BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-10
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When we opened our accounts with BB & T, we chose to opt out of overdraft protection. On XXXX/XXXX/15, we had XXXX in our account, not enough funds to cover a purchase made to XXXX. BB & T paid for the purchase and charged us an overdraft fee. The charge should have been declined. 

The purchase was paid with the wrong card on file at XXXX. 

BB & T reorders transactions, paying checks last in order to maximize overdraft fees. This system renders the opt out for payment of debit card transaction useless to the consumer. If checks were paid XXXX or in order, then BB & T would have to decline ACH and debit transactions for lack of funds and the consumer would avoid overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: JPMORGAN CHASE & CO.
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:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, never gave any 3rd party any written consent to report anything on my consumer report. No contract is identity theft.

Concerning all accounts as a consumer I am demanding a deletion of these accounts.

Under 15 U.S. Code 1692h. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally Financial has been reporting inaccurate information to XXXX, XXXX and XXXX. All of my attempts to correct the reporting with Ally and all 3 credit reporting agencies has failed. Ally has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to Ally Financial on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
2nd Letter sent to Ally Financial on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to XXXX in regards to the above Ally account reported on the following datesXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof. 

Dispute with XXXX and XXXX sent in regards to the above Ally account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof.

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 2021-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello - I've been disputing the following below items with the bureaus and they all remain on there in violation of the Comprehensive Credit Act of 2020, Section 401. I've sent them multiple letters. No collection should remain without a contract. Same goes for inquiries as well. I have no authorization/contracts for such. There should not be any late payments either for accounts that I've paid in full, i've already discussed with them about this. 

XXXX XXXX XXXX {$4300.00} - Closed & paid in full never late ( unverified late markings ) 29 potentially negative months XXXX XXXX - Inquiry Unauthorized Inquiry from XX/XX/XXXX XXXX XXXX XXXX - XXXX, debt buyer??? 
Opened XX/XX/XXXX {$290.00} XXXX XXXX XXXXXXXX - unauthorized inquiry Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX/ - unauthorized inquiry Auto Financing Companies Inquiry date : XX/XX/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 2021-07-12
Company: Experian Information Solutions Inc.
State: LA
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:
These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! 1. XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX2. XXXX XXXX XX/XX/XXXXXXXX XXXX 3. XXXX XXXX XX/XX/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 2021-07-12
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2020, we applied for a 2 % interest rate mortgage to refinance our primary home mortgage with AmeriSave Mortgage Corporation NMLS ID # XXXX. The loan ID or Application # is XXXX. Shortly thereafter, we were informed our rate lock of 2 % with points of XXXX. We submitted all documents requested ( bank statements, payoffs, insurance, etc. ). We paid for an appraisal and loan application. Despite numerous promises, XXXX XXXX Loan Originator NMLS ID # XXXX, and his supervisor, XXXX XXXX, Mortgage Sales Manager Assistant NMLS ID # XXXX, our loan never closed. We have made numerous attempts to get responses but we were ignored and when a response came, it was plagues and that they will move to close the refinance. It has now been over 6 months and, again despite number attempts, we have not gotten any response from AmeriSave. In fact, the number you referenced by Mr. XXXX as his supervisor or contact if he is not available ( XXXX XXXX? sp ) with phone number XXXX ) is a senior living place called XXXX XXXX in XXXX XXXX. This whole process has caused us to miss refinancing our home at favorable terms.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Eastern Account Systems of Connecticut, Inc.
State: NV
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:
I received harassing phone calls from a debt collector by the name of " Eastern Account Systems '' based out of Connecticut trying to collect on an overdue account for " XXXX XXXX ''. It appears that XXXX gave out my personal information to this collection agency in an attempt to " phish '' for someone else 's delinquent accounts because we have a similar last name ( similar in last name ONLY! ) I 'm FURIOUS about this because for one - I did not authorize " Charter '' to release my personal information to ANYONE, and for two - they did not have " Just Cause '' to release my information. I want to know why this happened, and make sure that both of these Companies behave in a more professional manner by using accurate information - Also that they are not pursuing the wrong individual!

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
For two years, Portfolio Recovery Associates has attempted to collect a debt for an account that we believe to contain inaccuracies. In those phone calls made to us, our attempts to clarify info made the the representatives become more and more aggressive. The caller in some cases would scream, " So, are you refusing to pay this debt!! '' repeatedly. I feel that that was an attempt to trap us into making some verbal agreement or binding statement. After several calls like this and their references to taking legal action, my husband and I considered getting the matter behind us by agreeing to settle the account, but every call since then has stalled because of Portfolio Recovery 's refusal to send a written agreement. 

Their position was that payment was necessary before their representatives had the ability to print out, e-mail or request any kind of written request. Often, the collectors ' demeanor degraded from that point when we insisted on a written agreement before making a payment. We believe this collector had no intention of following through with discharging the debt as paid. I believe their intention was to restart the statute of limitation on this debt and/or sell the debt to another collector after recovering a certain amount. We believe these practices to be unfair and deceptive. 

It 's been two years and Portfolio Recovery has yet to file a law suit against us, which leads me to believe that our account had not been sent to a litigation department. 

I called one last time on XXXX XXXX, 2016 to confirm their position in regards to refusing to make a written agreement before receiving payment and to clarify account info. The call was recorded and is uploaded with this complaint. The call reflects their refusal to make a written agreement without receiving some kind of payment first. Additionally, I made attempts to clarify info about the debt and its validity, but the representative asked whether I was in fact asking for a " validation letter ''. As a layman to these matters, her reaction to that request gave me the impression that asking for a validation letter somehow had derogatory consequences for me or would cause a sequence of events that perhaps would force Portfolio Recovery to escalate their actions in this matter. So, I declined that request. As I understand, one has a right to their collection information, but because of their fear tactics, I hesitated asking for more info. Again, we believe these to be unfair and deceptive practices. 

