BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I originally refinanced with XXXX XXXX XXXX XXXX ( NMLS # XXXX ), Loan amount {$140000.00}, 30 yr., VA IRRRL XXXX 2.75 %, PITI {$930.00}. 

My first payment was sent with an extra principal payment of {$360.00} for a total of {$1300.00}. The loan was transferred to a servicer Paramount Residential Mortgage Group , Inc. ( NMLS # XXXX ) XX/XX/2020. 

My servicer disclosed the same loan amount of {$140000.00} and noted that I was in default on my first payment. I notified PRMG of the discrepancy and put out a trace from my bank on the payment made through online banking. XXXX  XXXX XXXX has confirmed that the payment has cleared. Check XXXX {$1300.00} ( extra principle of {$360.00} ) was mailed to XXXX XXXX XXXX XXXX for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/2020.The payment was applied on XX/XX/2020. After notifying XXXX XXXX XXXX, a payment with an initial escrow balances collected during settlement was sent to PRMG. PRMG has misappropriated the first payment of {$930.00} plus the extra principle payment of {$360.00} and has not corrected the balance. 

I have since sent two additional payments for XXXX and XXXX, {$1300.00} & {$930.00} respectively. Check XXXX for {$1300.00} ( extra principle of {$360.00} ) was mailed to Paramount Residential Mortgage for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/XXXX, XXXX payment was applied on XX/XX/2020. Check XXXX for {$930.00} ( no additional principle ) was mailed to Paramount Residential Mortgage for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/XXXX, XXXX payment was applied on XX/XX/XXXX, XXXX.However, PRMG is still showing that I have an outstanding balance. Additionally, the outstanding loan amount is also incorrect as payments have been misappropriated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX of XXXX, I received an email saying I was opening a Bank of America Account, but I did NOT open the account. I called and was told that someone was trying to open an account in my name. The account was stopped and I was told that they would prevent someone from using my information to open an account. On XX/XX/XXXX, of XXXX, I was informed that an account was OPENED and I did NOT open the account. I called Bank of America again, and they said that they stopped the account from being used, and that my information could NOT be used to open an account with Bank of America. Again, today XX/XX/XXXX, I have received another messaging indicating that I have successfully OPENED a bank account with Bank of America. I have called, and will be calling again tomorrow, as they have closed operating hours right after the account was opened. I have NO idea who I need to contact, but apparently Bank of America does not have good identity proofing, and clearly are allowing people to open accounts after already assuring me that they had preventions in place to STOP it from happening. I would like BOA to improve their fraud handling so that when they say they are preventing any account from being opened with my personal details that they in FACT actually STOP it from happening. I do NOT bank with them, and will NEVER bank with them, as they clearly are not protecting my information, even after XXXX calls to prevent this from happening again.

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 2021-02-26
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX Card, XXXX XXXX XXXX, and Nordstrom/TD Bank USA. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SANTANDER HOLDINGS USA, INC.
State: MS
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Foris DAX, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, Over {$12000.00} in crypto was stolen and withdrawn into an external wallet via my crypto.com account. They refuse to do anything about it and say that someone had access to my account therefore they can not do anything. I DID NOT make these withdrawals and didnt approve them. 

Please can you help or investigate the matter? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
I revived a email saying my card was over the balance I went to Capital One ATM machine to pay the bill. It would not allow me to pay the full amount because the balance was incorrect, yet they keep declining my purchases and changing new fees for this. I have repeatedly ask them to keep my balance current, however they seem to just ignore me and continue with the same process. However when Im asking for an increase in my account they use the fact that Im always overdrawn and they cant do anything about that. Yet I pay them on time every month and its still not enough. This is how these big companies do to block you from getting the credit you deserve. This has been an occurring practice for them, which is totally unfair to me as a consumer. When will yall really start working for the consumer and not the big companies. Otherwise we will have no win

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing about the discrimination by Bank of America and XXXX XXXX who are about to move forward with actions against the lawful financial activities of lawful American gun businesses to try and destroy them. This should not be allowed to happen under the law of the land The United States Constitution.

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 2023-08-10
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, My name is XXXX XXXX XXXX. I am a consumer who currently resides at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in XXXX XXXX XXXX I am writing this because I, XXXX XXXX XXXX, Consumer did not give XXXX XXXX XXXX XXXX written instructions or consent to communicate with I, XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

This information is true and correct to the best of my knowledge.

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

Complaint:
Updated information & documents. 

XXXX XXXX XXXX  XXXXComenity Bank  violated my federal rights and placed an unauthorized inquiry on my credit report. 

see attached document Comenity Bank dispute notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
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:
These accounts and inquiries are not mine they was made without my permission, consent, inquires. JPMCB Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I see these accounts that were not made or authorized by 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 2021-10-11
Company: Experian Information Solutions Inc.
State: AZ
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:
There is a XXXX account i have fought multiple times, keeps getting closed or removed and then sold to other companies, i provided this info to all 3 credit bureos and experien was the only one giving me trouble and wouldnt remove it from the account, they make it really hard for credit repair and take way to long to update it, i disputed XXXX ( for XXXX  ) and they did nor remove it even though the accoun is closed and removed from XXXX and XXXX ( proof provided )

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I respectfully urge XXXX and the major credit bureaus to promptly cease the inclusion of the specified entry in my credit report. It is my earnest request that you not only take immediate action to rectify this matter but also emphasize the importance of adhering to the laws established to safeguard American citizens from the practices of aggressive debt collectors and to ensure equitable conduct by credit reporting agencies. 

