BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed my vehicle several years ago through Ally Bank ( Dealer chosen, not by me ). I set up my loan to make auto debits from my checking account. I have never made a late payment or missed a payment. In between 2 of my regularly scheduled payments I mailed in Principal payments. When I checked the status online to make sure they were received I noticed they had marked some of the future payments as being paid. I called them up and made sure they corrected these payments because I wanted them towards the Principal balance only. They corrected this however they still removed interest from my principal payment. After several calls to Ally to correct this a rep finally said Ally removes interest from every payment even if it is a principal only payment. This does not seem fair. My payments were still made on time both before and after each principal 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 explanation
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have Disputed this balance owed in the amount of {$6000.00} with XXXX XXXX and Trans Union and have not received a successful response from either that this is a valid debt of mine. They are reporting incorrect information on my credit report. I have disputed this dept in XXXX and again in XXXX. All I receive back is information that it is manually processing without any validation of the debt. i would like this information removed from my Credit report because it has not been validated and is false information.

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 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX XXXX company is incorrectly reporting me up to XXXX ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX XXXX Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Delbert Services
State: OH
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I took out a loan with Westen Sky and it was immediately sold to XXXX XXXX and then ended up with Delbert Services. They never took out the payment on the date they stated. It always took longer and ended up costing me in overdraft fees, etc. 
I have been called by several companies claiming to collect for Western Sky and Delbert Services, etc. They all threaten and call friends and relatives with threatening tones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is XXXX XXXX and i never had an address at this XXXX XXXX XXXX my mother lived there and used my information illegally

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 2023-08-07
Company: EQUIFAX, INC.
State: TN
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:
Each credit company have taken a few things off that was fraudulent but not all. Please help me force them to comply by the FCRA block section and block the remaining accounts and inquiries from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Solomon and Solomon, P.C.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. Currently, the credit bureaus have prohibited me from disputing any further. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attempts, XXXX, XXXX, and XXXX XXXX XXXX continue to verify this debt without proper validation. XXXX XXXX XXXX has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX and XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account was in dispute, they continue to reflect non payment monthly on my report. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the erroneous information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: American Credit Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, 2016 I received a letter from American Credit Acceptance stating they will not remove my dispute in regards to a hard inquire I disputes. In that dispute I requested American Credit Acceptance to provide me the documents they obtained that gave authorization for them to run my credit so I can verify its validity. American Credit Acceptance refuses to comply with my request. The name on the letter from American Credit Acceptance is XXXX XXXX. American Credit Acceptance is knowingly and willingly violating the FCRA. By them not providing me the documents it suggest they do n't have any therefore these inquireies have to be removed from my credit report immediately. If American Credit Acceptance continues to use delay tactics and knowingly and willingly not comply I will seek legal council and action. There dereliction of duty has resulted in a negative impact on my Credit Worthiness and credit score causing great distress..

