BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-24
Company: ALLY FINANCIAL INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I bought a used car on XX/XX/XXXX and financed it with Ally. I am XXXX and thus a XXXX, so I should have been included in the settlement against Ally for overcharging XXXX. I learned after the deadline had passed to submit a claim that there had been a settlement regarding the fact that Ally had overcharged XXXX who had financed cars with Ally between XX/XX/XXXX and XX/XX/XXXX. Since I am a XXXX, I should have been included in this settlement, however, Ally never contacted me or sent me any letters regarding this matter. I have called Ally several times and finally they referred me to their Settlement Administrator who was unable to help me, stating that the deadline had passed, that is why I am filing this claim with you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I approved a XXXX Dealership approval for XXXX on my new auto loan. The dealership sent my approval to 4 to 5 other financial institutes without my authorization. My XXXX was calling constantly and my credit report dropped by XXXX points within 2 days. 

I only authorized XXXX. I am asking the other agencies to have the hard inquires removed from all XXXX credit reports, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: FIRST MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First Mortgage Company sold our existing loan to XXXX, however, when they sent a check to represent our escrow account balance to XXXX they only sent a check for {$3600.00}, yet our escrow account had {$3900.00}, that 's a {$310.00} difference. I have tried contacting the company but I can not get a hold of anyone and I have grown increasingly concerned.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 to the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.

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 2016-05-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Rewards

Complaint:
I can no longer access my XXXX account. I had nearly XXXX points prior to making the conversion to the XXXX card and was actively participating in auctions on the website. Was told by a rep via email that a product conversion cancelled my points. I was not aware of that upon making the conversion and would like the opportunity to use my points.

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 2016-12-28
Company: Genesis Credit Management, LLC
State: OR
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:
Property management company billed me for a cleaning fee after I moved out of the residence. I never was presented with any documentation indicating that I owed a cleaning fee. The debt has been sent to collections for a debt I do not owe. There is now a derogatory entry on my credit report which is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Utah System of Higher Education
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was supposed to begin paying my loan serviced by XXXX in XX/XX/XXXX as I graduated in XX/XX/XXXX. XXXX claimed that I was in school until XXXX. I advised that this was wrong and I asked to begin paying my student loan and asked how much the payments were. They refused to give me a payment amount blamed the wrong date on XXXX ( the school ). I know this is not correct as I have another servicer and they provided me with payment information. They offered my a forbearance, which they said I could only have one. I declined as I want to have it available for a future time in case I need it. I began paying the loan and have made two payments of {$500.00} each, only guessing as to the amount because XXXX refused to give me my repayment figure or any due date. 
Yesterday, I received a letter noting a forbearance of XX/XX/XXXX-XX/XX/XXXX, stating late notice of separation. I am confident that this was not a late notice by the school or by me ( if fact I did notify them-at least three times. ) Instead this is an error made by XXXX. XXXX still has not provided me with either a due date or a payment amount. I don not want the forbearance. I do not want to pay any extra fees based on their errors. If possible, I would like my loans transferred to a servicer with a better servicing record.

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 2015-09-19
Company: FIRST MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced and obtained a mortgage through First Mortgage Corportion with a first payment due XXXX/XXXX/15. On XXXX/XXXX/15 we recieved a letter from First Mortgage Corportion that our loan had been transfered to XXXX XXXX and that all payments starting XXXX/XXXX/15 should be made to the new servicer and the new loan number and payment address was included. All payments since then have been made to freedom mortgage and our loan as well as all escrow funds were transfered over sucessfully. We are now receiving collection notices from First Mortgage Corportion threatening forclosure. I did speak with a collection rep late XXXX when they called me at my place of employment and advised them of the letter I recieved and that on time payments have been made to freedom mortgage. The rep apologized for the mix up and said they would contact The new mortgage servicer to verify that payments had been made. I assumed that they had done that and closed out their records. Until XXXX/XXXX/15 when I recieved a letter dated XXXX/XXXX/15 threatening forclosure if payments for XXXX and XXXX are not made in addition to hefty fees that have been added. The payments for XXXX and XXXX have been made on time to XXXX XXXX. Just like First Mortgage Corportion requested in their letter dated XXXX/XXXX/15. What they are doing can not be legal

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: CO
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 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 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 2017-02-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX XXXX and in XXXX XXXX I spoke with XXXX XXXX about having my student loan t the rate reduction program and I sent all the information needed as asked for me and my co signer. At the end of all my monthly bills including what I was paying for my Navient loan a month I do n't have much remaining to be able to survive. I have also received horrible experience with almost everyone I spoke to and have reported to the BBB. Everyone I speak to gets very loud and nasty and is very rude, including today 's conversation. Back on XXXX/XXXX/XXXX I spoke to XXXX different individuals, XXXX ID # XXXX was the XXXX individual at XXXX told me that my payment was {$200.00}, and then was transferred to XXXX ID # XXXX also told me my payment was {$200.00} from now until XXXX XXXX and we set up monthly withdrawal payments monthly until then. Today at XXXX I called Navient and spoke to XXXX ID # XXXX and I was transferred to the wrong department from someone who had answered the phone. Every time I call I keep getting transferred to the wrong department as per XXXX ID # XXXX the XXXX individual I spoke to and was told that everyone who has helped me told me all the wrong information. My account has not been properly managed and every single time I speak to someone I receive a different answer and I do not think this is a way to do business. My account was switched from XXXX to Navient without any warning and I have had nothing but issues with Navient. I do not know how I will be able to afford the payment that they want me to pay, in which I do not have money left over at the end of the month and I gave spoken wot many different people with a break down. I have not been able to receive a job with what I recieved a XXXX degree in, and if I knew I was n't able to get a job with a XXXX in XXXX XXXX I would have never went on completing the degree as I was told by the school. I have applied to many jobs in the past and I am not currently working with something that has nothing to do with my degree because I can not get a job with my XXXX XXXX Degree, as I have to have a XXXX in order to do anything with my degree and I can not afford to have more student loans attached to me as I can not pay what I have now. I am very disappointed as Navient is suppose to be a professional company instead they are very unorganized and have individuals who speak to people and are very rude. Navient does not help in any other way, as I do understand I do owe the money in which I am trying to pay as well as am trying to be able to live and make a living. The company is only out to hurt people and not help anyone, they are greedy and have so many complaints about them and everything about thing is negative and horrible. They should really be looked into, I would n't be surprised if they are doing things that are illegal that should n't be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Trans-Fast Remittance LLC
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX 2016, I had transferred {$2200.00} to my bank account in XXXX using transfast money transfer facility ( XXXX ) value+ option, and the estimated date of delivery of funds as per the receipt was XXXX. On XXXX, when I checked the status of the transaction in TRANSFAST website, the transaction was marked as completed. Since the transaction was completed, I did not bother to check my bank account ( in XXXX ) then. On XXXX, when I checked my bank account ( in XXXX ) to make a transaction, that 's when I realized that the funds were not transferred by TRANSFAST, even though their website still continued to mark the transfer as completed. I immediately called up the customer care for transfast to file a complaint about this issue, and they informed me that, the account was credited on XXXX ( though their website said it was delivered on XXXX ), and if I did not receive the money, I will have to send an email to their customer care with a screenshot of the bank account ( in XXXX ). Finally I sent them a screenshot of the bank account ( in XXXX ), and the issue was forwarded to transfast 's XXXX partners for researching. After researching for 2 days, I got a reply from transfast that " the XXXX partners have investigated the issue and the recipient 's bank has rejected the transaction '' and the amount will be refunded back to my account in 5-7 business days. Each of their statement indicates there is fraud going on and complete lack of transparency. I tried reaching out to the customer service for answers to the following questions, but I am not getting appropriate answers in-spite of repeated emails - 1 ) What was the reason indicated for rejection by recipient bank, and the date of rejection? I have spoken to the recipient bank ( as it was my own account ) and they indicated that they would reject a transaction only when a parameter like the account no or XXXX XXXX ( similar to routing # in US ) was wrong. I believe transfast 's partners in XXXX have used incorrect information to make the transfer, because I have been transferring money to the same account for the last XXXX yrs, and there has been never an issue. 2 ) If the transaction was rejected, how was the transaction marked as completed on transfast website? If I had not come back and raised this issue, it would have been still marked as completed and this is fraud. 3 ) If the transaction was rejected, why was it not communicated to me and why the money was not credited back to my account immediately or within a reasonable amount of time ( 5-7 business days as indicated in agreement ), but instead transfast retained my funds until I filed a complaint? Also transfast is giving inconsistent/false statements - website says transaction delivered on XXXX, customer care says transaction was delivered on XXXX, and now XXXX partner ( for transfast ) says transaction was rejected by recipient bank. Which of them is true?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recieved a bill that stated i was past due and I owed {$550.00} and that I was past due. This is almost {$200.00} more than my monthly payment. When I call I have to wait on hold for at least 20 minutes. Then when I talked to the lady she said no, I owed {$340.00}. She could not explain why I owed that much. Then she told me that XX/XX/XXXX my payment is going up. I am on Income Based payment plan and am not up for my application until XX/XX/XXXX. The lady claimed that I must have been informed that my payment was going up. I said no I was not and that I have been paying the same amount for months. I then asked to speak to a supervisor. After waiting 30 minutes, one was still not available. She told me they would do " research '' then call me back. I said no that I did not want to default because apparently my payment is already late. She told me they would n't report it to the credit bureau until I was 90 days late. I would not accept this. I told her I would look at my payment history and call back. I called back 30 minutes after and got a new lady. She said no, my account is not late and in fact it is up today. However, she also told me that they are missing one payment of {$200.00}. This {$200.00} was taken out of my bank account nearly 3 weeks prior but they claim they never got it. She told me I had to take it up with my bank. Again, I demanded they give me some sort of resolution to the problem. She told me I had to print off my bank statement and mail it in for them to " research. '' Meanwhile, {$200.00} is missing!! 

Also, I have tried to set up my auto payment out of my account for more than the minimum that I have to pay. They have told me that is not possible, they ca n't draft more money out of my account than the minimum balance. I find this very hard to believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Greetings, My complaint is that " Wells Fargo Bank '' has been over drafting my personal checking account from time I opened it in XXXX in XX/XX/XXXX until XX/XX/XXXX, After 2 - 3 years I transferred my accounts to XXXX, Yet each Month they targeted me due to having a low account balance and found a way to " Over Draft '' me ... .Finally it got to be too much for me and they closed my account for none payment, Paying my over drafts each month I still managed to open a business checking account along with a secured business credit card with a {$500.00}. limit, Eventually from receiving too many over drafts It got to be too much and they closed my business checking account, After numerous complaints Wells Fargo gave me credit on my accounts XXXX out balance before closing them, Shortly after providing me with a {$67.00} balance on my secured business credit card, Within 6 weeks without using it they also closed that account leaving me with a fictitious balance saying I took out a XXXX for {$5.00}, My goal is to reach out to all Advocates, Publicity, Consumer Affairs, XXXX who are familiar with Wells Fargo 's cruel practices, O.C.C. and many more, But I will be filing Court proceedings this morning to the Executive & Corporate Bank Office of Wells Fargo in XXXX XXXX ( XXXX Hours away ) all being done EMMEDIATELY Thru the Grace of 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 monetary relief
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : 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
Consumer complaint received 2017-02-23
Company: Solidus Group LLC.
State: IN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I called and an employee said it was a payday loan from XX/XX/XXXX. Then said a complaint was filed in XX/XX/XXXX ( I was overseas ). Then said there was no such thing as statute of limitations and threatened to take me to court. She never verified anything and was rude. She ended up hanging up on me. Not once did she say this was an attempt to collect a debt or that they were a collection agency.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-26
Company: Franklin Collection Service, Inc.
State: MI
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:
I am signed up for XXXX credit monitoring, and received an alert that a new collection account has been added to my credit reports. I have attached a screenshot of this from my XXXX credit monitoring service. 

I never received any correspondence from Franklin Collection Service regarding this debt. If i would have received this information, I would have paid this debt immediately during the validation period so the account would not show on my credit report. 

I contacted Franklin Collection Service and asked to speak to a supervisor. The supervisor had an extremely standoffish and rude tone and told me to take it up with the post office because he said they did send me documentation. When I asked him to send me another copy of the documentation that they sent me, he said " too bad '' and to, again, take it up with my post office. 

Unfortunately I am rebuilding credit so I am aware of how these situations work. Franklin Collection Service never sent me the initial information and communication about them having this debt, and I never even knew about it until my credit monitoring service picked it up. 

I am requesting that this account be deleted from my credit reports due to Franklin Collection Service not following the proper procedure to communicate this debt to me. 

Please let me know if you need any additional information from me. I will be glad to assist in order to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Roycroft Management
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a threatening call from them indicating I owe them money and if I do n't pay they will have me go to jail. I have asked this company for UPSP stamped letter in the mail to support their claim that I owe them money three times. Twice on the phone and once on email yet I have not been able to get any documentation. I have provided them my correct home address. I would like to report wrong unlawful practices of this company and their collection issues.

Company response to consumer: Closed with explanation