The detailed entry pertains to the following information : Creditor : XXXX XXXX Account Balance : {$12000.00} Account Status : Negative Round 3 Sent Account Number : XXXX Account Status : Closed Credit Limit : {$0.00} Highest Balance : {$27000.00} Payment Amount : {$0.00} Last Payment Date : XX/XX/XXXX Term : 76 Months Account Description : Individual Opened On : XX/XX/XXXXClosed On : XX/XX/XXXX Last Reported On : XX/XX/XXXX Days Late : 30 : 0 | 60 : 0 | 90 : 0 Payment Status : Collection/Chargeoff Amount Past Due : {$12000.00} Lowest Credit Rating : Not Specified Remarks : Account charged off as uncollectible debt Write-off : Classified as a loss in profits In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent. 

I kindly request your full cooperation in addressing this matter with a sense of urgency, while ensuring strict adherence to the pertinent consumer protection laws. Your commitment to rectifying this issue and upholding the principles of fair and lawful conduct is greatly appreciated.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has a credit card on my report stating that I opened a card at my current address when I never did

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 2022-04-11
Company: Complete Credit Solutions, Inc.
State: DE
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 have been a victim of identity theft and reached out to Complete credit solutions and explain to them that this is not my account and I have sent in documentation from the Federal Trade commission stating that this account has been fraudulent and it needs to be deleted off my account. What they are doing is against the FCRA. Its also illegal to report false information on my credit file.

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 2022-04-11
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to purchased goods and service from XXXXXXXX XXXX without my notice and authorization. I was never aware of the account till collected sending me statement collecting the amount they said I owed to them. I never open such an account, and I didn't authorized anyone to open the account. I have not benefited from the service and up to date I didn't know who opened and benefit using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Complaint summery Trans Union has failed to respond to written disputes in 30 days. Trans Union has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.

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 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/21, I applied for what I thought was a CapitalOne Quicksilver card. 

On XX/XX/21, I discovered an annual fee on the card, which was a surprise. I called CapitalOne and spoke to XXXX.The Quicksilver One and the Quicksilver look visually nearly identical ( gray with concentric circles ), and apparently, I clicked the one with an annual fee in lieu of the one without. He did not waive the fee nor allow me to upgrade the card. I called later and spoke to XXXX at CapitalOne and he said I would have to close the old account and apply for a new one. 

I then spoke with XXXX from the new applications team. We went through the application process, only to end with a decline of my application. My credit score is impeccable, unsure why I'd get declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed the XXXX XXXX at the end of XX/XX/XXXX, it is now the end of XX/XX/XXXX. I have received 4 notices ( I have had the truck for 6 months ) from MAS Financial Services claiming that MAS Financial Services is not listed as the Loss Payee on my insurance, which has been current since the day after I purchased the vehicle. The notice also states that if I do not fax a current declaration page within 7 Days they will add coverage and charge my account, Increasing my monthly balance. After each one of  these notices I have contacted my insurance agency XXXX XXXX XXXX and they have confirmed that MAS Financial is listed as a Loss Payee. XXXX XXXX XXXX even let me know that MAS Financial returned an acknowledgment in return stating that they received the Declaration Page. I should not be harassed by MAS Financial on almost a monthly basis into sending them a current Insurance Declaration Page ( that hasn't changed and is still current ). MAS Financial is betting on the possibility that I ( XXXX Year old young man ) may not deal with their threat, in order to get more money out of me. In addition the notice I received Monday XXXX had a falsified date on it of XXXX, the same date as the notice I received the month prior. I am only attaching 3 of the 4 notices I received as I have misplaced the original notice i  received just after purchasing and insuring the truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a auto loan through GM Financial for 4 years one payment was made late during that time. InXX/XX/2016 the company pulled several payments out of my bank account at once. Three payments to be exact. They took out the current month and two additional months payments. My bank pulled back the funds and  investigated, They found GM Financial to be at fault. In the meantime the company repossesed my vehicle. It cost me a large amount with towing fees and storage fees and additional fees from GM Financial I got my vehicle back. Several thing were broken in my truck from the tow company. After all this they apologized I thought I will do my best to get out of the loan and away from this financial company. Now they have listed numerous late payment that were not there before and they are not reporting to any credit agency any payments or correct balances on my loan. ( Not reporting on anyones loans ). I recently went to purchase a new vehicle and was unable to. This company has me hostage. I called again today and was told there is nothing that can be done and they will not be reporting anytime soon. What are my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief