BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: Williams, Rush & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by my mother in law about a debt that belongs to my spouse. I attempted to contact the company. They refused to speak to me. They states federal did n't allow them too. My spouse took a break from work because they are only available during his work hours. They threatened a judgement when a suit has not even been filed. They have called his family members repeatedly and have never called him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had a account With TD Bank and when I would get My check Direct deposit some of my check was missing things did n't add up. When I spoke to A Representative t try a straighten out no one was no help.I was of money my rent was back up because of it that happening to me. Then they said I had a lot of drafts which I did n't. So I stop using TD Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2022 I tried to see my credit report on XXXX and Equifax wouldn't let me see my free report. And also, on my XXXX app my credit score or credit report hasn't been updated since XX/XX/2022 for neither XXXX nor Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Phoenix Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Is a medical deb from Phoenix financial opened on XX/XX/XXXX it says but I had never been on a er I have health insurance a what happen was I lost my personal paper birth certificate nd never find em who know were the end up this was 3 year ago maybe My concern is did some. One ever. Did find my paper cuz I know for sure I didn go to no er or what ever medical issue was charged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: ECMC GROUP, INC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For at LEAST 2 months now, I have been trying to obtain information about my student loans. On XXXX XXXX, 2017 I sent a Debt Validation letter to the US Department of Education to see who is collecting on my student loans because they are showing In Collection on my credit report. When I call the student loan lender at XXXX  an automated message states that XXXX XXXXXXXX XXXX XXXX XXXX  is collecting on my student loans. When I call XXXX XXXX XXXX XXXX XXXX at XXXX they state that they are no longer collecting on the accounts and transfers me BACK to US Department of Education. SO neither company can find my student loans and I have NOT received anything in the mail from the Debt Validation that I sent out in XX/XX/XXXX.
Also the contact information that is provided on the credit report for US Department of Education is not valid. XXXX is not a valid number and should not be reporting on my credit report as it leads me to no answers.

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 2022-07-15
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
hello., I have submitted the formal complaint about your company as it follows below. 


in XXXX XXXX 2022 I placed a call to the company in regards to my special 1 year free interest rate offer soon to be expiring. I wanted to pay my balance off of my credit card and close the credit card. I was told by the customer service rep that they would not charge me interest rate as long as I planned on closing the credit card. My Ex girlfriend ( XXXX XXXX BOTH have a credit card with the company and we both were told that they would NOT charge the accounts. In XXXX or XX/XX/2022 I placed a phone call to the credit card company in regards to why the interest was charged to our accounts despite being told that they would NOT charge us. They charged us $ XXXX {$1300.00} i can not see the total amount as the website is down. I have called the company several times, made a few large payments, i want a call back from the manager ASAP. 







XXXX I placed 5 phone calls to commenity bank trying to resolve this matter and now it says my account is closed, I DID NOT CLOSE my account, I sat on hold now for well over a hour for someone to answer my phone, I did place a message through the portal on their consumer website. Now that I am trying to log onto the website to contact them and see where they are with helping me it would not let me log in and is telling me that I am now in a closed account which will not let me see what is the status of everything. this is now my 5th claim on CFPB against the company with NO LUCK. I am out of the country and this is ridiculous. I been trying to resolve this matter since XXXX or XXXX of 2022. I need a email update @ XXXX where they are with the investigation as I am out of the country and do NOT have any means of communication to them in the XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/XXXX I requested a copy of all 3 of my credit reports from XXXX XXXX XXXX. I reviewed my reports and Equifax did not have any inquires on my report. I recently have been trying to fix my reports and get a better understanding of them. I pulled my reports again each month after that and inquires reappeared on my account without Equifax contacting me. by law my legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to your report that they were intending to do so. I Demanded that all of the inquiries be deleted for this reason and this reason alone be removed from my Equifax report. Today is XXXX and i have been disputing the same issue with them. I spoke spoke with the Rep and have is information is needed. I also have the CR that I pulled in XXXX and my current CR. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do NOT have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for this collection from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Specialized Loan Servicing sent a letter XX/XX/XXXX stating I owed a debt by XX/XX/XXXX or commencement of foreclosure on my home. On XX/XX/XXXX I sent a validation of debt certified mail to Specialized Loan Servicing and it was received XX/XX/XXXX. As of XX/XX/XXXX I havent received a response from Specialized Loan Servicing pertaining to the debt in dispute. It has now been 59 days since receipt of my demands. According to the FDCPA the debt collector must provide verification of the debt. I have never received a statement from this company and never done business with this company.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: WA
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 acXXXX XXXX Account # XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 an account without my written instructions not to mention the fact none of these were from me they were false or fraudulent attempts

