BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon returning my vehicle in XXXX of XXXX, my car was inspected and incorrectly labeled as only having returned one set of the keys it came with. This was a charge that was wrongly added to my final invoice which I called to complain about and rectify. Ally called the dealership I dropped the car off at to confirm both keys were returned, which the dealership did confirm both sets of keys were left, but still would not remove the additional fees associated.

Additionally, for months on end, I spent countless hours calling and emailing Ally to get invoices that specifically broke down the remaining account charges. The total of the invoices they sent over were not matching up with my final account statement, and the rep that I had been working with at the time ( XXXX ) stopped responding to me entirely. I called and emailed him over and over again and never heard back. Every time I called I was told a XXXX would have to call me back, only to never hear from them again. Two years went by with no word from Ally after I opened a complaint with BBB, and then suddenly at the start of XXXX I began receiving multiple threatening emails and calls about needing to resolve my account statement. I was given the same run around repeatedly and never given any answers or follow up, and then my balance was forwarded to a collections agency, negatively impacting my XXXX XXXX in a very significant way. I have a 100 % on-time payment history and have never run into any issue like this in my entire life or with my credit history, and now my credit has been destroyed from Allys lack of concern or responsiveness to XXXX of their customers.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-21
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've received multiple calls from Penn Credit Corp about a debt collection. When I asked where the collection was from they refused to tell me because I " gave them the wrong address '', I live in XXXX XXXX Florida but the address the debt collector gave to was in XXXX Florida. As I previously stated I've received multiple calls from Penn credit harassing me at early in the morning and also while I am at work. I am XXXX  months pregnant this harassment has caused me a considerable amount of stress, especially when I am unaware the debt they are calling to collect with no clarifications as to whom their collecting on behalf of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. I have received hard inquiries from XXXX XXXX on XX/XX/2019 and XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a debit card dispute on XX/XX/2023 after being denied access to dispute the claim due to multiple attempts by me to file the dispute. Bank of America is refusing to provide the regulation XXXX required provisional credit. It has been XXXX business days and I havent received a provisional credit and the claim is pending to be closed in 60 days per representative at Bank of America. Please see attached picture

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 monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NY
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I provided a letter to TD Bank , N.A . Card Services Department, hereto referred as TD Bank, to dispute an amount that I believe to be in error on my statement. This letter provided my account information, dollar amount and a description of the problem which is requested per the TD Bank Credit Card Agreement, hereto referred as the agreement, and in accordance with the Fair Credit Billing Act ( FCBA ) Public Law 93-495, H.R. 11221 15 USC 1601-1666. After I sent this dispute in accordance with both federal law and the agreement TD bank sent me a letter dated XX/XX/2020. This letter stated that I requested a credit report amendment, however I have not made any requests for such amendment recently. The letter also states to call TD Card Services, customer support at XXXX. I called the number provided as well as used the app to call in and was on the phone for 2.5 hours today XX/XX/2020 without any avail or help with the letter that I received as indicated. 

One representative informed me that the letter was in response to the dispute that I sent in on XX/XX/2020 however the dispute does not mention anything about a credit report amendment. A later representative informed me that the dispute that I sent in on XX/XX/2020 was closed without any action taken because I did not list a specific transaction, however both federal law and the agreement both specifically state that only a balance needs to be provided and not a specific transaction. By not accepting a dispute due to an internal policy is a violation of federal law and a breach of contract. I was untimely transferred more than 6 times and landed with Risk Management who provided me a number to what she called Military Lending Department XXXX which was only a recording of a TD Bank policy and then the line disconnected. I called the Military Lending Department at the number provided several times and it all ended with the phone disconnecting with no option to speak with a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: MD
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:
This is my 17th XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, XXXX, I closed on my home. Since that date, my mortgage has been sold many times. As a result, I have had a number of servicers. My payments have never been late. XX/XX/XXXX, I entered into a Forbearance Plan due to hardship initiated by the pandemic. Just prior to entering into the Plan, I was advised that I had a new servicer. I was advised that no adverse information would be reported to the credit bureaus while in forbearance status. Prior to the end of the forbearance period, I was advised of ( 4 ) options to keep my status in good standing. I opted to exercise the option of a loan modification. The loan modification closed in XX/XX/XXXX. The following month, I was advised by my credit monitoring company, XXXX XXXX XXXX, that Shellpoint Mortgage Servicing had reported adverse information to XXXX, XXXX, and XXXX. Shellpoint Mortgage Servicing reported that I was delinquent in payments. I immediately contacted XXXX and was told that technically I was delinquent because I had not made payment ( s ) during the forbearance period. I tried to explain to no avail that by definition forbearance means that payments will not be made during such period. The XXXX representatives would give conflicting, inconsistent information from call to call. Some representatives would indicate that the reporting was in error after confirming that their records reflect that payments resumed in a timely manner following forbearance. I was told that they would submit my concern for review. Ultimately, I was told that I did not maintain good standing since payments were not made while in the Forbearance Plan. The matter was escalated to their Loss Mitigation Department. The issue was passed around throughout their operation, while my typically high credit score ( s ) plummeted severely. In addition to attempting to address this error in credit bureau reporting, I made a lump sum escrow shortage payment of {$510.00} on XXXX XXXX, XXXX. Subsequently, I learned that Shellpoint applied this payment as a regular monthly installment. I was told that making such escrow payment would not reverse the delinquent report to the credit bureaus. I was aware that these are separate matters. Overall, the servicing provided by Shellpoint has been problematic since inception. I have never experienced such issues with any of the many servicers that I have had since initially closing on this mortgage 25 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 to the fair Credit Reporting Act the list of accounts below violated my federally protected consumer rights to primary and confidentially under 15 U.S.C 1681 US DEPT EDXXXX, US DEPT EDXXXX, XXXX  XXXX, US DEP EDXXXX 15 U.S.C 1681 section 602 A. States that 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 15 U.S.C 1681 ( A ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information other than records or conviction of crime which antedates the report by more then seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) : A person should not furnish any information relating to the consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate

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 2021-12-13
Company: Experian Information Solutions Inc.
State: GA
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:
I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. After reviewing my consumer report, I noticed that there were several hard inquiries on my report which I did not authorize. On XX/XX/ 2021, Experian deleted the hard inquiries from my consumer report which I disputed ( See Deletion Page Attached ). A DELETION is ADMISSION of violating the consumer. The following laws were in violation of my rights as a federally protected consumer under Title 15 Chapter 41. Pursuant to 15 U.S.C. 1602p, my credit was misused. I never gave written instruction to Experian to furnish these hard inquiries to my consumer report ( 15 USC 1681b ( 2 ) ), therefore, for these hard inquiries to be reported, it was identity theft. Experian also allowed these different corporations to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by Experian ( before furnishing the information ), these hard inquiries should have never been reflected on my consumer report pursuant to 15 USC 1681a ( 2 ( b ) ), which states a hard inquiry should be excluded from a consumer report. In response to the review of my consumer report, I have sent Experian an affidavit of truth, an invoice, and a supporting document which they received on XX/XX/2021.

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 2023-08-24
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I ordered a dresser chest from a company called home cinema center. On XX/XX/2022 it was delivered, upon delivery the box would not stand up, opening the box the chest drawers was severely torn, the legs on the chest were broken off as well as the box being severely torn. I tried contacting the company with no response. After the company received a chargeback, I began receiving harassing and defamatory emails. I contacted Paypal credit to get help on XX/XX/XXXX, to file a dispute. I asked the representative where do I send the pictures showing the damaged merchandise. I was told that, that was not necessary on XX/XX/XXXX PayPal credit sided with the merchant without notification or any update. On XX/XX/2022 I spoke with a supervisor that instructed me to upload all supporting documents and pictures. In which I did via message center through PayPal as well as by fax. I am now out of the merchandise and being billed for merchandise that I do not have.

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 monetary relief
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a credit card in Bank of America and the system said we ca n't know your credit score and credit history on the same time I summit my application I do n't know why and they refused me, now the problem is they did hard inquiry in my credit report. It will appear 2 years in my credit score for the system fault. It 's not my fault can you please dispute the inquiry. It happened in XXXX XXXX, 2017. Thanks.

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 2023-08-24
Company: EQUIFAX, INC.
State: NC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: STERLING JEWELERS, 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 information incorrect

Complaint:
Account is closed and paid in full to Collection agency on XX/XX/2022. This account was in fact, fradulently opened, but because I am done with the back and forth, I paid the small balance of {$250.00} in full. I was told by XXXX XXXX XXXX that I would have this debt/collection removed immediately after receiving payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: PLANET HOME LENDING, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage is with Planet Home lending ( purchased from XXXX ). We have been paying down our mortgage principal through our monthly payments. I have requested that Planet adjust our monthly payment amounts owed for this reduction in principal. They have refused by stating '' the investor does not allow this ''. I do not see this requirement in my mortgage terms yet their customer service says that this can not be changed. I have tried several times to reach senior executives and only get form letters. Phone calls are not returned, when you are able to find contact details as these will not be given to customers. 
By not reducing my principal outstanding Planet is charging me interest on a larger amount that does not exist, this creates excess income for them at our expense. 
There are other issues that they do which are not in my terms but again customer service can not explain or adjust.

Company response to consumer: Closed with explanation