BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ally Financial is overcharging for late fees for monthly automobile payment. Late fees are supposed to be 5 % of monthly payment and they are charging {$71.00} which is almost double. This is in addition to other things they are charging on my account and then can't explain or justify. 

I don't know what they did during the Covid when people requested deferments. This is flat out ripping /scamming customers off and taking advantage of them especially during the time there was a national crisis.

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 2017-02-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am filing this complaint because Midland Credit Management , Inc. has ignored my request for the validation of this debt by not providing me the documents use to verify the account that was disputed. 

Under the law, if a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 

According to Texas Finance Code, the following information was to be provided : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information The debtor stated that they were uncertain what I was specifically disputing and needed written explanation and documentation. I provided that information to them certified. 

The debt collector has five ( 5 ) days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. 

Also, I believe that Midland is in violation of the settled case XXXX XXXX ( XXXX ) with the FTC by contacting me by cell phone without my prior consent, in violation of the Telephone Consumer Protection Act ( TCPA ), using an automatic telephone dialing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX sold My loan to Bayview servicing company 3 months ago. I did call them and requested information regarding assuming the loan since it was under me and my Ex-husband name. They send me the documentation stating that if I decide to assume the loan the charges will be {$8000.00}. I did not fill out the application to send it in to this day. I have received XXXX statements from them that XXXX of them having {$8000.00} as passed due amount added to my mortgage. I have not even fill out the application yet and they are saying that I owe them for services that they did not even provide but I am late on the payment. This is a fraud/scam. The statements saying that I am late for in the this amount and not stating what it is for after being on the phone with them XXXX hours they said the charges will stay there as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Modification denial, principal reduction 4 what the home is worth, XXXX XXXX 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 2022-06-09
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
This company will charge high interest for a quick turnaround payday loan and then you have to make the full payment within a short period of time. However, when you make your payment, they will not credit your payment and not contact you when your payment goes through and then charge you high late fees and then when you talk to them, they claim they contacted you and collections will yell and scream at you and claim that you owe them money, even when you made your payment. Do not trust these guys!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2018-06-03
Company: National Business Factors
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I checked my credit score and there are listings with companies claiming that I owe money for debts I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I found a hard inquiry requested on XX/XX/2021 By CBNA. This hard inquiry wasn't requested by me. I contacted the company to cancel the request and it was confirmed as a fraud. 

I want to inform that hard inquiry shows as " CBNA ''. I contacted them and they didn't find any accounts in my name. The only company that was able to find the hard inquiry in my name it's " XXXX XXXX '. Which it is different than CBNA and that is the only hard inquiry that shows on my credit report. I attached a letter from XXXXXXXX XXXX. File number XXXX ( 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 2018-04-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
you said that you need moor information on cassXXXX I called the number you put down to call I did and the man said ok that will be fin then hung up the number was XXXX if there is any thing moor all I can say is that chase said to stop paying them then would not work with us and XXXX XXXX XXXX  WONTED MOOR MONEY THEN WE COULD PAY and they would not work with us you can send them all the complaint 's you wont and all they will do is lie about it just like they have ben doing all a long

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: LEXISNEXIS
State: MI
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:
I filed a dispute with Lexis Nexis, XXXX, XXXX and XXXX   involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections inaccuralety. They are required by law ( FCRA ) to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what they " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS and I attached proof of this. I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of Lexis Nexis, XXXX, XXXX and XXXX   refusal to investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 with the Fair Credit Reporting act XXXX XXXX Account # # # # # # XXXX, XXXX XXXXXXXX XXXX Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX  Account # # # # # # 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 2015-10-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX + Card from Citi XXXX was got debited by {$140.00} this was debited XXXX XXXX XXXX as an description. I have never requested for this product not received the product from this vendor. I have inform the Citi for the same. they have assured me that the necessary action will be taken by them. After two month in XXXX again the amount got debited to me which was reversed by Citi. although my account was closed by Citi in the XXXX 2015 only, still they are charging late payment and overdue interest to that account. I am getting harassment mails from citi for payment for a transaction which i have not done. Being a valued customer of citi i have requested them since last 4 month to look into that but all vain. also they are not providing me POD details that i have received that product from vendor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-09
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Morgage company Ocwen is preventing me from being eligible for A Harp.They 're reporting an error code characteristic to XXXX which is making the loan be ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
i was XXXX XX/XX/XXXX XXXX 10 months during this period someone used my atm card to withdraw funds from my account as well use my account fruadlanty. upon becoming aware of this activity i reported it to fraud department at navy federal XX/XX/XXXX. since this filing this dispute the security agents at navy federal ive spoken to have been rude, disrespectful, and have accused me of committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: GA
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:
I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from XXXX Credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XX/XX/XXXX after just learning I had been denied for a loan modification which i was seeking a forbearance sent in by a realty company, XXXX XXXX XXXX on XX/XX/XXXX. I received notification the house was up for sale. ( Note on XX/XX/XXXX received notice from XXXX XXXX that I could do a Short Sale. I said I didn't want it because i was hoping to keep my home and that was not wat i told that realty company to do and at the end of XXXX they told me to send in another borrowers package and so I received it in the mail. 
*I called on the XXXX of XXXX to ask wat can be done and was told to send in a borrowers packet by the XXXX of XXXX. 
*I called on the XXXX of XXXX and was told she would forward to the people to review it and I was amazed that they had had it for 5 days and had done nothing. 
*I called on the XXXX of XXXX and was told you are in your 37 days and this was not explained to me as I was just approved for a Short Sale and was told to send in paperwork. 

XXXX*I feel led on and with the previous company going behind my back I was not sure wat to do and have no where to go or any money saved, so I would be XXXX  I have multiple agencies here XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX filled out, who are approving my applications as we speak. I now qualify for these as my son is no longer living here, so his income doesn't count. 
**I 'm very confused as to how they can ask you to go through hoops and not respond and all of a sudden there is a 37 day requirement which in was approved for a short sale in the middle of but they still filed for short sale!!!. I called XXXX XXXX and never received multiple call backs or letters from XXXX XXXX. I have sent her multiple letters and borrowers package .... No response. I also have an investor XXXX XXXX interested in a short sale, which I was previously approved for! XXXX XXXX sent me a borrowers package in late XXXX or the agent did. 

**Its no wonder this agency has a bad rating and its horrible what they are putting their customers through. 
***Please stop the foreclosure and help me not XXXX be XXXX. I am XXXX due to a wreck in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

PLease help me... I DO HAVE THE ACTUAL RECORDINGS IF THOSE ARE NEEDED BUT COULDNT FIGURE OUT HOW TO SEND THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

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 2020-05-22
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Per the direction of a phone message left by a customer advocacy manager at Wayfair on XX/XX/2020, I am supposed to initiate a dispute directly with Comenity Bank, who in turn, will notify Wayfair. At which point, Wayfair will authorize the change to take place. Please be advised of a dispute as to how the below transactions posted to my account. 

1. ) XXXX {$380.00} should have posted on the 6 month no interest plan. 
2. ) XXXX {$1300.00} should have posited on the 24 month no interest plan ( I did not select the low APR plan ). 
3. ) XXXX {$3.00} finance charge removed, if transactions processed properly, never would have been billed this amount. 

At checkout, I selected the 6 months/24 months plan. Obviously, I understand if not paid in full during this time frame that interest will accrue back to the original payment date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have un authorized inquiries and 1 account i was never late on and 1 account that is not mine I talked to the company XXXX XXXX and they agreed see letter attached that explains what I am disputing

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 2022-07-26
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX t, XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am having trouble getting the credit bureau 's to remove the fraud alert from my credit report. I am recently new home owner and need this information to be removed ASAP. This fraud alert is preventing me from doing things I need to do for myself and my family. It is embarrassing and each time I try to use my own credit I'm getting denied but still getting points deducted from my credit score. I thought this would protect my credit but is hurting it instead.

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 2022-07-26
Company: EQUIFAX, INC.
State: AR
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 recently realized several accounts I've never applied for nor received any credit, money, etc that has been appearing on my credit reports. During this time I've reached out to the bureaus, my local law enforcement, and original creditors in trying to resolve this issue. I recevied a letter from a fraudulent account listed under XXXX XXXX XXXX XXXX XXXX XXXXat was previously deleted now reinserted. I've sent Equifax supporting documentation from greensky in regards of them closing this account due to fraud but for some reason this account continues to report on my credit file. Under the fair credit reporting act as a fraud victim this violates several statues and this account should not be reporting on my credit file at all. Equifax has received supporting documentation such as identity theft affidavits, a police report, and disputes.

Company response to consumer: Closed with explanation