BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with Ally on a vehicle I traded in and paid off and opened a new loan. Ally sent ZERO information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, Ally did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and Ally should be held accountable. As stated by them there were many consumers effected by this and clearly Ally is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.

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 2015-10-17
Company: Circleback Lending, Inc.(Closed)
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Was pre approved for a loan. 2 weeks later loan was not funded, however they re ran my credit and caused my score to drop XXXX points. then they declined the loan for the score drop even though no information had changed in my consumer credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After closing my account due to fraudulent charges on XX/XX/XXXX, I was told I would receive my lost money in 7-10 business days in the form of a check. As of XX/XX/XXXX I still have not received a check or any forms of communication about the fraudulent charges inquiry. I also have transactions that were refunded via XXXX to this account that I have also not received compensation for. At this point the fraudulent charges total {$72.00} and the refunds via XXXX transactions total XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing to dispute a billing error in the amount of {$2600.00} from Citi Credit Card that appeared on my credit report ( XXXX ). The amount must be mistake because I called the Citi representative to find out about this charge, but they were not able to find any account information under my name or social security number. This could possibly be a fraud and has caused damage to my credit. My family we 're trying to get a loan to buy a house and not able to because of this. I tried calling Citi Bank and Citi Credit Card, they provided me fax numbers to send in my disputes but both numbers do not work. They said only fax and no email for the disputes. I am unable to get through them. This is why I come here to your site for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Social Finance, Inc.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I received a prescreened offer from SoFi to refinance my parent plus loans. I applied and was declined. The adverse action principal reasons provided stated : Delinquent past or present credit obligations with others. It would appear as though SoFi 's prescreen criteria is " tighter '' than their post-screen criteria. Meaning all of the previous delinquencies noted on my credit bureau are older than 2 years, so they were clearly they tradelines in question were there at the time of prescreening. You should not be declining based on information that is readily available at the time of prescreening, or do n't send out a prescreened offer. 

Additionally today I received another prescreened offer from SoFi for a personal loan up to {$93000.00}. 

I do not believe SoFi understands the purpose of prescreening individuals and direct marketing to them. I could understand if something changed with regard to my bureau report or my income ( ability to pay ) but that 's not the adverse action stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX DISCOVER XXXX XX/XX/XXXX {$16000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} These accounts was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am the XXXX of a business ( XXXX ). I get phone calls from what is listed on my caller ID as CitiGroup with a phone number of ( XXXX ) XXXX. The call is an automated call that asks to return the call at XXXX. Upon returning the call to inform them that we are a business, I am told that we will be removed from the call list. The call comes multiple times a day but XXXX of those times is right around XXXX. This is the busiest time of the day, any day for us as a XXXX. XXXX of my staff members or myself have to stop assisting our paying customers to answer the phone, in case it is real customer. I have called the company requesting to be removed XXXX times. The last XXXX times, I have spoken to supervisors and they have guaranteed that I would not be called again and our number would be removed from the list. Additionally, the name of the person they tell me they have listed for my number is n't even the last name of anyone I 've ever hired for my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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 XXXX Account # XXXX, has 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: IQOR US INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX of Allied Intertstate has been calling for XXXX straight business days beginning on XXXX/XXXX/15. I XXXX at a high school and she keeps calling me at the school. I have no outstanding debt. I called her back on XXXX and got her voicemail. I left a message stating that I had no outstanding debt and told her to stop calling. The same thing happened about a year ago. She called my work again today and left another message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Woman debt collector XXXX XXXX from Caine & Weiner from Kentucky. calls my home before XXXX XXXX XXXX time asking me questions about owning a company. I told her to please remove my number from the call list and that it is illegal to call my home before XXXX XXXX she starts arguing with me. She said that she can call and it is not illegal to call my residence. In a few minutes she called back again and hangs up. I then called her back and she begins to argue with me. Illegally calling my home early in the morning is harassment and if this is their practices this must STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: RMS-Recovery Management Services, Inc.
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just spoke with Recovery Management Services and inform them that XXXX University Online did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is absolutely horrible how I am being treated with covid I reported my card as lost they told me they would expedite it by XXXX and I never got it then they apologize and said they never sent it now they reissue me a card called me to confirm its me and I get the card they blocked my online access online banking everything for no reason this is not fair and told me to go with my id to a financial center this is ridiculous with covid

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 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
XX/XX/2021, XX/XX/2021, XX/XX//2021, XX/XX/2021, XX/XX//2021, XX/XX/2021 pulled credit report without my permission from unverified source.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am unable to submit a dispute on my Transunion credit report.On XXXX, and XX/XX/19, I attempted to submit a dispute on my Transunion credit report on the Transunion website and I have been unable to submit a dispute. Each time I try to submit a dispute, the dispute feature takes me to a broken link or I do not see an option to submit a dispute. It is very difficult to submit a dispute on Transunion website

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 2022-02-20
Company: EQUIFAX, INC.
State: TX
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:
Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have XXXX fraud apartments on my report. ( XXXX XXXX  ) Acct # XXXX ( XXXX  XXXX  XXXX  XXXX XXXX ) Acct # XXXX ( 09 XXXX  ) Acct # XXXX I have XXXX Fraud Phone/ Mobile System on my report. ( 11 XXXX XXXX ) Acct # XXXX ( XXXX  ) Acct # XXXX I have XXXX Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on XXXX, XXXX and Transunion. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I checked my personal credit report and I found that there were things on my credit that do not belong to me. So i submitted dispute request and nothing has been done yet. I would like this information to be removed from my credit

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 2020-08-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to complain about an online systems malfunction, lack of customer disclosure, and an unwillingness to make things right that resulted in a late payment mark on my credit report for my XXXX XXXX / XXXX XXXX credit card, which has now stayed on my credit report for over 2.5 years. This has negatively impacted my ability to receive home loans, and has costed me hundreds of dollars in additional interest and fees. 

When I opened the account, XXXX XXXX forced me into the paperless option to save themselves money, but denied me online access to view my bills. Due to a technical error, I could not set up my online account for the first 6 months after account opening. Realizing the problem I would have with a potential late payment, I set up monthly automatic payments of {$40.00} - the minimum monthly payment amount. 

Little did I know, the minimum monthly payment increased by a few dollars several months later, causing me to receive a late fee. This step-up in fee was inadequately disclosed to me in the account terms. 

As a result of this, in XXXX I was past due with a balance due of {$7.00}. There was no attempt to contact me nor did I receive any monthly bills informing me of this. I was charged a late fee of {$25.00} that month. This late balance continued to grow and accrue more late fees, despite me paying {$40.00} each month, which was the minimum payment shown to me when I opened the account. Eventually, in XX/XX/2018, I received a negative mark on my credit. Noticing this, I immediately got in touch with XXXX XXXX and made a large payment of {$200.00}, but the negative mark remained. 

My otherwise excellent credit history has been tarnished by XXXX XXXX XXXX  unreliable technology, lack of disclosure, and lack of concern for its customers. XXXX XXXX denied me access to view my bills online, did not send me paper statements, and despite making regular payments each month in the amount of {$40.00}, hit me with a past due negative mark on XX/XX/2018. Despite contacting them directly, and initiating 2 separate disputes through the credit bureaus, they have ignored all my attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a personal student loan that was discharged on XXXX. This loan was co-signed by my ex-husband. 
Since then the loan has been bought and sold by several other companies. 
I have now been served with a wage garnishment from XXXX , XXXX , XXXX XXXX XXXX , XXXX . and have tried to work out a payment arrangement although at this point I am not sure if I owe this debt and to whom I owe it to. I have made contact with this company and the representatives have been very rude, condemning and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
regional acceptance corp. has illegally updated collection account by submitting false payment dates and activity on account. Its reporting the account to be180 days defaulted as of XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX the account display current. XXXX thru XX/XX/XXXX account display 30 to 180 delinquent. The account was in a chapter XXXX bankruptcy filed XX/XX/XXXX and was dismissed on XXXX XXXX for non payment. after carefully looking at my credit report I noticed regional acceptance corp. enter a date of last payment received XX/XX/XXXX on one credit report then reflects a charge off as of XX/XX/XXXX but then change close account date as of XXXX this information has been altered re-aged on credit reports far back as XX/XX/XXXX.no data entry between XX/XX/XXXX thru XX/XX/XXXX on my XX/XX/XXXX credit report but shows me 180 days delinquent in XXXX credit report during that time. the fair credit report act says the original first date of reported delinquency and after of no current status 7 to 10 years the negative information should be removed. The state of New Jersey statue of limitation is 6 years. I am beyond the required time this account is outdated and needs to be removed quickly.

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 2020-08-14
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have continued to receive letters in the mail ongoing and receiving phone calls. I have even had my personal attorney send a letter and afterwards continued to get more. It is ongoing and very abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I made a transaction with my card, on XX/XX/2020 transfer was the transaction I made from my account so I really want to log on my account to view my account statement and perform other transactions I guess I was unable to log on it because someone tampered with my password, so I need you to email a link on how to reset and verify proving am the rightful owner of this prepaid car, you can contact me here .. 
Email : XXXX Mobile number : XXXX XXXX XXXX Thanks you all ..!

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 2016-03-25
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am a XXXX on a fixed income. I have just enough income each month to pay my bills and to feed and provide shelter for me. If I have extra expenses in one month, it puts me behind financially and this is what happened in this situation..I have a loan with Honda Financial. 
I have paid {$380.00} a month, without interruption, to Honda since XXXX, until a month or so ago, when it changed to {$400.00}, using the extra {$17.00} to pay off late fees that had accrued and for which your agency helped me to finally stop accruing. All because Honda would not change my payment date. 
In early XXXX XXXX, I had some extraordinarily large bills to pay. Car registration, and other car repairs that had to be done i.e. replace an old battery, as well as one-time medical bills.I tried to borrow money but I was not able to do do that. In any event if I borrow money it makes things worse, because I go further into a financial hole and can not pay it back.So now I owe {$400.00} for XXXX XXXX which I just do not have the money to pay. I just made a {$400.00} payment to Honda, which is all I could send, and it was applied to XXXX XXXX. Now, I am getting calls twice a day about the XXXX payment. I also received a very disturbing, threatening letter from a XXXX XXXX, ( XXXX ) XXXX of Honda telling me that Honda Financial will use every resource under the law to get that payment, including re-possessing my car. I have tried to remonstrate with Honda Financial, to have them understand that I am a responsible consumer who wants to pay her bills on time every month as I have done 5 years. I 've had a run of high expenses that have to be paid, I have not used the money for unnecessary frivolities.And yes, I yearn to be able to save money each month to cover emergencies such as I have just had, but I just do n't have the income to be able to do that. Can you please contact Honda and see if there can be a solution to this impasse between Honda Financial and me? I believe they think I 'm not terribly intelligent, and perhaps might be doing this on purpose. I 've had a run of bad luck, but now I would like to continue paying my monthly payment every month for the approximately 15 months I have left to pay off the loan. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief