BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: ALLY FINANCIAL INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summary : Ally XXXX  is erroneously charging us for property taxes that are not assessed by XXXX XXXX. Repeated discussions with their people, and referrals to their Escrow department to double check, have been ineffective. With this mistake in place Ally Mortgage is raising our monthly escrow payment by nearly $ XXXX, which we will not pay and they have been unable to correct. 

Our home property taxes to XXXX XXXX, WA are {$8900.00} annually, payable by XXXX installments, XXXX in XXXX and XXXX in XXXX each year. 

We received an Annual Escrow Account Disclosure Statement from Ally Mortgage, dated XX/XX/XXXX. This statement indicates that XXXX separate disbursements were made from our escrow account in XX/XX/XXXX, XXXX for {$4400.00} and a second one for {$3500.00}. Both payments were described as being " XXXX. XXXX  '' payments. The {$4400.00} payment is the proper amount owed, a XXXX XXXX treasurer statement dated XX/XX/XXXX showed that {$4400.00} was received and credited to our account, and NO further taxes were due by us until XX/XX/XXXX. 

The {$3500.00} amount that Ally disbursed from our escrow account. is NOT ours to pay. XXXX XXXX treasurer did NOT receive a payment of {$3500.00} for our account. I have spoken with them about it and they verified they did not receive that. 

On XX/XX/XXXX at XXXX PST I called Ally Mortgage at XXXX. I explained the situation to the customer representative and she said that the Escrow department would research this and send me an updated statement. 

I did receive an updated statement and it still indicated this bogus {$3500.00} charge. 

On XX/XX/XXXX at XXXX PST I again called Ally Customer Service and spoke to a gentleman about this issue. I asked him who this bogus payment of {$8500.00} was paid to and he said it was paid to XXXX XXXX. XXXX XXXX denies that they received a payment in this amount for our account. After several minutes of wrangling he said he would personally look into this and call me back. 

As of XX/XX/XXXX I have received no further response from Ally bank and have decided to file this complaint. 

Until this is resolved I have canceled our AutoPay to Ally XXXX. Payments will be made by a mailed check that will continue principal, interest and escrow payments made before this error was introduced.

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 2022-08-02
Company: Experian Information Solutions 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 with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 2022-08-02
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended a XXXX XXXX XXXX university from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. My dad was the breadwinner of my family, and he took out loans as my cosigner from Sallie Mae. I was the first child to go to college. 
1. He used the " loan amount calculator '' that their platform provided, which was supposed to generate a recommended loan amount based off of my specific university that I entered in, and then he used that number to then take out my loans. The calculator was absolute XXXX, and the number it provided us was {$7000.00} MORE than what tuition at my university costs. 
2. My dad then died, very unexpectedly and tragically, in the middle of my college career on XX/XX/2020. I sent Sallie Mae his death certificate, and spent literally TWO HOURS on the phone, during my work day, to try and reach a live person somewhere to help me figure out what my next steps were, only to learn that SALLIE MAE EXPECTS SOMEONE WHO COULD ONLY TAKE OUT A LOAN WITH A COSIGNER, TO COMPLETELY REPAY, IN FULL, ON A NORMAL TIME SCHEDULE, THE TOTAL AMOUNT ALONE IF THEIR COSIGNER DIES. Although I can not take out a {$5000.00} loan in my name, at XXXX XXXX XXXX I am expected to pay back over {$50000.00} in loans with no protocol, no exceptions, and no forgiveness. Not only have I had to endure the horrendous loss of the most important person in my life, but now I am fighting for my own life as well against a company that is nameless, faceless, and an absolute scam. It is predatory, it is abusive, and at the end of the day, I am at a loss as to how they are still legally allowed to operate in the US. I will not rest until I, and other college students around the country, are given justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: AES/PHEAA
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:
In XX/XX/2022, my student loans were transferred from FedLoan Servicing to XXXX. It is now 6 months later and the XXXX account is still showing as open on my credit report, which is severely impacting my ability to obtain a mortgage because it doubles my debt to income ratio. I have disputed this with XXXX, without results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This is a business account reported on my personal account Sunrise Credit Services XXXX Reported XX/XX/2022 Update XX/XX/2022 In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my federal protected consumer rights under 14 USC 1681 15 U.S.C. 1681 section 602 A : states I have a right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any if 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 2023-01-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I tried applying for a credit card with Amex and they sent me a denial letter stating they couldn't approve me an account because they've previously closed my account. I've never opened an account with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I submitted a complaint to Chase on XX/XX/XXXX and followed up again on XX/XX/XXXX. Both times I was assured I would receive a response with in 7 days. I have received no response from Chase. I was given information by two representatives at Chase about my credit line that is not in line with the action Chase took on my account. The reduction of my credit line has had a negative impact on my credit score. See below : XX/XX/XXXX Hello. I need to escalate an issue with my account. On XX/XX/XXXX, I spoke with a woman in the lending department to do a review of my credit line. After reviewing my credit report in depth and asking me many questions, she said there would be no change to my limit at this time. On XX/XX/XXXX my limit was decreased. On XX/XX/XXXX, I called back and spoke to another woman who was short and unhelpful. Told me to call back Tuesday because the system was down. On XXXX, I called back and spoke with XXXX. He again reviewed everything in detail, pulled another credit report, and told me my limit was being restored immediately. He apologized for the prior issues. I explained to him that I received a bonus and paid off almost all of my debt. I was also in the process of closing out accounts I don't use. I stopped doing that once the limit was removed because I don't want to find myself with no available credit. On XXXX, I looked at my account and the limit has not been restored. I called back and spoke to XXXX. She said she would escalate it and said that XXXX must not have the right authority to process it in the system so someone else has to do it. On XXXX I got a letter saying the line was not being restored. I don't understand why I was given so much conflicting information and promised twice that my line would not be impacted. I would like a manager to call me and for my line to be restored ASAP. Please listen to all the calls, because when I called today XXXX told me there are no notes about any of this, I'm declined, and he would transfer me to the escalations department to leave a message. Basically, he insinuated that I was making all of this up. I told him to transfer me, but of course there is no option to leave a message. Again, bad information provided. I will be filing a CFPB complaint today about this if we don't get resolution. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: CA
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$740.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: OH
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:
Several accounts showing on credit file Have been disputed with equifax but yet not removed. Equifax and creditors have failed to be able to prove proof of ownership of list of creditors. None of the on file information matches my information but yet fail to be removed. The following accounts need to be removed from file XXXX XXXX acct # XXXX XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXXXXXX bank act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX  act # XXXX All of above accounts are not mine. These accounts have failed to provide proof of ownership. These must be removed from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Credit Reporting agencies improperly reported information on my consumer report. The information was disputed and the results came back from the agencies as " Verified '' but still showing incorrect information and shows they did not conduction a " Resonable '' investigation as required by the FCRA. The account is a collection yet showing a past due, also payment grid showing incorrectly.

This is a violation of : 15 USC 1681e ( B ) - Maximum Reporting Accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy I have uploaded the Investigation results as proof of the poor investigation and inaccurate reporting.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please produce the contract used to verify these accounts because I have none with them and the information you have is inaccurate. Additionally, I called the furnishers and they don't have any proof the accounts belong to me. They realized they reported the wrong information to my file and agreed to remove it. Please remove them instantly! 

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 explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
I have been a victim of the Equifax breach and will like to have this accounts remove immediately XXXX XXXX- XXXX - Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with a representative on more than 2 occasions filed a dispute by letting them know I never authorized any one to run my credit. They submitted a dispute but some how it came back verified and the credit reporting agency never removed the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a number 3. You ( Equifax, XXXX, XXXX ) assumed this role without permission. Not only that, you did not have my consent, you guys did not respect my right to privacy which is under 15 USC 1681a number 4. You did not exercise your grave responsibility. You were unfair and you were partial. I have already taken the liberty to file a CFPB report and an Attorney Generals complaint. You never had permissible purpose under 15 USC 1681b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What Im demanding is that you delete inaccurate information such as ALL inquirys and XXXX XXXX account it says the account was charged off in XXXX. 90 days late in XXXX and closed in XXXX. How can that be? The entire account is inaccurate, on Equifax, XXXX, and XXXX and has been for 2 years and has caused me serious harm. See attachments as proof. 

( 2 ) The term serious harm means any harm, whether physical or nonphysical, including psychological, financial, or reputational harm, that is sufficiently serious, under all the surrounding circumstances, to compel a reasonable person of the same background and in the same circumstances to perform or to continue performing labor or services in order to avoid incurring that harm.

Source : 18 USC 1589 ( c ) ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports |

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
so we requested for currency change to get XXXX dollars a week before XX/XX/XXXX from our td bank. so when we went for pickup they give us XXXX XXXX dollar they took our td bank debit card for transaction so the employee of the bank gave us the money and said we all ok we count money in front of her twice and everything was good they give us receipt and we went home. so now after XXXX  months all of sudden on XX/XX/XXXX they took XXXX $ from my checking account without notify me and without giving me any reason so when i saw my XXXX $ debited from my account i called td bank right away and they give me the excuse that they didnt charge us full amount for the currency exchange which i dont even remember how much they took from my account on XX/XX/XXXX XXXX i approach the bank and tried to talk to manager the manager wasnt there so it took me two or three times to meet the manager so when i talk to manager they give us this self written by pen that they didnt charge XXXX $ they write that it supposed to be XXXX and they charge us XXXX $ i am feel like i amscamed that they just took my money from my account without no mail email or phone was recieved and they said they can do that without any notification i am not satisfied with their service because if i didnt pay them the exact amount which they took by themself from my card they usualy charge within a week how come they didnt realise they didnt charge me the full amount after XXXX months. i am not satistfy at all so i would like to get my money back i am not working hard to pay them for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that is serviced by XXXX Bank. In XX/XX/2021 there was a freeze inTexas due to power outages. We have been trying to restore our house and move back in. Every check given to us by the insurance company has been meet with resistance by the Loss Draft Department within XXXX Bank. Needing the Insurance adjusters claim information, inspections, delays in receiving funds while they held them, requiring numerous calls to the Loss Draft Department and being on hold for 20-30 minutes before speaking with someone ( calls usually lasting 45 minutes to an hour ).

The last check received by the insurance company to finalize the construction has been held by the Loss Draft department for over 2 months. I have made 5 phone calls, again on the phone for hours, to hear they were releasing the funds and the monies never being released. In the interim I've had numerous contractors threatening liens on my property. i've elevated my dismay to the supervisors and now upper management. 

While I'm writing this, I've been on the phone with them for over an hour. IF I HAVE RESOLVE, THIS NEEDS TO BE STOPED AND THEY SHOULD BE REPRIMANDED FOR THEIR ACTIONS.

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