BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ASIS FI XX/XX/XXXX. Under the FCRA Section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Ive included in past statements, however it renders mentioning again that my license and SS card were in my wallet when it was stolen. This was documented in the original police report I filed shortly after my wallet went missing. It explains why my address may be on some, if not all the purchases. I was also made aware of fraudulent credit card applications being made in my name with my SS number. I completely understand needing to investigate, thoroughly, because thats exactly what I have done on my end. However, it does not appear that Discover has properly investigated. These charges NEVER should have been approved with as much incorrect spelling and the inconsistent email addresses and phone numbers used. It should have been a red flag for Discover, yet theyre the ones that permitted over {$1700.00} in fraudulent transactions. I never received any requests to approve or deny these transactions. I notified Discover that my card was missing when I filed the police report and from there responsibility and negligence fall on Discover, NOT ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: MOHELA
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite XX/XX/XXXX Letter from MOHELA that my {$100000.00} student loan has been paid in full XXXX has continued to inaccurately maintain false and inaccurate information that I owe {$100000.00} Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/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 2023-07-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX XX/XX/XXXX To Whom it may concern, I have a Mortgage with Rushmore Loan Management services due to my account being transferred from XXXX XXXX on XX/XX/XXXX, I am having trouble with our monthly statements being accurate. The statement for XX/XX/XXXX shows the amount owed is {$7000.00}, This is incorrect I spoke with XXXX @ Rushmore he states we are behind 2 payments in XXXX and XXXX, both these payments have been made I attached to this complaint. Our payments are always made in the amount of {$2300.00} and are amount due is {$2200.00} we are paid over each month. 

I am currently in a XXXX  XXXX bankruptcy for a total amount of {$17000.00} since XX/XX/XXXX to date I have paid {$16000.00} amount still remaining {$1500.00}. This amount is also incorrect and it is very important that our monthly statements are up to date and reflect an accurate amount due on our monthly statements and credit reports. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSLEY REPORTING ALLEGED DEBT WHICH IS A FCDRA SECTION 807 VIOLATION ''15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED ANDI HAVE YET TO RECEIVE A REPONSE AFTER 30 DAYS WHICHN IS ANOTHER VIOLATION UNDER THE FCRA.

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 2022-11-19
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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:
Hyundai Motor Finance lease end buy-out interrupted with Covid-19. I paid off vehicle in full XX/XX/XXXX. XXXX agrees and acknowledges to CFPB full payment received XX/XX/XXXX. - see attached highlighted dispute response XX/XX/XXXX. Bank statement of my payment withdrawal also attached. Repeated ignored follow up calls and emails to XXXX XXXX XXXX XXXX for them to complete title transfer after they received funds- see attached records. They wouldn't process transfer paperwork for 4+ months. A XXXX Service Rep told me the paperwork on my XX/XX/XXXX purchased vehicle was also sold to wholesaler. Rather than accepting error, XXXX continued false charge-off reporting thru XX/XX/XXXX. They have been made are aware and continue to provide incomplete and inaccurate responses to XXXX and CFPB. To date, XXXX refuses to provide me a breakdown of payments made ( including lease extension payments ) against actual amount paid at XX/XX/XXXX buyout. And why they had reported charge-offs into XXXX. For 2+ years XXXX has violated my Federal and State rights under FCRA and has made inaccurate statements to CFPB on this matter. They refuse to provide confirmation documentation of the sales price per terms of lease buyout ( extension payments should have been deducted ). Hyundai Motor finance has a serious history of consumer credit reporting violations as evidenced in the most recent XXXX XXXX penalty for widespread credit reporting failures.

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 2023-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My consumer Id XXXX A XXXX XXXXXXXX credit card fraud I was impacted by the XXXX breach and also I been a victim of identifying theft from XXXX to XXXX my identity was stolen and was to open XXXX bank accounts and checking writing as well So I find out around XXXX that my identity was been used to open all kind of accounts and that my ssn was in the XXXX breach so I put an credit lock on all my credit reports agents. But before the credit lock I spent a lot of money tryna to fix my credit report from fraud and still Wasnt able to fix my credit report and. The person which is using my identity has about of inquires on my XXXX  and consumer report that I will like to dispute all inquires on my report and in will like all this credit accounts that on my credit report to be removed please and I will like also to dispute my XXXX report since its do to fraud so I can be able to open an checking account If the future this my name XXXX XXXX XXXX XXXX can be reach at XXXX cell. XXXX cell Email 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 2022-11-19
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BOEING EMPLOYEES CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into this bank. They took several weeks to verify it. They made all of the funds available to me for about three days and then they restricted my use of the check again. The lie or excuse that they are using to keep my money away from me is that they need more time to further verify the check. They told me that they need at least another week to verify the check. I told them to call the issuing bank ( XXXX XXXX ) right now while I was on the phone to verify the check and they refused. XXXX XXXX XXXX helped me to receive this very same check from XXXX XXXX about a month or two months ago. I deposited this check in BECU and after taking 2 weeks to clear the check, after making all of the funds available to me for about 3 days, they are pretending that the check didnt successfully and completely clear in order to keep me from using my own money. They are non-profit credit Union, and I hate to to think that they use tactics such as this to make money or steal money from their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in the hospital in the summer of 2021. I was paid my hospital soon after my release. In the last 60 days Ive received communication a collection agency called stallings financial on behalf on XXXX XXXX XXXX XXXX. I found out out that theyre a separate bill from a XXXX that i saw that i did not receive. Upon talking to the XXXX of the employees the specialists office ; i was told that the bill was sent to the wrong address since i moved a couple or so after the hospital stay in 2021. Upon calling my insurance, i was told that the bill was not submitted to the insurance unlike the other bills that were reviewed. I contacted the specialists office to let them know they need to resubmit the bill and talk to the debt collector so they can remove the reporting they made on my credit. The office wont do a thing until they hear back from the insurance meanwhile the debt collector keeps on contacting me and telling me to tell the XXXX infectious XXXX to call them and give them an update. I dont think it make sense for these individuals to hold my credit XXXX for their mistake of not billing the insurance and not communications properly that i would receive XXXX different bills from the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
FIRST FEDERAL CREDIT COLLECTIONS has violated Federal laws concerning the use of private information, FIRST FEDERAL CREDIT COLLECTIONS is reporting a medical debt on consumers ' reports, Requesting validation of how the consumer is responsible for paying this ALEDDGED debt and how consumer private information was obtained. 

If FIRST FEDERAL CREDIT COLLECTIONS isn't able to provide said items, negative accounts must be removed immediately according to FDCPA Because this has been an ongoing issue, consumer is advising FIRST FEDERAL CREDIT COLLECTIONS HAVE 3 DAYS TO REMOVE DEBT. 

Consumer has attempted to resolve this matter for several months, I will be filing form 211 treasury omb forms to audit consumer account.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a new XXXX business checking account in XX/XX/XXXX under a promotion they were offering for new customers to deposit {$3000.00} and receive a {$500.00} sign up bonus after holding those funds for 60 days. 

I deposited {$3000.00} on XX/XX/XXXX and still have not received the bonus. I have left the initial {$3000.00} bonus in, and the requirement was to hold it for 60 days which I have also done. 

Today I called their support line since the {$500.00} never showed, and they said they would not honor the promotion because it was not " new money '' that was added to the account. When opening the account, they give you many options to fund the account such as transfer from another bank, funding from a credit card, XXXX, etc. 

I chose the option to fund from a credit card and today the rep said that this does not count as " new money. '' This seems very disingenuous that they offer this promotion and then give you the option to fund with a credit card but then tell you that new money added to an account is not new money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As of XXXX, the original date that the property first opened. They have the original date as XX/XX/XXXX is the date that they refinanced without letting me know, which is identity theft, until after the divorced in XXXX. I have the documents to prove it. I have the mortgage monthly payment from my XXXXXXXX XXXX checking account submitted to Wellsfargo Home Mortgage Account, but I found it is going to my ex wife savings account instead. So I had been paying my ex wife, because they paid off my mortgage on the same that I purchased, without letting me know. Thats how they fraud 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 2017-12-20
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For many, many months I have reported that this debt is 1. ex husband 's and 2. I paid it. No matter what I provide as proof they continue to bother me and report me to the bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX ACCT # XXXX XXXX. US DEPT OF EDXXXX ACCT XXXX XXXX ( 6 ACCOUNTS ) ALSO XXXX IS REPORTING THE ABOVE STUDENT LOANS AS A " OPEN, COLLECTION '' BUT ON XXXX ITS SHOWING " EXCEPTIONAL PAYMENT HISTORY NOT AS A COLLECTION '' HOW ARE BOTH BUREAUS REPORTING THE SAME ACCOUNT DIFFERENTLY? ALL STUDENT LOANS NEED TO BE DELETED!!!! ( PLEASE SEE ATTACHED CREDIT REPORTS ) XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX  ACCT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo refuses to respond to my previous complaint, which was number XXXX. The complaint was sent to Wells Fargo on XX/XX/XXXX. Currently, there is an auction date of XX/XX/XXXX, and Wells Fargo has not responded to my attorney 's calls. We have been attempting to resolve the pending issue regarding the loan modification approval. I have submitted all documents that Wells Fargo has requested in order to move forward with assuming the existing loan on the subject property ; however, Wells Fargo refuses to cooperate to resolve the issue regarding the approval of the loan modification. Furthermore, Wells Fargo has specified that they do not have to communicate with any of their clients whatsoever. We have been trying to negotiate with Wells Fargo, before they file bankruptcy, and leave their clients in limbo. We are ready to begin making mortgage payments in order to settle the debt on the subject property, but Wells Fargo appears to be very stubborn. The California Attorney General 's office needs to continue investigating this fraudulent and unethical company that has been continuously taking advantage of homeowners. My family and I are ready to resolve this issue, and Wells Fargo needs to negotiate in order to settle this dispute. Finally, there is no unauthorized third party regarding this pending matter. Wells Fargo needs to stop creating fantasies, and deal with this dispute in a sound and reasonable capacity.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: GA
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 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 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