BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: AES/PHEAA
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: Account status incorrect

Complaint:
On XX/XX/2018 my credit score went down 85 points overnight due to XXXX Incorrectly reporting that my account had been closed. The account is still open, I sent in a dispute with them and they basically denied the dispute and said that they reported the information correctly. This is the second time my score has dropped because of this company last time it was 100 points and took my score to a XXXX i'm on a repayment program of {$0.00} because I was laid off from work and I start back to school in a few weeks and I don't want them saying that I need to pay anything and ruin my score even more. theres no reason why they should even be reporting on my account. I am a mother of XXXX and I'm in the process of trying to purchase a home this is negligence on there end no one should have to deal with this company they don't care they don't have good customer service and judging by the rest of the complaints I'm not the only one who feels this way. This is enough to make no one want to peruse an education. I would like them to report the correct information and get my 85 points put back or to actually remove the accounts like they reported that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2021 and before I have called, emailed, faxed Rushmore Loan Management Services, the loan serving company for 4 of my loans to no avail whatsoever.

As part of their terms of service, I am entitled to gain access to all my loan information by using their 'customer friendly ' portal. The issue is that at no time have I been able to have access to the portal as it is always broken, not operating, " not set up correctly or some other group needs to solve the problem ''. The matter continues to this very day and I have invested near 90 hours of my personal time these passed 16 months. I have been in touch with numerous off shore employees including XXXX XXXX, head of tech at Rushmore.

What prompted this CFPB report is that Rushmore made a huge miscalculation on one of my loans. The impact is now financially damaging me to more than {$4000.00}. Due to THEIR errors, I may now lose my home and this is not right and they should make it right at their expense.

I have already consulted with a banking attorney and I do plan on suing them if this matter is unresolved within the next 21 days. I also plan on going to the media on this and creating social media posts to educate borrowers on this company. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, 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:
I simply can't access TransUnion or XXXX. I was able to get one from XXXX last year but not now. I don't know if a previous address wasn't reported to them but I get knocked out of the online and phone applications when I answer to the best of my ability. Actually I was told today by a bank lender she couldn't verify with TransUnion so she called me and said my maiden name was listed instead of my married name. ( I have a XXXX card with official married name since XX/XX/2015!!!! ) So why waste my time mailing an application when who knows if my information will match theirs. This is impossible! Except for the lenders who buy from them I see. They can get the information right away. I am a XXXX XXXX XXXXXXXX veteran with XXXX trying to get a VA Mortgage and they ask me arcane questions I don't remember ( some phone number from years ago, etc. ). This is making me feel hopeless. Just get me the reports, please!!!

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 2023-02-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, and XXXX XXXX : Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2018-09-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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:
I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation

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 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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:
Below the following inquiries were pulled without my knowledge : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act XXXX these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
Today XX/XX/2023 I went to PNC Bank located at XXXX XXXX XXXX XXXX XXXX IL XXXX to order foreign currency i.e. XXXX XXXX  My goal was to have some cash for tipping for my upcoming trip to XXXX. I was looking to get about {$100.00} USD equivalent of XXXX XXXX I was greeted by the teller that passed me on to the receptionist/greeter to process the transaction. This was odd because this was a teller transaction. 

The receptionist / greeter started to process my transaction and as she was about to submit the {$100.00} USD of XXXX XXXXXXXX the teller who was listening in called out from behind the teller line that PNC does not even process XXXXXXXX XXXX. The receptionist / greeter that was processing the request told her that it is in the system and can be ordered. 

Upon hearing that the teller from behind the teller line started, contradicting her initial statement that XXXX XXXXXXXX is " non standard currency '' and a minimum of {$200.00} USD has to be ordered. I inquired that I was looking only for a {$100.00} USD in XXXX XXXX  mostly for tipping. Upon hearing that the teller looked at her screen and said that its a " non standard currency '' and you have to order a minimum of {$250.00} USD. 

At this point I asked them to please double check as this is the first I am hearing of this that XXXX who is one of the major tourist destinations in the world is considered non standard. I was informed by the teller that she double checked and the minimum has to be {$250.00}. Reluctantly I ordered the {$250.00} USD equivalent of XXXX XXXXXXXX with the receptionist / greeter. 

These limits around ordering a certain minimum amount of foreign currency are no where mentioned on the account disclosures provided ( attachment of account disclosures with this communication ), on the official website of PNC there is a no disclosure or mention of a minimum limit for ordering foreign currency. Snapshot also attached from their website. Here is the link for your reference XXXX XXXX XXXX I feel that I was forced to order more foreign currency than needed so higher amount of profit and markup can be changed as part of the exchange rate. There was no proper disclosure provided to me as a customer at the time of account opening. Nor a disclosure was provided to me that explained these limits of minimum requirements today. I feel this was an Unfair and Deceptive practice. Any reasonable and educated consumer will feel being taken advantage off. Finally, I am also concerned about the Privacy and involvement of this second employee without the request of the employee processing the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have spoken with TransUnion regarding this issue. 

They do not have a legal office in the United States and are acting as an illegal representative falsification of credit reporting issues. 

They need to be taken into court and sued for lying and falsifying credit information. 

I have not and do not have any money owed to two-jinn inc from the year of 2016. 

They are reporting incorrectly and claiming to have verified the report. 

They are lying and falsifying documents. 

They can not produce a wet signed document with my name and this stated company.

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 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a birthday check from my grandma in XXXX on XX/XX/XXXX and it seemed to go through just fine so I went on my way. 
XX/XX/XXXX I recieved a letter saying it was invalid. ( although I have been depositing the same checks without incident since I got my bank account in 2019 ) XX/XX/XXXX I went to the bank after being on hold for over 55 minutes to try and talk to someone to help me out. I talked to the manager to fix the problem. I thought he would be able to see the recent and previous foreign check deposits I've made. He said he was unable to find any records of my recent deposit, but he said he would have someone take care of he problem the next day and I would recieve a call. 
Both of those things did not happen and they kept blowing me off for weeks. 
XX/XX/XXXX I went with my mother like the initial visit and they claimed there was nothing they could do at their location. The manager said that the back offices and foreign currency department could handle the problem. He insulted my mother after she explained how she did accounting. Saying " That's how things were done in the XXXX and XXXX, but not now. '' Or " That's a stupid way of doing it. '' He even told us to stop making a scene. And that foreign checks are a gamble and other countries ' banks don't work well with each other. After he told us to call the customer service hotline again, he went back into his office after just saying " Goodbye. '' I just want my birthday money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a milestone credit card through Genesis FS Card Services. I have made multiple payments and I have paid the card off remaining balance on XXXX XXXX. I am also on auto payment plan. On XX/XX/XXXX the payment was reversed but the money was not refunded back to my bank account.On XXXX XXXX I received a text message stating my payment was past due. Upon further investigation into my payment history I noticed multiple payments being reversed but are not being refunded back to my bank account. Another attempt to pay off complete balance was made on XXXX XXXX with the payment being reversed XX/XX/XXXX. So clearly this is not the first time this has happened. On top of all that I am being charged late fees. I called Genesis FS card services on XXXX XXXX and spoke to customer service rep by the name of XXXX. He claims that my claims were reserved due to insufficient funds which is completely inaccurate. XXXX also claims that Genesis can take up to 14 days to take payment, which is also inaccurate especially since the payments are taken from my bank account within 24 hours. This seems to be an ongoing problem with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX Please remove it 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 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/13 I received an email that a checking account was opened in my name with capital one banking. I then received emails that my email and phone had been updated. I have restricted the account but need it closed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 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. 

Due to these violations I have a right to sue per violation.

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: 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: Personal information incorrect

Complaint:
Ive been trying to update my name on my credit report because the name showing on my credit report is wrong and there should only be 1 name which is XXXX XXXX XXXX XXXX XXXX I would also like incorrect addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've contacted the original creditor XXXX and the Credit Collection Service and they can verify the debt has been paid back on XX/XX/2020. However, the Collection Service say 's that they will keep reporting to the credit bureaus weekly up to 30 days until it updates in there system. It has been over 30 days and they have reported this debt 3 days in a row to XXXX. I've called XXXX and XXXX has sent emails and notifications to stop reporting. I've called the collection service and they say there is nothing they can do. Even after my complaints they are still reporting to the credit bureaus that this is a collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I HAVE MADE SEVERAL ATTEMPTS WITH XXXX TO REMOVE INQUIRIES THAT IS SHOWING ON MY CREDIT REPORT. THIS IS MESSING WITH MY MENTAL HEALTH AND HAVE ME STRESSED OUT UNTIL I HAVE TO TAKE MEDICATION DAILY. AND I AND TIRED OF CONSTANTLY CALLING XXXX TO REMOVE THESE HARD INQUIRIES. I HAVE ALSO CALLED XXXX AND THESE SAME INQUIRIES HAS ALREADY BEEN REMOVED FROM MY CREDIT REPORT. PER 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

HARD INQUIRY-XXXX XXXX XXXXXXXX DATE-XXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRYXXXX XXXX DATE- XX/XX/2022 THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRY-XXXX XXXX XXXX DATE-XXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED

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 2022-04-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX ; XXXXXXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have made lump payments and now with the virus both me & my husband ate out of work for at least a month & can not work from hone. I work at a XXXX  & my husband works in XXXX. I cant get a live person or an email from them to help. I have XXXX children and need help

Company response to consumer: Closed with explanation