BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers Enhanced Recovery Company is not licensed in VA to XXXXecovery debts as a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the consumer reporting agencies a letter asking them to investigate late payments on my XXXX XXXX account due to the incorrect, incomplete and inaccurate reporting. The agencies removed the inaccurate reporting and place a new late payment on my account. At the same time the new late payment was placed on the account the decrease also decreased. Its blatant that the account can not decrease in payment and also be late at the same time. Attached is the proof of this false information. There is also lots of increase to my balance throughout the months and I sent a letter of investigation regarding is this acceptable per the federal government, FCRA, TILA, FDCPA because this entire account has been full of inaccuracies and violations. Please remove this late payment as it is detrimental to my health and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 credit score keep falling down by a over XXXX points two times in a month! This is while I have on-time payments and {$0.00} balance every month.

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 2023-03-22
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had to credit cards opened up in my name. Target and XXXX XXXX XXXX. Both have been cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a member of XXXXXXXX XXXX XXXX XXXXXXXX XXXX. A few weeks ago I noticed an inquiry on my account that I did not authorize. I contacted XXXX and they removed it. Two days ago I got an alert that my credit score had dropped XXXX points and there were several more inquiries on my account that I did not authorize. I froze my account with XXXX, Transunion and XXXX. I called each company and disputed these inquiries. These inquiries are : Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date 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 explanation
Consumer complaint received 2023-03-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Ally Bank on XXXX XXXX, XXXX  and I deposited my stipend from XXXX  XXXX XXXX and I believe because of my age they then put the funds on hold and have yet to release them or close the account and send a check in the mail. I am trying to get the funds from this because I am pending graduation and I could use those funds for books and materials. I understand that I am XXXX and most are not enrolling in school at that age, but there is no rule that says that you can not enroll in school at that age.

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 2023-02-27
Company: CDS Debt Relief, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We hired CDS Debt Relief in XX/XX/XXXX and over the course of over 2 years have paid them over {$11000.00} to settle our debts. CDS never settled any of them, and also never even contacted any of my creditors. I ended up resolving all of the debt myself and have asked for CDS to refund our money. This was asked in XX/XX/XXXX and to date, CDS has not refunded our money nor made any attempt to resolve this issue.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-22
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Several Payments are being reported as late on my credit report. I had a payment plan set up and was making consistant payment every month on this account. This time frame for the reporting should be coveredd under the Cares Act and the payments should not be reporting late, I have tried to disput with the CRA as well as the company I recently opened another disput today to have these errors corrected.

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 2023-10-07
Company: DISCOVER BANK
State: VT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I recently took a big hit to my credit score for an unknown balance that I had with Discover after canceling my card with them. I'm hoping that I can have the damage reversed. 

What happened is I canceled my card in XX/XX/2023 after deciding it wasn't useful anymore. I paid off any remaining balance and cancelled over the phone. 

Just now, I saw that my credit score has gone down by XXXX points owing to delinquency on a Discover account. I logged in to find that they claim I owe {$8.00} based on some adjustments that happened following account closure. 

I immediately paid the {$8.00} and called them to ask that the delinquency is removed from their reporting as it had a big impact on my credit score. They said that I would have to contact your office to make the request. 

Again, I immediately reconciled the amount once I saw it reflected on my score. I had no notification from them about there being an outstanding balance, and had tried in good faith to pay the card off in full at time of closure ( it was only ~ {$4.00} and change to close it at that time ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
However, my account was close due to valid fraud claims that I have been through since opening my account. My vehicle was stolen multiple of times and all of my personal Information was taken. I been having trouble keeping my bank account secure. Furthermore, USAA closed my account due to suspicious activity & I havent didnt do anything wrong but besides to keep my sccount secure. Now my bank is restricted, I have a family and a life. I now cant access any of my funds. They want me to wait 60 days on my money to get. This is ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently signed up for a Chase account and on XX/XX/XXXX I deposited a check. I waited the nine business days. The funds were available in my balance. However, a restriction was placed on my account. As instructed, I brought the required documents into the branch to lift the restriction. Without any notification, my funds were taken from my account and placed in a Debit DDA - Check Charge Account where I did not have access. I contacted the executive branch they resolved my issue but I waited around forty days from the time my check was deposited to my funds becoming available. On XX/XX/XXXX I deposited a new check from the same check writer from the same account as the first one. A nine day hold was placed, again. On XX/XX/XXXX the check cleared in my available balance. Then the restriction was placed, once again, and now the funds were taken to Debit DDA - Check Charge without warning. It was stated that in order to remove the restriction Chase needed to contact the check writer. However, apparently the registered phone number to the check writer is not in their database. They were able to tell me the last four of the phone number they were using to contact the writer. After doing some research, Chase wasn't contacting the correct company ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, Ca, ( the check writer ) they were contacting XXXX XXXX XXXX XXXX in XXXX, Ca. Now I don't have access to my funds and I risk getting my bank account shut down among other issues. Chase has informed me that they will hold my funds indefinitely until the check writer is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
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: Problem with personal statement of dispute

Complaint:
On XXXX XX/XX/2023 Carrington Mortgage received {$1100.00} from my bank and deposited the money in their account but they put the amount on hold. The hold was because a discrepancy in the escrow account due to the H06 insurance increased. The correct amount was {$1200.00} therefore, there was a discrepancy of {$110.00}. I never received any e-mail or mail regarding the discrepancy to get my attention. They said they tried to call me, but because the many unsolicited calls I get from Carrington my phone system might have blocked the call.

I would like to point out that Carrington DO NOT send statements via e-mail or mail. They only send an e-mail with a link saying that documents are available online and do not show any amounts which would have gotten my attention. 

On XXXX I went into the website and I realized that the amount had change. I immediately contacted Carrignton and the agent told me to pay {$230.00} ( two months ) to bring the account current. He said to go to the site and pay it, which I did. However, instead of taking only the {$230.00} for the escrow difference the site took {$2700.00}. Which is 2x the {$1200.00} + {$230.00}. I realized this when I got the confirmation e-mail.

Since then I have been calling Carrington to get my money back to no avail. Please remember that they already had the {$1100.00} from XXXX payment. So in total Carrignton Mortgage took from me {$3800.00}. They apply these funds without consulting me and posted on the web portal that my account was paid until XXXX. 

However, the real injury is not that I'm out thousands of dollars but that Carrington also reported my account as delinquent. I had excellent credit before this fiasco but the late payment report took XXXX XXXX  from my score. This will greatly affect many areas of my financial life and the ability to get a fair deal on loans for the next 3 years.

This is totally unfair because there was not LATE PAYMENT. I have called several times and I have spoken to a supervisor and they keep saying that the late payment is correct and there's nothing they can do. The system is designed on their favor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BARCLAYS BANK DELAWARE
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by Barclays in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from Barclays This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented Barclays have extended this to others despite their form letter.

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 2023-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home as a rental property in XX/XX/XXXX. I set up automatic payments ( ACH ) with the lender upon purchase. 
The loan was transferred in XX/XX/XXXX to Select Portfolio Servicing ( SPS ) Company. During the transfer, the ACH payment was not collected. 
SPS did not notify me of this oversight until XX/XX/XXXX. I set up a payment plan in XX/XX/XXXX to correct the missed payment due to SPS 's error upon loan transfer. 
I have paid off the missing payment, yet SPS raised my interest rate to 20 % on XX/XX/XXXX because they state the payment is missing. 
They will not accept that I have corrected their error. 
The Ombudsman will not accept that I have corrected their error. 
I refuse to accept the 20 % interest rate and I have not paid that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: NJ
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 and XXXX  account numbers : account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 B. A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-03-22
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ford motor credit had a valid claim to a debt that I owed. However, they decided to initiate action during a federally declared state of emergency and disaster. Businesses were closed, communication and travel were extremely restricted. And, I, being self-employed, had no relief or any type of compensation. Whereas the rest of XXXX seem to be getting triple unemployment benefits, I had to suffer. 
I communicated with Ford credit about the debt and my intentions to pay and stay in good standings. I contacted them in XXXX at least once and XXXX on two occasions also called them in XXXX I believe it was on the XXXX to explain that I would have payment by XX/XX/XXXX. They explained that they were happy that I was able to make that payment and just to give them a call when I made it so that they could be on the lookout. They then arrived at my home and in the wee hours of the morning. Embarrassed me in front of my neighbors and calls me great stress in the fact that I had to stand in the cold and clean out the truck on the spot. 
I would have had it cleaned out had they told me that they were coming to get it. At this point they knew that trucks were bringing a premium price and that they could get as much as they wanted to for it and I believe this is the reason that they repossessed. However this is not truly the issue, though it does pertain to the issue as a whole.

Ford motor credit declared my account as a charge off and therefore FMC was able to negotiate this item on the p & l tax documents. They were compensated. The dead then became what could be declared as income to me however Ford decided to send it to a lawyer 's office and he has steadily increased the debt months by month over 3 years of holding the debt. From everything I've read and everything I understand this is not fair nor is this legal. 
If I'm wrong, please show me how I am wrong. 
I have screenshots of the emails The lawyer has sent to me and even offered to settle the account for {$1000.00} as he refused. 
I believe that this taking place during a federally declared state of emergency and disaster and the fact that Ford sold the truck for a premium at auction should negate any debt that I owe or have owed.

Please help resolve this situation and help me remove this from my consumer report as I believe this is not covered as a debt or a collection under the 15 USC FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my PNC BANK highest interest savings account in early XX/XX/. There is no term limit with the account. The bank refused to give me my {$350000.00} back unless I agreed not to accept the more than {$2600.00} of interest I had earned. The bank committed bank fraud against me through deceit and held my money hostage. I told them to send me the {$350000.00} and we can discuss the {$2600.00} later. On my bank statement, there is none descriptive language showing the bank kept my money, any only by careful examination of my bank statement did I discover they kept my money. I have called the bank dozens of times. The bank told me to go to a branch to show my ID to get my money, which I did two weeks ago, and the bank still hasn't sent me my interest. The bank stated the money was eschewed to California ( a lie and no proof provided ), as recently as last week said they bank has " lost the funds '' in a voice message I have, and overall, the bank has kept my interest and refuses to give it. THE BANK IS IN CLEAR VIOLATION OF THE LAW. If they are doing this to me, they are doing it to lots of people. The bank branch on my visit said this is common where the bank refuses to pay earned interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: Resurgent Capital Services L.P.
State: LA
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:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
LVNV FUNDING LLC is reporting I owe a debt of {$11000.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.

Company response to consumer: Closed with explanation