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 2017-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On X/XX/17 I set up auto payment for my new credit card account with Capital One. Apparently this auto payment information did not save? No one reached out to me, but when I logged in 3 months later I saw I was 2 months past due, 2 months worth of late fees had been assessed, my account was now past the limit because of the additional fees, and I now had 60 days late on my credit. When I reached out to the agent she suggested I perhaps updated my checking information. I did n't - and when I went to make a payment the information was still stored. She then suggested perhaps my email went to spam? Something like 30/60/90 days past due because of a glitch in the system require more than an automated email that goes to spam. When a consumer sets this up, the intent is that it works and they do n't have to check back in every month to ensure the company 's software is functioning properly. Furthermore, I tried to discuss this with the agent who gave me incorrect information, then continued to just copy + paste all of my past due dates, which does n't even start to resolve the problem. The chat was with XXXX XXXX, starting at XXXX. Her ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with lower.com about two years ago. At that time, lower.com transferred my mortgage to Homeside ( a subsidiary ) to be managed. I have had zero issues with Homeside other than spotty customer service.

Then the nonsense started.

1. I received a letter in XXXX of XXXX  saying that my mortgage was going to be transferred to lower.com in XXXX. 
2. I received a letter in late XXXX saying that my mortgage was going to stay with Homeside.

3. I received a letter the third week of XXXX saying that my mortgage was being transferred to Lower.com 5 days before my mortgage was due, with no information about how to pay my bill. By pure luck, I had attempted to make a principal payment a couple of weeks prior and the Homeside website would not let me. The rep at Homeside informed me of the upcoming transfer, so I made an early payment for XXXX to avoid complications. 
4. Two weeks after my mortgage was due ( I paid it in advance, expecting it to get screwed up again because the communication was so incredibly horrid the first time two times ) I received a letter saying that my mortgage was staying with Homeside. 
5. In XXXX I get a letter saying my Mortgage is transferring to Lower.com on XX/XX/XXXX of this year. It is XX/XX/XXXX and I have no payment coupons, no payment portal, and no information whatsoever. I call and sit on hold for a half hour or more and nobody answers. 

This problem happened in XXXX when I was trying to pay my XXXX mortgage payment and they told me I am not capable of paying my bill because they haven't issued me an account number so they couldn't help with anything. I ended up calling Homeside and they took my payment and said they would try to forward it, and if not they would return it.

It has been over 2 weeks since Lower.com has supposedly taken over my mortgage and 2 weeks after my mortgage was due ( I prepaid, again expecting them to XXXX it up ) and they have sent and done nothing regarding making it possible for me to pay my mortgage. I went back to Homeside and they say they can no longer assist with this mortgage as it has successfully transferred to Lower.com. This is an infuriating level of incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, XXXX I received notification that the following was written to my credit : XXXX XXXX XXXX has flagged your account as Loan Modification on XX/XX/XXXX. 

On XXXX XXXX, XXXX I called XXXX XXXX who stated this was because my home was in a disaster area from XXXX, XXXX however I never took advantage of any of the benefits. XXXX XXXX  said it is my job to dispute this and ask to have it removed when they in fact this is a totally erroneous entry.

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 2022-01-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally Financial Inc has forged my signature on an alleged loan agreement. Ally has failed to validate the debt or furnish the original documents with my actual signature. 
Ally has taken many illegal actions against me in regards to this forged agreement.

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 2017-09-05
Company: Experian Information Solutions 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:
Experian credit report shows two inquiries on my file from XXXX XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both XXXX and Experian regarding the XXXX inquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.

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 2018-06-02
Company: ALLY FINANCIAL 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:
Initially on XXXX XXXX checking my scores when I came across 2 hard inquiries that I did not recognize. I downloaded my credit report to verify  the information on XXXX XXXX. To surprise, I had 2 hard inquiries relating to an auto loan including Ally Bank and XXXX XXXXXXXX. At the time of these inquires I was a XXXX  in XXXX therefore unable to make these inquires in what appears to be XXXX and Utah. At the moment, I do not finance any vehicle nor do I want to. I would like to have these removed from my credit report. But most importantly, I would like to prevent this form happening again.

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 2017-09-05
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS A NEW COMPLAINT. Prior complaint XXXX was rejected due to a document not showing when scanned and sent. 

This complaint is being filed on behalf of XXXX & XXXX XXXX, they purchased their home home a year ago. The owners work long day hours which makes it difficult to make contact, and they are not familiar with how they can correct this alleged payment issue. 
Mortgage is with Ditech who has the correct phone numbers, address and emails. 
The entire monthly payment with impounds is made via AHC ( automated pmt ) and have all been made timely.

The Servicer/Lender made no proven, documented effort to notify the homeowners by any means regarding ANY changes to their monthly payments due Ditech. There was no form of communication received from Ditch that the real estates taxes had increased and to adjust the monthly payment, this is what the tax service fee at closing is for -to notify all of what will be due upon the next cycle and make adjustments as needed. 

Their was @ {$30.00} increase to the taxes monthly, that the owners needed to pay. Without any proven documented communication the payment was rejected ( see attached ), then charged late fees. 

When viewing the attached monthly statements please note that there had been sufficient funds to cover the shortage regardless, then notify the Owners to increase their auto- payment amount thereafter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
in XXXX I was persuade and pressure by XXXX XXXX XXXX of SunTrust bank in XXXX XXXX NC located on XXXX XXXX ...., to open up a checking account ... we spoke for about 45 minutes and I discussed with him the needs I had, and why I would only open up another checking account with any bank even SunTrust, and that was specifically the need to cash paper checks and have funds available immediately ... ... point blank ... we went over this point carefully, that. 1. can I cash a paper check at the atm, and withdraw money immediately, and that I needed over draft protection. Which he offered, and said he was setting up. Which I found out later that was a lie also, as well as the ability to cash checks immediately also and withdraw at the atm..and that I would not be charged a statement fee. If I use my atm card 10 times a month ... which I found out to be untrue also ... ..so I attempted to cash a check at the atm and withdraw money ... XXXX XXXX 2017 at XXXX while the bank was still open ... the atm machine prompted me that it had cashed my check and accepted it ..as I attempted to withdraw some cash it prompted me that would be allowed to withdraw cash as a one time courtesy but then later told me funds were not available ... so I entered the bank and inquire ... I spoke with XXXX XXXX..and explain why there were so many misconceptions with my account. He, ( XXXX  XXXX ) begin to explain them off ... .as if we never discussed these items when we open up the account ... .none were true..and it was just attempt to get me to open up an account to just generate addition fees for the this bank ... and attempt to have my social security and county benefits directly deposit to sun trust, ... all by informing me fraudlently at the initial account set up ... SO I CALLED THE XX/XX/XXXX POLICE, XXX, AND MADE AN OFFICIAL REPORT OF THIS TYPE OF FRAUD ... SO I WAS PROMPTED BY THE NC BANKING COMMISSION THAT YOUR AGENCY IS WHERE I SHOULD LOGDE MY COMPLAINT ... ... IF, SO, I AM DOING SO NOW ... I also feel that he discriminated against me simply because I was not a typical ( XXXX ) and because I was XXXX and my money is received from a public source ..mainly social security. And he lied to get me to open up this account be telling me he was offering these benefits. And setting them arm at the initial account set up. When in fact he was doing no such thing..in all hopes to generate fees towards the bank and ruin my credit ... FRAUD ALL OUT FRAUD ... WHEN XXXX OF XXXX ARE OFFERD THESE ACCOUNT SET UP IMMEDIATELY..BUT NOT THE GENERAL PUBLIC ...

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 2022-07-15
Company: COLLECTIONS USA, 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: Old information reappears or never goes away

Complaint:
My credit has already been effected for 7 Years, since XX/XX/XXXX because of this collections agency for a bill that isn't even mine. Now they rereported last month to effect my credit another 7 years. 
CLLCTIONSUSA : XXXX XXXX XXXX XXXX. 

I have own my own home since XXXX, multiple homes in fact. I rent properties out. I do not have use for an apartment. 
You can bet I will now be contacting EVERY NEWS STATION to report on this situation that XXXX XXXX XXXX XXXX  is nothing but a swindling company. 
Along with CLLCTIONUSA for their inhumane and illegal practices

Company response to consumer: Closed with explanation