BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A plethora of fraudulent transactions occurring through my debit card with Ally Bank, which I have in my possession. A total of 3 fraudulent transactions, totaling about {$340.00}, all within one day being XX/XX/2022. I can only assume poor security on the bank 's part, seeing that this has effected most of their customers but haven't seen complaints with other banks. Called in to report the fraudulent activity, waited 2 hours on hold, was able to speak to someone who cancelled the current debit card and issued a new one. However, there was no recommended action to either wait to activate the card until the issue is resolved or permanently lock the card until the issue has been fixed. Just " here ya go, a new card, good luck with the fraudulent activity '' type of response. I filed disputes on the fraudulent charges with the bank and am waiting to see what happens.

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 2022-04-23
Company: N26 Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received this correspondence from N26 bank : " After making the tough decision to sharpen our focus on our XXXX business, N26 is no longer available to customers in the US meaning we are only communicating via email. 
In order to assist you, we will need you to send us an email from the email address registered to your account and provide the following : - A double-sided photo/scan of your valid ID/Passport - Date and Place of Birth - Shipping address confirmation ( eg. utility bill dated within the last 3 months ) - Your express authorization so, please respond with the following statement : I authorise N26 Bank to exchange my personal data with me via email. 
If you do not have access to your registered email address, please send us an email stating : - Your previously registered email address, in addition to the information above. 
Please feel free to provide us with the documents as a scan or photo by email.

Ill then be able to continue this conversation via email. Note that your authorization to exchange personal data via email at any time. 
Thanks for your patience and understanding. 
XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX XXXXXXXX : ref '' I submitted the documents they requested. I am not getting any response as to the status of my funds being held at their bank after closing my account. 
When I go on line to the chat, they say I have to reach out to New York. When I reach out to New York, I get a response that I have to contact N26 XXXX. It is an endless loop of non responsiveness and illegally holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-27
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have enclosed your response to my previous complaint about the outstanding late fee. 
1. You stated the late fee was assessed by XXXX. That is incorrect. I have enclosed the welcome letter from XXXX dated after any late fees were assessed. This was also covered in conversation with your customer service dept. 
XXXX. You stated three late fees were assessed. One in XXXX of XXXX. One in XX/XX/XXXX and one in XX/XX/XXXX of XXXX. You also stated I made a payment of XXXX on XX/XX/XXXX leaving the balance of {$88.00}. The payment of XXXX would have covered the late fees in XX/XX/XXXX and XX/XX/XXXX. 
3. What you omitted was that this mortgage was in a COVID related forbearance from XX/XX/XXXX - XX/XX/XXXX. This resulted in a partial claim. Regular payments began again in XX/XX/XXXX. The late fee in XXXX of XXXX should have been credited back as there were no late fees to be assessed during that time. 

I have included documentation about the start and conclusion of forbearance. It is shocking to me that after two hours on the phone and now two complaints with full documentation we are still arguing about an {$80.00} late fee. Yet Fay can increase a payment amount two days before its due by {$230.00} dollars because they made an error on a escrow analysis without providing any supporting documentation. This documentation was requested on the first of XXXX and again on the XXXX and again in my last complaint. Still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management is attempting to collect a debt from me. The debt is not mine. 

Per a previous debt claim from MCM, I was told by an MCM supervisor, on XX/XX/23, that I would not be contacted again by MCM. 

