BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My husband and I were under a Chapter XXXX BK when we were dismissed from the bankruptcy. On XX/XX/XXXX I spoke with XXXX from Ally Financial BK Center and was informed we were {$4300.00} past due on the car loan. We set up a payment plan were we had to put 1/2 down then 6 months of payments where we would pay our normal payment of {$450.00} plus the remaining balance split into 6 months for a total of {$720.00} a month from XXXX XXXX. XXXX XXXX we would go back to our normal payment of XXXX and we would be current. OnXX/XX/XXXX we paid to Ally Financial {$2100.00} to start the installment. we would be due on the XXXX of each month after. OnXX/XX/XXXX we paid our first installment of {$720.00} XXXX fee with XXXX confirmation number XXXX. On XX/XX/XXXX we paid $ XXXX XXXX fee with XXXX confirmation number XXXX. OnXX/XX/XXXX I called Ally Financial @ XXXX XXXX  EST and spoke with XXXX and asked If I could push my payment back 1 week on the XXXX, she said that would be fine and she would make a note. OnXX/XX/XXXX I paid $ XXXX confirmation number XXXX spoke with XXXX. I asked XXXX if we were good and my monthly payments are still in tacked, she said yes. OnXX/XX/XXXX I received a call from XXXX from Ally Financial collection stating I was 100 days past due and my vehicle was out for repossession? I explained all the payments that were set up and with who, dates, confirmation numbers. XXXX came back to the phone and said her manager said because we were dismissed from the case our car was out for repossession. I repeated the the information I was given again to her. She put her manager XXXX on the phone and I explained the whole situation over again. XXXX told me I made in breach in contract due to making my XXXX payment on the XXXX. I explained to her that not one person told me that. Not XXXX on the XXXX when I spoke to her and not XXXX on the XXXX of XXXX when I made my payment. She proceeded to tell me that my car was out for repossession. I also had to make a dispute on our credit reports as Ally Financial did not report the down payment we made against the balance owed, and did not report the payments that we had been making.

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 2021-10-30
Company: Sequoia Financial Services
State: CA
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am struggling to pay my mortgage due to a decrease in income and a divorce which has increased my expenses and support requirements. The situation became unmanageable for me in late  XXXX . On  XXXX   XXXX ,   XXXX   I submitted a loan modification request package to  XXXX ,  XXXX   (   Atlantic Bay Mortgage ) by mail. I was supposed to receive word in 30 days on the matter. I waited u ntil  XXXX   XXXX ,   XXXX   to call them and was told I had n't supplied all the requested documentation and then was sent a back dated letter concerning that. I sent requested documentation in numerous times by fax or mail and was told things were missing that I had sent. I about gave up on the process after I received a notice once again on  XXXX / XXXX / XXXX  that the package contained expired information. They seem to be trying to prevent my application from being considered by having a 30 day window in which I receive notice to supply further information and when sent, they then say other documentation has expired. To prevent that, I submi tted via US Mail  with signature confirmation a complete new package with all current documentation requests on  XXXX   XXXX ,  XXXX . The package including the application  was 44 pa ges. I called on  XXXX   XXXX ,  XXXX  to inquire about the matter and was told they had received documentation, but it was expired even though it is the latest available such as bank statements. The agent hung up on me when I insisted all documentation requested including the current bank statements was in that package. I believe  XXXX -Atlantic Bay is deliberately mishandling my paperwork to prevent processing the home loan modification. I had a friend who experienced a similar scenario with their lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
State: OH
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:
These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of  a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.

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 2017-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
Upon trying to get a vehicle loan I found out that USAA was reporting a charge off on my credit. So I called they ran me around then said a unpaid fee was on the account and would be backdated to the payoff I made in XXXX of XXXX. I have spoken to them in social media they say they would correct and back date. They have n't I have contacted them directly they said they would back date they have not. Then I contacted they BBB and they contacted usaa said it would be back dated now they whipped the reporting of XXXX and XXXX but left a failure to pay mark for XXXX XXXX on my credit. I need resolve and this fixed right its is hurting my credit bad as history is 35 % of a credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: OH
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:
These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of XXXX if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions 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:
Experian has failed to respond to several inquiries about collection accounts and also change my address, failed to confirm a debt, e tc. 1 ) I have sent experian more than 10 letters in the last seven months about inaccuracies on my credit report as they are reportin g a bankruptcy and  XXXX  collection accounts (   XXXX   XXXX   ) and  XXXX   XXXX   XXXX  ) that do not belong to me. I have never filed Bankruptcy. I asked them to verify this information and at first they would not respond. then they sent a letter saying thy verified. When I called and explai ned the county  could not verify it for me and I have documentation they told me to mail it to them which I did but nothing changed. In  XXXX  and  XXXX  they also added  XXXX  collection accounts that do not belong to me. I asked them to verify and they claimed they did. When I contacted the companies they did n't have the right person nor the right address. ( They did n't even have the correct state ) I contacted Experian via phone and mail and they have done nothing. These  XXXX  negative items are severely hurting m y credit score. Even with putting my correct address on my report has been an issue that takes 3 or 4 letters, 4-5 calls and copies of my lease, pay stub and drivers license.

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 2020-10-07
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Month after month I call this incompetent company to stop paper statements from being mailed to my house with no results. I have checked the option on their 1980 style website and they still send me paper statements. WHY IS THIS SO HARD?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On yesterday, XX/XX/XXXX @ XXXX and " again '' @ XXXX I contacted Bank of America ( Automated System ) to get my daily balance ( as I do everyday ). According to Bank of America 's ( BOA ) automated  system there were 5 transactions that reported " CLEARED '' to my checking account on XX/XX/XXXX in the following order : 1 ) $ XXXX-CLEARED ; 2 ) $ XXXX-CLEARED ; 3 ) $ XXXX-CLEARED ; 4 ) $ XXXX-CLEARED ; AND 5 ) Check # XXXX in the amount of $ XXXX-CLEARED leaving my daily balance @ {$31.00}. Yesterday, I made 2 deposits totaling : $ {$36.00}. However today,XX/XX/XXXX @ XXXX, the BOA automated system reports the " exact same '' following transactions as " PENDINING PAYMENT '' with {$35.00} charged to each 1 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 2 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 3 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; .AND 4 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed. I am DISPUTING, the 4 separate {$35.00}  fee 's assessed totaling : {$140.00}. I am also DISPUTING, the two other {$35.00} fee 's assessed for  Check # XXXX in the amount of {$62.00} and Check # XXXX in the amount of {$55.00}. According to the BOA female representative ( today, XX/XX/XXXX prior to my transfer to XXXX ), CUSTOMERS have until XXXX the next day to submit payment before fee 's are assessed. However, fee 's are already assessed to my account for the two checks that were processed overnight last night Check # XXXX ; and # XXXX ( prior to XXXX ). When I spoke with XXXX today, XX/XX/XXXX he credited my account with 2 of the assessed fee 's of {$35.00}. I am still, a VERY DISSATISFIED BOA CONSUMER. BOA, have reported transactions ( via the BOA automated system ) in error which caused my account to be in a " NEGATIVE '' status. The BOA automated system reported transactions as " CLEARED '' when they had n't " CLEARED '' causing complications with my account. I am requesting, that BOA correct THEIR error 's by crediting all of the improper fee 's assessed to my account for their improper reporting 's on yesterday, XX/XX/XXXX as " CLEARED '' items. I check my account ( via the automated system because of previous ID theft via the internet on-line banking ). This problem is a daily occurrence where transactions are reported as " CLEARED '' when they really are NOT. Sincerely, 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 monetary relief
Consumer complaint received 2017-06-08
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The debit collector is ad astra recovery services. I have gone through so many things trying to get them to understand I was a victim of identity theft in  XXXX  and the only way I found out about it was trying to file state taxes, someone was able to file taxes in my name using my social security number, I have submitted documents from the IRS to them showing them the supporting documents. I have never received anything in mail about this account nor have I ever received any phone calls. This information was placed on my credit report and that was the way I found out someone had taken a loan out in my name. The amount posted was {$720.00} that was placed in  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have sent letters to  Trans Union,  XXXX  and  XXXX  requesting that inquires made to my credit be removed.  XXXX  and  XXXX  has removed the fradrulant inquires however Trans Union has failed to  do so. I have  XXXX  inquiries that I have asked to be removed starting  XXXX    XXXX   until now  XXXX   XXXX    XXXX   when I realized they were there. The inquires still remain and is ruining m y credit score.  The following inquires should be immediately removed :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a text from BofA asking if I sent XXXX XXXX {$3400.00}. I immediately replied " NO '' and I received a call from BofA. I was at work, so I really didn't think twice. They acted just like a rep, and they asked me for my social, username and password. I did as they asked bc I really did believe they were a rep. They assured me they were freezing my account and the funds will be returned and they will call me the next day. The next day came, and they called me again, they needed to get my information again in order to finish the process and that is when I noticed another {$3400.00} withdrawn after the call was over. I called back the number they called me on, and the number directed me to BofA and it was a legit rep. The rep did not see any calls or notes made with me and they said I was scammed. I have been following up with Bank of America as much as I possibly can. They take no less than 1 hour and half to answer everytime. On XX/XX/22 I received a letter saying they will not approve my claim. I called them waited almost 3 hours and they said they are still waiting on " XXXX XXXX  '' to see if they can reverse the unauthorized XXXX transaction. The rep said Bank of America will not be able to give me my money unless XXXX XXXX returns it and that may not happen. Before this incident I was not aware of this type of scam it was after I started receiving emails of " scam preventions. '' The scammer got access to my banking, went in and made two XXXX transactions totaling {$6900.00}. The recipient used my last contact 's phone number to make the account connect to XXXX, using XXXX XXXX  so it looks like I made the transaction to him, I DIDNT! The name on the account shows XXXX XXXX. I called XXXX XXXX to see how is this possible and they did assure me if someone has an ID, Social, ect they can create an account online. I do not understand how banks can't insure someone's hard earned money! I work overtime and save just so someone can come through and steal that from me. There is no way I can lose {$6900.00} just like that... Please 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 2017-06-05
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in response to prior claims that have been submitted and closed due to the response of the creditor. Claim file numbers are  XXXX  and  XXXX .  <P/> The foreclosure sale has been process my motion to dismissed was denied as expected, to think that the judge would listen to my case and my concerns was foolish. However I received this letter that I have attached from Citimortgage and have followed up on this I have not heard back. I want to the outcome and has this request has been processed and I am entitle to this refund. As their claim is that I did not make any payments while my file was in foreclosure but checks were processed cashed.  <P/> Please advise, 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 2019-12-04
Company: Auto Properties II, LLC
State: PA
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:
Ok on XX/XX/2018 a guy from XXXX came to Estimate hiw much it will cost for a tub replacement. He said I can get a discount if I provide him with my SSN which I did. Then he told me that I can not get the discount because I was not qualified for it. Come to find out he lied and it was for a finance check to see if I can get finance for the replacement. Well I reported XXXX and because of all the lies the guy told me, XXXX gave me the replacement for free which was a {$5300.00} tub free. Well I just checked my XXXX XXXX and it shows for hard inquiries that Hrac/Hampton Road for home improvement on the date : XX/XX/2018 still shows on my credit report which should not show because I never gave permission to check or apply for fiance that is why I got a free tub and the guy was fired to begin with. I contact Hampton at XXXX and they told me that because I signed the paper, they can not remove if my credit. I told him that I have XXXX  and that I can not read or write that will and that the XXXX  guy told me what I was signing which was not a financial or a financing paper. That is also why I got a free bath from XXXX   because it was a violation that they did agenst persons with XXXX from the ADA. Now I have to go though all this once more because this is showing up on my report which they had no business asked for in the first place. Now I thought my business with XXXX was over now I have to fight to remove this from my credit which I never gave them permission to start with. I am asking for {>= $1,000,000} for pain and suffering because I have alot of XXXX  XXXX and this is efficient this is a major way.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-05
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Received this packet with a XXXX XXXX enclosed and all I have to do is activate it. 
I did not order this and someone took my credit info to get this... I am mad. 
I work hard to maintain my good credit rating without having to deal with this " Phishing Mail " NETSPEND XXXX XXXX XXXX XXXX, TEXAS 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 explanation