BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
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:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the XXXX XXXX XXXX XXXX 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax and XXXX have listed professional finance in first point as a collection online reports with them. This information should be removed by now as I have mailed certified letters to the corresponding companies. There are zero collections on my XXXX report therefore there should be zero collections for XXXX days and Equifax. 

XXXX certified mail numbers XXXX XXXX arrived around XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2018-09-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been writing and complaining about my loan with Rushmore management. All of a sudden my monthly payment went up from XXXX to XXXX dollars. They said it was due to taxes and escrow. I objected and said I would rather pay my own taxes for which I made a XXXX dollar payment to VA department of taxation. 

Calling Rushmore is useless. The people who answer are either in the XXXX or elsewhere. Each says something differently. In the month of XXXX I was in XXXX, CA and even though I had asked whether Rushmore had an office there, on the phone they told me it is just a PO Box . Well, I went to a building and No it was not a PO Box but a few story company there. I asked to meet someone. Finally a lady by the name of XXXX XXXX came and I talked to her at length and told her of my grievances. I also paid an amount of XXXX which had remained from the XXXX dollar payments i had made. I also told her that I think it is absolutely ridiculous and highway robbery that after making nearly 2000+ a month since XXXX on a loan of XXXX, I still owe Rushmore which is now the new lender or service loan XXXX plus some XXXX in late fees!!!!! I have paid over the years more than XXXX on this loan and still owe apparently XXXX!!!! How much do these people want? 200 percent on their investments? or XXXX?!!! 
I have asked in various letters and complaints that I want this balance down and the monthly payment to be reduced to an amount that I can afford. I emailed Ms. XXXX two times since I met her and have left her 3 messages on the phone. She has not even bothered to return my calls. Ms. XXXX also told me that Rushmore is changing the amount to a lower amount as I paid the taxes. But what I get is the same amount and in fact the last statement was for 5000+. I want a total change on this loan and I want Rushmore to provide answers and return my calls. Otherwise, they are considered UNPROFESSIONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
My name 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Huntington bank has not released a paid off lien on my house from 2009. The verification of mortgage satisfaction was never filed at XXXX count records. This is preventing me from refinancing my current loan from XXXX XXXX  to XXXX XXXX. I need your help to get Huntington to create a Mortgage lien release and file it with XXXX County in XXXX PA. I have emailed and faxed Huntington and all they say is " Paid Real Estate has received your request, our service level is 15 business days. A Title search will need to be supplied, the customers name, account number if known, and address for release. If the loan is an old merger/acquisition loan you MUST provide proof of payoff before the release can be prepared. Requests are completed in the order received ; if you don't receive a response to your inquiry within 15 business days please send a follow up email marked " Urgent ''. Only send the Urgent email after the 15 business days have been exceeded ''. 

This is what I sent them : Hi can you please send me a Leon release letter for my hose loan that was paid off 7 years ago? 

Im trying to refinance and my verification of mortgage satisfaction was never filed at XXXX count records.Please send me this verification and file the release with XXXX county. Please call me if you have any questions. Please do this today so I can close on my house. 

I suspect they are short staffed, improperly trained or inadequate automation. Please help me. Thank you XXXX XXXX XXXX XXXX XXXX, XXXX PA. XXXX. Cell XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2022-10-19
Company: ACIMA CREDIT, LLC
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:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: ALLY FINANCIAL INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Recently, the last month or two, Ally Bank has been very difficult to reach. I have banked with this company for over 10 years and they have always been immediately available or with wait times less than 10 minutes. However yesterday ( XXXX XXXX ), I wanted to replace my lost debit card. The first call cut off after 47 minutes of waiting, the second after 50 minutes of waiting. This morning ( XX/XX/XXXX ) their estimated wait time, at XXXX am, was 75 minutes At least today, they offered to call me back. It has been over 30 minutes and I am still waiting.

I realize that this is not an emergency situation. However, if I was traveling or some other dire occasion, what would I, or any other customer, do? There is a place on their website to 'lock ' your card. Shouldn't there be a place to request a lost or stolen card? I am sure there could be enough safeguards for that. At the very least their call time response needs to improve drastically. And dropping calls is not on my end, my phone never drops calls. I plan to find another financial institution in which to place my 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 explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 explanation
Consumer complaint received 2022-10-19
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
STARTED SAVINGS ACCOUNT IN. IN XXXX OF MANY WITHDRAWLS STARTED COMING OUT OF MY XXXX XXXX ACCOUNT FROM CREDIT KARMA. XXXX XXXX XXXX XXXX AND MANY XXXX DOLLER WITHDRALALS. WHEN I TRYED TO STOP THEM RELEAZED THE PHONE NUMBER TO ACCESS ACCOUNT HAD CHANGED. XXXX TRACKED MY PHONE TO THE SAME AREA WERE THE MONEY WAS TAKEN OUT AT A XXXX STORE. AFTER MOUNTHS OF DISPUTES AND TRYING TO GET THE NUMBER OFF MY ACCOUNTTHE MONEY WAS GONE MANY CHECKS BOUNCEED AND OVER XXXX IN FEES. XXXX XXXX FILED COMPLANTS CREDIT KARMA REFUNDED AND 1 WEEK LATER THEY TOOK IT BACK. IT TOOK 4 MOUNTHS TO GET THE PHONE NUMBER OFF MY ACCOUNT AND CTEDIT KARMA KEEP DISCONECTTING PHONE CALLS. WE FILED POLICE REPORTS AND CONTACTED FDIC WHO IN TURN SENT US TO YOU.IM SENDING SOME OF THE PAPER WORK THAT SHOWS UNKNOWN DEVICE AND TIME STAMPS THAT ARE TIMES WE ARE NEVER UP AND ON ANY COMPUTER.THIS HAS CAUSED US TO CLOSE DOWN BECAUSE WE CAN NOT RUN CREDIT CARDS BECAUSE OF THE FRURDULENT ACCTIVITY.IT HAS ALSO CLOSED 3 CDEDIT CARDS OF ARES BECAUSE OF BOUNCED PAYMENTS. WE CAN NOT OPEN A ACOUNT WITHOUT PAYING XXXX XXXX A NOTHER XXXX ON TOP OF THE XXXX WE ALLREDY HAD TO PAY BACK TO KEEP OPERATING. THIS IS CRAZY TO STILL BE TRY TO GET THIS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Could you please advise me what is " Fraud Charge Off '' ( see attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
There are inquiries on my credit report that are not mine includingl : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is the 'second ' year this has happened. Wells Fargo Dealership Services, misappropriates my auto loan payments. I had to file a Complaint under the Consumer Finance Protection Act last year in order to get Wells Fargo Dealer Services to correct their error, which they finally did. I prepay my auto loan once a year, sending 12 month payments in advance, with a letter instructing Wells Fargo Dealership Services that these are '12 prepayments '. Wells Fargo Dealership Services ignores my request, applies my payment to principal reduction and expects monthly payments to continue. Their prior explanation is that their computer system can not accept/document auto loan prepayments, which is totally noncredible in today 's computer age. I believe they intentionally misappropriate payments in order to set the borrower up to default under the auto loan, so they can collect 'future ' late charges and penalties. My understanding is that Wells Fargo has been sanctioned by the Federal Reserve as it relates to abusive auto loan practices including poor governance, poor compliance and poor risk management. This year, I sent another letter to Wells Fargo Dealership Services with specific written instructions that I was sending'12 prepayments ' and reminding them that I had to file a complaint under the Consumer Finance Protection Act last year to get this rectified. They did it again this year, and misappropriated my payment applying the payment to principal. I called Wells Fargo Dealership Services to get this corrected, talked with two different people including the Office of the President, and the best they could do was have this investigated. In today 's computer age, ever other lender I deal with can pull up a customer profile, payment history and payments made in a matter of seconds. They were not able to do this and not able to resolve my complaint. Hence, I have filed this Complaint. The consumer should not have to go through this XXXX process just to make a payment in advance. If Wells Fargo Dealership Services is not an abusive auto lender, then it is certainly incompetent as it relates to management of its auto loans. I believe Wells Fargo Dealership Services just simply does not care about the consumer.

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 2023-09-19
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Optum Bank continually denies eligible purchases for the HSA. They will continue to send emails asking for receipts even though they have been submitted several times. Customer service is useless and tells you to email the receipts which does not work either. Then after months of this run around they suspend your card. This company is scamming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX... Balance : {$2400.00}

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 2022-10-19
Company: EQUIFAX, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2019-08-05
Company: Experian Information Solutions Inc.
State: NC
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:
A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. I did file a incident report back then but can no longer locate it. This is my second attempt to resolve this matter. The accounts are not my accounts I never had so many accounts in my life.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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