BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage on my condo in XXXX XXXX FL for many years, and in recent years it has been serviced by Rushmore Loan Management Services of XXXX CA. 

Recently, I had enough money to pay off the loan in full so requested a payoff statement from Rushmore. They sent me one, dated XX/XX/2019, indicating that the total amount to pay the loan in full would be {$4600.00}, provided the funds were paid before XX/XX/2019. 

I paid them that full amount of {$4600.00} on XX/XX/2019. The next day, I checked the online loan system and it told me that I owe another {$350.00}. I raised a query on their online messaging system on XX/XX/XXXX and got back a response saying only the query was under review. I chased it with another online message on XX/XX/XXXX, and got back a message saying I should call them. 

So I called them today XXXX XX/XX/XXXX ) and they left me on hold for a very long time, attempted to brush me off with unconvincing explanations, and then only when I persisted, agreed to submit a " request for research to their cashiering department ''. But they are still unable to resolve the situation or give me a firm timetable for resolution. 

It's very simple - I paid the full amount in their payoff statement and I paid it on time. They need to acknowledge that I don't owe them any more money and they need to stop giving me the runaround. This loan should have been completed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone fraudulently applied for a Best Buy credit card and account using my personal information on XX/XX/2023. On XX/XX/2023 I received a letter from Best Buy Credit Services informing me of a denial of application due to my SSN not matching the SSN on the credit bureau report. The consumer reporting agency used was XXXX. Due to the letter I received I was made aware of the fraudulent inquiry and credit card application using my personal information. I immediately got a credit report from all XXXX, XXXX ; XXXX ; XXXX, consumer reporting agencies and filed a dispute with XXXX which showed a Hard Inquiry with CitiBank NA., Best Buy made on XX/XX/2023. I will be filing a police report and be taking all necessary steps in order to have this fraudulent hard inquiry removed from my credit report. Credit report freezes and locks are in place since being aware.

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 2022-10-16
Company: EQUIFAX, INC.
State: SC
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:
Someone has access to my personal information and is opening up accounts in my name. Ive contacted all three credit bureaus so they can fix this, and theres still accounts remaining on my credit report that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Elevate Recoveries, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a bill on XX/XX/XXXX from Elevate Recoveries , LLC collecting for their client XXXX,  XXXX with the original Creditor XXXX XXXX XXXX XXXX, XXXX. XXXX has tried with 7 different Collections agencies trying to collect on this debt. I have requested on 6 other occasions to validate this debt with the Original bill, signed Hippa document along with a copy of my driver licenses. Each time documents have never been sent to validate this date. 

I spoke with XXXX at ext XXXX on XX/XX/XXXX requesting that the debt be validate with the bill, signed hippa form and a copy of my drivers license, XXXX stated that they only had to send the bill and she would request this information from XXXX. 

I spoke with XXXX XXXX XXXX XXXX and they informed me to request this information from the Collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient 's deceptive practices relating to forbearance and IBR re-certification has directly caused over {$40000.00} to be added to my principle balance. Additionally, Navient has refused to provide any information or viable justification for its actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am writing a complaint because this XXXX XXXX account XXXX is negatively affecting my credit report. I disputed this account originally back in XXXX of this year regarding furnished information appearing on my credit. This account is appearing has a collection/charge off and was closed back in 2016 however this account is reporting current payment history which doesnt make sense since this account is closed. This account shouldnt have any payment history reporting since its already been closed. Also, from looking at the FCRA it considered a violation by furnishing information. Anyways I disputed this account again twice in XXXX but there was still current payment history after Ive repeatedly disputed it but also the account was not verified. Please take a look at my previous credit reports, my most recent one and my proof showing my letters were sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: DISCOVER BANK
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:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 
3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 5. Please block and remove this XXXX and XXXX data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXXXXXX XXXX 6. Please block and remove this XXXX and XXXX data on my credit report. DISCOVERBANK Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez started servicing my loan ast of XX/XX/XXXX, They did not cash my XXXX check when I called to find out why I was put on a phone tree and told I would get a call back, no call- I signed in online and wrote a message no response, I am also trying to pause my mortgage because of Covid19 have filled out the online form no response now for alone 2 weeks. No way to contact this company or get any response seems like they are shady and avoiding their customers. Number does not work online gives no response!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had a federal student loan and is being serviced by Nelnet. The loan was discharged through debt relief. I received a notification on XX/XX/23 from credit agency XXXX, stating there is an update on my report. I review my credit report and noticed the student loan was closed however there is a negative rating stating loan is 90 days late which my score to decrease and a negative rating in XXXX score. I contacted Nelnet and the rep state they are in the process of updating the information and that was all they can do. I stated that they have ruined my score and they did not help me at all. On XX/XX/23 I received another alert from XXXX credit agency, stating there is an alert on my credit report and when I reviewed the report, it stated there is a 90 day late rating and my score dropped XXXX points as of this incorrect information. I contacted Nelnet and spoke with the supervisor and all she did was make excuses and try to deflect the situation in another direction, asking me to call the reporting agencies and file all sorts of disputes. The supervisor was not helpful and i was very upset and began to argue, she then disconnected the phone call. This is in violation of the fair credit act the Nelnet is liable up to {$1000.00} for every violation. They had damaged my credit report and ruined my credit score. I am in the middle of obtaining a home loan and dealing with financial concerns which require me to have a high credit score and due to this error by Nelnet, I will have big monetary loses due to Nelnet 's fraudulent activity. Nelnet is a fraud servicing company and has been performing this type of actions with my other friends as well. I need to have this corrected immediately. 

Thank you, XXXX XXXX. 
XXXX Nelnet XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I payed the auto parts company with the number ( XXXX ) XXXX {$290.00} for a rear differential part. I noticed after the original payment another attempt of {$290.00} was made then another {$100.00} attempt was made but declined due to insufficient funds. I was told this was an accident. The sellers name shows as " XXXX '' in my bank statements. After receiving no confirmation, tracking, order #. I was convinced this was a fake organization and quickly canceled my card. I got with Chime and created a " Non-reciept of goods '' dispute for the {$290.00} it was denied after being looked at by Chime " no error occurred. '' I managed to call the XXXX number again and they told me they would refund me so I gave them my temporary card while my new card is being shipped. Instead of a refund they boldly attempted to take out {$290.00} and then {$100.00} again. In a rage I called back with no answer. I then called Chime again to handle this, they created a separate dispute claim this time as " Credit not posted '' ( a refund from the seller. ) In the same day they told me the information I provided did not change they're decision and Chime closed the case again. There is no sign of a refund in my Chime account from " XXXX '' I have been scammed out of {$290.00} and they attempted to take money out my account if Chime has looked at what happened they would see that I have in fact been scammed. I just want my {$290.00} back. The XXXX number isn't answering and I refuse to give them my new debit card because they will continue to try and take money out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My bank is Chase. I wrote a check in the amount of {$3200.00} for a rent payment and mailed it on XX/XX/23. Several days later my landlord said they hadn't received the check, I became concerned since ii know that the check for {$3200.00} cleared. When I checked my account for a check image it became obvious that someone intercepted the check, cashed it at XXXX XXXXXXXX XXXX and then Chase honored it. I filed a dispute with Chase fraud claims on XX/XX/23, but I received a notice in the mail from Chase that more info was needed. I faxed that information to them on XX/XX/23. It is now XX/XX/23 and every time I call Chase to get a status of the claim I'm told they are still waiting for XXXX XXXX to get back to hem. This is an obvious case of fraud/forgery, since after the check was cashed by XXXX XXXX the criminal reforged the check again differently twice and tried to cash them at Chase, but my account was already restricted. 

This is an obvious case of fraud where it should be evident to both Chase and XXXX XXXX, but I can get no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 written to all there bureau for over 60 days now no response back, I also written XXXX XXXX  these agency are giving me the run around. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 6 o 2 stated I have the right to privacy,15 USC 1681 section 6 o 4 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

On all three bureau they have reported late payments for car, and a credit card late payment. 

I also wanted to make a complaint regarding a bankruptcy that is begin reported by all three bureau 's and XXXX XXXX, I have requested documents to show proof of were they have received this information, I have contacted the bankruptcy, courts they stated they did not authorizes any reports, So all sent letters and called to have this information removed and show me proof of how they received it. 

I have advised each bureau and XXXX  XXXX I would be filing a complaint. I will give you 30 days to respond 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 non-monetary relief
Consumer complaint received 2019-07-10
Company: GREAT LAKES
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello, I applied for a student loan back in XX/XX/XXXX-XX/XX/XXXX, My payments were supposed to start in XX/XX/XXXX. I was young and unaware of the importance of credit letting my payments get behind, before getting my payments deferred in order to go back to school. I was under the impression that the deferment would last as long as I was in school but XXXX courses do not qualify. A few more payments were missed due to confusion. I have now made payment arrangements with the Loan company getting my payments on tracks, was wondering if there was anything else I can do in order to get my on time Payment cleaned up. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX and TransUnion both refused free annual credit report. Called toll free help line and no help just phone tree loop. Requested free annual credit report from the 3 bureaus and only XXXX gave me a report. Request made XX/XX/2023 XXXXCST.

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 2023-08-10
Company: Credit Karma, LLC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
0n XX/XX/2023 i received an alert that an internal transfer was initiated from my CK savings to my CK Spend account. I called and the first associate hung up on me. I called back and realized my account was hacked and they continued to try and transfer funds while I was on the phone with CK customer service. I closed my savings account with the attempt to transfer funds back to my external bank. CK deposited all of my funds from the savings into the hacked account and continue to allow the hacker access to my funds and transferring ability.

CK continues to say their fraud department will send me an email and after 24 hrs, I haven't heard from the fraud department. Meanwhile, the hacker is still trying to transfer funds in the hacked account.

I have to assume that CK is colluding with the hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Upon checking my report I noticed there is an account I do not recognize

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE ARE NOT CREDITING MY ACCOUNT PROPERLY.

IT IS ILLEGAL TO REPORT TRANSACTIONS HISTORY ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes. 

( 2 ) Fees for preparation of a deed, settlement statement, or other documents. 

( 3 ) Escrows for future payments of taxes and insurance. 

( 4 ) Fees for notarizing deeds and other documents. 

( 5 ) Appraisal fees. 

( 6 ) Credit reports. 
AS PER A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION I MAY HAVE GIVEN YOU WRITTEN, UN-WRITTEN, VERBAL, UN-VERBAL AS PER 15 U.S.C 6802 ( b ) Opt out ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third parties ALSO ANY CHARGE OFF ON MY REPORT IS CONSIDER A CERTIFICATE INDEBTEDNESS BY LAW INCOME AND INCOME CAN NOT BE REPORTED. 
APPLY ALL RULES OF THE FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT OF XXXXFOR VIOLATION THAT APPLY. 
ALSO REFER TO THE INDENTURE ACT OF XX/XX/1939 ATTACHED

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reached out to the credit bureau on XX/XX/2023 and would like a reinvestigation I still have inaccurate information on my report! 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 hope you would be able to help! I will list the accounts below! 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX AT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account 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