BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-23
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XXXX XXXX, 2017, Ally Financial had my vehicle repossessed since the vehicles lease was matured ( ended ). They did not give the customer any notification of this as they failed to contact the customer in regards to his post-lease options such as financing and or extending the lease.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: PA
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:
The Credit bureaus stated my account wasproperly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 2022-02-28
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Timeline and Summary of loan # XXXX Shellpoint ( address ) This has been our family home for the last 30 years. In XXXX of XXXX, my mother passed away and my father, XXXX XXXX wrote to Shellpoint to inform them that he had given me permission to speak on his behalf. ( see documents ) In XX/XX/XXXX we received a letter from Shellpoint stating they were servicing our family home loan. On XX/XX/XXXX I mailed our first payment and did so consecutively for the next 3 months. 

In XX/XX/XXXX Shellpoint wrote a letter stating we were behind on our mortgage payments. The amount due was {$8600.00}, which included, interest, late charges, and various other fees that seem to change daily. 

I have copies of canceled checks from XXXX and Shellpoint for our monthly payments. During XXXX I reached out to the City of XXXX Housing Program to help with our communication. At that time the company was known as XXXX XXXX  and I had requested copies of our 12 month payment history. 

This has been an ongoing problem with three different servicing companies, that claim my parents missed payments. Ive repeatedly requested payment history information from XXXX. Before we know it the loan has been sold to another servicer. ( Shellpoint ) We did a re modification in XX/XX/XXXX principal balance was {$100000.00}. We made all our monthly payments. In XX/XX/XXXX Shellpoint sent a validation of debt notice of {$110000.00}. 

This has been an ongoing pattern from all three servicing companies, and has brought a great deal of uncertainty, confusion and stress. This loan started out as a {$120000.00} dollar loan in XXXX. This has been a vicious cycle of false claims of in default, remodifications, threat of foreclosures and other unscrupulous accounting practices. 

I would like Shellpoint to provide us with our last 24 month payment history and to remove the {$8600.00} in late charges and fees that we have no knowledge of, nor have we agreed to. ( see documents )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Equitable Acceptance Corp
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was involved in a fraud scam. In XX/XX/XXXX of last year, I set up a payment plan with this company for my student loans to be paid off in the next 10 years if I pay this amount for 10 years. I had no idea that they were taking the money and pocketed it. I just want my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX sold off account to Selip & Stylianous LLP. Without notifying me that the account was sold off, Selip and Stylianous sent me via the XXXX County Court System a notification that they are suing me on behalf of XXXX XXXX. When I contacted XXXX XXXX, they said that the account was not theirs anymore and had nothing to do with the lawsuit. I inquired to Selip and Stylianous LLP about why they never contacted me before suing me and they would not respond.

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 2017-07-23
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to Phoenix Financial Services by certified mail on XX/XX/XXXX to validate a debt that was reporting on my credit report. Phoenix Financial then mailed me out a letter dated on XX/XX/XXXX that they could not verify the debt and it  will be deleted from all 3 credit bureaus. XX/XX/XXXX i received notification from XXXX XXXX and XXXX that all of those accounts were deleted from Phoenix Financial. I then received another letter dated on on XX/XX/XXXX from Phoenix Financial that they were confirming that all accounts were closed and returned to the original creditor. Today, XX/XX/XXXX I received an alert from XXXX that new collection account was placed on my XXXX  report from Phoenix Financial Services. Phoenix Financial did not send me anything prior to reporting this onto my credit report nor did they give me enough time to validate this debt. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material.
( ii ) Notice to Consumer I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for you blatant disregard for the law. I Have attached copies of those letters from Phoenix Financial Services in regards of the deletions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been a Capital One XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. 

However, during the beginning of the XXXX pandemic in early XXXX, shutdowns and quarantines forced people to make hard decisions about financial obligations. I had had perfect payment history until XXXX and XXXX when I missed a payment ( one payment missed two months in a row, so " 60 days '' ) on my Capital One XXXX XXXX, as I was out of work due to an increasingly serious pandemic and had to choose between food/XXXX/credit obligations. 

Since that time, I have resumed my exceptional payment history without a single missed payment. Additionally, the credit cards acquired since that time have received perfect payment histories as well. 

I have contacted Capital One and requested that they apply a goodwill adjustment to remove the late payment ( s ) but was told that they can not remove late payments, even though lenders ( including Capital One ) were actively working with consumers during the pandemic to forgive late payments and delay the reporting of delinquencies. In general, Capital One does not have a policy against goodwill adjustments. Certainly, given the timing of these missed payments ( early XXXX, XXXX shutdown ), a goodwill adjustment is not unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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: Information is incorrect

Complaint:
I am attempting to apply for local credit unions in my area and they stated that there was a security freeze on my Chexystems profile. I contacted Chexystems and they stated that there was no freeze. However all of the credit unions have stated there is one and what they say comes up is THIRD-PARTY SECURITY FRZ ALERT on the chex systems report. Chex systems states there is no indication of this. This is stopping me from moving on with my life. Legal litigation will be pursued as they are in violation of the fair credit reporting act. I expect them to do their research and remove this third party security freeze alert immediately from my chexysystem profile as that has nothing to do with my chexsystem profile. I will upload my identification as proof and also proof of my social as well as a letter from one of the credit unions stating what comes up when they pull my chexsystem. Please get to the bottom of this! I applied to XXXX and XXXX XXXX XXXX XXXX and they both are getting the same response from chexsystem. I can't move on with my life. 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 explanation
Consumer complaint received 2022-06-12
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 Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, & # XXXX have violated my rights. 

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. 

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 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

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 2022-06-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, & # XXXX have violated my rights. 

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. 

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 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: OPORTUN FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
My name is XXXX XXXX. XXXX. 
I have received account registration text confirm from my phone number XXXX last night as the screenshot pic shows. But i didnt do that new registration I already had an account with Oportun online banking website. 
I have just reported lost card and freeze use of card but not send a new card to Oportun credit card company yesterday afternoon. 
Its a FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account with XXXX XXXX was closed due to inactivity. Ive had that account open with them for 4 years and have spent thousands of dollars with them. For not using my card for about 6months to a year they closed it without warning. 
I was actually in the process of purchasing furniture again when I found out they closed my account. And when I addressed the issue they stated there was nothing they could do it was a security measure.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 take a look at the attached letters and ID docs for verification that it is I, XXXX XXXX, filing this complaint. The stuff on my credit report is wrong.

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 2017-07-23
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE DISPUTED THIS ACCOUNT MANY TIMES STARTING BACK IN XX/XX/15 I CONTACTED TRIDENT ASSET & DISAGREED I WAS ADVISED I NEED MORE DATA, I PROVIDED TWO RECIEPTS SHOWING I TURNED IN ADDITONAL CABLE BOXES AT A LATER DATE, DATED AFTER I SURRENDERED MY SERVICES WITH XXXX, ( 1 ) DATED ON XX/XX/13 SHOWES I WALKED IN MY DEACTIVATED EQUIPMENT AT A XXXX LOCATION IT SHOWS 3 CABLE BOXED & 1 WIRLESS ROUTER & XX/XX/13 I WALKD IN AN ADDITIONAL BOX THAT WAS A DEFECTED, IT 'S A SEPARATE RECEIPT SHOWING THAT I WALKED IN ANOTHER CABLE BOX, THEY CAME BACK WITH THE SAME RESPONSE I OWE THIS DEBIT WITHOUT A WRITTEN EXPLINATION INCLUDING A BILLING BREAKDOWN OF THE CHARGES, HOWEVER TRIDENT SENT ME A INCOMPLETE BILL THAT ONLY HAD FOUR PAGES & FAILED TO PROVIDE AN ITEMIZED BREAKDOWN OF THE CHARGES INDICATING I OWE THE BILL THAT HAVE BEEN GIVEN TO ME DOES NOT STATE ( 1 )  DETAILS OF CHARGES WHICH WOULD SHOW THE TYPE OF SERVICES I RECEIVED, SUCH AS INTERNET & PHONE BUNDLE ADDITIONAL SERVICES & EQUIPMENT FEES & OTHER CHARGES, I HAVE CONTACED TRIDENT THERE AFTER ON MANY DATES XXXX & XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX TO CURRENT XX/XX/XXXXAND DISAGREED EACH TIME WITH TRIDENT THAT THIS IS A BILLING ERROR, & I HAVE REQUESTED EACH TIME TRIDENT ASSET PROVIDE ME WITH A WRITTEN EXPLINATION PROOF OF CLAIM & CLARIFICATION OF CHARGES WITH VALID VERIFICATION PROOF, IN WHICH TRIDENT CA N'T PROVIDE VALID PROOF SHOWING HOW THIS MONEY IS OWED, THEY ONLY CAN PROVIDE AN INCOMPLETE BILL THAT HAS NO BREAKDOWN. THIS IS FRAUD I FEEL THIS COMPANY IS TRING TO EXTORT MONEY FROM ME, I 'M REQUESTING THAT THIS BE REMOVED ASAP IT 'S CAUSING HARDSHIP & HENDERING ME FROM MOVING ON. TRIDENT FAILED TO PROVIDE VALIDATION OF DEBIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: MD
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, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, all 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 a account without my written consent, and or 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 2022-06-12
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased an item from a retailer through affirm. The item was not received and I attempted the dispute the charge. I provided the necessary evidence to show that the retailer was at fault and that my loan should be refunded. However affirm has informed me that I must have documentation from the retailer stating that I am eligible for a refund. If The retailer had agreed to refund me there would be no need for the dispute. The process as been going on for 60+ days without affirm attempting to press me into paying for an item that was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Scott Fetzer Financial Group Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United consumer financial purchased a debt from someone else and is coming after me. I never recieved written notification of the debt or that I could dispute it. Also did not get info about original creditor when I mailed them a letter on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
hello how are you all doing! 

I had netspend card for a longtime no problems. suddenly my card was hacked or comprised, they are several unauthorized charges on my account. totaled close to {$2000.00}. i filed an dispute. The only give {$2.00} back out of almost {$2000.00}. and denied the other charges which doesnt make since because the {$2.00} i received was an charge from flordia . I live in north carolina the charges came from Flordia and other states i never traveled too. Iam a single mother i cant afford to lose my hard earned money to scammers. I believe netspend is not upholding the federal laws that are made to protect its consumers against fraud. ( 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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, all 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 a account without my written consent, and or 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 non-monetary relief
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: MS
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:
I have previously sent letters requesting verification of debt to Collection Bureau of For XXXX XXXX for two accounts and XXXX XXXX XXXX immediately after noticing the collections on my credit report. They have sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Equifax with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Equifax send me the documentation that was sent that convinced them to verify the debt. Equifax responded by telling me that they could not and to speak with the company directly, which I have done for multiple years now. XXXX and XXXX was unable to verify the collection so it was immediately removed. However, Equifax refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.

Company response to consumer: Closed with non-monetary relief