:
On XX/XX/XXXX I realized I needed to replace my car. It was suggested I investigate using some equity in my home to finance the car. I am a Senior Citizen, retired and do not have much banking and loan knowledge. I used the Internet and found many companies offering home equity loans. I clicked on Discover XXXX XXXX trying to find out what the interest rates were. I feel that I was tricked by this company. I entered information that the page requested. I simply wanted to see the interest rates. Discover Home Loans did a Hard Credit Inquiry on me without my permission. Their webpage does not disclose that not only are they doing a hard Credit Inquiry but they take any information request as an Application for credit! Then I got an email from Discover Home Loans saying they were working on " my application '' and I NEVER applied for anything. I also received an application package in the mail. It seems that requesting information to Discover Home Loans is some sort of Contract of Adhesion in their minds. I was shocked when I got an immediate Alert from XXXX. I called XXXX and was told I needed to call Discover Home Loans to get that Hard Credit Inquiry removed. I did that and was treated rudely by 2 different employees of Discover Home Loans and was told they refused to remove the Hard Credit Inquiry. I called them and emailed them and said I NEVER applied for a loan and I was not going to apply. I contacted the XXXX XXXX XXXX and received a response from Discover Home Loans denying my request to remove this Hard Credit Inquiry. XXXX will not allow disputes over Hard Credit Inquiries and has not responded to my complaint with the XXXX XXXX XXXX. Discover Home Loans took advantage of my simply researching rates and now my Credit Score is impacted. I need your help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a checking account that I opened with TD Bank several years back ( can not recall the exact date ). I did this because I was often away from home on the XXXX XXXX  and needed some banking options. They stated I need to keep a balance on the account to keep it open and not incur fees which I have. I live in the XXXX and have my mail forwarded to me. The last statement I received on the checking account was last year around XXXX which stated I had almost {$1900.00} in the account. There has been no activity since the last statement that would diminish the amount in my account. Today when trying to login to the account online to do some updates, the system could not find my account. I called TD Bank and was transferred around to 5 different people back and forth between departments - none of whom can find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I see that on my credit report I have a collection accout for {$1800.00} for XXXX XXXX XXXX in which I dont owe a debt to a XXXX XXXX XXXX I have received no correspondece I reported this to the credit burea as a result the open collection is now closed but closed with a balance of {$1800.00} I have never had a creditor on my credit with the name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have disputed the debt with Procollection over 6 times. I have not received a response from them. I have provided the necessary fraud forms but I have not received any reply

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 2016-11-14
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a case with New York State Department of Financial Services, XXXX, regarding an inquiry regarding who has regulatory jurisdiction to enforce New York State 's Unfair and Deceptive Acts or Practices statutes, citing specifically Key Bank 's failure to respond to my XXXX/XXXX/16 request for mediation using the NY State Attorney General 's program, and Key Bank 's failure to my XXXX/XXXX/16 business supplier submission, as Key Bank directed per my phone conference call of XXXX/XXXX/16, to be used as generating income to be used for a workout of the existing home equity loan of the Estate of XXXX XXXX. 
NY State Department of Financial Services referred me to CFPB, claiming that CFPB has regulatory authority over state law violations of a nationally chartered bank such as Key Bank. Is this true? 
Attached is a copy of the screen shots from my business supplier submission saved as PDF files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Quality Asset Recovery LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Quality Asset Recovery L # XXXX IS KEEP ON HARASSING ME FOR COLLECTION WHICH I HAVE CLEARED i was visiting usa in XX/XX/XXXX on a travelers insurance and as suggested by a primary health care visited the XXXX medical center for a XXXX. before asking or receiving the health care i have asked the medical center many times, i do n't have regular health insurance, i 'm visiting this country. please tell me the cost first and then i will check with my my travel insurance then will decide if i need the emergency care or nor. no one answered me nothing. they have not even resister my name. just asked to wait for the care. then they XXXX and discharged me without any registration. 

on my second visit a nurse XXXX and asked me to leave. on my way out they collected my travel insurance details, my name, and dob. i left the country after my business travel. 

when i return to usa in XX/XX/XXXX with a XXXX i found that there is negative entry in my credit report. called the collection agency and explained them my case. All they did is asked me to pay the amount around {$700.00} from my pocket. i have paid the amount with the help of my sibling. They promised they have removed the entry from my report. i still see the entry in my report. 

both the medical center and collection agency is doing wrong with respect to this great nations legal system. i would like to file a consumer harassment case against both the registered bodies. please guide me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX I went into the XXXX XXXX branch of US Bank on XXXX XXXX  to have a name change form notarized. I have had a checking account with them since XXXX. After the banker notarized my petition and while I was getting ready to leave, she said she put in for the US Bank credit card and that it would be showing up in a few weeks. I was never asked if I wanted this card. Further, it is deeply upsetting to tell someone I am changing my name and they are then immediately forcing me to have something new with my XXXX name on it. I had to call new account member services and take time out of my day so they could shut it down.

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 2016-07-29
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I do n't understand why each time I use the drive-thru service, the waiting time is greater than 20 minutes and longer. This happens even if I am the only one in line or not. I witnessed so many vehicles leave after waiting so long. Customer services is so poor. I push the button for service and have been told the line inside is too long and I have to wait. The wait is too long. Please help the customers in the drive-thru line with this on-going problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to get a loan modification ( either in-house or through the XXXX ) on my mortgage loan since XXXX. My loan was originated with XXXX back in XXXX. Of course, XXXX took over the loan and began to service it. I requested a loan mod with XXXX in XXXX after I lost my job. They told me that I would not qualify for a loan mod because I would not meet the income requirements due to the fact that I was out of work. They suggested and I agreed to allow they to place me in a loan forebearance program. They stated that I could apply for the XXXX loan mod once I was back to work. I went back to work in XXXX after being out of work for 10 months. So I contacted XXXX to request a loan mod. They sent the paperwork to fill out. I completed the paperwork and sent it back. They would repeatedly send me change Asset Managers on me where I would restart the process. They finally sent me a letter stating that I did not qualify for the XXXX because my investor was not participating in XXXX. I requested that they send me documentation for my investor. They sent a letter stating that XXXX was my investor. I contacted XXXX about my loan and they stated that they were not the investor on the loan but the trustee for the security that my loan was in. When I asked who owned the security, they verbally stated that XXXX owned the security. In XXXX XXXX, while in the process of sending in another set of documents stating that they would be transferring my loan over to Bayview Loan Servicing , LLC . So in XXXX XXXX, I contacted Bayview to request a loan mod. They sent the paperwork. I completed it and sent it back. They are telling me that my investor has not given them authorization to modify the loan ( in-house or through HAMP ). They stated that I would be able to do a short sale, deed in lieu of foreclosure, or bring the loan current. I am not in a position to bring the loan current. I know that XXXX ( if they are indeed my investor ) is participating in XXXX. I am really frustrated with this unethical behavior of XXXX and Bayview. I believe that they are lying about what options are truly available to me. I need help to stay in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) has violated my rights. 

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

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 2022-04-21
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 have continuously tried to get these negative items off of my report. Also These bureaus are in violation of the Cares Act...

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 2016-03-08
Company: Allied International Credit Corp., (US)
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a mail from Allied International Credit Corp ( US ) attempting to collect on a debt owed to XXXX. I do not have an account with XXXX or have not used XXXX in over 5 years. I have read online that this type of letter is an attempt at fraud and should be reported here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt was settled at lesser amount. Verbal agreed was made to remove debt once settlement payment was received. Collection agency refused to remove debt or report debt as settled.

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 2016-12-29
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have obtained a debt consolidation to handle the re-payment of this loan. The legal group representing me has sent out cease of communication letters well over 45 days ago. I continue to receive multiple calls a day at my place of employment. I have made contact with my legal group notifying them of the this issue. Since that time I have received a written warning from my employer regarding all these calls, thereby threatening my job.

Company response to consumer: Closed
Consumer complaint received 2016-04-04
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
During a Chapter XXXX status ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage company changed their name and address without notifying me or my attorney. Thus causing many of my mortgage payments to arrive late incurring fees, fines and penalties. Only after the discharge of my chapter XXXX, was I informed of the new name and address changes. Several telephone contacts failed to resolve this issue. They were unwilling to remove or forgive the unfair late fees, fines and penalties but offered to " ... spread out the outstanding balance over the remaining life of the mortgage or attached it at the end ... '' Before filing chapter XXXX, I was seldom late and after the discharge of my chapter XXXX I 've not been late. I 've received harassing telephone calls from my mortgage company requesting the " outstanding balance ... '' at least twice a week.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter mailed from AmerAssist " claiming '' I owed " The XXXX XXXX XXXX XXXX XXXX' {$100.00}. First, I don't recalled I had ever been to such doctor and checked on line but found there is no doctor office name called " XXXX XXXX XXXX XXXX XXXX  '' at all. 

So, I called to AmerAssist phone number given on the letter as XXXX XXXX. I asked them to give me the doctor office number. They gave me XXXX. I check on line for that number and it turns out to be a XXXX attorney 's number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation