BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I leased an XXXX in XXXX for 48 months. I have purchased two vehicles since then. But this old lease information keeps reappearing on my credit report. This is an old paid account. This should not report that I still am in possession of this vehicle since XXXX. Please remove the vehicle fro My report. I have not been responsible for or in possession of this car since XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Accounts open not by me and overdrawn

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 2021-03-23
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: Investigation took more than 30 days

Complaint:
I checked my consumer report and saw that the credit bureaus are committing fraud. As per 15 US Code 1681 Section ( a ) ( 4 ) the bureaus are violating my right to privacy. I never gave them permission to report anything on my behalf. I mailed the bureaus on XX/XX/21 and have saw no response. I am trying to refrain from filing for litigation, but i do no feel like my concerns are being taken seriously by Transunion, XXXX, and 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 2021-03-23
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank account open that i have no knowledge of opening. No fraudulent activities were performed.

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 2016-03-17
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection is erroneous and I do not owe any debt to them. XXXX never sent me a final bill as they had an address of a home I have never lived in. I was never called, emailed nor did I ever receive a physical bill. There was no way I could have known I had an outstanding balance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call twice a day, everyday. I have told them I am a full-time student and unemployed. They claim to notate it on my account and say to call them if anything changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a lump-sum payment to Ditech ( XXXX XXXX, SD ) at the end of XXXX to bring my mortgage current through XXXX XXXX, 2016. Since that date, I have received several collection notices. After numerous telephone calls to the customer service department, my mortgage is still reflecting a late payment. The funds are in a 'suspense balance. ' Today, at XXXX, I called again. The rep does not know what the problem is and neither do I. Perhaps your investigation will provide the answers I seek.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I applied with XXXX  XXXX XXXX to have my credit limit on my credit card to reflect more money. One of the reasons I was denied was to many credit inquiries on my report in the past 12 months. Before this I have not applied for anything that would require a credit report. This letter I received was XX/XX/2021 2021

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 2021-03-23
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment of {$300.00} on XXXX XXXX through the Allly Auto App. The goal of this payment was to decrease my principal amount. Instead the amount was applied to the monthly payment amount {$650.00} due on XXXX XXXX. I called customer service to inquire as to why my payment was not applied to my principal and was informed the app does not give you the option of making additional payments toward principal only unless it is more than the amount of the payment due. I have my regular payments set to auto pay and believe that this practice is unfair to those who do not have than the monthly payment amount available to make toward an auto account. The customer service manager informed me that in order to have a payment applied to the principal of my account balance that is less than the monthly payment. I would have to call the customer service center. It is a great inconvenience to have to call to make an additional payment because Ally does not consider a small payment toward my debt worth calculating through the Ally App.

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 2017-02-23
Company: Diversified Consultants, Inc.
State: GA
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 has sold this account to Diversified Consultants, in return Diversified Consultants never sent a letter out this company placed this account XXXX on my credit report. If Diversified Consultants would have taking the time out and contact me then would have known the account was taking off my credit by Consumer Financial. XXXX was notified about the complaint and XXXX XXXX XXXX also knows this was taking off my credit. 
CFPB first complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX we received notification via mail from Ditech the company that services our mortgage that our escrow account is negative over $ 13XXXX. As you can imagine we were shocked to say the least. The escrow statement was the first XXXX we have ever received from Ditech and first notification that we were ever negative in our escrow account. We called Ditech to get answer as to why we were never notified of such an amount negatively affecting our account and the rep for Ditech advised us our escrow account has been negative since they took over our mortgage in XXXX XXXX. She continued to tell us that any negative escrow amount would 've been notified on our monthly statements. I challenged that claim and she verified that indeed it does not show on monthly statements nor does it show we were negative using Ditech 's customer web portal. I have attached a few statements and screenshots from their customer portal indicating nothing was communicated to us via mailed statements, website, phone or mail that we are negative more than XXXX in escrow until recently. In their history of statements in their web portal they have never issued escrow statement for XXXX XXXX nor when we use their customer escrow portal tool does it state we were negative. We have listed our house for sale as direct result of this issue. So how does a company expect us to pay the overage when we were never notified and the information was hidden from us?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 Tjx Rewards Platinum Master Card ending in XXXX XX/XX/2021 BP Visa ending in XXXX XX/XX/2021 Amazon Card ending in XXXX XX/XX/2021 Lowes Advantage Card XXXX XXXX XXXX XX/XX/2021 Synchrony Homes ending in XXXX XX/XX/2021 Rooms to go ending in XXXX XX/XX/2021 Care Credit ending in XXXX XX/XX/2021 Amazon Card ending in XXXX Synchrony Closed all these accounts and the reason is high risk of failure to pay which Never late on any of my credit cards ever some had no balance and never been used also the would close an account then they say to apply and they give it back to again just to close it in a month to destroy my credit score.

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 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Good morning to all, I always thank you for your help when I had problem famous bank of America. Today I come again beacause with that bank it always a problem for me to understand them. 
Yesterday night I was reviewing some activities on my app and I suspected something wrong, the famous bank charge me INTEREST ON PURCHASES on a cart that I'm not using for more than a year ( since my last problem with them ). 
I prefer ask you for help it is why I don't call them I don't ' believe on their words. 
I could not open my statements. 
I could not access to my transactions for that they are making men pay interest on purchases. 
I don't know if they really fixed my credit the last time.

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 2022-04-11
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  XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 a 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 2017-03-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have multiple accounts with USAA. ON XXXX/XXXX/17 USAA. On XX/XX/2017 I deposited a {$300.00} USPS Money order made out with me as the Payee into my Checking account. According to their Depository Agreement the funds should have been available with in 2 business days. USAA put a 7 business day hold on the funds. On the day before the funds would be released I had a balance of {$220.00} and an available balance of {$23.00}. At this time a {$30.00} ACH payment was presented. This would have caused a {$7.00} negative balance. My overdraft protection linked to my USAA Account Card was charged {$100.00}, but the {$100.00} was never deposited into the account, in direct violation of the depository agreement. At this time, I try to make a payment with my Checking Account Debit Card thinking the {$97.00} remaining from the overdraft transfer is in that account, but it is denied for insufficient funds. But, I ca n't use USAA Account Card because the {$100.00} overdraft transfer has been removed from it. The response from the CEO office 's representative was I ca n't help you, I 'll add it to the discussion list at our next meeting to see if something needs to be changed. Totally unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: OR
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 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 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Bepensa Capital, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I surrendered a vehicle in XXXX of 2015. My balance was around {$12000.00}, and they sold the vehicle for just under {$5000.00}. With fees and interest, my account charged off and reported to my credit as me oweing a little over {$7900.00}. I decided to call them and see if I could pay a settlement amount to have the account satisfied. The customer service rep I spoke to, after over 15 minutes and several reps that could not find or assist me on my account, was very rude and kept telling me very incorrect information. She tried to tell me that my balance was actually over {$10000.00} due to the fact that the amount charged off, did not include any of my per dium interest accumulated during the life of my loan. I 've worked in the subprime lending industry and I know how simple interest loans work. But she tried to tell me that THEIR company charges the interest at the end of the loan, even though my contract did not state this AND my payment history did not reflect this. She tried to tell me that she would be willing to take off the {$2500.00} from the {$10000.00} she said I owed. This is an incorrect amount by my payment history, as well as the agreed upon terms in my contract. She was attempting to collect on a higher amount then what I owe amd lied to me on how their simple interest loans work. She refused to get me to a superior, stating she was the boss and there was no one above her.

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 2021-03-23
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a house through XXXX XXXX. Who then sold my mortgage to BBT. I received my first payment/invoice in XXXX and promptly made a payment XX/XX/2020. I then paid each month before the deadline of the XXXX of each month there after. I'm not sure why but they reported me on my credit report of being late for XXXX, XXXX, XXXX, XXXX and also owing {$280.00} in late fees. I called BBT and they were to look into it and then they sold the mortgage to Suntrust. I then called Suntrust and the rep said I was late for XX/XX/XXXX and I explained I didnt even get my invoice until mid XXXX. To date I have not gotten any resolution on the matter. I have proof of payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX - which also shows on my account so I am very confused. This reporting is hurting my credit severely and during this trying Covid time I am struggling.

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 2021-03-23
Company: EQUIFAX, INC.
State: MA
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:
I sent a dispute to XXXX, Equifax, XXXX, which they stated was verified. 

I sent validation letter to original creditor XXXX XXXX. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Please review and note my perfect payment history speaks for itself, the reason I was late for these payments were extraneous circumstances, I did not receive statements.

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 2021-03-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Re : application # XXXX XXXX XXXX XXXX Vendor denied credit card on basis of Equifax Credit Information Services. 

My letter to them dated XX/XX/2021 averred my outstanding credit with various accounts including XXXX XXXX and MasterCard. 

Requested explanation for their report. 

Never received response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Diversified Consultants, Inc.
State: VA
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:
On or about XXXX 2015, I found a negative reporting entry on my credit report posted by Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX for a debt allegedly owed to XXXX. The entry showed that the alleged debt was reported in XXXX 2015. I called Diversified Consultants and asked why they did not verify the debt by sending me a letter as required by law. They claimed they did ; I did not receive any such letter and I informed them about it. I have since noticed that they have noted on my report with the following information " Account information disputed by consumer, meets FCRA requirements '', meaning that instead of correcting the report and sending me a letter to verify the alleged debt, they have suo motu decided that they were in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech representing XXXX threaten foreclosure on my home even though I 've made timely payment ever since I signed the Green Tree paperwork back in 2014. I do not answer Ditech telephone calls. I will not answer harassing/threatening phone calls from argumentative Ditech employees that have been trained to harass customers. I will attach Ditech correspondence and my response at your appropriate prompt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account with Chase Bank. The account was closed by them after I deposited a check through there online app. the check never cleared and they are now trying to charge me for this check.

Company response to consumer: Closed with explanation