BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have an interest Chequing account with Ally Bank. The account number, routing number, my signature, home address, date of birth and other vital information was compromised. I called the bank ( also in writing via their secure message process XXXX to confirm that someone having the above information ( and more ) would be able to access the account and withdraw all the funds. The bank representative confirmed that this is the case. I accordingly requested that to prevent such from happening, that they open an identical account, transfer the funds from the compromised account to the identical account and close the compromised account, thus being proactive and preventing any possibility of the party involved carrying out the possible fraud, in this case, robbing me of all the funds in the account, with the ability to do it over and over indefinitely. 
They would not do it at the time I had them on the phone, saying they needed a few days to process the request. I knew that meant they would not do it and my suspicion was confirmed when I received a letter from them saying that because of my credit they could not do what I am asking. This is nonsense since I am not a new customer and I ALREADY have an account with them. All they have to do is as I have outlined herein and avoid the potential and highly likely fraud from happening. This has NOTHING to do with my credit. I already have an account with them and all I want is an identical account, but with a new account number, so the crooks can not steal the little money I have that I need to survive ( eat and pay bills and sometimes not even able to do that ). HELP! This is life and death for me and not a joke at any level. I am barely surviving and it would be catastrophic if one penny was stolen from me. In fact although I do not have or want Overdraft Protection, Ally Bank continually charges me Overdraft Fees of {$25.00} and that means my bills do not get paid and/or I have not money for food. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: ORG GC GP Buyer, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
GC Services has continually contacted me at place of employment after numerous times of telling them not to call me at work yet they continue to do so and are very rude and disrespectful on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car paid for with  my U.S. Bank Visa  card. The car had over  XXXX  miles on it and had a carbon monoxide leak unbeknownst to me. I became unconscous while driving due to the carbon monoxide poisoning and crashed into a telphone pole. I filed all papers in my possession and asked the rental car company for repair documents, etc, which were never in my possession. They iniitially said they would provide them but then ignored my ema ils. U.S. Bank refused to proess the claim because they said " I should have kept copies of the papers. '' I did keep copies of the papers in my possession, but obviously I could n't get copies of papers the rental agency refused to provide. U.S. Bank refuses to reimburse me

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 2021-12-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX {$2400.00} I HAVE CONTACTED THIS COMPANY IN REGARDS TO THIS COLLECTION AND WAS TOLD I WAS GOING TO RECEIVE A FRAUD DOCUMENT TO SIGN, I NEVER RECEIVED ANYTHING TO SIGN. I HAVE NEVER HAD ANY XXXX  PHONE SERVICE THROUGH 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 2016-06-06
Company: Convergent Resources, Inc.
State: LA
Product: Credit card
Issue: Delinquent account

Complaint:
I HAVE A COLLECTION SHOWING UP ON MY CREDIT REPORT WHEN THIS ACCOUNT WAS PAID IN A SETTLEMENT. THEN THE PHONE WAS RETURNED BECAUSE OF NO SERVICE IN MY AREA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
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: Their investigation did not fix an error on your report

Complaint:
My name is  XXXX   XXXX . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623  fcra*. Transunion and  XXXX  will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies  (  which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX    which shows  19  120 day late payments ( missed payment violation ) sect 623 fcra states an account cant be listed more than 90 days past due which it shows  120  on both sites.   XXXX   XXXX    account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).  XXXX   XXXX  bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.

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 2015-12-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My name is XXXX XXXX and I am filing a complaint on XXXX. I was shocked to find on my credit a debt of XXXX in XX/XX/XXXX or XX/XX/XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to Beneficial that had closed their loan offices in XX/XX/XXXX. When I spoke with them in XXXX, XXXX acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because Beneficial is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid XXXX almost XXXX am I still required to pay more than XXXX % of my loan. I read that a consumer must only be made to occur only 1/8 percent of additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do n't know what credit management, l p I have like  XXXX  or  XXXX  charges in collections from them. I do n't remember dealing with a company like that please help me.

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 2017-05-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was notifi ed by care credit that my min. payment owed was {$200.00}! I understand that i did not pay off the {$1 000.00} dollars in a year, But i never missed a min. Payment in that year.Why in the world is my Min. now {$200.00}? I did not know this would happen, no one called me at the beginning to inform me of these changes.I am now paying {$35.00} a month, That is all i can afford! I received a very nasty phone call from one of their rep 's, telling me in no certain terms that we need to go ahead an take care of this NOW! I do not want any trouble, I always try to come to some kind of agreement. I really do n't appreciate the tone i was talked to in, I found it to be very rude! Is there any way i can get some kind of help dealing with this situation?

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 monetary relief
Consumer complaint received 2017-05-10
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Collector  has reported me delinquent w ith two 3rd part y Credit agencies with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. I have received no validation notice proving this debt belongs to me nor have i been given a chance to dispute this debt before  Debt  Collector reported this debt negatively to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
PHH in 2013 did not communicate they had not received from their mortgage originator XXXX the automated payment I had set up through online banking. 
As soon as I discovered the missed payment, I paid and set up automated payment so PHH draws directly from my checking account the monthly dues. 
Ever since PHH has represented me in credit reports as late payer and every time I contact them they claim I had a late payment in the last 6 months, while they can not substantiate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting my son 's bankruptcy on my credit report. I 've disputed this several times with them and each time they come back and still say it is mine. I 've sent them my son 's info DOB, SSN, along with case number for the bankruptcy. Now my son and I share the same name and is a  XXXX  so I can understand maybe the confusion but not after I 've disputed and shared this info with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is my XXXX case against this group - repeated attempts to reach them and the debtor are never successful. I keep getting collection letters about a debt that was paid over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX / XXXX / 17   XXXX   XXXX  I received a phone call at work after explicitly telling them to not call me at my place of employment. It was not given as an option but as a specific instruction to not call me at work ever.

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 2015-07-27
Company: FC HoldCo LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Flagship Credit Acceptance has cashed a vehicle warranty cancellation check which they should have sent to me months ago. I have been calling almost three months to get results along with my dealership who ran into walls trying got deal with them. I have encountered customer service reps who constantly hang up on me and give me no help. They advised me that it takes over a month to research a check. Which they claimed that they have mailed out before but they had the wrong address. If that would have beneath case the postman would have put it in the correct box since I have been in the same complex for 5 years. The managers are nonexistent I have spoke to several who have no clue of the process of researching a check. My loan is paid off so I do not understand why it is taking so long and they have confirmed that they have the check.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my home loan with Caliber Home Loans and they have ignored me and moved my file to foreclosure and now I have a foreclosure scheduled for XXXX/XXXX/2015!! I do n't know what to do because I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: ORG GC GP Buyer, LLC
State: IL
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:
XXXX XXXX, GC Services Limited Partnership, charged my card in the amount of {$650.00}. This was a debt associated XXXX. I had given XXXX my card number in XX/XX/XXXX. I never provided this entity with permission to charge my card, was never sent information to dispute the debt and without consent they used a card that XXXX had on file that was expired to charge my card. This behavior resulted in me not being able to pay bills and ended my ability to stay with this financial institution. I tried calling them and was hung up on. They reached beyond the scope of the Fair Debt Collections Practices and made up arbitrary rules. They have refused to respond to my inquires. I was not allowed proper rights in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: DISCOVER BANK
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX   XXXX   XXXX  - I called  Discover Student Lo ans and asked about deferment options. Explained in detail that my truck was broken and the estimate I was given to fix it was $  XXXX  {$5000.00}. I was told I could defer my payment for  XXXX  and have repayments start up again in  XXXX . They read to me over the phone the clause about understanding how th e 3-month deferment would effect future payments and I agreed. One month later I receive notificati ons that my payments are past due. I called DSL and asked them what happened to my deferment, they said notices were sent  XXXX  and  XXXX , I told them I was on a trip on  XXXX  and have n't checked my mail since we got back almost a week later but that I did get the email notification. They outright said " looking at the notes here I apologize you were given the wrong information, you should not have been offered the deferment to start with. '' I asked them what they could do because I already had made a realistic financial plan for the 3 months around fixing my truck and still paying my mortgage and other necessary home expenses. They forwarded me to  a Senior Accountant and he said " well if we do n't receive payments after 68 days we 're reporting you to the Credit Bureaus. '' Then he corrected himself and said we need almost {$800.00} in less than one mo nth!!! I told him, does no one understsand the situation I 'm in, I specifically gave all my information about my truck and I 'm just supposed to have {$800.00} in less than a month? I asked him - even though it was your fault for giving me the wrong information and even though I was approved on the phone, which it says in my account notes, there is absolutely NOTHING you can do, even though it 's DSL 's fault? He said yes, nothing they can do even though it was their fault. I asked if they could just honor what I was approved for because I had planned on starting repayments in  XXXX , he said no. Then he started to give me attitude and said - well we sent a letter that you did n't qualify on  XXXX   XXXX , I told him I did n't get that letter and he just kept giving me attitude. Really?! So they can give their consumers wrong information, approve products, and then " send a letter '' saying you were denied, no phone call, no email. I explained to them the situation from the beginning and stressed my financial situation, I said I could even forward receipts f or towing, parts, labor etc to prove how much it was costing me to fix my truck. The Accountant still said - there is nothing we can do even though we gave you the wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS URGENT. VIOLATION OF MY RIGHTS. I, XXXX XXXX, am submitting this document myself and there is no third party involved. I have reported an unauthorized account to Equifax. They had then processed an investigation with the creditor XXXX XXXX. The creditor is saying that, what they are reporting is accurate. Equifax continues to report this closed account. Section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states items that are supposed to be excluded from my consumer report. It states that ANY transactions and/or experiences between the consumer and the person making the report is to be excluded from such consumer report, yet Equifax continues to willfully neglect this law bought under the FCRA by continuing to report this experience between I, and XXXX XXXX which is the person making report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2017, I moved with my husband and XXXX young children to the XXXX XXXX apartment, Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, we did a 12-month lease. Within 10 months of reading, the condo became infected with Mold, many of the apartments in the condo had to close due to the infection. Our apartment got mold infected as well. The condo 's maintenance department hired an agency to clean up the mold, they closed our apartment, for weeks, we had to go to our parents ' house. In the process, all of our furniture, clothing, and other items had to be thrown away due to the infection. Our children got sick from the infection. We require the condominium to close the contract, to rent elsewhere due to the high volume of infection. After 3 weeks, the condo informed us that due to the mold, we could leave without problems, because there were only 2 weeks until the expiration of the lease. and that it was not required by law to sign any document to complete a lease. We left the condominium, with many material losses, but, 2 years later, a debt for the value of {$5800.00} appeared on our credit report. We never received notification from the condo, any calls, or emails to tell us there was a problem. We contacted the condominium about this problem, they told us that all the staff had been fired and they had no information, that we should contact the management of the condominium. We contacted the central administration, and after 1 month, the general manager asked us if we had proof of the problem to solve it. We emailed him photos and videos of the mold, the apartment closed due to infection and after 2 months of waiting they cut communication and sold the debt to a collector.

Company response to consumer: Closed with explanation