BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
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: Information belongs to someone else

Complaint:
XX/XX/18 and XX/XX/18 Ally made two separate fraudulent hard inquiries to my XXXX  report. XXXX has instructed me to contact each company individually and address the fraud myself. Attaching police report filed relating to my identity theft. I have been unsuccessful in reaching Ally by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE XXXX XXXX APP IS XXXX AND THE SCORE I SEE ON XXXX XXXX  APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED XXXX XXXX XXXX THEY ADVISED ME THAT MY CREDIT SCORE IS XXXX THROUGH XXXX, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST XXXX POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME STUCH IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Cadence Bank
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a FHA mortgage loan with Bancorpsouth in XXXX, AL in XX/XX/XXXX. During the loan process my credit was pulled and I was questioned on one of my creditors ( XXXX XXXXXXXX XXXX XXXX ) and the Creditor was called by XXXX XXXX to gain further information. There was discrepancies on the part of the Creditor ( XXXX ).  I explained to the Loan Officer the discrepancies. I proceeded to contact the Creditor to get the incorrect information corrected. The Creditor did an investigation and during their investigation, they found that they had in fact provided the incorrect information. Bancorpsouth requested further information from the Creditor. The Creditor stated it would take them 10 days because they would have to do another investigation. The Loan Officer insisted I hindered the Creditor getting the information to them because I had contacted them to correct what they had wrong. Bankcorpsouth asked XXXX for a pay history before, during and after the bankruptcy. I had disclosed to Bancorpsouth that I had filed a Chapter XXXX bankruptcy and at the advice of my Attorney, I surrendered the home in the Chapter XXXX and the house sold in XX/XX/XXXX, the bankruptcy was filed in XXXX ; therefore, there would not have been a pay history during and after the bankruptcy. I was denied my loan and I am inclined to believe the true reason of my loan being denied was based on my race ( XXXX American ). On XX/XX/XXXX the Loan Officer put derogatory information into the HUD system about my denial before I had received a letter from Bancorpsouth informing me that my loan had been denied. I find it very ironic that she input the derogatory information into HUD only after another Loan Officer from a different Mortgage Company requested the information from her. Due to the derogatory information that was put into the HUD system, this prevented me from getting a mortgage loan with the new mortgage company. I personally think this was a vindictive act from the Bancorpsouth Loan Officer and the Underwriter. I did not receive my denial notification from Bancorpsouth until XX/XX/XXXX days after the derogatory information was put into HUD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This " law firm '' Reimer LawXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX ) XXXX states they are legally protected to file garnishment of wages for a XXXX collection they BOUGHT XXXX XXXXXXXX. We did not agree nor sign ANYTHING regarding our XXXX taxes with this " law firm ''. We recvd one statement from them via mail, stating send {$5200.00} within 15 days of date of letter, which was XX/XX/XXXX. I recvd statement XX/XX/XXXX. 1st and ONLY communication with said " law firm ''. I sent a debt validation request to them, because AGAIN I had no information or idea whom this firm was and they DID NOT send any of the requested information back to me, however they were ignorant enough to send me a copy of the court information that anyone can screenshot off the actual court website. Not to mention that during the beginning of the covid pandemic, I spoke with XXXX from XXXX office XX/XX/XXXX ( XXXX XXXX Oh ) I explained that my work hours had been cut and the jobs we were set to complete were postponed and/or cancelled, due to the pandemic. She stated that she would note our acct and all accounts for XXXX payment plans were being put on hold until the determined time that the workforce ( ie : companies, businesses, offices, etc ) were able to get back to complete fulltime status. That is the last communication I had with XXXX. I did not contact XXXX again, bc of all the pandemic issues, illnesses and deaths happening in my family nor did I recv any type of mail, phone messages, email or information FROM XXXX regarding my account, since our phone conversation in XX/XX/XXXX. 

I have submitted a request for Judge XXXX for a hearing on this matter, case # XXXX on XX/XX/XXXX and I have also requested an AUTOMATIC STAY on any said garnishments until further notice. 
This " law firm '' should be ashamed of itself, especially in a situation where EVERYONE has been affected by the aftermath of a pandemic. If this " law firm '' works this shady, by scare tactics and ILLEGAL GARNISHMENTS, they need to be HELD RESPONSIBLE, especially during a time that our country is literally crumbling from high gas, utilities and food prices. This " law firm '' is going to meet up with others like myself, who are knowledgeable to the fact that its illegal what they are doing. These types of companies need to be held accountable for kicking the citizens while already down. Its DISGUSTING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have attempted to Receive a forbearance on my loan because I am back in school. I have called Aes Numerous times. Each time I receive different information. I have attempted to work through email but they refuse and will only discuss details over the phone so I do not have anything in writing. I submitted requests through their online form. In the end I had to wait for a forbearance form to be mailed to my house as they would not let me receive it via email, fax, or online form. The letter never arrived so I had to request again, all the while my debt is piling up. After receiving the form, I faxed the signed portion directly to the processing center. A few weeks later I receive a physical letter notifying I have ben denied because I did not fax the entire agreement, the first page that did not require a signature was missing. At this moment I faxed the entire agreement back to aes, called customer service and waited for a response. Was told to wait. Today, XXXX XXXX I had still not heard an answer and the debt was severely damaging my credit so i called aes. Was notified they only received one page of the agreement the second time and that I was no longer eligible for a forbearance because it has been over 120 days. I have receipts of the fax and phone records as well as screenshots of my form submissions. They have been extremely difficult to work with and seem to have done everything possible to deny and progress towards delaying payments. Previously I had been making payments consistently for 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I just received my credit report and noticed an unauthorized vehicle loan that I never authorized. This has been a rough time during the pandemic tragedy

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # : XXXX ; XXXX, Account # : XXXX ; XXXX XXXX XXXX Account # : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX, Account # 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 non-monetary relief
Consumer complaint received 2018-08-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX contacts my house numerous times a day at all hours of the day attempting to collect a debt for a XXXX XXXX. I do not know who this person is nor have I ever known who this person is. I have told multiple people with this company that I do not know this person and they continue to call my house multiple times. Yesterday they called 7 times including immediately after I spoke to someone and told them they had the wrong number and I do not know this person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

DISCOVER BANK XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: CITIBANK, N.A.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX late payment home Depot account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with Home Depot. You see my husband is a XXXX XXXX XXXX XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a Home Depot account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

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 2017-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased car XXXX XXXX, 2017. Received first statement dated XXXX XXXX from Bank of America and made payment in full. Received second statement dated XXXX XXXX with a payment due date of XXX. XXXX. The latest statement shows an amount due and shows a {$0.00} past due amount. I have received several calls a day for the past two weeks advising me the loan is delinquent. I requested a supervisor who told me the issue is that the loan was incorrectly processed and needed to be back dated. I requested a statement with the correct balance and asked that the online web site also reflect a past due if this is the case. Nothing from BOA. Received another call telling me loan is past due and will go to collections. I have requested BOA send me a correct statement and stop requesting money without putting it to paper. I also asked they stop calling me morning, afternoon, and evening. The only thing they have used to support the loan being past due is by phone. Nothing in writing or on a statement. I have attached my current statement showing {$0.00} past due. This loan was backdated and they are attempting to cover something their mistakes. I believe this is the reason they refuse to bill me on paper and only verbally request payment.

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 2018-06-02
Company: Trojan Professional Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dont owe this company any money. The debt that they are trying to collect is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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 XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I reached out in the past to Equifax regarding my payment history reporting from XXXX XXXX XXXX XXXX  XXXX  was a very challenging year. Covid had a drastic toll on my credit. Arrangements had been made with XXXX XXXX and per the cares act if arrangements had been made the creditor was obligated to report account current. I brought this to equifax attention I noticed they deleted the late payment showing XX/XX/2020. And when I recently reviewed my credit report for this month It shows equifwx reinserted the late payment. Im asking for the late payment from XX/XX/2020 to be removed along with XX/XX/2020 andXXXX in accordance with cares act respectfully XXXX. I sent a letter and its been 30 plus days and equifax has not responded in timeframe. Failure to respond in time frame permits removal of account or correction to payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XX/XX/XXXX complaint number XXXX with the Consumer Financial Protection Bureau, was responded by transunion. Problem was not resolved. Original claim was disputed in writing to transunion headquarters and still not resolved. These inquiries are by XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. These inquiries are unauthorized and fraudulent, I asked they be investigated and removed.

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 2017-08-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX, XXXX and exsperion have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX colected by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX bill is up to date at my home address,,, they used my social security number to open the account affilitated group account number is 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 2022-07-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2022, my PayPal Account was Permanently Limited without any reason as I was delivering my digital items on time to my customers. They also canceled or reversed transactions because they thought they were fraudalent in which they were authorized and not fraudalent transactions whatsoever and was curious to find out the reason as to why my account was permanently limited as everything I did was under fair use and justification of the PayPal ToS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Investigation took more than 30 days

Complaint:
i tried to dispute these items for inaccuarate info on credit report. they refuse to correct or remove items listed. i pulled my credit report to see that the same inaccurate items exist on all 3 cb..i demand that these items be removed do to cb 's are in violation of the fcra..

Company response to consumer: Closed with explanation