BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023 I logged into my online banking to check my balance. I notice a entry that was not made by me. I opened up the entry to notice a check ( which I had previously made out to my medical provider ) was made out for {$220.00} and cashed. I contacted the bank and told them what had happened. I followed everything they instructed me to do. I went in to the local branch at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I explained to them what was going on. But was told There was not a branch manager there and the 2 staff members did not know when or if she will be back. From there I went to the XXXX XXXX Police Department and filed a complaint. I was help by XXXX XXXX XXXX, who took my complaint and gave me a crime victim paper. On Monday XX/XX/2023 my sister took me to the XXXX XXXX XXXX. I explained to a a teller XXXX XXXX why I was there and what had happened. She had me to wait and directed me to one of the Branch Bankers XXXX XXXX. I explained to him why I was there and that my account was fraudulently jeopardize. I gave him all information ( Copy of police report, cancelled check front and back, carbon copy of check in question ) and let him know I wanted to be reimbursed. XXXX took all information closed the account and opened me a new checking account with new debit card. From XX/XX/2023 through XX/XX/2023 I have been to the XXXX XXXX Branch or called to find out what was going on, and I can not get anyone to call me back. I called in XXXX and ask for the fraud department. I explained again why I was calling and that I wanted to speak to someone in the fraud department. I spoke to a gentlemen who told me they wanted me to contact the bank where the check was cashed. I told him I was not going to do his job, I wanted my funds put back into my account. I said if you are FDIC bank I should not have to go through this much trouble to have my funds returned. I have been a customer with BMO for over 40 years, and should not be treated this way. I am at my wits end. Please help. Thank you 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 monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. 

XXXX XXXX : # XXXX {$2.00}, XXXX XXXX : # XXXX {$140.00}, DEPT OF ED XXXX : # XXXX $ XXXX, DEPT OF ED XXXX : # XXXX {$4000.00}, DEPT OF ED XXXX : # XXXX {$2500.00}, DEPT OF ED XXXX : # XXXX {$990.00}, XXXX XXXX XXXX # XXXX {$220.00}, XXXX XXXX XXXX # XXXX, US Bankruptcy Court- 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 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX - OPENED ON XX/XX/XXXX - XXXX - XX/XX/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
Consumer complaint received 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mothers assets were put in a Trust account in XXXX, with me as the successor trustee. All documentation was given to Bank of America. Mother passed on XX/XX/XXXX. When she passed, I check with the family attorney to see if I needed to do anything to the trust to move forward with my mothers wishes. I was informed that since I was the successor, I merely had to move forward with what she wanted me to do. 
On XXXX, I went on line to deposit funds into the trust account. Bank of America had placed a hold on the accounts. They said they did not have the trust documents. They needed the original to make sure nothing had changed. On XXXX, I brought them the document and told them to remove the hold. 
This is the third time I have had to give Bank of America the same documents since the trust was created in XXXX. 
I checked on Saturday morning XXXX XXXX XXXX and the hold was still in place. I called back, on Monday XXXX, told them the documents had been delivered and to remove the hold. They asked if I filled out the Certificate of Trust document. I said I was not given any such form. They told me to go back to the bank and fill it out. I went back to the bank, sat there for two hours, while they tried to figure out how to access the forms. 
Everything is signed and documented as the bank indicated. AS of today XX/XX/XXXX, the hold on the account is still in place. 
Something is wrong at Bank of America. The demand that I had to bring the document back in to make sure no changes has been made is ridiculous. I brought the same document back in again. 
The fact that they lost the document three times over the years is horrible. Each time this caused a great deal of frustration and certainly no confidence in the banks digital recording keeping. 
The worst is that preparation for this extreme time of loss was done in advance. To have such an obtuse process when emotions of loss are already high makes it even harder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution.XXXX, XXXX, and XXXX  reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
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 purchased a home it was set to sale on a foreclosure date. 
My home sold before it foreclosured. 
The mortgage company pennymac reports it as a foreclosure/repossession. 
This is not right, I have tried on several telephone calls to have it removed. 
They stated they can report it foreclosured if it went into foreclosure. 
XXXX it was not foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has made a huge error on my escrow analysis on XX/XX/2020 resulting in an escrow shortage of over {$9000.00}, resulting in my monthly payments drastically changing from XXXX monthly to {$3200.00} monthly. I am a single mom with a child trying to provide for my daughter and I'm sorry but I didn't make the mistake of not applying the correct amounts into my escrow account so why my mortgage company is not willing to work with me makes me so confused. This incident is creating a financial hardship for me and I have never been late on a payment. I can't afford {$3000.00} monthly, is there anyway they can extend the escrow shortage because this is not my fault. Since then there has been over XXXX applied to escrow and they are still refusing to adjust the monthly analysis and recalculate to lower that monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
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. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : 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 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 2023-05-23
Company: Elite Recovery Group LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was allowed to get out of my lease at XXXX XXXX  early because of an incident that occurred at the complex. I cleaned the whole apartment for 5 days and had the carpets shampooed with a professional carpet cleaner. I followed all of the instructions on the move out guideline the complex provided and beyond what they required since I had read all the XXXX reviews about the place charging grossly exaggerated move out fees. I took photos of everything and had the maintenance guy look at the apartment before I turned in the keys. I was out on time and left the place better than I got it. I month later I get some fees regarding a violation and the carpet. I disputed the charges with the complex and they only removed the violation. The carpet was not damaged, stained, or torn, according to their own contract, the damage would be considered normal wear and tear yet they decided to replace the carpet and send me the bill. I sent the collection agency a letter disputing the charges and gave them pictures and a copy of the contract but they ignored the evidence and proceeded to ruin my credit. I disputed it with XXXX and they have removed it twice, now I'm disputing it again and want to make a complaint again this gross overreach of unfair and unnecessary charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Maximus Education, LLC dba Aidvantage
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:
This account is not supposed to be reporting according to FERPA. This is what I supposed to be going by according to this law/regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XX/XX/XXXX, Toyota Financial Services charging {$930.00} after 1 month of end of lease return to dealership. 

1 ) At the time of returning the vehicle to dealership, no damages were found after inspection and test drive. The vehicle was returned and a new vehicle was purchased on the same day.

2 ) The dealership did not notify any possible fees on wear and tear as the vehicle was in good condition that they can re-sell. 

3 ) Aforementioned procedure was completed on XX/XX/XXXX, and on XX/XX/XXXX Toyota Financial Services charged {$930.00} on previously closed account without any indication on what it was for. We had to call in to find out that they are charging us for wear and tear. 

4 ) After 3 attempts to get the file in hand as to what they are charging, the damages they claim to be on us were never present on the vehicle returned, which can only lead to 2 possibilities. 
1. The damages were made AFTER the vehicle was returned 2. The damages shown are on a different vehicle There is no logical way to prove that the damages were done by us and thus we dispute this charge, to date, Toyota Financial Services calls us every single day to collect this charge even knowing that we choose to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-21
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer, NelNet, is misapplying my payments to interest and not principal. I have made overpayments throughout the entire " Covid Forbearance '' period, yet my account shows that for 6 consecutive months they applied 100 % of my payment toward interest. I have called and emailed multiple times requesting they audit my account to correct the problem. On the phone, they acknowledge the apparent error and say they will refer my account for review. However, I have received zero response despite waiting months. I have also received zero response from my email inquiries. 

I need someone with the authority to force them to do a an audit of my account and correct the misapplication of payments to interest instead of principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 convergent account has violated my rights. petal 1, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also XXXXXXXX XXXX XXXX  usc 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and transunion

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My information might have been impacted by data breach and my have got into the hands of the wrong person. below i do describe the company and date when the inquiries happened. thanks 1. XXXX XXXX XXXX CO inquiry made XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  inquiry made XX/XX/XXXX. 
3. XXXX XXXX  inquiry made XX/XX/XXXX XXXX XXXX XXXX inquiry made XX/XX/XXXX 5. XXXX XXXX XXXXXXXX inquiry made XX/XX/XXXX 6. XXXX XXXX inquiry made XX/XX/XXXX 7. XXXX XXXX inquiry made XX/XX/XXXX 8. XXXX inquiry made XX/XX/XXXX 9.  XXXX inquiry made XX/XX/XXXX 10. XXXX XXXX inquiry made XX/XX/XXXX 11. XXXX XXXX inquiry made XX/XX/XXXX 12. XXXX inquiry made XX/XX/XXXX 13. XXXX XXXX inquiry made XX/XX/XXXX 14. XXXX inquiry made XX/XX/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
Consumer complaint received 2019-03-22
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I made the payment on time, still show as late on my credit report

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 2023-07-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-23
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Here is a timeline events : XX/XX/2023 - Traded in lease for XXXX  account XXXX to XXXX XXXX XXXX XXXX XXXX, Ohio XX/XX/2023 - Received call from Ally Financial that I was late on paymentI explained that I had sold the car the previous day. 

XX/XX/2023 - Received another call from Ally Financial stating payment was lateI explained that I had sold the car again. 

XX/XX/2023 Through XX/XX/2023 - Received multiple calls from Ally Financial stating payment was XXXX explained that I had sold the car again. 

XX/XX/2023 - called XXXX XXXX XXXX of XXXX, Ohio and they provided the following information about the payment : Check XXXX in the amount of {$44000.00} was sent to Ally Financial via XXXX, tracking number XXXX, received by Ally Financial on XX/XX/2023 at XXXXXXXX XXXX  XX/XX/2023 - I called Ally Financial back and was directed to their collections department where I provided them the information that XXXX XXXX XXXX XXXX XXXX provided me. 

They noted this and I stopped receiving calls from Ally Financial. 

XX/XX/2023 - I checked Ally Financial website for my account XXXX. The balance reported was {$0.00}, listed as paid off and no longer past due. 

The payment was listed as a credit and a debit in the same amount of {$44000.00}. 

XX/XX/2023 - I received an alert on XXXX that I had a credit score drop. I checked and my XXXX score had dropped by XXXX points and I had a 30 Day Late reported by Ally Financial on lease XXXX. 

XX/XX/2023 - I logged back into my Ally Financial account and saw that it was Past Due again with a balance of {$19000.00} and 26 payments remaining. 

I called Ally Financial immediately and was told that systems were down a that they could not do anything. 

XX/XX/2023 - I received two more XXXX alerts that my scores had dropped. My XXXX dropped by 60 points and my XXXX dropped by XXXX points. 

XX/XX/2023 - I called Ally Financial again and spent 3 hours on the phone being transferred to different departments before finally being told that the check had been canceled by the dealer and that I needed to call them. 

XX/XX/2023 - I called XXXX XXXX XXXX of XXXX, Ohio and they began researching the issue further. 

XX/XX/2023- XXXX XXXX XXXX of XXXX, Ohio called me back and stated that the check had cleared and never returned to them or canceled.

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