BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX XXXX XXXX XXXX widow whom lost her 35 years marriage partner with covid in XXXX, whom been financially broken since the loss of my husband my life partner whom basically handled all of our finances for 35 years and our mortgage payments asking this lender ( Rushmore Loan Management ) to stop the sale on XX/XX/XXXX, I have submitted everything to them since last week, they keep telling me I need to wait for my specialist XXXX XXXX to review the documents for the last week and she been out since last week and no one in loss mitigation is helping me and I have given them everything needed and not needed and over for a week already and I have emails confirming receipts of my documents, please help me stop the sale. XXXX XXXX widow and have no other place to live please, they harassed during the whole process by asking me for documents not even needed for the modification such as tax returns for the contributor my nephew who isn't on title, but he helps me financially, we even send that too, they are terrible mortgage company, have no structure and no compassion. please help me it urgent to stop the sale of my home I was referred to you by XXXX from XXXX they also have a case open Cas # XXXX thank you and XXXX bless, my call back is XXXX. please save my home, This is the only one home left in my name since my husband XXXX now Rushmore has a sale date on my home this upcoming XX/XX/XXXX, Rushmore is conducting unethical lending practice in the state of California and this type of misconduct will lead to unnecessary legal actions that will only cost unnecessary costs to both parties. Rushmore needs to abide by the law and ethics of this practice if they want to continue service loans in the state of California period. I contacted XXXX today and they advised me there is many outstanding consumer complaints against Rushmore Loan management for the same type of concerns and lawsuits brought against Rushmore as well. I hope that I wont need to bring a lawsuit to save my home. Please am elderly and a widow and XXXX too so please revise the decision and offer me an affordable workout plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: AL
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 Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX  acct number XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1605 states that the finance charge is the sum of all charge, no such thing as late payment 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 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ; reporting high usage negative impact on family/household/livelihood improper investigation, 5 U.S. Code 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted 15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer to whom it relates.

15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report without notifying the consumer in writing

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 2022-12-25
Company: Experian Information Solutions 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:
XX/XX/22 Experian is reporting a bankruptcy on my credit report and they have put the data furnisher as the XXXXXXXX XXXX XXXX XXXX XXXX GA. This is XXXX I have attached a letter from the XXXX bankruptcy Court XXXX XXXX GA XXXX and XXXX that they DO NOT furnish this information over to the credit bureaus or any CRA, nor to they verify or validate any information concerning bankruptcies. Experian is falsely stating this information on my credit report and have yet to remove this from there credit report. This is in violation of 15 USC 1681 ( a ) that states with respect to the consumer it is of grave importance for the BUREAUS to report fairly, accurately and privately. 
I have also enclosed the CFPB complaint response from XXXX where they have deleted the bankruptcy from my consumer report. 

XX/XX/22 Experian is also reporting an inaccurate address that i have disputed multiple times. 
XXXX XXXX XXXX XXXX. XXXX GA XXXX. 

It is clear to XXXX that this information deleted from my consumer report, but Experian refuses to remove it from my file. see attached copy of CFPB complaint response. 

Which with XXXX and XXXX did not have permissible purpose to request any of my private information to obtain this for the credit bureaus reporting. Nor did i give them permission to furnish this data to Experian. This is in violation of 15 USC 1681 ( b ).

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing this letter because i am extremely dissatisfied and dissappointed with the services of Wells Fargo. I feel as though my complaint was handled inadequately and my rights were grossly violated by the service rep, XXXX. I have been a customer with Wells Fargo since XXXX and have continuously maintained a good standing with them. On XX/XX/XXXX, I submitted a dispute and took the extra step of filing a complaint with the various regulatory agencies such as CFPB, FTC, CFTC, SEC, State Attorney General, and XXXX. On the same day, I received a notice that my account would be closed without any legitimate explanation. This leads me to believe that the investigation was not conducted correctly. 

Furthermore, I called on the XXXX to file another dispute because someone had disconnected my phone and I was able to get into my applications since I had double verification with my phone and the customer rep ( XXXX ). However, XXXX was extremely rude and treated me disparagingly. He did not explain the details of the dispute and merely provided me with a claim number ( XXXX ) before abruptly ending the call. 

I am appalled by the lack of customer service I have received and feel that my rights have been grossly violated. I would like to request that my account be reinstated and that I be given a proper explanation as to why my account has been closed. I would also like to request that disciplinary action be taken against XXXX for his inappropriate behavior. 

I look forward to your prompt response. 

Sincerely, 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 2022-11-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I demand that you Cease & Desist from reporting old information on my consumer report, I demand that you cease & Desist from reporting, incorrect, misleading information on my credit report, I demand that you Cease & Desist improper validation and proof of debt on my credit report. 
Please remove the following account within 5 days from my report XXXX XXXX XXXX XXXX I have not given you premission to report these accounts to my report, Also I have not recieved evidence of these accounts that that belong to me.

These account are incorrect and misleading. I will seek legal action if they are not removed within 5 business days. This is the last notice. If there is no proof you must remove these accounts. 
Student loans have already been removed off my report than came back, XXXX has changed the account to postive to negative several times after they sold the debt to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
American Express Simply Cash Account ending in XXXX and XXXX American Express Account ending in XXXX raised my interest rate 5 % on my XXXX statement. I have paid on time and as agreed on these cards and on all cards for the past 10 years. First the representative told me that my fico score had lowered. I asked to speak to her manager and the manager told me that American Express had not raised interest in 5 years and so now they were raising everyone 's interest. I told her this was not true as on both cards during 2018 my interest had been raised 1/4 % 4 to 5 times. I asked to speak to her supervisor after she demeaned my intelligence on the telephone. This is an unfair business practice and they have no right to obtain {$10.00} extra per month per card. I have been an american express customer for 20 years and have no negative information against me. AMEX lowered my XXXX card credit from {$24000.00} to {$2400.00} seriously causing me problems to complete my remodel of my apartment building and to purchase the necessary supplies to run my vacation rental. XXXX card lowered my credit from {$13000.00} to {$3500.00} causing difficulty to supply my units with stoves and refrigerators and to finish the remodel of my building. PLEASE NOTE : I HAVE A SECOND ACCOUNT : CARD NO. XXXX XXXX XXXX : INTEREST RAISED FROM 13.99 % TO 18.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Re. Edfinancial I have tried to contact them to access my account as all other attempts ( reset password etc ) have failed. The hold time is 50 minutes, and there is no live agent chat available ( I '' m currently at XXXX XXXX ). 

On the XXXX website, there are many many complaints similar to mine about the company. 
( see examples below from today 's post ) : " Edfinancial has to have the worst call center ever. The ivr talks to you for over 2 minutes before you can enter anything. Most of the time inputs don't even work. 
XXXX @ XXXX XXXX @ usedgov @ edfinancial Please reply to my message. Still no help in over a month. Whats going on? 
XXXX @ XXXX XX/XX/XXXX @ edfinancial Fix your hours. You cant service your customers. I am still waiting nearly XXXX weeks for assistance! # studentloans XXXX XXXX @ XXXX XX/XX/XXXX Replying to @ XXXX Should look into Edfinancial. They keep reversing my student loan payments! Its happening to a lot of people. Screwing with peoples credit scores! 
XXXX XXXX @ XXXX XX/XX/XXXX Replying to @ edfinancial and @ XXXX I did the same thing. Nothing from edfinancial, but conflicting statements, hours on hold, weeks IF I get a call back. Messages to Dept of Ed. Hope you had better luck. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please hold this company accountable to their customers. This is not acceptable. Thank you for helping

Company response to consumer: Untimely response
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the 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 non-monetary relief
Consumer complaint received 2015-08-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX aka NMAC has reported a 30 day late payment to my credit report purportedly occurring XXXX 2015. This payment was not made late and I have attached supporting documentation evidencing the date payment was made.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I submitted a mobile deposit through Fifth Third Bank on XX/XX/2020, and it is being withheld from being deposited until XX/XX/2020. This mobile deposit is a payroll check from my job! I need my money NOW to pay my bills I am behind on. It should not take 12 days to verify and deposit my payroll check, thats ridiculous! When I called Fifth Thirds customer service, they were very rude, the supervisor even said she would not help me, and there was nothing she could do. Wouldnt even try to release my check to were I could cash it somewhere else, this was even after I advised her, I am about to have my car REPOED if I dont pay my loan as soon as possible, my bill is due XX/XX/2020, and Im already behind from being on bedrest for two months!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an impound account with planet home lending, they failed to pay my taxes on XX/XX/2022. I had to pay with my credit card, the home was going to auction as taxes werent paid. I called planet home lending about 20 times over a 6 month period and they asked me to fax over my receipt from my county assessor, which I did twice. Last call I was told case closed and my taxes went up by XXXX dollars. I didnt understand why. They told me I do not get a refund for the taxes I paid and am afraid on my impound account, that will fail to not pay again. Do not trust this company. 
When they bought my loan from my original lender, they had me faxed my last payment from original company and I called and told them please do not give a 30 day late. I followed up for 2 months about 10 calls and they still gave me a 30 day late on my credit report. 5 more calls and threat that I would sue, they corrected their mistake. Terrible customer service m they would tell me to hold for a second and then they would cut my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX has violated multiple USC 's and CFRS 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-11-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint with the consumer financial protection bureau is in regard of improper use of my consumer reports and disobedience of federal law. In reference to Wells Fargo Account # XXXX I wrote Wells Fargo a letter informing them of their inaccurate reporting of an account on my consumer reports. Wells Fargo is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Wells Fargo ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Wells Fargo ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. Additionally, In Wells Fargo terms and conditions they agreed not to share my nonpublic information with non affiliates. Consumer reporting agencies such as XXXX, XXXX and XXXX is not an affiliate of Wells Fargo nor are they " bureaus '' as Wells Fargo suggested. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as federal law has stated several times. Wells Fargo has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Additionally, per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 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 non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was offered I didn't reprotection for 2 years because it was a data breach. My identification was Leak on the dark web. I tried everything I can to fix the problem. 3 credit freezing services etc..

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 2023-01-13
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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

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 2021-11-02
Company: Kriya Capital, LLC
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 filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.

Company response to consumer: Closed with non-monetary relief