On XX/XX/23, I recieved more debt claims from MCM. MCM has already established that the debt does not belong to me, my address, or my phone number. However, they continue to make claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 account XXXXXXXX XXXX account number XXXXXXXX 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 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 2023-08-04
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX, American Credit Acceptance repossessed my vehicle. They have refused to lower my payments or work with me to bring the loan current. The payments I have made included extra funds however American credit acceptance has never applied the extra monies to any late fees or NSF fees. I have made 51 payments on this vehicle and I still owe {$22000.00}. The last Cure letter was sent to me on XX/XX/XXXX, and my loan was brought current. This load was doomed from the beginning. I have paid over {$39000.00} on this vehicle that is now in the hands of ACA. In order to reinstate and get the vehicle back I must pay {$2600.00}, which doesn't include repo fees. My loan was never properly serviced and I have paid over the vehicle sale amount. I requested a settlement prior to this repo action and they never got back with me. I never received any correspondence by mail letting me know that the vehicle would repossed. I was not offered any assistance. Credit Acceptance obscured the true cost of the loan leading to severe financial distress and subject me to aggressive debt collection tactics on my loan knowing I can't afford to keep up the payments. They are predatory lender and they prey on hard working people like me. I have lost my transportation and means to go to work. I never received a repo letter and the status shows opened. I just made a payment of on XX/XX/XXXX, and my care was repos. on XX/XX/XXXX. On the website you can not see how the payments are being applied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: Open Dealer Exchange, LLC
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My business partner transferred almost XXXX to my accounts and the bank took money from my account and stopped all my payments of legal money that cleared cashiers check from a business transaction we had no reason for navy federal to say any fraudulent activity was going on but because we almost XXXX and my account was clean but they had been taken my money from my account without my permission reporting bad debts when I have proof of payments off my other accounts and they taken money out saying my bills arent paid Im 5 months behind but I am making payments now they just took my money closed accounts for no reason racism deception of lies and fraud on Navy fraud they are unethical and frauds and I would like a full investigation and all my funds return to my accounts I have paid my bills and the bank has taken my money and closed my credit cards I have been charged and money stolen and bad debts reported to my credit navy federal is a scam and I want all my money returned now with my credit report cleared of all business all credit cards closed they allowed fraudulent transactions on my account but I cant get my legal money they want give me no help I have had this account for years and they have denied me credit and defraud me for years and I have had enough Im going to file legal charges against them if I dont get my funds back and my account cleared of all debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: NC
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 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 : also states that 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 explanation
Consumer complaint received 2022-08-20
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 XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-14
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:
I am reporting an FCRA violation on my credit account with XXXX ( See attachments for account ). XXXX XXXX  XXXX This is a violation of : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The balance of {$630.00} on my credit report is evidence of that claim. Please see attachments for screenshots of reporting account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I set up a new bank to link with my Well Fargo savings account. The new bank is XXXX XXXX XXXX XXXX savings account. Wells Fargo deposited XXXX small transactions into my account I had to verify which I did successfully. Then I transferred over {$4700.00} using their online system. The next day they sent me only an email not through their system, no phone call or any other information tell me the following : Wells Fargo temporarily suspended use of your XXXX XXXX XXXX XXXX account For your security, we temporarily suspended use of the following account for online Bank-to-Bank transactions initiated at Wells Fargo : XXXX XXXX XXXX XXXX XXXX You can not schedule new transfers or submit payments while the account is suspended. Any pending or scheduled transactions will not be processed. 
To reactivate this account, please call us immediately at XXXX, XXXX hours a day, XXXX  days a week. 
Sincerely, Wells Fargo Online Customer Service It states that I could reactivate this account. After XXXX phone calls, an hour and being told all different things and being hung up on.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION WILLINGLY AND KNOWINGLY VIOLATE FEDERAL LAW!! TRANSUNION UNLAWFULLY RECEIVED INFORMATION FROM A NONAFFILIATED THIRD PARTY AND FURNISHED THAT INFORMATION ABOUT ME. TRANSUNION FURNISH A CONSUMER REPORT OF ME WITHOUT MY WRITTEN INSTRUCTIONS. Please view the attached complaint. I demand a response within 10 days upon receipt of this complaint. My proper identification is also included in this complaint.

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 2022-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
portfolio recovery, {$850.00} last reported XX/XX/XXXX XXXX i disputed as account not mine i also have a fraud alert, they have not deleted. also a account for {$2200.00} last reported XX/XX/2022XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a check from my employer for {$870.00}. Which deposited into my account that night but on XX/XX/2022 it was listed as Exceptions/Administrative Hold for the check amount of {$870.00}. On XX/XX/2022 I called the bank and was advised this would take ten days to clear and they would give no specific reason as to why it was on hold and that its just the way the system works with these kind of checks even though I had submitted multiple paychecks from this employer before this incident.

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 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lose my job and I just got a new job and I'm trying to fix my mortgage payments and I need help with this situation because my kids father wants to take my house at etc n

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 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

Bank of America is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.

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 2022-06-06
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receive a collection letter dated XX/XX/2022. 

Letter states as of XX/XX/2022 debt owed was {$1000.00} They also say that is paid after XX/XX/2022 they would want an additional {$350.00} as their collection fee. 

Debt was paid in full to the original creditor on XX/XX/2022. 

I have receipt and shared it with collection agency and talked to them several times. I told them if they put anything on my credit report I would seek action. They damaged my credit by putting this on my credit report. I am currently trying to purchase a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief