BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: ALLY FINANCIAL INC.
State: CA
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:
Someone has had my social security number for going on two years or more now. My credit is trashed, and I have over thirty-two hard inquiries on just my XXXX credit report from many different creditors. I have tried to contact each creditor to no avail, they tell me all my information matches up, thus not being able to remove the inquiries. These inquires WERE NOT ME, I have had my mail stolen countless times, credit cards stolen, bills, refund checks, identifying information, and much more. These creditors have not helped 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 2022-04-10
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 Midland credit have been sending me bills speaking about a balance for a previous credit card and the amount of {$520.00}. Every month I send them {$20.00}. On XX/XX/XXXX I had called in to see what the amount was that I could pay it off. They offered me a deal of {$470.00}. I then had to go to a friend to borrow the money I loaded it on a prepaid XXXX card. I called them back and gave him the information on the card along with the security. They kept saying that they didn't receive the amount ended up the card was declined. When I had called the cord later within XXXX minutes the card had been completely drained and was spent at numerous places like walmart.com. the people told me that they were with Midland credit they even gave me an account number and everything. I have no idea on what to do next. And they recently sent me another bill for a {$20.00} due by the end of the month the difference is now it's a different XXXX XXXX XXXX they have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinancing my current mortgage with Bank of America and it got denied because they claim that they did n't get the accurate employment history from me even though I sent in all my previous XXXX 's and an offer letter for a new job on X/XX/17. After emailing all the information XXXX XXXX from BoA has requested, he assured me that everything ( including all my XXXX 's ) looked great and asked me to charge my credit card for the appraisal fee of XXXX on X/XX/17. At the end, the underwriter denied my application because not being employed for the last 6 months continuously was against their guidelines. Afterwards I asked for the reimbursement on my appraisal fee since it 's truly due to his oversight on this matter. If not being employed for the 6 months was indeed a problem, then he should have brought it up then. Instead he asked me to move forward with the appraisal without reading all the documents I emailed him. I tried to resolve this matter amicably by emailing him multiple times but I did n't get any response regarding this matter. I would really appreciate your help on this!

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 2015-07-08
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It has been reported to the credit agencies by Citibank that we have missed mortgage payments and are delinquent. The reporting of this information by Citibank is an error and is false. As a victim XXXX we were told by Citibank that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. At the end of the forbearance, we started to make regular scheduled payments. Shortly thereafter, we received notification from Citibank that the entire balance for the months of the forbearance were due in full. When we called, we were told by Citibank that the information we received regarding the repayment of the forbearance amount was incorrect. Citibank stated that this was the result of inaccurate and misinformation being administered by customer service because of the unique situation regarding XXXX XXXX. Citibank further stated that in their effort to administer aid to XXXX victims as quickly as possible customer service was not fully knowledgeable of what procedures regarding forbearances were permitted. 

As a result, every mortgage payment we made was being applied to the payments due during the forbearance period thereby making our current payments appear late. We have been trying amicably to resolve this issue and have spoken to countless customer service reps, supervisors and have even written to the office of the President, to no avail. Even after sending us two separate letters stating that they would repair our credit, CitiMortgage has failed to rectify this matter. This has been going on since 2012 and our credit reports appear as if we have missed numerous payments. This is not possible because the forbearance was only for XXXX months and when it was over we started making payments and have continued to do so to date. As of XXXX 2014, Citibank sold our loan to XXXX and the misinformation and negative reporting has been continued by XXXX. We were with Citibank for close to XXXX years and never missed a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # 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 non-monetary relief
Consumer complaint received 2015-04-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a credit card statement and it contained a {$75.00} " fee '', which was not detailed and no explanation was given. I contacted Citibank and a representative reviewed and finally answered that it was an annual fee. I asked why this was not printed on the statement and the representative stated that it 's a known problem, and that he 'd share my concern with management. I felt that answer was insufficient and asked to be transferred to a manager to discuss why Citibank is placing charges on my account without an explanation. I waited on hold for XXXX minutes and the call was disconnected. Today I logged onto my account to verify a {$1000.00} payment I sent from my bank on Sunday had been applied and noticed my account was closed. I called Citibank and they said that it 's their policy to close an account if a customer questions the validity or usefulness of paying the annual fee if a call is disconnected while waiting to speak to a manager. This policy is not stated in my card member agreement, and is not printed or published on their website. This seems completely insane and incomprehensible. They stated I would have to re-apply to get the card again, including a credit check, which negatively impacts my credit. I have had the card for almost seven years, very actively used it, and never been late in payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am one month behind on my credit card bill due to changes to income and family sitatuion that were unexpected. I have cummunicated my current situation to the people at Synchrony Bank and it is like they do not care. They are calling my phone XXXX times per day a lot of times right after XXXX and within 2 hours of each other. This is harrassing and starting to affect my concentration at work as they are calling all day. I will pay them once I obtain the money ... told them this as well. My credit used to be XXXX and now has decreased to the XXXX since my hardship. I keep my word but trials come up that you must handle and this is one of them. Please help ... I am sure they are harrassing others as I and I am only one month behind. Next step is considering legal action for emotional reasons. Thanks for this site to vent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A Certified letter was sent and received by the company on   XXXX   XXXX   The letter stated that I had complaints about the reporting of some items on my report. I also have a record of them calling before  XXXX . They never responded back to my letter on time and also failed to mark my report as disputed on time. They have violated the FDCPA and FCRA. Looks like up to {$3000.00} in violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I am no longer wanting to dispute the account and the collection agency is refusing to remove the comment from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I were away traveling overseas and did not have access to email. We thought we had set up autopay for our mortgage. We were away from XX/XX/XXXX to XX/XX/XXXX for travel overseas. We were not able to receive any mail till XX/XX/XXXX. At that point we were told we were 30 days late for a payment. We immediately corrected the problem but we received a bad mark on our credit report. We have not had a late payment for the last 20 years on my credit report. We believe Wells Fargo Home Mortage is being unreasonable in this situation. We have contacted Wells Fargo but they have refused to fix the credit reporting. This is unfair and we didn't receive notice.

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 2022-04-10
Company: EQUIFAX, 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 Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX was hired by an apt complex that i had moved out of, with the rent fully paid, during this time they had mangement change, an they reported that i still lived there. i did n't i was living in XXXX.when i return i tried to rent an apt , to my suprize i had to pay this company off and i did, they said if i did n't was committing crime, an would go to jail.if i paid the money they would remove the debt and remove all trace of it from my credit records.i payed, they did nothing but cash the check.i have all there letters and phone calls.they then started to write bad remarks on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was told by my bank lender that I was not approved for a personal loan I have applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$11000.00}

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 2020-03-25
Company: TRANSWORLD SYSTEMS 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, XXXX, and Experian in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.

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 2015-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian, reporting a negative information 's on my credit report # XXXX .This is a medical disputes with XXXX XXXX Hospital , The company that are reporting the information 's is XXXX XXXX XXXX account # XXXX, They are a medical debt collector business. The amount owe {$120.00}, All of this come from a car accident 1year ago My lawyer have filed a law suit against driver insurance policy ( XXXX ) My legal team have added this bill to the lawsuit. This negative information 's should be remove until the case is settle. New law went into effective XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XX/XX/XXXX Ford Explorer XX/XX/XXXX. I had XXXX for the first year of payments and then was transferred to Santander for the remaining. I paid my payments for a total of 7 years on a 6 year loan and ever time I would think I was going to pay it off I would still owe {$3500.00} to {$4900.00} dollars. I tried to call them and ask them how this is and how I still owe this amount and they were really rude about it and would n't give me an answer. I paid a total of {$42000.00} dollars for this truck that 's worth about {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: GMA Investments, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was told by my bank lender that I was not approved for a personal loan I have applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$11000.00}

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 2022-08-04
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: Their investigation did not fix an error on your report

Complaint:
Equifax still haven't emailed or called me back and I still can't login.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Professional Receivables Network
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX collection agencies ( each saying they represent XXXX ) contacted me on the same date regarding the exact same account. XXXX by phone, the other by letter. Does the FDCP Act allow that? How am I supposed to know who to deal with? I dispute the charges to begin with. Is it my burden to dispute the matter with XXXX collection agencies? What if I settle with XXXX and the other keeps hounding me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I applied for my online credit report and score from Equifax and downloaded same. The fee for the FICO score was {$7.00}. I entered my Debit card information as requested, When I checked my online statement, there were two withdrawels on the same time block and date. I just spent one hour and 52 minutes trying to reach someone at their customer support number ( s ), to no avail. I realize it is only a small amount to most, but we are on fixed income and watch our expenses closely. In other words, they charged me twice for one report, then there " system '' makes in impossible to reach a person to correct the problem. The were no buttons on the " Frequently asked questions '' and no misc.boxes to explain the problem. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
State: GA
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:
I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.

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 2017-01-28
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
my identity was used improperly to create this fraudulent account ... XXXX and XXXX have removed from credit bureau, but XXXX still has on my report.. i wasnt this account off!!!!

Company response to consumer: Closed
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammed by a fraudulent seller on XXXX today XX/XX/2022 for XXXX. Scammer persuaded me to XXXX send {$500.00} through XXXX app, partnered with Chase. Both Chase and XXXX refuse to refund the money and do not protect their customers against scams!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: TX
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, the following accounts have 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 an account without my written instructions. 

XXXX XXXXXXXX XXXX XXXX XXXX ( {$980.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$690.00} ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( {$830.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$3000.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$2600.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( {$1300.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( {$210.00} ) XX/XX/XXXXXXXX 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 non-monetary relief