BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was paying my car loan monthly when I went out of the country for a few months. I continued paying while I was out of the country and the car was parked while I was away. One day I got an alert from XXXX XXXX telling me that a repossession had been added to my credit report. I contacted my loan provider asking why my car would be repossessed when I am paying and the rep said my car was towed for parking tickets and they repossessed the car from the tow yard. I explained that I was out of the country and wasn't even aware that my car had been towed. They told me I would have to pay this huge dollar amount to get the car back which included two fees that they said they paid to get the car. I told them I could be back in the US in about a week and by the time I had gotten back they had sold the car. So now I have no car and a repossession on my credit report. I want this negative reporting removed because I was never even allowed to rectify the situation and I paid my own note 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 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, so I recently decided to check my credit report and it says that I have a current balance of {$920.00} as of XX/XX/2018 ; however, I always paid off my student credit card right away and I even called XXXX XXXX and they said that the balance was paid off on XX/XX/2018 so I don't understand why the balance keeps getting moved over every month. I called XXXX XXXX, who is the issuer of the credit card and they told me that on their end my balance is paid off, and it is showing that I paid it off on XX/XX/2018. This is bad for my credit because it is showing that I have a balance due that I paid off right away and it is saying that I am using 61 % utilization of my limit. However, I feel like this issue that shouldn't have happened greatly impacted my credit score and it just needs to be updated.

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 2022-06-14
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Department Of EducationXXXX Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Nebraska XXXX XXXX To : The Office of Registered Agent forNelnet XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority torepresentthat you andNelnet XXXX XXXX XXXX LLCareauthorized to administrate ( acting trustee ) on theXXXX XXXX XXXX XXXX together with a certified copies of signatures contract betweenyou andXXXX XXXX XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passingXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon theXXXX XXXX XXXX, Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806.Harassment and abuse 807.False or misleading representations 808.Unfair practices 809.Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX  You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages.Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage, held with XXXX XXXX Mortgage, was transferred to LoanCare, a mortgage service company, a few months ago. When transferred I was assured that nothing would change, and my payments would remain the same, unless of course, there was an increase in other areas such as property taxes or escrow. 

There was never a fee charged by XXXX XXXX unless there was a late payment, after the 15th of the month, which would be considered late, and which I understood. I had been making my payments on time, via bank transfer, to XXXX XXXX and similarly each month to LoanCare, on or before the 16 of the month. This payment timing was good for me because, as a senior citizen, receiving my social security ( SS ), my deposits are deposited the second XXXX of each month, which always falls before the XXXX. Please see my bank statement attached. 

I made my set payments on time each month to LoanCare. Nothing was changed with my payment to LoanCare until this month when, to my surprise, I noticed an additional payment of {$10.00}, labeled as a one-time payment fee, a fee that was never charged before, not even by XXXX XXXX. I was not informed of this fee until I logged on today, XXXX XXXX, to make my monthly payment, after my SS was deposited, and I have never been late. I believe that my payment falls on or before the due date and I should not be charged a fee. Here is their draft fee schedule, which surely appears to be a late-fee schedule disguised as a draft-fee schedule : " One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} '' I have since sent a request to have this fee removed from my mortgage payment. I have no control over when my SS is deposited and this is the only money I use to pay my mortgage. A bank draft is also the only way I have paid my mortgage, and given the time of my SS deposit, this would be the only method I use to pay it, so tacking on a draft fee is unfair. 

As a senior citizen, I think this service is taking away from my earnings and I think it unfair to me, since I was never asked to pay a draft fee before, nor had been informed of one being added. {$120.00} a year for future monthly draft fees was nothing I had agreed to when the mortgage service was transferred. 

As a senior citizen I do hope that CFPB will assist me in having this monthly fee removed, and I can continue to pay my mortgage using the method and time I have been accustomed to. 

Thank you for your assistance.

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 2022-06-14
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I've been working with Carrington mortgage since XXXX. They pre-approved me and then I signed everything. Then they stopped comuncating with me and sent a letter stating they can't refinance me. I lost 3 months waiting on them to close then they told me I'm not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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 Act These Accounts ; XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

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 2022-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX XXXX, After receiving the response to my complaint via consumer finance this is a follow-up response due to the error not being corrected. The FCRA allows you to continue reporting the account for seven years from the first delinquency that led to the charge off, which for me is XX/XX/XXXX and as of XX/XX/XXXX the account should have been removed from my credit report to comply with FCRA an althrough this account has been reported on my credit for the past 7 years I have never receievd a validation notice which violaited FDCPA policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by IC System ( Debt Collector ) about a {$40.00} debt that was owed to a Cable provider ( XXXX ). They had the wrong address on file and had an incomplete last name and wrongly spelled first name on file. They said I owed a debt from XX/XX/XXXX but said the actual amount was for equipment in XX/XX/XXXX. I did not use any cable equipment in XX/XX/XXXX. I contacted my cable company ( XXXX ) and they said they do not see any outstanding charges under my name. I believe this may be someone else 's debt because the address was wrong and the spelling was off. I am worried about my credit score and will be taking appropriate steps to contest this charge. I do not understand why I am being notified about a debt date marked as XX/XX/XXXX but it references XX/XX/XXXX equipment. Account number referenced was 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-09-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and my XXXX XXXX XXXX   MasterCard credit card was used to make a purchase for {$610.00} on XX/XX/XXXX.  XXXX XXXX notified me, via U.S. mail, on XX/XX/XXXX that a restriction was placed on my card to until they could confirm that there is no fraud occurring. I was directed to call Synchrony 's XXXX number to discuss this with them. I called Synchrony and was told that a purchase was made on my card for {$610.00}, and I was asked if I made that purchase. I DID NOT make that purchase. XXXX XXXX said its fraud department would instigate and investigation. I have had numerous discussions with Synchrony 's fraud department. The bank had me call the " alleged '' vendor, XXXX XXXX XXXX XXXX XXXX at XXXX. I called this number, and it is disconnected. I called back to the Synchrony 's fraud department and told them the number is disconnected. Synchrony then asked that I contact PayPal. I called PayPal, and PayPal verified that I did not make the {$610.00} purchase. I called XXXX XXXX and told them what I found out. One of Synchrony 's investigators even admitted to me that they did not do a good investigation. He said they would investigate further. I spoke with my attorney in the meantime, and he told me that XXXX XXXX must produce " hard copy '' proof that the items purchased from XXXX XXXX XXXX XXXX XXXX were sent to my home. Each time XXXX XXXX denies my claim and says that I owe the {$610.00}, they do not have this proof. All XXXX XXXX has is that the vendor told them the items were shipped to my home. The vendor can not be contacted, and they have not gotten the information from the post office or from USPS to show the items were actually shipped to me. My attorney and I agree, until they can give me " hard copy '' proof, it is my word ( a valued customer ) versus a vendor that can not be contacted that the items were not shipped to me. This has been going back-and-forth between XXXX XXXX and me since XX/XX/XXXX. Each time I speak with Synchrony, nothing has been done. Yet they continue to ask for this payment from me. I am tired of the harassment and the time invested to clear my good name. I have excellent credit, and have always paid my bills. I even went to my local police department and filed an identity theft claim. Now, would an honest person do this? Please help 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 non-monetary relief
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Purchased airline tickets on XX/XX/XXXX using points and {$230.00} ( on Citi Thank You Rewards CC ). Had to cancel due to Covid and XXXX XXXX XXXX shut down. I submitted a cancellation request XX/XX/XXXX and received a confirmation of the request from Support Travel Rewards on same date which included to re-book by calling the XXXX XXXX. They mentioned that a credit was issued by the airline ( XXXX ) but no credit showed up on my rewards account. I called and spoke to a travel rewards person ( XXXX ) on XX/XX/XXXX and she indicated she " updated '' out airline tickets. I started calling multiple 800 numbers associated with Citi travel rewards cards on XX/XX/XXXX and ending on XX/XX/XXXX. Over that time period i was on hold for over five hours. On XX/XX/XXXX i did get a representative on the call and she said she would stay on the line until someone came on who could help, after waiting half hour they hung up on me. On XX/XX/XXXX i did get a real person who forwarded me a to an automated system ( without asking if this was ok ) and the system asked what my travel dates were and i told it XXXX XXXX- XXXX XXXX and the system said no travel exists for those dates and hung up. The Case Number given to me from Citi is XXXX. All i want is for Citi to post the credit on my account so i can re-book since they do not answer phone calls and if they do the person aswering can not help.

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 2019-03-30
Company: CITIBANK, N.A.
State: NY
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 just opened a an installment account with XXXX XXXX I made my first 2 pmts which were stopped by citibank because of an old fraud hold which was not removed after the first stopped payment.The XXXX XXXX account was cancelled because of the SECOND STOP.As a result of citibanks direct negligence my credit was adversly affected The account was reported closed and an inquiry was recorded. 
XXXX requested i contact citibank and clarify the situation but to no avail citibank would not correct the matter

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 2022-06-14
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 at XXXX I went into the branch of Wells Fargo ( # XXXX XXXX ) to make a single deposit. The check was in the amount of {$15000.00}. I filled out the deposit slip with minus {$500.00} cash back. The Teller called for manager approval and the manager came over, reviewed the documents and approved the transaction. The Teller gave me my Transaction Receipt and no cash. I told the Teller that I wanted {$500.00} cash back. She said to re-enter my debit card into the charge master and re-enter the amount I wanted cashback, which was {$500.00}. My statement now reflects a deposit of {$14000.00} and a cash withdrawal of {$500.00}, which is incorrect as I only received {$500.00}. I called Wells Fargo Claims department on XX/XX/2022 to dispute this and have followed back up with a call on XX/XX/2022. The claim number is XXXX, which is still unresolved. My account needs to be credited back {$500.00}. I have lost trust in Wells Fargo to handle my money correctly and have no confidence that they have my best interest in mind.

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 2021-03-09
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my XXXX  report when applying for car insurance it has a history of an at fault accident when I was not the at fault party. I was the victim of a rear end hit and run. I called the police to the scene where they documented the issue. I noted the license plate number of the at fault party and provided the information to the police and my insurance company. This individual never responded to their inquiries. The accident being listed as my fault rather than a non-fault accident impacts the rates that I qualify for on vehicle insurance. It needs to be corrected and I have thus far had no luck in doing so.

Company response to consumer: Closed with explanation