BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX Michigan XXXX XXXX XXXX XXXX. And assigned to ALLY FINANCIAL INC . The annual percentage rate was XXXX XXXX, the Finance charge was XXXX, the Amount financed was {$20000.00} the total of payments was {$28000.00}, the total sale price including my down payment of {$1000.00} is {$29000.00}. Instead of the creditor reducing the amount of the down payment, they raised the amount or did not apply the amount at all. Due to the fact of this information being inaccurate I have suffered majorly. I have late payments due to the inability to pay timely due to the practice of the creditor. The late payments affect my creditworthiness to other creditors and I have suffered immensely due to the derogatory information resulting from this transaction. This has affected my mental health also. 

I have called to try to get the actual numbers for the loan origination but the representatives tell me they can only go back 2 years. I have sent a debt validation letter certified mail and still awaiting a response.

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 2021-01-07
Company: Flatonia Investments, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to get my PMI removed from my loan because I'm under the 80 %. I was promised this when I was originally talking out my mortgage and at least numerous times during the process. On the account page when I log on it directly states this as well. In XX/XX/XXXX or XXXX I asked for it to be removed and to start the process. I was told it would come off on XX/XX/XXXX and I wouldn't have to pay for it in XXXX. I then called back to double check on XX/XX/XXXX and was told it was still being processed and would officially come off on XX/XX/XXXX. I spoke to someone on the phone and they also gave me an email address to contact as well because the company didn't do what they promised. So I also emailed on XX/XX/XXXX. I also replied to their email on the XX/XX/XXXX and was told to let it take more time. 

I called on XX/XX/XXXX because it was still not off like they promised on XX/XX/XXXX. It still isn't off and they are now saying it was never processed back in XXXX, or in XXXX and the XXXX is the 1st time it was. The problem with this company is that when you call you only talk to a customer care representative that reads off of a computer. They don't know the answers and lie about dates/information. I've learned that when you call you have to demand someone in leadership. These people can only chat each other but have no direct contact with the actual department you need to talk to, in our case the PMI department. I keep getting ticket numbers that are supposed to be an official action and have called and been told 2 separate times our case is " escalated '' but nothing happens. We keep being told their an offline department and there is no way to actually get in contact with them. That " they can only message them '' They are a subservice company which deals in deception. How can you NOT give me a contact number or email for a department that I need to contact?!!! They have repeatedly lied about dates of when it would go into effect when in reality NOTHING was even being done. Numerous " leadership '' people will look into it and call you back in 24-48 hours. Guess what they DON '' T. I have spent HOURS upon HOURS of being on the phone for nothing to be done. 

We had an issue with them dragging their feet in processing our recast of the loan and that took over 30 phone call to resolve, actually done but not on time. Consumers should NOT have to deal with this. This is unacceptable for a business to operate. I honestly don't trust that they will process the removal of PMI that has been promised to come off in XXXX but still hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled my credit my report and noticed that this company was on my credit report. This company did not notify me that they were collecting this debt nor did this company give me notice that I had the right to dispute the validity of this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX XXXX, I went to drivetime.com and applied for financing, which they said I was approved for. When I went in the dealership, the manager told me that I was n't qualified for what the website said I was and if I wanted that vehicle I would have to put almost XXXX down. So they had me try their no hassle lease program. I put down close to XXXX for this program and they gave me a XXXX ford fusion. At first glance the car was great, after test driving it you car hear something was wrong with the tires. When I brought it to the salesman attention he said the previous owner drove it hard. I asked for a car fax and he printed some report that showed the car had been in a XXXX accident but he insured that all repairs and inspection had been done. I took possession of the car with what I thought was a safe vehicle. Almost two weeks later the car stopped running. I had to have the car towed because the warranty did n't cover it. Got to the mechanics and they had to keep the car for 5 days, they said the car needed new wheel barrings, tire rods and an alternator. After that was fixed the car bike down again and had o slow drive it to an approved mechanic that held it for three days and it was the ac unit. Because this was after 30 days they tried to make me pay for this. All these problems should have been found in their inspection of the car before selling it. I had to end up returning the car and putting XXXX down on another vehicle at another dealership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XX/XX/2021 I received a credit alert saying my credit score decreased 5 points for no reason. They never listed an offense or stated a valid reason. This is FRUAD. On XX/XX/2021 I had an 8 point decrease for no reason. I have a perfect payment history and nothing has happened to warrant such a substantial decrease and I am waging that this behavior from Experian is FRUAD!! Make corrections immediately.

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 2021-01-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello. 

My mom passed away in XXXX of XXXX. Her boyfriend ( who shared a joint account with my mom ) took funds out of my moms account at XXXX XXXX and I was issued a cashiers check in the amount of {$60000.00}. I deposited that check into my Chase account to pay for my mothers funeral. In XX/XX/XXXX, my Chase account was frozen ( or restricted, theyve used both terms ) because they found the cashiers check I received to be fraudulent. XXXX XXXX ended up issuing me another check later which was received and not flagged or anything. Since they had issued me the amount of {$60000.00} twice, they wanted {$60000.00} back from me. 

