BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor XXXX XXXXXXXX XXXX ... {$5500.00} amount. I have called to dispute several times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: HANCOCK WHITNEY BANK
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX - I opened a Priority checking account ( account # XXXX ) with Hancock Whitney using promo code XXXX. The opening deposit for the account was {$55.00}. 
XXXX - I send a XXXX transaction of {$2500.00} to work towards the minimum balance of {$5000.00} to avoid fees on the new account. 
XXXX - I send another {$2500.00} via XXXX to meet the {$5000.00} minimum balance to avoid account maintenance fees. 
XXXX - I am able to verify my trial deposits with Hancock Whitney for my XXXX XXXX and XXXX accounts so I can make external transfers between the accounts. 
XX/XX/XXXX - I am no longer able to access my account or online banking and I am not provided notice from Hancock Whitney either by call or email on what happened to my account and why I can not access it. 
XX/XX/XXXX - I receive notification via email that my direct deposit of {$550.00} has been deposited into my checking account. I call Hancock Whitney regarding my account and I am eventually transferred to XXXX XXXX, Assistant Vice President, Digital Relationship Banker. XXXX tells me my account has not been closed, but it is on hold due to the XXXX transactions. She asks me to send her the corresponding bank statements from where the XXXX transactions originated. We hang up and I immediately email her my bank statements from these accounts that have been open for over XXXX years. She emails me back and says she will reach out once she has an update. I still do not have access to my funds or online banking. 
XX/XX/XXXX - XXXX email XXXX again regarding my account and she notifies me she is still waiting on a response, even though I am given no means to access or manage my account or my funds. 
XX/XX/XXXX - I receive an email from Hancock Whitney to " rate my experience '' regarding my account closure even though I never initiated such a thing XX/XX/XXXX - I reach out to XXXX again regarding gaining access to my account and have not received a response. I am still not able to access my funds or online banking. I still have not received a notice from Hancock Whitney regarding this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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:
This is my NUMEROUS 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. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00}.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
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:
My consumer right has been violated according to 15 US code 1681 .... inaccurate informatiom is listed on my report which should be deleted 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 explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : U S DEPT OF EDXXXX XXXX Account Name : XXXX, XXXX & XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXXXXXX 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 that consumer reporting agency can not furnish an 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 2023-03-22
Company: MARINER FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MARINER FINANCE XXXX {$2100.00} I submitted a police report showing that the account did not belong to me. They removed the account from my credit report and in return sold my information without my permission to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, removed it and submitted it to another collection agency that they own and the process starts all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I am hoping someone can help me with the problems I have been having with Rushmore Loan Management Services. They have been servicing the loan since XX/XX/XXXX and it has went down hill from there. I have received incorrect fee 's, modified payments, they have forced hazard insurance when I have homeowners insurance that is included in my monthly payments but their letter stated my homeowners insurance sent a letter of cancelation for nonpayment. I have been financially affected by Covid-19 and spoke with them several times with no luck for them calling me back or sending me any information in a timely manor. Finally on XX/XX/XXXX I spoke to a young lady about a repayment plan that would extend over the next 12 months that would be affordable so XXXX I would start making those payments. I also asked her if I was in Foreclosure status and she stated that no I was not. I was so relieved, but then comes XX/XX/XXXX and I get a letter stating that my home is in foreclosure status and I could not understand why when I had just spoken to someone for payment arrangements and didn't even receive my paperwork to send anything in for a possible Modification on my Mortgage yet .... Not to mention I had made my payment in XX/XX/XXXX and they are stating that I didn't so my mortgage wasn't even 120 days late. Even after all this back and fourth I would not get the packets I was told they would be sending or they would not respond to the Modifications packet or state that they needed more time. 

Miscommunication between the lender Predatory tactics ; Failure to give the proper notices ; Failure to accelerate ; and Misapplication of payments. 

Then they placed me in an impossible situation that was unaffordable making me put {$2500.00} down to save my mortgage from foreclosure on XXXX XXXX and pay {$2200.00} starting XX/XX/XXXX which I couldn't afford that was more than double my payments every month. They stated that they couldn't stretch my payments for 12 months but 2 other representatives stated that they could so I was late for the XXXX payment and they sent a notice stating that I was late and then the only reason that I knew my home was sold at a sheriff sale was because a realtor came to my home offering to help me sell it in the redemption period. 1. more thing about not receiving the notices from them they only sent these notices that I have now XX/XX/XXXX and I didn't receive some of these notices at all prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Principals rights were violated by XXXX XXXX XXXX in conjunction with XXXX, TransUnion, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/2023 for amount {$19000.00}.

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 2023-07-21
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a member of chime I was issued a refund from XXXX XXXX  a few years ago the bank has with held the refund even with all of the necessary proof that the refund was issued to them. And it is due to me I have reopened the dispute and asked for a resolution and they informed me I would have a resolution by XX/XX/2023 and still no resolution or my money back they keep telling me to wait XXXX hours to hear back here it is XX/XX/XXXX still no resolution even after my attorney spoke with them. They are still withholding the amount of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for the XXXX XXXX XXXX XXXX XXXX for my property. I had submitted the letter displaying the exemption to Lakeview Loans Subserviced by XXXX XXXX. Lakeview Loans told me that they couldn't verify my exemption even though i had sent the actual property tax bill displaying the exemption. They also informed me that they check the county tax website and it displayed nothing. They kept telling me that they need more written correspondance. When i contacted the local tax office they told me that they don't put exemption information on their website and that they don't issue award letters concerning tax exemptions, they only put the exemption amount on the property tax letter. The last step i took was, I had informed Lakeview Loans that they can call my local tax office to verify the information because they won't be able to verify anything via the county website. I have both the letter from the Department of Veteran Affairs verifying that im eligible for property tax relief and i have the actual letter from the county tax office showing my exemption so im not sure why Lakeview Loans is still rejecting it.

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 2023-07-20
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This is a bit of unique scenario, so I'm not sure if the selections I made were 100 % appropriate to land where we did. I am a XXXX in the XXXX XXXX XXXX. I have about XXXX Soldiers I am responsible for directly out of the Kansas XXXX, MO area. Several Soldiers are being assessed undisclosed fees by Citibank on their Government XXXX XXXX. The fees include a {$29.00} late fee ( this used to be disclosed in the past, but is no longer ) and a {$89.00} salary offset fee ( never disclosed that I could locate ). They are using the military as their collection arm for said fees. I called Citibank directly on XX/XX/23 asking for these disclosures to be provided at XXXX. I was told I would need to speak to their collections department and transferred a few times. After about a 1/2 hour wait, I disconnected the call as I was at work. I had one of my Soldiers with fees also attempt to call in this week and she advised she disconnected the call after about an hour wait. I called Citibank back yesterday, XX/XX/23, and advised I would like to file a formal complaint regarding potential XXXX ( A ) P and SCRA violations regarding their undisclosed, pyramiding, and junk fees. They took my complaint and I received a return call this morning at XXXX AM XXXX from XXXX. I shared my concerns with the representative as he seemed unprepared for the conversation and had not read the complaint I provided the previous day. Ultimately he did confirm the fees are not disclosed anywhere beyond directly in the " master contract '' with the government. He also said the {$29.00} late fee is assessed on any balance over {$1.00} ( which is insanely high ). They will also charge late fees for late fees. My Soldiers are being charged these fees directly by Citibank, using the military hierarchy in an attempt to collect them, and are not disclosing any of this to the end user. The Soldier also can not avoid harm as they are required to have a Government XXXX XXXX. 

Please note I have collection attempt emails, but they will not attach. I can forward as requested.

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: DISCOVER BANK
State: NV
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:
DISCOVER BANK Is illegally reporting on my credit report. 
Improper use of my report. 
In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: SYNCHRONY FINANCIAL
State: IL
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:
requested remove old addresses and false names but was no option for request the hard inquiry from sinchrony bank fraudulent practices when i pay trough the sams club app, they freezes the payment process on screen of the phone offering a 30 % discount if i fill 4 lines with my name, address and my date of birth, when i filled those 4 lines the screen worked properly, and when arrived to my home transunion notifyme that my credit score was decreased due a hard inquiry, i think thi is a fraudulent offer because they inserted an algorithm between the payment process when we are extremely concentrated in the amount of money and quantity of the product 's, iam requesting remove that unauthorized hard inquiries.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 2023-07-20
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my third complaint about this mortgage company. Why is my monthly statement showing that I owe {$1000.00} And why is it showing an overdue payment of {$590.00} and what is a partial payment unapplied mean? Why is my statement showing all this when I was approved for a load modification. Please first answer the meaning of partial payment unapplied. Where did that {$140.00} go if it's a partial payment unapplied? Every time my online account showed a payment due, I paid it. So how can there be an overdue payment. My monthly payment is supposed to be {$500.00}. not {$1000.00}. I'm supposed to have a loan modification because I have stage XXXX XXXX and can not work at this time but instead you're making it worse by saying I owe {$1000.00} and saying there is a overdue payment and what does {$140.00} in partial payment unapplied mean? Where did that money go? Are you keeping it for yourself? What does partial payment unapplied mean??? This is the worst mortgage company! They just want to hurt people. I keep calling and leaving messages for the XXXX XXXX XXXX XXXX and he never returns my calls. And then when I tried to do a live chat with XXXX on XX/XX/XXXX, after a half hour I gave up because she never came back. The last thing she said was " Thank you for your patience, please allow me a few more minutes, I am still reviewing your account. '' And then a manager stepped in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
The following unauthorized hard inquiries:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Massive check fraud on XXXX  XXXX  ( XXXX years old during fraud ) by a house keeper ( and friend of the family ). From XX/XX/XXXX to XXXX XXXX for about {$61000.00}. Comically bad changing of amounts ( first checks and the sporatic checks ), completely bogus signatures ( a few ) and then pasting copies of signature ( many ) onto stolen checks. The pasting of signatures was completely obvious : ripped edge of the pasted signature on image, signature vertically offset from bottom line ( signature/ '' For '' ), signature at angles from the bottom line, etc. Yet, Bank of America did not detect this fraud for all 100 fraudulent checks. Due to Bank of America " tricked '' an elderly  customer into not including check images with the paper statements, these checks were not detected for 2 years. 

Actions : Reported to XXXX XXXX Police and investigation started ( Fraud Detective came to house ) for " Elder Abuse ( financial ) /Grand Theft ''. Police report number was given to Bank Of America. 

Reported To Bank Of America : After 3 Months, Bank of America sent Form Letter stating claim was rejected ( Quoting Uniform Commerical Code 4-406 and " Bank of America Deposit Agreement '' ).

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