BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-03
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have been purchasing XXXX XXXX  from XXXX XXXX XXXX since XXXX when they helped me in a precarious situation where my husband at the time left me with two  car notes and XXXX young children, one still in diapers. The management there helped me move out of those two vehicles outstanding balances into a new vehicle note. They gave me a path forward advising that as long as I maintained on-time payments, I would earn XXXX most favorable credit offerings for buying their vehicles. 

Over the years I earned that and obtained 0 % financing for my XXXX purchases with their endorsed lender Ally Bank in XXXX and XXXX. When I went to the dealership in XX/XX/XXXX to trade in my vehicle for a new one, they pulled my credit score of XXXX and found a perfect on-time payment history of my Ally Bank car note. When given the keys to drive off in my new car, I was told they would take care of financing paperwork for me to complete later. Ally Bank used the excuse of some company named XXXX XXXX XXXX and their assigned low credit score for me as a reason to not offer me a car loan at the going favorable rates. XXXX assigned me to XXXX XXXX  with a finance charge rate of 6.39 % - well above the going rate for those with my credit score as reported by the three major credit bureaus. That switch sent me from a 0 % finance car loan to one where my principal payment is almost equal to my loan interest payment. I was already in my new vehicle and not sure how to fight this awful switch. I had never heard of XXXX XXXX XXXX before and found the attached similar stories from others who experienced a similar switch to a high finance car loan despite having good credit. 

This scam needs addressing because while these finance companies use illegal means to throw people like me into high finance loans, long term damage is done that has a wide impact. At the time this switch happened, adverse events impacting one of my children and work at my new employer needed my full attention. I am hoping that new leadership under the Consumer Financial Protection Bureau will help me now address this wrong. I hope they will be made an example of to discourage companies attempting to make illegal profits like this in the future. I hope that the high finance charges and restitution for the long-term impact can be made to me by those who should be held responsible. 

Please help, thank you

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 2017-05-25
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of closing on my home. I pulled my reports on  XXXX   XXXX ,    2017 and no tice this new collection from "  Jefferson Capital System '' add to  my reports. Which caused my scores to drop. I never received any notification from this company. They just added this collection to my report. There is a 30 day validation before adding a collection to a consumer report. I never received anything to my home address to ask for validation from the collection agency. This is a third party collection agency. I never signed a legal binding contract with them. I am very  XXXX  about them adding this negative account to my reports. I am a week away from closing on my home. I need this account immediately removed from all three major credit reports IMMEDIATELY. This negative account will cause delay in my home ownership.. #  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
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:
XXXX - XXXX - {XXXX} XXXX XXXX - XXXX - {XXXX} XXXX - XXXX - {XXXX} Department of Education - XXXX - {XXXX} XXXX - XXXX -- - {XXXX} XXXX XXXXXXXX XXXX - {XXXX} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and US Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: PA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, to whom this may concern my name is XXXX XXXX. I am unable to open a checking account due to fraud reported on XXXX about 5 years ago by Bank Of America. I have called them several time trying I get this resolved but it keep getting the runaround. My account was hacked into 5 years ago I caught it and immediately contacted the bank I did not make a police report because I didnt know who had done the customer service rep stated that it was transaction from a different location meaning another state. Any how from that I am unable to open a checking account to start my XXXX. Bank of America send me the checks that was deposited into my account but I no longer have that information. They close my personal account but not my XXXX account.

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 2020-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND HAS PUT A STOP TO ME PROGRESSING INTO THE FUTURE THAT I HAVE PLANNED FOR MYSELF. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company is reporting that i was 30 days late three times. This account is on autodraft and I have never been late paying the bill on time because it automatically comes out. I have submitted a dispute to the company and to the credit bureaus with proof of on-time payment and have not gotten a response or my account info updated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
After my wife and I had extreme financial problems Bank of America ( BofA ) put us through their modification process in lieu of foreclosure. The experience was absolutely horrible, we tried completing on our own but then had to retain a lawyer just to track the paperwork since BofA continuously lost all our paperwork. We were offered a short payoff amount which was then retracted. We signed a modification approximately eight months ago and began making the payments as agreed. BofA can not seem to adjust their system to match the modification agreement and continues to report inaccurate late mortgage payments. Payments can not be accepted online since their system is incorrect. I have sent approximately five letters concerning this issue. BofA continues to ruin my credit reporting inaccurate mortgage lates which has caused significant additional financial hardships.

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 2016-08-19
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Over the last two plus years I 've received phone calls from CMRE, a debt collection company claiming I owe a hospital bill, but they will not provide me with proof. They 've called from numerous phone numbers in an attempt to disguise their identity when they call. I had not heard from them in close to a year, but they have begun to call again. The last phone call received was XXXX/XXXX/16 from 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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Noticed a new/old collection acct on my TransUnion credit report. Contacted TransUnion this acct was previously on my credit report with XXXX XXXX for XXXX in which I filed a police report due to Identity Theft. The collection was removed sometime in XX/XX/XXXX. I received notification that the XXXX acct is now using XXXX XXXX as the debt collector and that the collection would not be reported to any of the credit bureaus and they provided me with a letter on XX/XX/XXXX and notified all reporting agencies for all credit bureaus to delete this acct from my credit report. XX/XX/XXXX I was notified that the collection for XXXX XXXX for XXXX is reporting on my TransUnion. I contacted and spoke with XXXX in the Special Handling Department of this error and uploaded the letter from XXXX XXXX as well as the police report and provided the AUD ticket # to delete immediately. XXXX informed me that the only communication they use to remove a derogatory mark is via dispute and it could take up to 30 days and in the meantime, I have to suffer with a 75 point drop to my credit risking being denied approval for housing and credit for my business since PG is required. This is not fair that this collection acct keeps making its way back onto my credit report affecting my credit profile. I have asked for this to be removed and deleted from my report immediately. TransUnion is behind in time not able to assist with urgent life affecting matters as this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX, I didn't give XXXX XXXX permission to obtain a copy of my consumer credit report.

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 explanation
Consumer complaint received 2019-11-28
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/ 2019 I placed an online order for a TV from Conn 's  website, www.conns.com, after paying 20 % upfront, as well as a required flat rate delivery fee of {$79.00}. XX/XX/XXXX, I received the tv via delivery. On XX/XX/XXXX, I contacted Conn 's via telephone call, and informed them of my intent to exchange the TV for a bigger size. According to written policy, any item purchased online and delivered, was eligible to also be picked up for free. However after a week of trying and failing to secure a pick up date, I finally took the television into a brick and mortar store location, and personally handed the TV to store Management. We discussed my situation and agreed to exchange the set for a bigger one. I paid in cash an additional fee, and was told the TV right be delivered to my house the very next day. Day 1, passed. Nothing. Day 2 to Day 3, day 4 fast forward ALMOST TWO MONTHS and still no TV. I have decided to accept the obvious, that I will not be able to complete this transaction successfully and so, do hereby cancel same. As such, I respectfully request the following actions : 1 ) a proper refund of my monies : down payment {$110.00} delivery fee {$79.00} and upcharge fee {$26.00} for a total of {$210.00} ; and 2 ) the voiding of any sales/order or installment contract associated with this transaction ; And 3 ) I respectfully request these actions be taken immediately and without further delay. 

Despite never receiving the merchandise, I am now being harassed by Conn 's collections, and having to correct the records on my credit report. 

I placed this order in good faith, the same good faith with which I have supplied Conn 's with almost {$220.00}. and in response to this good faith, Conn 's actions or lack of them has proven problematic at best, potentially litigious at worst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
on the day XXXX XXXX 2016 I got a call from a collection agency XXXX XXXX XXXX account number XXXX reporting that they had applied for a loan with my personal information in XXXX. and I have not traveled to this state. So my identity was stolen and being used in the United States where I do not live. I live in XXXX XXXX and all my credit transsaccion is in XXXX. requested to be informed other credit companies. by I NOT authorize any transsaccion without my consent. This is my cel. phone number XXXX for other question. Additional need to change the address of Florida. I have not provided any US address of any company of credit report. My only residence is in XXXX XXXX. This is the number of complaint reported to the police of XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called to inform collection agency that debt is no longer owed. I called where the debt originated and they said I do not owe anything. Therefore I called collection to them that. They refused to contact debtor to validate claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Account status incorrect

Complaint:
Inaccurate and incomplete information is being being reported across XXXX, XXXX, and EQUIFAX. Collection accounts showing recent past due status and recent late pay status to keep scores low. Closed charge off accounts with recent past due status and recent late pay status to keep scores low. This has been done for over 2 years. Re-aging of derogatory accounts to make them look more recent to lower scores. All violations of the FCRA. All 3 bureaus are reporting inaccurate information. The bureaus did not share the XXXX when accounts were deleted from a dispute. Inaccurate reporting is not adhering to Metro 2 guidelines/standards of deleting inaccurate accounts/information. Updating and correcting disputed information instead of deleting the account as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We started modification process with Bank of America for XXXX of our mortgages XXXX of XXXX. We simply asked them to review our status and perhaps just lower our monthly payment so we could afford to live in our home. At that time, we were advised the only way that bank considers modification application is if we stop making mortgage payments and fall behind of our payments. We had no to intention of Short sale or foreclosure. My husband 's income dropped from when we bought home to XXXX, we used all the savings to pay for mortgage payments. we had meeting with XXXX of XXXX XXXX and were advised to apply for modification because our house was under water. After many months of application submitting, B of A sold our first mortgage to another XXXX XXXX and we got our modification with in a month and finished one year of our modification and never missed a payment. 
As far our second mortgage, we got denied on XXXX/XXXX/XXXX and transferred from XXXX account manager to another until XXXX/XXXX/XXXX. In the meantime, our no payment status was getting deeper and deeper with Credit report agencies. We started our trial payment and made proper payments on time. We received a letter from B of A on XXXX/XXXX/XXXX that we completed our trial and are approved for modification but to know that not only we are NOT going to have lower payment but have another 13 months added to the life of our loan. So we talked to our XXXX and decided not to accept the offer and started making our normal payments little more to catch up with the delinquency. As we were catching up with our missing payments and our mortgage balance at the time was {$100000.00}, we got a letter XXXX/XXXX/XXXX that thru Department of Justice settlement, our full principle balance was due for a forgiveness in amount of {$100000.00}. After contacting B of A, we were advised that any payments made until this process goes thru will not be refunded to you. After many phone calls and misleading answers finally this process was completed on XXXX/XXXX/XXXX and the lien was released. In the mean time, they were report us to credit Bureau, late payment, missing payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Account information incorrect

Complaint:
XXXX Account XXXX XXXX Continuing to report inaccurate information on my consumer 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 2017-05-25
Company: FIRST HORIZON BANK
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have aske d First Ten nessee to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XXXX   XXXX ,  XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information. First Tennessee has reported the charge off on my credit report for the past 73 months. A charge off is a one time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XXXX   XXXX ,  XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment for two years because of the way First Tennessee has reported this account. I was turned down for a mortgage in  XXXX  of this year, not because of the charge off, ( after all it i s 6   years old  ) but because First Tennessee has reported it every month making it look like a new charge off. First Tennessee bank has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
On XXXX.2021, I didn't give XXXX XXXX XXXX permission to obtain my consumer credit report.

15 U.S.C 1681section 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 accoun
t without my written instructions

Company response to consumer: Closed with explanation