On XX/XX/XXXX, my Chase account showed a withdrawal of {$12000.00}. Through a series of phone calls I discovered this was money being paid back to XXXX XXXX for the {$60000.00} I owed them. XXXX XXXX then contacted me and I was told I still owed them {$47000.00}, the difference from the {$60000.00} check after the {$12000.00} had gone to them. I understood this. I was told once XXXX XXXX received these funds, they would contact Chase to let them know the restriction could be lifted and the balance in my checking account could be released back to me. 

I issued XXXX XXXX a check for the full amount owed ( {$47000.00} ) on XX/XX/XXXX. The representative Ive been speaking to at XXXX XXXX confirmed my check was received and processed on XX/XX/XXXX. Since then its been a series of back and forth calls, dead ends, and lack of explanation as to why I cant close my Chase account and receive the balance left in my checking account. XXXX XXXX told me they have no holds on my Chase account, that theyve marked the issue as resolved and that I need to talk to Chase. Chase tells me that my account is still restricted and that XXXX XXXX needs to contact them in order to resolve the issue. I dont know what else to do at this point. 

Please let me know what other information I can provide. I have {$9400.00} in my Chase account that I need issued back to me, and Im desperate to close this account so that I never have to deal with Chase bank again. I appreciate in advance your help with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This person, XXXX XXXX XXXX, is using my address to apply for XXXX XXXX Credit Card and Costco Anywhere Visa Card by City. It 's the fourth time that is happening.

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 2022-08-17
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent accounts 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX wrongly charged house fee via BankXXXX. I filed the dispute to Bank of America credit card. While they were investigating this dispute, XXXX XXXX XXXX refunded to BankXXXX. I passed the refund transaction record to Bank of America. But they still charge me. They told me they did not receive this refund without any further investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may Concern, I have tried to work to resolve a charged off Credit Card originally held by XXXX XXXX XXXX. In XXXX I was laid off my job which required me to make tough decisions. I have successfully resolved debt issue with all creditors, except Midland Credit Management. 

Today, XX/XX/XXXX I call the company on XXXX and was disrespected by their staff, the intake workers denied my request to speak with a decision maker who could help me resolve this debt at a more favorable rate. I was offered to a settlement of a Credit card with an original balance of {$1000.00} currently valued at {$2000.00} by Midland Credit Management for {$1800.00}. I rejected the offer as the amount of the debt has fees and other balloon charges on an account that is currently reported unfavorably on my credit reports for over 5years. 

I made an offer to pay {$600.00} and absorb any reasonable deficient balance as income chargeable to me on form 1099-C. I made this clear to the agents and I was told this was not an option. I made the agent that I was aware that he may not be able to approve the request and to transfer me to the department that can so this debit can be resolved today. He transferred the call to another frontline worker, who was rude and argumentative. I asked him to provide the internal complaint number or email and he refused to assist me with requested information. He Identified himself as XXXX and the only decision maker I can speak to. I made him aware that by his lack of engagement displayed behaviors that would not be found in leadership to transfer the call. I was deny and disconnected the call. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I used XXXX via Wells Fargo to make a {$350.00} payment to a man for the purchase of a puppy for my wife, the next day on XX/XX/2020 I sent the final amount of {$350.00} ( for a total of {$700.00} ) after I received what I believe to be an actual video of the dog complete with the man calling the dog by the name we where going to give it and the date and an email with the bill of sale. On XX/XX/2020 I received an email from a company claiming to need {$1000.00} " pet insurance '' to send the puppy via airplane. I knew immediately that we had been scammed and attempted to get our money back. The man claimed he was going to the airport to cancel the flight and would refund us our money the night of XX/XX/XXXX. He has sinced blocked us and not been responsive. I was sceptical when he first mentioned XXXX but when I saw that it was endorsed by Wells Fargo I thought it could be trusted as the XXXX page looked legitimate and had a couple of people claiming to have purchased from him. The scammer was very reassuring during the process and even had a professional looking fake shipping company website that they used to try to get more money out of us. We have reported them to XXXX and warned others in my wifes pittbull group. I will be trying what ever I can to not only get our money back ( which is most likely gone ) but warn others. Avoid XXXX 's XX/XX/XXXX, XXXX XXXX and " XXXX XXXX '' at all costs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I signed up for a Macy 's credit card. I made a purchase in the store without my card for approx {$67.00}. I never received this card. I made the full payment of {$67.00}. I received a bill for late fees. I called and emailed them about this. I am now getting a vill of almost {$300.00} for late fees on an item I paid for in full. 
I still have not gotten a credit card. 
My daughter is having the same problem with Macy 's.

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 2020-03-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT REPORTED ON XX/XX/2018 AND XX/XX/2018 ON MY XXXX XXXX ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
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 XX/XX/2017 my monthly current bills did not go through auto-bill. I reached out to the company and they said they saw the payment in the system but the bank rejected it. I was never notified, and the rejection caused me to get late payments. 

I contact the card holder and explained what happen, and I will pay the balance if they would remove the derogatory item. 

I can not get a mortgage because of this unfair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS HAS VIOLATED MY RIGHTS! THE OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



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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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit reports are wrong. I have complained to the FTC and XXXX were suppose to remove the loan from my credit because it is not mine The signature looked like a child signed it because it was printed.

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 2020-03-14
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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