I later spoke with a gentlemen that offered to email or send a " courtesy letter '' about our account. At the end of the call I reminded him that I would in fact like to receive that courtesy letter giving us information about this collection, but as of this date, we have not received anything via mail or email. 

At this point, we feel that our only recourse is to contact an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: Direct Recovery Services, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous phone calls over the past few months fromDirect Recovery XXXX XXXX XXXX, XXXX, NY XXXX. 

The phone calls are for XXXX XXXX. The collection agency leaves personal information about this debt and threatens to file legal action against this person. 

When I called to ask them to stop, they refused to provide any information, including the address to which to mail a cease and desist letter. I obtained the address information from a reverse phone number search. 

The phone calls are approaching the level of harassment. They come at all times of the day/evening. 

According to my caller ID, the calls come from XXXX. The phone number left to call is XXXX. The person says that her name is XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2021-07-12
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
An Analysis Report dated XX/XX/2021 was sent to me from my mortgage company Shellpoint Mortgage Servicing. My monthly mortgage premium was {$4800.00}. As of XX/XX/2021, my premium was increased to {$5200.00}. Upon reaching out to the mortgage company they explained to me that there was a shortage of {$1700.00}, which they would spread out over a 12 months period, which would result in a increase of {$140.00}. Since XX/XX/2021, I tried to have someone explain why my payment was increase and currently my escrow is in the negative of over {$2000.00}. 

Thanking you Concerned Consumer

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the XXXX. the issue was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
No response was being sent to my mail despite of several dispute letters I sent to the credit bureaus. Please see list of accounts I disputed to them : XXXX XXXX | US DEPT ED Account # : XXXX | XXXX  Account XXXX : XXXX | XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX | XXXX  Account # : 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 2017-04-28
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
over due parking ticket for the city of  XXXX   XXXX  was paid in full to the city of  XXXX   XXXX  in  XXXX   2017  ( check mailed  XXXX   XXXX , cashed by city  XXXX   XXXX   ).      Despite this ticket being fully paid 3 months earlier, "   XXXX   XXXX   XXXX   XXXX   XXXX  '' intercepted funds from my CA state tax refund - notice issues  XXXX   XXXX   2017 .     This should not have happened.   Upon contacting   XXXX   XXXX   XXXX   XXXX   XXXX , I was informed that they will evaluate a refund upon receipt of proof of payment and debt notice, and that this will take bet ween 90-120 days / another 3-4 month s.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is doing so many illegal things to my credit report In less than one month had been changing a paying history of acceptance now 3 time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity Bank charged interest on my fully paid account notwithstanding their credit card statement specifical states, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' Noted on the attached 5 pages ( pages 1 - 3 are from the XXXX XXXX statement and pages 4 - 5 are from the XXXX XXXX statement ) are numbers 1 through 5, designating the following : 1. The new balance in the XXXX statement was {$2000.00}. 
2. The due date on this balance was XX/XX/XXXX. 
3. The reverse side of the statement reads, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' 4. The balance owing of {$2000.00} was paid on XX/XX/XXXX which is inside the XXXX/XXXX/XXXX due date. 
5. Yet, Comenity charged {$21.00} interest.

On a phone call to Comenity at the number on the statement, I spoke with XXXX. She advised that once there is a late payment, " you are in the interest loop '' and you can never catch up unless you don't use your card for two months. '' I asked XXXX if paid my XXXX statement balance of {$130.00} today ( XX/XX/XXXX ) even though it is not due until XX/XX/XXXX if I could get out of the " interest loop '' and she repeated that I'm " stuck '' and can only get out with two months non-use and that Comenity also would charge me interest on my purchases after the XXXX statement was sent even if I paid my " entire balance by the due date. '' Of note, the " late '' payment Comenity claims was late, was not -- - the due date in XXXX was XXXX and the payment was mailed to Comenity on XXXX, yet Comenity delayed posting until XXXX so they could charge me a {$35.00} late fee and put me into their " interest loop. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is the worse company EVER. I have been trying to get a BOE and title to my car for almost a year. Over the last several months, I've talked to 17 employees at the finance department. They make promises they do not keep. They submitted my bill of sale to CA DMV in the wrong amount and the CA DMV says I didn't pay the correct amount of taxes. They finally sent me a copy of the bill of sale Which had the wrong sale date and the wrong amount. omg, THEY ARE XXXX!!!! Every time I call I have to tell the story over and over again. They always have different information from my previous calls. I spoke to a supervisor, XXXX, operator # XXXX on XX/XX/2021. He gave my his word of honor he'd call me the following Friday, XX/XX/XXXX. I never received a call. When I called today, the first person I talked to said the " call was disconnected '' That's XXXX, I never received a call. They lie to customers. They are not organized. Seriously, their " customer support '' ( Laugh at Customer service ) There is nothing service orientated about this MESSED up company. Here it is over a year since my car was paid off. I can not get my pink slip, a correct BOS or BOE. I filed a complaint with the XXXX, consumer reports and any other agency I can find to do so. I need help please. I attached the wrong information they ( Kia ) sent me and the correct information of our payoff amount through my credit union.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 explanation
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Acct # XXXX XXXX owed Another address they have is Capital one XXXX XXXX XXXX XXXX VA XXXX This debt is not mine. See attached certified return receipt asking for a signed contract with my signature on it. No one has sent me anything after 15letters. 
Remove my credit or provide the sign contract.

Company response to consumer: Closed with explanation