BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: ALLY FINANCIAL INC.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There have been numerous problems with the Ally investment trading platform which/witch led to a heated interaction after rude customer service representatives were inept and escalated the unwanted exchanges. Then after Ally said to close ALL my accounts in a letter I contacted them with ALL the information to do so into a XXXX account. However, they said the transaction was reversed BUT wouldnt say why and claimed there was no explanation upon checking with that department in yet another unwanted interaction their ineptitude created. THEN I was told they automatically mailed the checks instead creating a checks in the mail dynamic I never would have authorized! I would at very least used an express tracking service. I allege unscrupulous actives as regards their trading platform AND harassment in relation to their not performing the transfer after being provided the information potentially also trying to facilitate the checks theft after they obtained the other banks account information without using it.They also should have tried multiple times to perform an electronic transfer without just sending checks which/witch should then have been sent via an express tracking service utilizing carrier. ALSO, in a letter saying to close my accounts I was given less than a full month to even do so based on the date their letter was created and sent and the date I am expected to do/due so by.

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 2020-02-28
Company: EQUIFAX, INC.
State: NV
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 do not moniter my credit often, I see an ample amount of account showing on my credit profile that I have no knowledge of. I have contacted the credit bureaus via mail and none of my request are being responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
My home loan was transferred to XXXX at the beginning of the year. I started to make my scheduled online payments. In XXXX, I enrolled myself in Autopay. I received a letter from XXXX in early XXXX stating " Our payment drafting program is ready to do the work for you. This notice confirms that you have given authorization to XXXX XXXX XXXX XXXX XXXX to draft recurring monthly payment for your above referenced loan. '' I had already make the XXXX payment online so was under the impression that my XXXX payment would be drafted accordingly. 

I never received any additional letters or notifications from XXXX until XXXX stating my XXXX payment was delinquent and they had also not received my XXXX payment yet. I IMMEDIETLLY called them ( which they have a record of and acknowledged during my dispute ) and XXXX the XXXX and XXXX payments as well as the late penalties ( although I did not think I should have to pay a late fee in this situation ). 

I think re-enrolled in autopay. I received another letter in late XXXX again stating I was enrolled in autopay and their : payment drafting program is ready to do the work for you. '' This time I was sure to check in XXXX if my payment had been drafted, and it HAD NOT. I immediately submitted payment. 

I AGAIN re-enrolled in autopay and once again received a letter stating I was enrolled for XXXX. I didn't receive any correspondence that I was disenrolled any of the times. Again, I was sure to check the status in XXXX and saw it wasn't deducted from my bank account. I made the payment online to assure I wasn't delinquent. 

Shortly after this I sold the house and paid off the loan. Then I went to apply for a new home loan to purchase a new home and was told my credit score had dropped by XXXX points. I have always had credit around 750 and was never delinquent on a payment. I went through the research department at XXXX to try and get this resolved and was told " no adjustments were warranted ''. I have done everything right in this situation and feel I am being wrongfully hurt my XXXXXXXX XXXX  by this scam they seem to be running to try and get late fees from clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
One Main Financial in XXXX, IL is not abiding by the Predatory Prevention Act and are still charging 55 % interest on a title loan. The interest is more than what goes to principal. I have tried talking with them and they would not lower the rates. On a {$300.00} payment, {$130.00} is principal and {$160.00} is interest. My fixed income is making it difficult to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Emergent Business Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Emergent Business Group contacted me on XX/XX/2022 via phone. 

I have never received anything in the mail about this debt. 

Kindly fill out the documentation i have provided in the fair resolution area of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been a member of TransUnion ' s Credit Monitoring service for approximately the past ten years. Approximately four months ago I signed in to my TransUnion TrueCredit account to get my latest report and everything went blank. No score, no report, no nothing. The " dashboard '' remains blank no matter what I attempt to do. I have updated the credit card I was using. At first the system would not accept it ; however, it finally wo rked and the funny thing is they have no problem charging the new card for the monthly fee. Additionally, the system will only give me the option to update my  XXXX  agency report occasionally and it never actually works. It just takes me to an error screen that says : " We are temporarily unable to complete your request. Looks like we are experiencing a problem ''.  <P/> Furthermore, I have called in at lea  st five times over the past three months and I get the same standard unhelpful answers : " They are aware of the problem, try again tomorrow, and it could be a browser issue ''. I have tried three different computers ( Home Mac, Home PC, Work PC ) and four different browsers ( Safari, Opera, Chrome, and Explorer ) on numerous occasions. Nothing works except that it appears to allow me to block or unblock my file.
<P/>
Extremely Poor Customer Service. In fact, I would have to say it is unbelievable. I even spoke to a supervisor who was clueless and simply repeated everything their   representatives have said before ; however, they could not resolve the problem and that is unacceptable.

