BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-02
Company: ALLY FINANCIAL INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Ally bank was sued because they were charging minority borrowers higher interest rates for their auto loans between XXXX XXXX and XXXX XXXX. I purchased my vehicle and was Finaced by Ally Bank on XXXX XXXX XXXX. I was financed for XXXX my first payment was made XXXX XXXX XXXX. A third party individual contacted Ally bank XXXX/XXXX/XXXX and spoke with a representive name XXXX ( ID # XXXX ) he advised her i was charged XXXX in finance charges between XXXX XXXX- XXXX XXXX I owned the car for 25 months.. and was being charged round figure of XXXX ( Est ) dollars in finance charges a month..this is defamation of character i request ally to refund me ALL of the Finance charges ive paid there company between XXXX XXXX until XXXX XXXX. Ally went against the ECOA implemented by the board of Regulation B that prohibits discrimination in any aspect. ALLY racially profiled me as XXXX due to my last name being XXXX then decided to charge me a higher interest rate. Ally Violated the FCPR Which assures Fairness of consumer Financing..A third party individual spoke with Allys customer service representatives on XXXX/XXXX/XXXX they Released my account information to a third party who does not have a direct connection with this transaction. IN fact they were knowledgeable enough to call her madam throughout the call but not once requesting to speak with the primary account Holder and she was able to get access to all of my account information Which Violated the Privacy act of XX/XX/XXXX ( Pub.L. 93-579, 88 Stat. 1896, enacted XXXX XXXX, XXXX, 5 U.S.C. 552a ),

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are several accounts on my credit report that have been deleted and are still showing on my report. Also, I supporting document that XXXX account has been completely paid off and should have never appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An auto loan with XXXX XXXX XXXX which is correctly shown on my Credit Report as paid in full in 2005 is carried on my Credit Report as an open account. That makes no sense so I would like it deleted from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This complaint is reference to CFPB case # XXXX. Equifax is using stall tactics to correct the errors on my credit report. Please see the attached documents from Equifax that this attached to case # XXXX, which shows XXXX XXXX # XXXX was removed from my account. Now why do I need to wait 30 days from them to reinvestigate when it 's showing there document with the report number # XXXX. Also, the XXXX account is reporting late and the account is closed, plus over the status of limitation. Equifax is changing the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I get Va XXXX XXXX XXXX all payment come directly out of my bank account.. i do n't understand how i can be late,, my credit score was XXXX,, now it below that..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
Paypal is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Paypal is ignoring. I even contacted Paypal but they have yet to make any changes as they are looking into it. This is for a credit card that had a credit limit of {$500.00} and was opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
I did not authorize Discover to debit my mother 's bank account for {$100.00}. Discover said that I did. They put through a payment for {$100.00} and caused my mother 's bank account to bounce and now they will not reverse the transaction and pay the XXXX bounce fees that are on my mother 's bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me up to 6 to 8 times a day and they will call all day on Sundays. We told them that they should n't be calling us on Sundays and they do n't stop. We are only behind about {$200.00} we have talked to them and told them we have been paying {$75.00} over per month on our bill. They said we need to pay the {$200.00}. Our monthly bill is {$400.00}. They have told us that they will keep calling until its paid up to date.

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 2017-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Experian assisted XXXX by claiming they investigated this account and refused to remove it. 

I decided to go and do research through the XXXX state ( Texas ) as of XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

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 2015-04-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
*** This is not a Duplicate ***My mortgage company lack of security allowed my tenant ( XXXX XXXX ) to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX XXXX XXXX. I have taken actions to correct my part, but I need to have the harm caused to me removed from my credit file. 

I have sent the following proofs of fraud on my account to Experian and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( XXXX have been a failure )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A Collection Debt has been on my Experian Credit Report for over 13 years. I have asked it be removed in the past and Experian has responded by changing the " Open Date '' to make the debt seem current. This has happened several times. As of today, the debt still remains as a collection debt on my report with an open date of XXXX even though Experian has been reporting this collection debt since 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 2016-06-28
Company: LJ Ross Associates
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This phone number XXXX from LJ Ross and Associates continue to call my cell phone and tell me that I owe medical debt in XXXX when I have never been to XXXX in my life. They will not stop calling me!! Its rather frustrating especially when I know I do not owe any hospital debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Trident Asset Management, L.L.C.
State: NJ
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:
This is not mine cause if it was i would not have XXXX under my name now and my bill with them is completely up to date!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested XXXX XXXX via XXXX that PMI be cancelled on my loan on XXXX XXXX, 2015, by letter, and again on XXXX XXXX, 2015, via website. The reply implied that in 10 business days, there would be a response. On XXXX XXXX, I again contacted the lender through its website stating that I had not had a response at all. I still have not had a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Podium Mortgage Capital LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX is usurping RESPA Guideline and spending large amounts of money in marketing to the Realtor community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My husband and I purchased furniture from XXXX XXXX. We applied for a 24 month interest free loan through XXXX XXXX that was being financed by 1st Heritage Credit ( First Heritage Credit XXXX XXXX XXXX XXXX, XXXX, XXXX, LA XXXX, Branch Manager XXXX XXXX ). The amount of the furniture purchase was {$2700.00}. We received correspondence from 1st Heritage stating our payment amount was {$100.00}. This means we would not pay off the purchase price within the 24 month interest free period if we paid their " payment amount. '' We then received a " 1st Heritage Payment Statement '' stating that our loan amount is {$3800.00}. 1st Heritage 's statements and correspondence have been very misleading. We did not agree to a loan amount of {$3800.00}. We also do not owe them {$3800.00}. We feel as though 1st Heritage is making these process misleading and trying to get us to pay an extra $ XXXX for the furniture that was financed. This process is so frustrating that will likely take money out of a saving account to pay off this loan as to not deal with a dishonest lender. It 's frustrating that this loan appears to be hard for the average consumer to manage and understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I would like to make complaint on PNC Bank regarding a allotment that was going to a incorrect account and the XXXX Branch and XXXX, OH customer service number can not see or pull up. I receive a letter from the Branch which state that account is not a PNC Bank Account. The allotment was withdrawal from mine personal pay check and I 'm getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Ocwen Financial Corporation
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX continues to claim I am responsible for the mortgage on my ex-husband 's property even though I signed a Quit Claim Deed that was filed with XXXX County on XXXX XXXX, 2011. I corresponded directly with XXXX and included a copy of that Quit Claim Deed but they completely ignored it. They referenced a note I signed in XXXX 2011 ( which was clearly prior to the filing of the Quit Claim Deed in XXXX 2011 ) for my ex-husband 's property and stated a divorce did not release me from the debt. Note, they did not once mention the Quit Claim Deed in their correspondence to me, i.e., they intend to continue to perpetuate this fraud. It needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Over the past few months M & T Bank has charged me over {$6000.00} in insufficient funds fees. They continued to process ACH debits after charging me stop payment fees stating that placing a " stop payment '' is a request and not a guarantee. They will not allow me to close the account or open a new one to stop these debits while the account has a negative balance. As soon as my direct deposit credits are posted, more fees are charged and my account returns to overdrawn status. It 's a horrible cycle that is costing me and my children everything we own. I would just like the insufficient funds fees refunded so we can try to save our home and car. I 've contacted M & T over a dozen times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
An unauthorized charge of {$2600.00} was executed on my credit card, and after several months of attempting to resolve the dispute with the credit card company, they refuse to reverse it.

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 2021-01-18
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
My name is XXXX XXXX. I received a Way2go prepaid card and I never applied for. It came under the name of XXXX XXXX XXXX my previous married name ). I Have called the number behind the card and it required me to activate the card first. I dont know what to do to report it and cancel it. Please I need help with this issue. I have an idea of who did it. His name is XXXX XXXX. Im going through a divorce and he is been trying to open credit in my name in multiple occasions. He is a felon in the state of Florida. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our Citi mortgage with another lender in 2009. Citi failed to file a lien satisfaction / cancellation of debt for the loan that was paid off through the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Usaa bank and its evil CEO XXXX and XXXX XXXX ( ext XXXX ) illegally closed my account down after being identity theft then kept over {$15000.00} in my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CITIBANK, N.A.
State: WI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Unknown/ unwanted inquiries not authorized to remain on credit 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 explanation
Consumer complaint received 2017-02-06
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out a student loan back in XXXX in the amount of $ XXXX for XXXX school. I started paying them back but after 3 years I was pregnant, moved, and did n't work for a while. They deferred the loans but eventually they went into default. My loan is currently with XXXX XXXX Texas Guaranteed XXXX XXXX XXXX XXXX and they received the loan XXXX/XXXX/XXXX with a balance of {$16000.00}. As of today, XXXX/XXXX/XXXX ( 23 years later ), my balance is {$18000.00}. Now I could understand this if I had not been making payments. However, I have consistently been making payments and have paid to date on this loan the amount of {$42000.00}!! XXXX keeps adding collection cost even though they never have to call me. I feel that for the amount of money that I have been paid back, that I have satisfied my debt to the federal government which was in the amount of a little over {$17000.00}. I wrote XXXX DC and they wrote me back stating they were investigating my case and then nothing. Every time I called I could n't get anyone on phone. I do n't know where to turn and hope that someone can help, and hopefully that someone is the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: MNE Services, Inc
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Today I received an email from them saying they were pressing charges against me for check fraud for a defaulted loan I have with them. They told me I should have someone ready to get me out of jail. They also told me that they were going to talk to my superiors at my job and let them know what I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Suntrust Bank I applied online to get a bank account and it was approved and opened up. About a week or so later I received a letter from the Back office department stating that the account will be closed due to information reported with XXXX XXXX Services. So I left it at that knowing the account was going to be closed and I would have to find a bank somewhere else. Now a few years later I start to clear my credit and pulled and asked for a Consumer report from XXXX and Suntrust Bank has me listed as Non-Sufficeint Fund ( NSF ) Activity and is reporting that I owe them {$84.00}. Now I called the customer services and they stated my account was charged several return check fees and that I had to pay and they would update XXXX and XXXX XXXX Systems. What?? How can you do that when you told me the account was not going to be left open because you closed it due to reported information from XXXX XXXX Services. Such a XXXX double standard

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I received a call from XXXX. XXXX XXXX of the XXXX Police Department regarding me being a victim of identity theft and XXXX apprehending the suspect who had counterfeit identification cards in their hands, one of which had my name and information on it. XXXX XXXX, the suspect, has been circulating since XXXX, taking people 's personal information by sending mail to other locations to get loans, vehicle loans, medical treatment, and housing. XXXX XXXX, the suspect, is presently being jailed on a {$100000.00} bail for mail fraud and other counts, and I have also charged him with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder.

Company response to consumer: Closed with explanation