BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: World Acceptance Corporation
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In mid XXXX I went in and applied for a loan on behalf to help my brother saved his home from the state of NC, due to being in a hit and run 6 months before, a XXXX for 10 days. As I saw him in XXXX and could tell he had recovered an awful lot.I received XXXX in a loan and was not enough to help him so went back with XXXX dollars, was told to come back on the first of XXXX. Had XXXX dollars on the first, which was half way paid for. A clue of weeks later, got a card about refinancing. Needed groceries, was sick and under a lot of stress at the time, but did not realize that they had started back with the XXXX amount till I had signed the papers. Went home found receipt and realized that the XXXX dollars I had paid was no where on them. Have attempted trying to find out why, and the lady upset me so I called there headquarters in S C, got disconnected and felt that I as being XXXX and only one income had been ripped off. So I called the XXXX XXXX XXXX and they gave me your number so I felt that I needed to make a complaint. As I am too old for for kind of abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ALLY FINANCIAL ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2020-08-27
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not owe any debts but started getting repeated phone calls from this company multiple times throughout the day from different numbers. No voicemails are ever left. 
The numbers are : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, Please see the summary below : -Ongoing delinquency in paying on loan due to loss of job and health issues. 
XXXX XXXX XXXX  paid the delinquent amount after multiple struggles to get a means to route the payment to Ally including online, online third part debit, and XXXX XXXX Access to my account was restored and I submitted the payment of {$3500.00} via Ally portal draft. 
XXXX XXXX XXXX  I recognized funds had not come out of my checking account, recognized the routing number had been entered instead of account. Contacted customer service via Chat. Instructed to enter the payment with the correct account number. I requested notation on the account and was told it would be done. Submitted payment for {$3500.00} via online draft. Draft automatically dated for next due date. Edited date for same day. No issue on submission. 
XXXX XXXX XXXX  received a phone call from Ally rep stating I was in repossession and delinquent on the account. Notified by representative that the loan would be discharge if I did not pay. Explained that I do not have the funds as they had been removed from my account. Representative instructed me I would need to pay it or place it on a credit card after the representative spoke to his supervisor. I replied that was not an option as the payment is marked completed in my transaction history on Ally and the funds have left my account. Representative notified me the loan would still be discharged within a day. I requested to speak with a supervisor. XXXX XXXX reviewed my understanding and confirmed my timeline of events. I asked that if the loan was going to be discharged regardless of my completed payment could she locate my funds. After a hold she notified me that the amount I paid was filed as a Overage Payment and that is why my record reflected ongoing delinquency and order for repossession. XXXX XXXX stated that customer service would need to change the application of the funds to fix it. I requested to speak with her manager as this represents an Ally process and infrastructure problem that would have resulted in major financial repercussions for me despite having completed my agreement. We became disconnected. I called back in and was routed to XXXX XXXX 's managers voicemail according to the representative. I left my name, loan number, and phone number on the voicemail requesting a timeline for repossession to be removed and the account to reflect my current transactions with Ally. 

I am requesting that Ally update it, and any records forwarded to other entities, reflect my delinquency was brought current on XX/XX/2022. I would also like updated if my vehicle is still in repossession as this creates a major dynamic change I will need to address to protect my income and my life stability. 

