BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-17
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A collector called extended family some that we have n't been in contact with in over 20 yrs. calling up to XXXX a day. The collector then said they needed to pay what we owe. This was after threating my husband with an artical XXXX. We also received a notice of collection due by XXXX yet we did n't arrive until the XXXX. The also set up a payment from our account even after we said they could n't pay then and did not authorize the attempted withdraw

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can 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 2015-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In my credit report, under the section '' Employment Data Reported '' indicated i had worked for XXXX '' and " XXXX '', but i never worked for these XXXX companies, and i am afraid someone else use my identities to work for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Re : XXXX XXXX XXXX ( {$200.00} ) & XXXX XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against TransUnion about my Credit Report. I have no affiliation with XXXX XXXX XXXX and XXXX XXXX. On or about XXXX XXXX, 2016, Your company states I owe : {$200.00} AND on XX/XX/2016 I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visirted this place or do n't even know here this place is located. 
I would urge you to have all of themse items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.

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 2021-03-15
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All 3 of my federal stimulus payments went via direct deposit into an account at td bank. This account is not mind and TD bank is doing nothing to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited a check for XXXX in my checking account at Suntrust Bank in 2018. A few days later money started to disappear from my account. The bank issued me a new card a few times [ at one time money was taken and I had not even activated the new card } Close to {$10000.00} was taken by fraud from my account. They were XXXX purchases which I told the bank I never used and no one had access to my card, I told the bank that the check was a settlement from my husbands death. : I was never notified when these purchases were made. The dates areXX/XX/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,XX/XX/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,XX/XX/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,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX/ On many dates there were multiple purchases. Every claim I filed was denied. Many times I had to call to reclaim as Sun Trust never sent the paperwork for me to sign for a claim. The amounts are as low as {$2.00} and as high as {$800.00}. The purchases were made from the XXXX coast and I am on the XXXX coast.

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 2017-03-21
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My original loan was around XXXX I made XXXX repayments in the amount {$5000.00} and XXXX prepayments of {$2500.00} totaling {$20000.00}. I did not make any monthly payment during the prepaid period. I made these payments XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Prior to making these payments, I was paying my monthly payment of {$230.00}. Now, ACS Education who is my loan service say my payoff amount is XXXX because of the interest that accrued during prepayment months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card
Issue: Late fee

Complaint:
I made my payment on Paypal 's website on the XX/XX/XXXX, which is the due date and due to the way their system works they did not process the payment until the XX/XX/XXXX. They claimed I was late by a mere 15 minutes. I have called to ask them to waive the late fee as I am making only XXXX to XXXX a week right now and they are unwilling to assist even though I actually submitted the payment on time on my side. All I have asked for is a fee waived due to my financial status and they refuse to do so, making my payment more than I can afford and setting me up for failure and a revolving door of fees and bad credit remarks from which I can not currently escape from. This is predatory at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a call from the " prosecutors office '' to call an " attorney to avoid prosecution '' for an supposed debt from XXXX US BANK. I recorded the collectors and and the " attorney that files suites '' and after they announced they were recording I announced that my end was recorded as well and they instantly dropped the " attorney '' persona and ended the call. US Bank is performing and funding predatory debt collections and releasing personal identifying information to family and friends, who they called after contacting me, about a debt 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 2016-06-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I recently opened a savings account with Navy Federal Credit Union and was NOT told that they would perform a hard credit check as part of the process. I later found that the credit check release was in the account paperwork and they did not inform me that they would be doing a credit check. I found this highly deceptive and has impacted my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: AMERICAN EXPRESS COMPANY
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:
I received two phone calls from American Express XXXX on my cell phone from Arizona and another one at my home phone number. I never applied for a credit card and am concerned that someone is using my identity to open another credit card in my name. I would like for them to stop contacting me and resolve this issue. I have reached out to American Express and will await their response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: Malen & Associates, p.c.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Malen and Associates PC filed this judgment on behalf of XXXX XXXX. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ XXXX XXXX. XXXX ] ( XXXX XXXX Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) XXXX Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. XXXX XXXX XXXX. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired Malen and Associates, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my XXXX when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For XXXX XXXX has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure XXXX the Credit Bureaus and Malen and Associates are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy XXXX We ask that the CPFB remind XXXX XXXX and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Under financial hardship and XXXX with both left and right XXXX as well as receiving social security benefits, I needed to find means to pay off household bills, rent, car insurance, life insurance, outstanding medical bills, etc. and when I saw the television commercial from LoanMe.com for an installment loan, I applied over the telephone. And was given a {$2500.00}, it was not stated up front the amount of interest to be paid on the loan at 138.63 % ( Overall finance charge of {$11000.00} ). The shock for me when I received the LoanMe, Inc. Promissory Note and Disclosure Statement was the full amount without added Late fee to pay off note was ( {$13000.00} ). The offer for taking the loan was an encouragement for accepting it because without immediate family support, even extended support from siblings to be self independent financially this was I thought a sound option. But when at my age I 'm unable to find suitable employment outside of my failing health it has been merely trying to survive to pay my rent, buy food, and other life means to not become homeless. I do n't understand why a financial lending institution would charge such high interest and payments to a retiree receiving social security benefits. Afterwards when income becomes even more deflated calls almost daily from various telephone across the country as my caller ID shows even to the trickery of making " Unknown '' or " Private '' numbers. I find that the settlement repayment down over the phone is without an end date and even more so the payment is painfully high. I need some relief, but I do not know who or where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For XX/XX/2019, I eliminated the direct payment and began to make the payments at the institution. They the Firstbank of Puerto Rico made the mistake of not recording the payments made using this method and this mistake is affecting my credit score. I have never failed to make a mortgage payment. The time it took them to fix the problem, they send to the credit companies as a delay of 30 days, when it did not happen this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days ' time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: BRAZOS HIGHER EDUCATION AUTHORITY, INC.
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company XXXX XXXX XXXX has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Please see the attached documents regarding this issue with bank of america

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 2021-03-18
Company: AMERISAVE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The problem is that the mortgage officer keeps asking for more information. They were not up front about what information they needed. Finally, they asked for a quit claim deed. My attorney stated that he thought that they did not know what they were doing. Time after time after time they kept asking for more documents. I refused to submit a quit claim deed. I want a approval and a closing date or return of the appraisal fee they robbed me of. I want to know who else has had problems with this company. 

And rates have gone up since I applied for this loan and locked in at the rate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: ALASKA USA FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern ; On XX/XX/XXXX, I've asked Alaska USA Federal Credit Union to stop a direct deposit that was going into my account on XXXX XXXX. They said they couldn't stop it. That I would have to close the account and reopen another one. So I did what they told me. I also told the bank that this deposit CAN'T go in my account. They said that it wont go in because your account is closed. That it will go back to the sender. The credit union told us the our account is secured. So that weekend my wife and I had to change ALL of our accounts that had direct deposit. On Tuesday the XXXX, we noticed that our bank transferred that deposit that we worked so hard to stop. I asked our bank how did this happened? They replied that they did it as a courtesy. I didn't ask for that. I was so upset. I also found out that the bank gave this institute my new account number which I told them NOT too. Now my wife and I have to babysit our account because of what Alaska USA Federal Credit Union did. I was stopping an institute called XXXX XXXX from depositing any monies into my account. XXXX XXXX wont comment on how this mistake happened. I thought it was prohibited to give out personal information on bank accounts. Especially an institute that I told them about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Collection Bureau of Walla Walla
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my wadges garnished in the amount of over {$4000.00} for a fine from district court that was {$1300.00}. The last payment/garnishment was 3 months months ago. In fact they garnished extra and refunded me over {$800.00}. I thought great that 's over. Well this week I get a bill for a remaining {$24.00} that has collected Intrest over the past 3 months making what they are charging me {$250.00}. I called and asked for an explanation and well no answer just run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In the process of filing a fraud report plan with the FTC I requested a free credit report from XXXX. After filling in the required information, I requested the report. A message was displayed that I had requested this free report on XXXX XXXX, 2016. I did not request this report on that date or on any date in the past. My complaint is that I did not request this information and my credit report was given to someone requesting it using my Social Security number.

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