BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mrs. XXXX applied for a modification w Rushmore loan management. She applied several months ago n has submitted all the required documents. As time went on they ( rushmore ) kept requesting more n more documents saying the previous ones were outdated. Mrs.XXXX complied n submitted the reqired updates. I ( XXXX XXXX ) called rushmore numerous times to ask for updates n to ask if anything else was needed. Sometime in early XXXX i reached out to rushmore knowing that the 37 days prior to the auction date was nearing n talked w XXXX she identified herself as the processor handling the file. She told me on or about XX/XX/19 that all necessary docs were in n that she was going to move the file to the next phase for approval.keep in mind this was still 37 days prior to auction date. On or about XX/XX/19 i reached out to rushmore bc i hadnt received the loan modification requirements for mrs.XXXX n was told i needed to speak w XXXX, who was the underwriter n she informed me that even though everything requested was in, that Rushmore hadnt sent out an approval letter to mrs.XXXX n it is now too late to stop the auction bc it was less then 37 days until auction date. Mrs.XXXX more then qualifies for the modification has submitted all necessary documents n because rushmore hasnt generated the approval letter in a timely fashion they are now going to decline her application n sell her home. This is beyond unacceptable. I ask that you please intervene on Mrs.XXXX behalf n allow her this opportunity to modify her mortgage. Rushmore has been playing games w this file for months.i believe they are doing this bc they know MrsXXXX 's property has equity. My name is XXXX XXXX i have been assisting mrs.XXXX with her modification. My phone number is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with DEPT OF EDUCATION/NELN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and DEPT OF EDUCATION/NELN with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Makes Cents, Inc. dba Advance.Cash
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the spring of 2019, I foolishly took a loan in the amount of {$500.00}. I made two payments of {$120.00} each totaling {$250.00}. I then discovered that Advance.Cash is also Makes Cents Inc! 

I had a separate loan with Makes Cents Inc XXXX  XXXX. I successfully proved that this loan had been made fraudulently and not only did Makes Cents Inc dissolve the loan, it actually REFUNDED the payments I had made.

Makes Cents Inc also agreed to dissolve the loan with Advance.Cash. I was absolved of any additional payments and the balance due was made XXXX!!! 

Now nearly THREE YEARS later, Makes Cents Inc d/b/a Advance.Cash has turned my name and SSN over to a collection agency which has now tarnished ALL THREE of my credit reports!! 

NO communication was EVER sent to me about this!!!! This is an additional act of FRAUD!!! 

I am a resident of South Carolina. After doing research regarding Internet Tribal payday loan laws in the State of South Carolina, I found that Makes Cents Inc payday loans are actually illegal. I contacted the South Carolina State Department of Financial Institutions and they verified that Makes Cents Inc is not licensed in South Carolina, therefore the loan contracts I had with Mandan, Hidatsa, and Arikara Nation d/b/a Makes Cents Inc d/b/a XXXX XXXX according to my state 's laws, were never enforceable. 

As a resident of SC, I am subject to its laws. South Carolina Code 34-39-110 regulates payday loan lenders in South Carolina. Lenders must have a license in South Carolina under the state law. The loans issued to me were payday loans. Payments were due on each payday making them payday loans by the very simple definition. Makes Cents Inc may be subject to tribal law based on its affiliation with Mandan, Hidatsa, and Arikara Nation. I am not a member of that community ; therefore, I am not subject to tribal law. Because it is not licensed by my state and because I am not subject to tribal law, ALL loan contracts entered into are null and void.

Makes Cents Inc claims to be wholly governed by Mandan, Hidatsa, and Arikara Nation, which is part of the Three Affiliated Tribes of the XXXX XXXX XXXX. In my telephone communications, I learned that it is actually located in XXXXnot even within the United States let alone North Dakota or on the XXXX XXXX XXXX! I have also uncovered interesting information regarding XXXX XXXX and its loan sharking charges and connection to Makes Cents Inc.

I demand Makes Cents Inc d/b/a Advance.America immediately contact XXXX XXXX XXXX in XXXX XXXX Arizona and REMOVE all records of my affiliation with this 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 2023-08-03
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: Reporting company used your report improperly

Complaint:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/21 my macys credit card was closed due to inactivity, which I was un aware of. They closed with no notice to me.I have had this card for over 11 years and have periodically used this card. This card is one of my longest standing relationship and will hurt my credit score. 

I called on XX/XX/21 asking them to open the card back up and allowing me to spend money on their account. They told me repeatedly that this was not up to them, but because of my inactivity, I was not able to reopen.

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 2021-04-17
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I attended XXXX XXXX  College XXXX in the XXXX ( remotely ) from Fall XXXX through XX/XX/XXXX for the equivalent of a XXXX XXXX XXXX, paid using Sallie Mae loans. ( This is because the school, and the U.S. Department of Education, insisted that I was somehow unable to use my federal student loans for my attendance. ) Since then, Sallie Mae has been, at best, difficult. I received my degree in XX/XX/XXXX and they attempted to collect payments prior to my receipt of my degree. Then, after receiving my degree, I notified them that my current financial situation ( public servant, with a wife who is a XXXX, in XXXX XXXX XXXX ) and my inability to presently pay the loan. They argued with me. In early XXXX, I fought with Sallie Mae repeatedly, until a high-level Sallie Mae executive wrote me a letter saying they had created a new program that would allow me to defer my loans -- for only three months at a time -- due to financial hardship. Since then, I have been calling every three months to notify them that I am still a public servant in XXXX with a XXXX wife and that I still am not in a financial position to begin paying my loans. I also notified them, in XX/XX/XXXX, that I have gone back to school for a graduate degree in law from the University XXXX XXXX XXXX XXXX XXXX ( remotely ). 

