BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In XX/XX/2022, I sent a certified letter to TransUnion to investigate how they are reporting a payment status on a closed account. They did not respond so I sent a follow up letter in XX/XX/2022. I received a response that they " verified with the creditor that it is reporting correctly ''. I believe this to be a ridiculous response considering, 1 ) The account is CLOSED and was paid in full 2 ) The payment status is not reporting inaccurately because of the creditor it is the way TransUnion is reporting it 3 ) A payment status is to report as the " CURRENT '' Payment status. 
4 ) They are reporting a derogatory payment status on a paid in full closed account. TransUnion is reporting it as ; '' 30 Days Past Due '' The account is closed and paid in full. THEREFORE the Payment Status should read " PAID AS AGREED '' This is an FCRA VIOLATION- and if not corrected I will pursue legal action for their blatant disregard for the law. This is harmful to my credit score and is completely inaccurate. Ive included both certified letters, as well as a copy of my credit report with the inaccurate information highlighted.

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 2023-03-08
Company: ALLY FINANCIAL 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 XXXX account # XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 it also state a consumer agency can not furnish my account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card on an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is an old account that has been paid off and closed years ago. It is being illegally reported and I would like it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 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 2023-03-01
Company: Experian Information Solutions Inc.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX CT XXXX, GA XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 section 602 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
YOU STATED THAT YOU ARE STANDING BEHIND IN THESE FORGED DOCUMENTS THAT WERE SENT TO ME. THE DEPARTMENT OF FINANCE & TREASURY AND THE MODIFICATION WAS DONE IN 2018. THOSE DOCUMENTS I SENT THEM TO A FORENSIC LAB AND THE OPINION OF THE LAB STATED THAT THEY WERE FORGED DUE TO THE HORIZONTAL AND VERTICAL LINES INDICATING FORGERY. A DOCUMENT WAS PLACED ON TOP AND TRACED OR FREEHAND TO THE PAPER AND COPIED. NOT MY INITIALS OR SIGNATURE. I AND MY LEGAL ADVISOR STAND BEHIND THESE FINDINGS. AND XXXX XXXX DOES REFINANCES AND LOANS AND IS NOT BACKED BY THE GOVERNMENT OR THE VETERANS ADMINISTRATION.

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 2023-02-18
Company: EQUIFAX, 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:
I am a natural person, I am a living human being i have right under 15 USC 1681.

Equifax is govern by the 15 usc 1681. and they violated my right numerous of times I demand the account listed below to be removed because according to the 15 usc 1681 : i have the right to privacy and i did not give Equifax written permission the furnish these accounts accounts : XXXXXXXX XXXXXXXX XXXX XXXX Balance {$7000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Total balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX  Balance {$930.00} Balance updated - XXXX XXXX XXXX 
Original creditor XXXX XXXX Balance {$810.00} Balance updated- XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$280.00} Balance updated XX/XX/XXXX 13inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I had to file a second claim for unemployment as many people did during the pandemic just to find out somebody else has controll of my personal info and has. Changed bank information phone number even address which was surprising because even i could not do so when I moved with out changing my address on the front of my cA identification card.needless to say i was very upset to find XXXX XXXX dollars of insurance benefits where siphoned from my cA. Benefits through the BANK OF AMERICA XXXX paid XXXX XXXX card finally after being able to prove my identity which wasn't easy luckily I had the assistance of a few case managers assisting me with other aspects of my life or i still would be getting taken for everything.now over the course of about a year getting the e Information that the bank needed to file the claims " correctly '' was very slow paced and frustrating now the bank after returning not even half of the money I feel they practically gave away .i Feel because it was re.lved in a way that should have been reflagged at some point thousands every other day i have control of the account now and still have to give personal info to a live. Customer service agent just to swipe the card in a store and second time to pay for parking and it gets locked for my protection so I'm safe from being able to get my car out of a underground parking lot of the store i just made purchases from up stairs but some how not from getting reimbursed for the money

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 2022-12-12
Company: EQUIFAX, INC.
State: AL
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 XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023. My bank allowed a third-party access to all my funds on a personal account and basically left my personal checking account on XXXX balance without notifying me and they did not have a court order to do this on my name. They did have a court order on a business account that I no longer have but this was not a business account and was not under my name only. Also, the last deposit into this account was that of my husband 's tax return check in the amount of {$9000.00} which was deposited two days before they froze the account. That is my husband`s The bank is refusing to release the funds bank to me even though they do not have a court order that states that they can dip into a personal account. Like I said the business account that they could have access to is no longer active and the bank shuld have never gave them access to a personal accunt and allowed them to to more than {$12000.00} and they are refusing to give then back to 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 2023-02-27
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted an application for Maryland 's HAF program. Pursuant to Md Law if a borrower has a pending application for HAF the servicer can not move forward with the filing of the Final Loss Mitigation Affidavit which starts the path for mediation and ultimately the foreclosure action in court. I notified the servicer, Planet Home Lending in XX/XX/XXXX, that I had a pending application via email. I then issued a written Notice of Error letter stating that I had an application pending. That letter was dated XX/XX/XXXX, and confirmed received by Planet Home Lending on XX/XX/XXXX. Despite this fact, Planet Home Lending filed a Final Loss Mitigation Affidavit on XX/XX/XXXX, which has started the foreclosure process to move forward. All in violation of Maryland law and the CFPB guidance for servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Ready Capital Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX sent my mortgage company XXXX payments that shows they been cashed and only XXXX of XXXX payments has been applied to my mortgage. I have made several phones calls with my mortgage company and my issue still not resolved. 

Missing payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got Solar Panels through XXXX XXXX XXXX, XXXX and they used the finance company GoodLeap , LLC. The XXXX Panels were installed but never activated and the permit was not taken out with the City. I've learned that XXXX XXXX XXXX, XXXX company has went out of business. At this point I've reported this to GoodLeap which is looking into the situation however they keep charging my bank account with a my monthly loan amount and sound unwilling to stop it until they figure out my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: General Motors Financial Company, Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
GM FINANCIAL LEASING ACCOUNT # XXXX RE : XXXX XXXX XXXX  XXXX XXXX LEASE My father, XXXX XXXX, passed away XXXX. He did not have a will, a trust or any other type of estate planning in place. I sent GM Financial his death certificate several times by fax or e-mail until they finally marked his account as deceased. I attached a cover letter showing my intent to buy the car once the account had been properly notated as deceased. My cover letter stated clearly I had been working with the dealership. 

Before the account was notated I had received phone calls and requests from customer service when I called to pay the account current. I refused to do that since I am not on the lease and did not trust them due to the problems they had in marking the account deceased. 
They offered and assured me that if I brought the account current I could assume the lease with no problem and bypass the dealership. The monthly payment was {$170.00} and the mileage is XXXX  miles. The only thing was that I make the payment, wait for it to post and then call back to the lease assumption department at XXXX. I called and talked to XXXX and XXXX and was told that I could not assume the lease since there was no will or trust set up for my father prior to his death. 

After going back and forth and challenging as to why I was told I could assume the lease with payment I asked for my money back. They told me to get an attorney if I wanted my money back. 

The payment I made of {$530.00} was stolen outright from me by the lies and promise that I would be able to take over the lease. I never at any time signed a contract with them and was not on the lease. It was beyond deceitful and deceptive that they got their account current and did not care who they got the money from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: First Credit Services Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX opened an account w a bill collector for me and Ive never received a letter about the debt being owed. Its with first credit services with a balance of {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During COVID I tried multiple times to get assistance with my checking account due to an ongoing financial domestic abuse issue and me not being able to understand some of the details of transactions. After my bank location closed and the next nearest branch was operating a skeleton staff I was unable to get the assistance I needed. Near the the last 2 months I was turned away with representative stating it was past the time they could do anything about the overages, charges I didnt authorize, and the holding of a deposit from the State of.California. So completely frustrated I drove to XXXX XXXX where I opened my account to hopefully get assistance there but found out my bank representative retired. I spoke with another person and after her not responding with any understanding I said forget it and I left. I found out upon arriving home she with out my authorization closed my account. I am upset because I couldnt reconcile my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: FIRST HORIZON BANK
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This mortgage company is sending me notices that they are about to foreclose on my house. They are telling me that I am behind XXXX payments. This is totally untrue. Please see Exhibits 1-4 I can not not make heads or tales of their mortgage statement In one place there is a deferred balance of {$10000.00} I do not know why that is the case. 
That's almost XXXX months of payment. I paid XXXX months of reduced payments of XXXX for XXXX months. That does not add up to XXXX, XXXX XXXX part says the last payment they received was in XX/XX/2022 ( transaction activity ) Recent account history says I've paid through XX/XX/2022 Then Transaction history on the back is showing payments that is far too confusing I have paid them the full amount except for the 4 months that I was on a trial period and paid {$2100.00} They have me in loss mitigation and I do not know how to get out. I do not owe them the amount they say I owe and their Third party XXXX XXXX is the worse. I can not get them to give me an accounting for XXXX when they took over the mortgage. This has been a nightmare since First Horizon and XXXX took over. This should be a class action lawsuit since I know I can not be the only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting on XX/XX/2023, I have had multiple fraudulent deposits entered into my accounts and then reversed out to an XXXX XXXX or the checks were returned, therefore causing my checking account to now be negative. 6 bill payments were fraudulently reversed to XXXX XXXX Mortgage and XXXX XXXX XXXX dating back to XXXX that I did not authorize. I can get no assistance from USAA on this fraud activity. They continue to state that I personally did all of these things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Southwest Credit Systems, L.P.
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:
XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.

Company response to consumer: Closed with explanation