BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: ALLY FINANCIAL INC.
State: FL
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:
Late last year ( 2022 ) Florida was hit with two back-to-back hurricanes which devastated XXXX and XXXX Florida. A state of emergency was declared and millions were severely impacted by the back-to-back hurricanes. I am self employed and suffered a severe financial hardship as a result of the natural disasters. I called Ally shortly thereafter to apply for financial hardship assistance and was denied because the loan was new and had no payment history. Their decision to deny financial hardship assistance has resulted in my family and I struggling to keep up with payments while they use aggressive collections tactics ( including calling relatives ) to force payment. They have repeatedly threatened with repossession as we never seen to get caught up enough to get out of their repossession eligible status ( 50+ days past due ).

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 2023-04-13
Company: TRUIST FINANCIAL CORPORATION
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:
Truist ( loan company ) failed in any type of communication to me regarding my loan. Especially when the recurring payment stopped going through I was never notified. No notices were received about any payment status at any point since XX/XX/XXXX and it wasn't until XX/XX/XXXX that I saw an impact on my credit report and investigated. They've waived all penalties on the late payments and have agreed to send all future notifications in all available methods including mail, phone, and email so this never happens again. I do not believe XXXX investigated the issue properly in the two days since I sent a dispute argument and has not fixed the bad mark on my credit report. I sincerely believe both organizations require further investigation on their process and failure to properly handle their customers.

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 2023-05-05
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permissioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$620.00} ; XXXXT XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
Ollo/ALLY has not reported any information re my credit card since XX/XX/XXXX I called Ollo and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is Ollo/ALLY reported account closed with XXXX balance. Ollo insists they did not report this, however Ollo still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding XXXX minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and Ollo claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.

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 2023-01-26
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dynamic Recovery Solutions contacted me on XX/XX/XXXX regarding a medical debt from XXXX XXXX XXXX from XXXX of XXXX in the amount of over {$1400.00}. According to the statute of limitations of in the state of Florida in regards to medical debt, the limit is 5 years to recover the debt. As I informed the agent of the Florida statute of limitations, the agent claimed that this is not correct and there is no statue of limitations on this debt. She then proceeded to explain that I would be taken to court regarding this debt if I am unable to set up a payment plan with her. I advised her that I will not be setting up a payment plan for a debt that was 3 years past the state statute and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Theft of property at XXXX XXXX XXXX, XXXX XXXX, NY XXXX with proof of Satisfaction of Mortgage filed by servicer PHH Mortgage aka XXXX, thefts, fraud, malicious manipulation, and neglect of wrongful filing acknowledgment under oath by XXXX. The previous servicer.manipulation of Insurance claims and fund with XXXX. Abused of elderly mother on the mortgage with me. Just spent over $ XXXX in recent renovations. Fraud.violation of Federal Truth in Lending, billing, and credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: SANTANDER HOLDINGS USA, INC.
State: HI
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:
XXXX XXXX  XXXX XXXX. Account # XXXX XXXX XXXX  XXXX XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX  ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX ) XX/XX/20 in the amount of {$1600.00} Account # XXXX ( XXXX XXXX XXXX ) in the amount of {$180.00} and Account # XXXX ( XXXX XXXX ) in the amount of {$140.00} has violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an 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 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Winklevoss Exchange LLC
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
I currently have a Gemini Credit card ( XXXX ) which is from New York they are also a crypto exchange. On XX/XX/2023 I made a purchase ( {$2000.00} ) with XXXX XXXX through there vacation/travel division they also use to offer hotel deal to passengers that are flying with them as well. The purchase was for hotel stay with the XXXX XXXX in XXXX XXXX Nevada. for XX/XX/2023. I stayed at the hotel up to XX/XX/2023 due to the fact i became sick because there was toxic chemical on the entire floor. The XXXX made a comment that there was a painting convention here and perhaps were painting in there rooms and she noted all windows are sealed so maybe the chemical smell was coming from the doors. 

In any case I checked out of the XXXX XXXX and asked for them to send me a itemized bill which they did. The TOTAL amount of my stay was ( {$1100.00} ) which they sent me a copy of. They mention this is what they bill XXXX Vacations ( XXXX XXXX ). After I seen that XXXX vacation still owe me money ( {$2000.00} ) this I opened up a dispute with Gemini Credit Card dispute department and waited patiently. Keep in mind i have sent them emails and called them live at XXXX. The customer service person that answer the calls NEVER let you EVER talk with the credit card dispute department it is always them ( ESCALATING THE CASE ) the phrase they use many times which result in no reply 's. 

Finally after months i received a email from Gemini Support saying they have ruled in the merchants favor and i would be getting a reason why in the mail XXXX to 10 days. I waited 13 days before calling them stating i NEVER received anything in the mail from them. 

Then to my surprise the rep on the phone stated the {$2000.00} amount was NEVER investigated only the {$100.00} from the PLAZA was investigated and closed out. 

Again EVERY time i call they always say the SAME thing we will ESCALATE THIS. 
As of today XXXX writing XX/XX/2023 I NEVER received any letter from Gemini or any emails for additional information. I explained to them in emails that I will sue XXXX in civil court and need ALL information regarding my dispute if i deiced to go the civil court course and they DO NOT REPLY. 

I never been treated so unprofessional in my life with ANY credit card company just asking for basic information. I plan on writing to master card later to ask them to consider to revoke there right to use there credit card of the horrible customer service they are doing and things i mentioned above.. 

I have copies of my hotel stay at the PLAZA and a copy of my {$2000.00} charge from my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00}

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 2023-01-26
Company: Cottonwood Financial Ltd.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Cottonwood financial Wisconsin LLC dba cash store is trying to collect a debt by garnishing my wages. I was not properly notified from this company only seen it on my records with the state of Wisconsin for small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: CA
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. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL.

THIS IS WHAT CAUSES HACKING AND DATA BREACHES.

THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!

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 2023-01-26
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When contacted by ProCollect via my cellular phone [ XXXX XXXX. ( XXXX ) XXXX ] ProCollect [ XXXX XXXX. ( XXXX ) XXXX ] violated my rights under the FDCPA. 

ProCollect called me on XX/XX/2023 from [ ( XXXX ) XXXX ]. That initial call was at XXXX and I spoke with a XXXX XXXX XXXX After vaguely telling me what the nature of the call was, the amount owed and who the creditor was, I informed her that the debt was quite old and I wanted to dispute the debt. XXXX XXXX replied to me that I was not able to dispute the debt, that the debt was valid and that I needed to take care of the amount owed on my account immediately. She attempted to provide me with payment instructions via an address ( and by providing me with my account number ) and I reiterated that I did not owe this debt and I wanted to dispute it. Again, I was informed that I would not be able to dispute the debt and again XXXX XXXX attempted to collect on the account. XXXX XXXX also never informed me that the call was from a debt collector and an attempt to collect on a debt. Following more discussion on the matter and refusing to allow me to dispute the debt, XXXX XXXX eventually disconnected the call. 

Subsequently, I called back to ProCollect multiple time via the contact number provided to me by XXXX XXXX ( XXXX ) attempting to clarify the situation and make sure that the debt to which I was being contacted regarding was notated correctly as disputed. In following phone calls, further misinformation was again provided to me : that the debt was valid and that I was not able to dispute the account. After finally getting a supervisor on the line, she informed me that I would be able to dispute my account via the ProCollect website, but that I had to supply the proper evidence regarding any dispute by XX/XX/XXXX a timeframe of only four days from when the call was occurring. When I asked about the required 30 day right to dispute, she stated to me that the information on that was not correct. This supervisor also disconnected with me during my discussion with her on my account. 

I possess screenshots from my phone 's call log detailing the times and call durations for these calls.

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 2023-08-08
Company: SYNCHRONY FINANCIAL
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 the fair credit reporting act, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. In section 15USC 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX Account Number XXXX In 2021, it is reporting 30, 60, 30 days past due.

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 2023-10-19
Company: GFS II, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
FACTS INVOLVING THE REPOSSESSION The XXXXXXXX XXXX state that on XX/XX/2023 they made a partial payment to Gateway Financial in the amount of {$310.00}. Their required monthly payment was {$590.00}. At the time XXXX XXXX made an arrangement to pay the remaining {$280.00} and any late fees associated on Thursday XX/XX/2023. Gateway Financial continued to call repeatedly requesting payment and XXXX XXXX reminded them of the verbal agreement made on XX/XX/2023. XX/XX/2023 XXXX XXXX parked our car in front of our residence. XX/XX/XXXX, Thursday XXXX, XXXX XXXX went outside and noticed our vehicle was gone. XXXX XXXX contacted XXXX XXXX XXXX 's office and was advised our vehicle had been repossessed. They provided Me. XXXX with the location of the vehicle. XXXX XXXX went to see the vehicle and noticed severe damage to the vehicle and one or more flat tires. It was parked in the back of a business covered in mud. The car had been damaged in the repossession to the point that it is not able to be driven from the lot. Before the repossession the vehicle had no damage and did not have flat tires. Both parties state the following A verbal agreement was made for a payment to be made on XX/XX/2023. 
A partial payment was made on XX/XX/2023 in the amount of {$310.00} Gateway Financial continued to contact XXXX XXXX after making the verbal agreement and never once warned of scheduled repossession. 
Gateway Financial repossessed the vehicle on XX/XX/2023 in the early XXXX 
Gateway Financial sent a letter to both XXXX and XXXX XXXX that never disclosed the amount to get the vehicle back or location. 
Gateway Financial failed to protect the consumer from substantial loss. 
Gateway Financial engaged in unfair, deceptive and abusive acts when reposessing vehichle. 
Gateway Financial never sent default letter and chance to being current as required by state law for reposession Damages severely decreased value leaving large amount due on consumer Gateway took veh after being 17 days late on a half payment ALL DOCUMENTS PROVING FACTS AVAILABLE

Company response to consumer: Closed with explanation