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 2017-04-18
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Regarding case  XXXX  The issue is NOT whether  XXXX   XXXX  understood the terms he was offered on a purchase of primary residence. The issue is our current residence WILL not sell before he closes on the home in DE. Therefore he will not be eligible for the terms quoted.  XXXX   XXXX  's verbal response that as long as he is making his payments it wo n't matter is not adequate- it 's mortgage fraud. It could ta ke 3-6+ m onths for home to sell and that is being optimistic!! Cashing in retirement savings to pay  XXXX  mortgages and or have adequate reserves on hand is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I got scammed and someone fraudulently used my card/signature ... To shop at  XXXX   XXXX  in the amount of {$6300.00}. I do not know what  XXXX   XXXX  is nor do I spend that much in a day for products I do not know about ... Going through previous transactions history o n American Express, I would not have places like that on my charge history ...      Also  American Express Personnel advis es to let charges go through and dispute them later, this is what I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Accounts were opened under my name by TD Bank. I called several times spoke with customer service and fraud/security. Accounts were to be closed. Then debit cards were mailed to my previous address and forwarded to me. No fraud alerts or info was provided to XXXX. As a result there has been a failed attempt with XXXX XXXX and account opening at XXXX XXXX where 2 small deposits were made to my current bank account with my credit union. I had to place a freeze on my XXXX and the 3 major credit bureaus to try to protect myself from any further fraud. TD Bank was obligated to alert XXXX  of this event to block any further incidents. Because I was not their member no responsibility was taken and I am having a trickle affect as a result. There has to be an accountability to financial institutions to protect consumers from becoming victims of theft. The thieves are more advance than multi billion dollar financial institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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 is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
XXXX reports XX/XX/XXXXXXXX  reportsXX/XX/XXXX Equifax reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NC
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:
This account was charged off in XX/XX/2017. The error they have made is they have continued to report an active payment history since then, almost 6 years! It is my understanding that a charge off account is not suppose to report an active payment history! Its illegal that they are updating the status date when the charge off was in XX/XX/2017. 

i am in fear this impacting several factors within my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
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:
XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to TSF about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to TFS letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to TSF I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite TFS saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check TFS says I still owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: VNU Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received call form a unknown co. called  XXXX  on   XXXX   XXXX   XXXX     trying to collect a debt they say I owe. Tried to tell them I do not know how they are, so they sent me an  XXXX   XXXX , wanting all kinds of personal info on me, Police said not to fill out and report them.   XXXX   XXXX   rec letter saying I had not sent back in Fraud packet and so my debt was now past 60 days overdue and now I owe them {$600.00}. For what is not known. Have never recd. a bill just a collection letter .... Also this company seems to us e Pacific Credit Grp LLC to service hem. This Co.  had a Co Called  XXXX   XXXX .  XXXX  to do a soft cree credit check on me on   XXXX   XXXX   from Florida. On same day form   XXXX   XXXX   CA,  Pacific Gredit Group also did a credit check as a credit review on me from the    XXXX  address at  XXXX .  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  in   XXXX   XXXX  .CA.  XXXX  The number online there is listed as  XXXX  as listed later on the letter of saying I need to make payment arrangements. However they send correpondence form a  XXXX   XXXX   XXXX  in  XXXX   XXXX , CA  XXXX  saying they are   XXXX   using a number registered to  Pacific Credit Grp LLC,  as  XXXX  They also sent a so called payment portal address to send any money to as  XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My wife and I moved out of out of   XXXX   XXXX   last year. The apartment company claimed that they wanted more money to cover cleaning fees for the unit, however it was in good condition when we left. In addition, we had the unit professionally cleaned and provided  XXXX  with a copy of the receipt. My wife began communicating with  XXXX   XXXX  via email to resolve the discrepancy, but  XXXX  stopped responding to our emails in  XXXX . We received the move out  XXXX  final account ) statement on   XXXX   XXXX    We responded stating that it had appeared that we had been mischarged and pointed out the discrepancies. We received a response from  XXXX   XXXX  stating that they would review and revise and get back to us. They never got back to us. After numerous email follow ups, we visited the leasing office in person and spoke wit  XXXX   XXXX   XXXX   who assured us that   XXXX   would respond, but we still never got a response. We began receiving notifications from a generic, no-reply email alias from  XXXX  and tried to get in touch with them again about the errors, but received no response. Now we see that they have sent us to a collections company without even bothering to address our concerns. In actuality, based on our calculations,  XXXX  owes us a little over {$70.00}, but we were willing to forgo that amount if we could stop wasting time dealing with this issue. Now we hear that the collection agency has been harassing my in-laws for a debt that we have clearly disputed. The agency continues to call my parents-in-law about me ( not even my wife! ) and will not relent. The collection agency has yet to make phone contact with either of us directly, even though  XXXX  would have provided our contact information to them, and makes improper contact to individuals unassociated with this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: NJ
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:
I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

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 2021-09-23
Company: Synovus Bank
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on 1STPROGRESSXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am contacting you in desire need before i take legal action against a company that has placed a collection account on my credit. My concern like i advised the attorney i met with is that i have never received a notice from the company asking if the account was mine and if so work with me on some payment options .... be advised none of that has happened and the account is not mine, I have no knowledge of what is is for.     The attorney told me this is a violation of the FCRA and ha s sued Grant and Weber before actually a few months ago for this and similar violations.      I am requesting the following account be removed immediately if not a suit will be f ile in Federal Court.      Grant & Weber Account  Number   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I reached out to Bank of America to report a XXXX scam that defrauded me of {$3500.00} and was looking for reimbursement of those funds. They denied my claim, and I elevated the situation within the company, and denied it again. What they sent me was a letter stating that I should contact the person who scammed me for my reimbursement. When asked how to avoid this scam since they spoofed Bank of America 's number and acted as an official from their institution, I was told to always " hang-up and call back. '' This would delay my response to my account being hacked by at least :45 minutes. 

Here is my story : What occurred to me on XX/XX/2022 was, as I later found out, a common scam which has been going on for quite some time. What is even worse is that after the scam, within the hour, I called the Bank of America ( BofA ) fraud department and they told me they knew exactly where my money went ( XXXX XXXX ) and that this happens frequently. 

Instead of calling XXXX XXXX, they submitted this claim and I had to wait until XX/XX/2022, to receive an automated letter denying my claim. I then elevated my complaint to their " Executive Escalation Team, '' only to be denied again. 

I know BofA has stock in XXXX. It is an application that I have only used once and am unfamiliar with the workings of it. It is automatically on the BofA app, which I assumed means it was protected from fraudulent activities. It seems it is not. 

The person who scammed me, spoofed BofA 's primary phone number, sent me a verification text using the exact same fraud alerts that are " official '' BofA wordings and were verbatim when they called me explaining that I was scammed... only to find out later they were scamming me. 

All logical signs indicated that the person on the line was a BofA employee and the steps I was taking were done under distress as the primary goal was to ensure that no more money was taken. 

When doing a quick search online I have found that BofA has refunded a lot of people their money back from this exact same scam. I saw a class action lawsuit was filed against BofA because of this scam and all persons scammed were refunded their money. 

This is an issue where I received no notifications from my institution about this type of scam which has been going on for quite some time. Also, since BofA refunded others for this same reason, this same amount, and this same scam, I would like to be treated the same and have my money refunded. 

After being a loyal customer for almost 20 years, I expected better treatment. As a XXXX XXXX XXXX XXXX XXXX XXXX, I thought my treatment would have been better as well.

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 2022-08-31
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry to my consumer report. On XXXX XXXX, 2021 Santander consumer USA, Inc obtain my XXXX consumer report without my authorization or a permission. I do not recognize this inquiry or any accounts with this company that is listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On  XXXX   XXXX   TD  Bank charged me  XXXX  bounced check charges for transactions that were made fraudently to my checking totaling {$170.00}. TD was aware of the situation that my account was compromised and shut down my debit card.Yet they are charging me {$170.00} bounced check fees for charges that TD knows are fraud.Made a phone call to their customer service and told me they werent reversing bounce charges that i should be lucky that fraud charges got reimbursed.Very nasty and unpleasant conversation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: TN
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:
requested that experian remove XXXX XXXX from my credit report because it was fraudulent. i sent in a police report because my identity was stolen. this was not removed. I then sent a request for proof that it was my account, proof of what the vehicle sold for, ie bill of sale. I waited more than 30 days and never recevied that proof. I then sent notice that I had never received that proof and they have still not removed the 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