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 2017-03-21
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from National Credit Systems Inc. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against National credit systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Penn Credit Corporation
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collector is harrassing me over a debt that is not mine, although I did recieve services from XXXX they did not send the bill to my insurance company within the alloted time frame and now are after me for collections.I have had the same employer for 17 years and before this dispute my insurance had paid for their services 4 times prior to this.I have a name of the person at XXXX who did not file the claim right.I contacted my insurance carrier and they said that they were never billed for the services at quest diagnostics on this occasion.I have tried numerous times to explain to these people but they will not listen to me, I even went as far as getting a rep from XXXX XXXX XXXX XXXX talk to quest and informed them that the statue of limitations ran out on their bill so because of XXXX diagnostics mistake they have messed my credit up and have really cost me as far as loans go, is there legal action that I can take against the collector? XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX, have lived in the apartment at XXXX XXXX XXXX, XXXX XXXX XXXX, SC for 6 years, with the same carpet flooring and same painted walls without an upgrade to the apartment which should have been done every XXXX years. Your letter is claiming I created this debit for upgrade to the apartment after I have moved out and not in a court of law but through the credit reporting process. 
However the documentation they sent fails to show in detail what was my responsibility verses the everyday wear and tear for the 6 year time frame I occupied the apartment. and the responsibility of the XXXX XXXX to maintain adequate carpeting and painting of an apartment you rent from the after you move out of the apartment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was out of work for over a month because I was in the hospital. I told them this and they told me I had to come up with the money. Then they asked me to borrow it from family members to pay on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX XXXX I took out a loan with Springleaf Financial. I spoke to the lending clerk before coming into the office and she told me to make sure that I bring in my driver 's license, birth certificate, social security card, and a voided check. When I got into the office she quickly went from page to page having me sign where needed as it was close to closing time for them. She told me what to write in for the collateral items for the loan, and also told me to write in whoever for the references as she was not going to call them she said. Lastly during this visit she asked me if I wanted to set up automatic payments using my checking account, I said no that I would prefer to pay it manually, however she made a copy of my check and said that this was for proof of a checking account and sent me on my way. After having a chance to read through the loan terms I found many many things that were deceptive. Like the extended first payment charge which I did not request and would have been against if I would have seen that during signing. 
Now a little over a month later, Springleaf pulls the payment from my account exactly like I asked them not to do. So I had this payment returned through my bank. Now upon this being sent back to Springleaf is when they realized they did not even have my signature to pull the payment and called me asking me to sign the form that was sent to me in the mail, which I still have in my possession because I did not allow this. This happened on two more occasions where they pulled money without my permission, once being a double payment to make up for the prior month. Which working in a XXXX, I know this is against ACH originator rules and regulations. 
In the meantime I tried contacting them through email regarding the situations on XXXX XXXX XXXX. I gave information to identify the account and prove I was a customer and never heard back from them after this. I said in the email that I did not want to be contacted by phone, only email. However they still continue to call. Once having even calling my employer, which I never gave permission for either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus will not send us paper statements, they falsely put out loan in their bankruptcy department when the loan ( sold from XXXX after being bought from XXXX ) was *never* part of the bankruptcy. We have been trying for months to get paper statements or at least view them online ever since the loan was sold over a year ago. This is insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be one less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with Equifax because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to Equifax in my dispute that if XXXX has it closed that they should be reporting the same. In fact, Equifax removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then XXXX years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( XXXX years ) I feel that all XXXX XXXX, Equifax and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all XXXX bureaus REMOVE this immediately from both my name and spouses. It was paid and released over XXXX years ago and taken off and on our credit, most recently placed on again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I lost my job and had to stop paying my monthly payments in XX/XX/2016. I called Discover card today to try and settle my account. I spoke with XXXX from Discover card who after me opening up and explaining a very personal situation he began to judge me and basically school me like a child regarding my account. I felt very insulted at the way he was talking to me when I was the one who called them to try and settle the account. He began to assume the reason why I stopped payment and was not listening to the real reason why. I have been with Discover card for 16 years and have never stopped paying the account. I wanted to settle my account but he was trying to shame me as to why I hadnt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover finance calls on my land line to my cell phone back and towards every day including Sunday from XXXXto XXXX every day at least 20_30 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX : My account was sent to collection. I was told that the regional director would be calling me to resolve the issue and never did. 
Forgot to call me after admitting the property manager was screwing up and he had to fire her over the issue. I want my deposit back and the collections removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BOEING EMPLOYEES CREDIT UNION
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Loan amount was for {$7400.00}. Due date was XX/XX/XXXX. Payment was received on XX/XX/XXXX for {$7400.00}. They are now trying to collect {$73.00}. They are calling the lendee 's work. The company is Boeing Employee 's Credit Union. They were chosen for this car loan by XXXX of XXXX in XXXX Washington

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical debt from XXXX XXXX PA, {$25.00}. Was paid by customer in XXXX receipt # XXXX. Then in XX/XX/XXXX debt was sold to collections and placed on credit report as collections showing past due amount of {$25.00}. Debt was disputed through XXXX and was not deleted as requested. But was marked as account information disputed by consumer. Debt was paid in XXXX, and was brought to the attention of original creditor again on XX/XX/XXXX and was informed that they were working on the issue and that it would be corrected. Credit report was viewed again on XX/XX/XXXX and is still showing past due {$25.00} in collections not being updated since XX/XX/XXXX. This collection should have never been placed on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a letter to the XXXX County XXXX in Michigan disputing a report of a tax lien that has been reported on my credit file. I requested validation of this debt and the clerks office sent back a letter stating they did not report this information to the credit bureau. I in turned sent a copy of the letter from XXXX to Transunion to have the tax lien removed. As of this date, nothing has been deleted. I advised Transunion of as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). Transunion communicated that this debt has been validated but did not show me how it was validated, they did not send a signature or anything.

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