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 2021-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates, LLC at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. 
Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor XXXX XXXX XXXX Lastly, after doing so, XXXX XXXX still sold the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Experian continues to charge me XXXX despite the fact that I do not have an account with them. I have disputed the charge with my Credit Card company continually since the beginning of XX/XX/2019. Furthermore, Experian 's IVR system makes it impossible to speak to a representative prolonging the problem. While XXXX has compensated me for the charges, I am not being compensated for the time spent attempting to research and re-mediate this situation.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX  account # XXXX 2 : XXXX XXXX XXXX XXXX  XXXX ) account # XXXX 3 : XXXX XXXX account # XXXX 4 : XXXX XXXX account # XXXX 5 : XXXX XXXX XXXX account # XXXX 6 : XXXXXXXX XXXX account # XXXX 7 : US BKPT CT NJ XXXX ref # XXXX 8 : XXXX XXXX account # XXXX 9 : XXXX XXXX account # XXXX 10 : XXXX account # XXXX 11 : The XXXX XXXX XXXX account # XXXX 12 : XXXX XXXXXXXX XXXX 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.

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 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Fraudulent activity caused my account to be overdrawn and frozen. My funds were taken by the bank and I do not have access to the money from my account. The problem was reported and followed up with phone calls, messages, and in-person visits. The bank took the money I should have given back to 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 2017-06-12
Company: Experian Information Solutions Inc.
State: GA
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:
In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  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 2018-04-16
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the number listed with the Creditor Contact Details. I got no answer at first and after that I got a voice-mail stating it was after hours. But I was never told what company I was attempting to reach, etc.

Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX   *Estimated based on the date of your inquiry and an assumed 2 year expiration period which will not be until XX/XX/2018.

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 2022-04-04
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
after purchasing my home, I lost my job due to COVID in XX/XX/XXXX. I then encountered XXXX XXXX so I called my mortgage company asking for assistance, XX/XX/XXXX. They instructed me that I will need to complete a full loss mitigation application. I started the process and completed the required documentation. Later I received a denial because too much time had past and my documentation submitted was outdated. XX/XX/XXXX. I re-submitted and was asking to provide additional documentation and letter of explanation for all deposits to my account. I provided that. I received a letter of denial because application was incomplete. XX/XX/XXXX. 

I called asking for details on application and what was needed. The request was re-opened and additional documentation was provided. XX/XX/XXXX. I was then asked to provide statements for my daughter 's, a dependent, checking account. I uploaded her statements. In XX/XX/XXXX, I received a letter that my mortgage was in foreclosure. 
I have called 22 times in the month of XXXX, and 3 in the month of XXXX. 

I have learned that because my hardship was due to COVID, I should not have had to go thru this entire process. It could have been streamlined. I have requested forbearance under the Federal CARES Act on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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 act the following accounts have violated my rights. 
1 : XXXX XXXX account # XXXX 2 : XXXX XXXX XXXX XXXX  XXXX ) account # XXXX 3 : XXXX XXXX  account # XXXX 4 : XXXX XXXX account # XXXX 5 : XXXX XXXX XXXX account # XXXX 6 : XXXX XXXX account # XXXX 7 : US BKPT CT NJ XXXX ref # XXXX 8 : XXXX XXXX account # XXXX 9 : XXXX XXXX account # XXXX 10 : XXXX account # XXXX 11 : The XXXX XXXX XXXX account # XXXX 12 : XXXX XXXXXXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have for the third time already had problems with this bank and services that it is suppose to provide for me. I have account balance notifications set up for my email and text message that never work while the bank continues to charge overdraft fees to my account while it continues to go further into the negatives. My account dropped below my notification limit on  XXXX / XXXX / 17  and have yet to receive any type of notifications to this date of  XXXX / XXXX / 2017 . My account dropped into the negatives on  XXXX / XXXX / 17  but have yet to receive any notifications or have the decline of my card to this date of  XXXX / XXXX / 17  to which i have gotten to  XXXX . There is also an instance in which they charged  XXXX  overdraft fees  on one d ay  XXXX / XXXX / 17  of  XXXX  $ each for a total of  XXXX   . Ag ain no notification both email or text was ever sent all the while allowing me to accrued debt and fees with no knowledge or notfication.

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 2017-04-11
Company: F&L Marketing Enterprises LLC
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I inquire about this loan, the explanation was i already paid the loan and it not even going toward the payment, so i been laid off as of XX/XX/XXXX/17 waiting for the unemployment to se if i am qualify

Company response to consumer: Closed with explanation