Now, I am approximately 45 days from having to begin to make payments on my existing Sallie Mae loans, because they have determined that I am somehow no longer qualified for this deferment/forbearance program and/or that I have used the program for what they decided was somehow too long. This ignores the fact that I will be in-school until at least XX/XX/XXXX. This ignores the fact that I live in one of the most expensive cities in the country, but live on a XXXX federal salary, combined with the salary of a local XXXX XXXX XXXX  Although we have been getting our financial situation in order -- to include substantially reducing our non-student loan debt load -- we are not yet sufficiently financially stable for Sallie Mae to be demanding payments. 

Sallie Mae has been disruptive and disrespectful throughout this process, constantly inventing new ways to tell me that I must pay them money I don't currently have. These two loans need to have their payments delayed/deferred until XX/XX/XXXX, at least, due to my in-school status and my ongoing employment, domestic, and financial situations. Sallie Mae, however, refuses to cooperate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Im demanding my remedy being that the FCRA says I the consumer can get remedy for the violations done against me. Im asking for remedy for 9 violations against me under 15 USC 1681b ( a ) ( 2 ) which is identity theft and fraud. Please help with this matter because Experian has a conscious effort of not caring about this matter.

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 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. this charge came from the same portal where I pay my rent. When I noticed the charge I contacted BOFA immediately. Spoke with person from Nevada. That person told me that they would handle it. It did not get handled. I have never paid XXXX XXXX XXXX before. The portal that I used was hacked XXXX  and someone had my debit card information and used my information. BOFA has sent nasty messages stating that I was aware that the charge had taken place. I have been trying aggressively to get my money back for over a year. This caused something else to be in default because this money was hacked from my account

Company response to consumer: In progress
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As a victim of IdentityTheft I have followed all the recommended steps to take including but not limited to : Dispute Letter with fraudulent accounts FTC Report Police Report Driver License Government ID and Social Security card.

I have sent all these documents " certified '' with tracking and delivery confirmation.

However the fraudulent accounts remain on my credit report along with other discrepancies. 

The fraudulent account that remain are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After a quick XXXX search I noticed that business " XXXX XXXX XXXX ' is a fictitious business. *The address doesn't match the business. * XXXX. Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA ( 15 U.S.C . 1681 ) Transunion has violated my rights by negligent and wilful noncompliance with the law after my discovery and informing them of the discrepancy. I have the right to privacy and a consumer reporting agency can not furnish an account without my written instructions.

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 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have asked XXXX XXXX and transition several times to investigate my credit profile with my disputes. if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

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 2023-01-18
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2023-09-21
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-11-18
Company: EQUIFAX, INC.
State: GA
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:
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. 

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 non-monetary relief
Consumer complaint received 2021-04-17
Company: OneMain Finance Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2020 XXXX XXXX settled with me through a lawyer for the amount of XXXX on a joint loan. They agreed to monthly payments of XXXX a month for 24 months. I have been making the payments the lawyer and on my credit report is still wrong. They are still saying I owe more and not making timely payments. I have all receipts and letter of settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Double Charge Incident- XXXX XXXX XXXX XXXX XXXX, XXXX Truist Bank accepted a check and withdrew the funds for the same check twice, once in XXXX, and the second time in XXXX. It appears that one of our vendors presented the check twice ( once by phone, once in person ). The check was invalid the second time due to being 8 months old and should never have been honored. Here are the details We contracted with client for a {$5000.00} appearance fee. 
o Payment 1 was made by check XXXX and was posted in our account on XX/XX/22 for {$2500.00} o Payment 2 was delivered in person to client, check # XXXX for {$2500.00} and was posted on XX/XX/22. 
o This was the final payment for our contract o Check XXXX was presented again a second time in XXXX and was posted on our account XX/XX/22. 
We did not notice this transaction at first because it appeared to be a check we issued. Upon a final end of year accounting wrap up, we discovered that the check was deposited a second time. 
We notified our local branch XX/XX/XXXX, and receive a voice mail back indicating that the funds would be deposited within 48 hours. 
We had a call the next day indicating that the payment might take 90 days to process. 
We discussed with the branch manager on or about XX/XX/XXXX and were told it would take 48 hours but it would be taken care of. 
We were informed XX/XX/XXXX that XXXX XXXX XXXX is rejecting the refund because it is after 6 months. 
We notified the Truist branch XX/XX/XXXX, and the statement date is XXXX XXXX. This is less than 6 months. 

Due to some severe family situations, it did take a bit longer for us to catch this. It was not caught the first time through the statements, because it appeard that it was a valid check. It was not until our final audit that we caught this. We have asked repeatedly for Truist to credit our account and work it out on the other end with our vendors bank. We have reached out to our vendor who claims she did not make the deposit a second time, even though we have provided copies of the deposit. 
There were two reasons the check should have been stopped before it was withdrawn from my account. The first was the duplicate check # and duplicate payee and duplicate date of the check. The second is that the check was a stale and expired check. We simply want our money back from this error on the banks part.

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 2022-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation