BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
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: Their investigation did not fix an error on your report

Complaint:
- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -Tai XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A XXXX XXXX, XXXX, et al, etc- The CORPORATE FICTIONS/ENTITIES listed D/B/A XXXX XXXX, XXXX, et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by coercion, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
-XXXX XXXXXXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
-When XXXX XXXX accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to XXXX XXXX from the trust. If XXXX XXXX does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ). 
-If XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX XXXX criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.

- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )

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 2023-09-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited on XX/XX/2023 at Wells Fargo ATM the amount of XXXX XXXX dollars. Wich did not appear on my banck account. I am waiting for XXXX  month ago the proof that the bank has. It is the only proof that I have too. They closed 2 times my case but never show me the video. I have ATM number, Location and time that I made my deposit. Please help me with this case. I think Is not necessary look for a Lawyer to resolve this. Thank you in advanced. Sorry for my XXXX. My first language is 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 2022-12-27
Company: Michigan Mutual, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
please refer to complaint # XXXX for more details. 


The mortgage company held a key document for my assistance request. only answered and produced the required document when answering to a complaint here and also only after the rejected the request for assistance because they did not produced the required document. 

this is unethical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/23 I received an email from Credit Karma stating : A new card could be just a few clicks away, XXXX. And whether it's a higher credit line, a low intro APR or new rewards, Credit Karma makes it easy to find the card features you're looking for. 

You already have Outstanding Approval Odds*, so head back to pick up where you left off. 

I trusted the information received. I applied for the card and was declined. I was hoping to get a lower APR and balance transfer. Instead I ended up trashing my credit score in the process. It lead me to wonder why are they ( Credit Karma ) allowed to do this? 

They pray upon individuals who trust their information that gives false hope using deceptive practices. Is there anything that can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: NJ
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:
As a consumer I demand Equifax, XXXX and XXXX remove the accounts listed on the affidavit of fact for a list of the violations from these accounts Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By Equifax reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Block, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
CASH APP has been notified in a previous complaint that they are illegally holding my property ( money ). This illegal siezure of my property is illegal pursuant the FDCPA. Due to their willful negligence CASH APP is now an accomplice to the violations committed by XXXX XXXX XXXX. and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect an alleged debt. In doing so they have violated several laws under the FDCPA. I have attached a notarized Affidavit Of Fact which outlines the various laws that are being violated. My consumer rights are being wrongfully violated, and a financial hardship is being caused by the illegal seizure of my property. I have already attempted to resolve this issue which was demonstrated in my previous complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
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 # 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 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 2023-04-28
Company: EQUIFAX, INC.
State: MO
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:
On XXXX I sent a letter to the credit bureaus, my U.S. POSTAL SERVICE CERTIFIED MAIL RECIEPT tracking numbers are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in regards to remove personal information that is reporting incorrectly, and to make sure that all my credit reports match up. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. also according to 15 USC 6802. no Financial Institution can share my information with third party people. 

THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
USAA has been sending unauthorized ACH Payments to XXXX under different accounts for 2 years. They are refusing to do an investigation and teturn my monies I have photos of excessive ACH withdrawals from my checking. I am requesting someone to investigate and follow up! I am overwhelmed with multiple banks and transactions since My identity has been compromised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was supposedly approved for a loan modification on my mortgage with DITECH. I completed by 3 trail payments by XX/XX/XXXX. Since then, I have been paying the trial amount each month but can not get them to answer questions about the status of my final loan documentation. I can not get my rep to call back with any coherent response, and all I get are letters in the mail pushing back a " resolution '' time by 14 days each time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: National Credit Systems,Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For the past year or 2 I have been fighting with a company called National Credit Systems about a collection on my name that I am not responsible for or connected too. 

For my entire life except for the time I spent out of the state while in the military, I have lived with my parents homes here in Ohio. 

In 2020 I had dealt with a large amount of different cases from, loans & credit cards being opened in my name, & my existed bank accounts & credit/debit cards being used all related to my identity being stolen or leaked online. 

In 2020 around the same timeframe, an individual rented an apartment in my name and didn't pay for it. I have no connection and have no idea who it was who rented this apartment, but it was not me & was a result of identity theft. 

Every single time I try to connect with National Credit Systems, they refuse to provide me with the verification of signature from the lease. 
National credit systems submitted to me a billing statement without any extra information such as lease documents, wet-signature or other info related to this situation. 

After speaking to our family friend who is an attorney, he said to me that " Under federal law, if a wet signature can not be provided by a collection agency, the debt therefore can't be verified & must be deleted due the unverifiable information. '' If National Credit Systems can not provide me with the " wet '' or Ink-Signature used on the documents for this apartment that was rented in my name, as a result of identity theft, I am asking the CFPB to ask them to delete the collection & remove it from all Credit Reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage loan account with Dovenmuehle Mortgage Inc and I have been promptly paying all my installments in time, thru autopay. My home hazard insurance policy was expiring on XXXX XX/XX/XXXX. I intimated to Mortgage company about my intention to change the insurance provider on XXXX XX/XX/XXXX and they acknowledged receipt of the same. I chose my new home insurance provider XXXX and advised mortgage company to make payment $ XXXX/- to them on XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX. I had followed up with them on XXXX XXXX, XXXX XXXX and on XXXX XX/XX/XXXX for payment. Instead, they chose to pay hazard insurance premium of $ XXXX/- arbitrarily on their own to XXXX XXXX XXXX XXXX who insures properties only in NJ and PA states , where as my property is in TX state . When I lodged complaint with Dovenmuehle Mortgage, they are evasive, unreasonable and non-cooperative. When I insisted, they made another payment to XXXX. When I asked for refund of $ XXXX/- to my escrow account, they asked me to contact XXXX, where as XXXX  was not chosen by me and I really didn't know who XXXX  is. Upon my contact, XXXX team was also confused and advised me that they have not received any check/ payment from Dovenmuehle mortgage company regarding insuring my home property based in XXXX Texas . Further they advised me that they cover only NJ and PA properties and not TX properties. When I pointed all these errors to Dovenmuehle Mortgage Insurance team, they started harassing me that my home is under insured, whereas it is not. Mortgage outstanding is $ XXXX, while home is insured for $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called credit control corporation on XX/XX/2020 to have them remove my paid accounts ( 3 of them ) from my credit. There is {$0.00} balance and this is negatively affecting my score. Im a US veteran trying to get a VA mortgage loan and do not qualify because of this and they will not remove it from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: FEDChex Recovery, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was called by the collections agency on XX/XX/23 for rental books from my college 's bookstore I was sent to collections for " not returning ''. I have returned them. I told the agency not to contact me anymore. They then contacted me again on XX/XX/23. I did not verify my name and again repeated that they did not have permission to contact this number. The rep, named XXXX, then proceeded to list off all of the phone numbers on the account and asked whose numbers they were. She had no right to share any phone numbers or information with me. I never said or confirmed I was the person she was calling for. When I pointed this out and asked to speak to her supervisor, they were supposedly unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have personally and on several businesses been using Wells Fargo Banking for over 30yrs without flaw and through businesses up to XXXX per year. I have received a notice on XX/XX/XXXX that ALL of my accounts are being closed without notice due to a " reviewed account relationship and a connection with Banks responsibilities to manage risks ''. I have 2 LLC 's and a personal and all funds will be frozen on XX/XX/XXXX. I have never written a bad check nor have deposited bad checks in the entire 30+ years. And just like that I am being targeted. What is the REAL REASON Wells Fargo? Are you next in line of bank failures?

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 2022-01-18
Company: DriveTime
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was compromised. As a result I have been a victim of ID theft. There was vehicle purchased totally on line, delivered to an address in a state I don't live in nor have never lived in. It did not match my Drivers license or any info given to this online lender. They are the ones who told me this on the phone. They have taken possession of the vehicle, sold it at auction and have reported this on my credit bureau with XXXX XXXX. I have submitted all the required Information they requested to have this removed and they still havent done anything other than try to collect on an account they know they should never have opened none of the information matched me or my credit file. AS a result they are victimizing me all over. I am in the process of obtaining my first home loan. The mortgage company can not give ma a loan even with PERFECT credit expect for this one open charge off. I have told them this and nothing is being done.

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 2023-02-27
Company: Southwest Stage Funding
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage has been in forbearance under The Cares Act for 6 months. The loss mitigation application the company sent me, gave me the option of providing my last federal income tax return in lieu of a lengthy and complicated ( to me ) set of forms to fill out. They have had the application for several months and I have heard nothing. I inquired about the status of my application on XX/XX/23, and was told it is no longer valid. The company now has sent me another application for mortgage assistance which again is extensive and complicated ( to me ) but does not allow me to provide last years federal tax return instead of the numerous forms. It appears the company has changed the rules regarding a loan modification request. I believe this is a violation of mortgage service loan modification. The company is aware that I am a XXXX XXXX XXXX XXXX XXXX veteran ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and has made no accommodation for my XXXX, but has in fact completely disregarded the same. The company has committed at the least, I believe, the following violations.1 ) Refusing to honor or review my loan modification request. 2 ) Not responding to my application for loan modification within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Symphony Bank has improperly used my report. First the payments wasn't going through, they said that they see that I submitted the payment and it was returned due to problems when processing. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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