BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home on XX/XX/XXXX with XXXX XXXX. On XX/XX/XXXX we received a letter stating the loan had been transferred to XXXX XXXX XXXX  XXXX , XXXX. stating our payment was {$720.00}. On XX/XX/XXXX, we received a statement that our loan was transferred to Rushmore Loan Management Services stating our loan payment was {$780.00}. Due to the holidays, I called Rushmore Loan Management Service on XX/XX/XXXX, I was advised by XXXX that the escrow was incorrect and to wait until it was corrected before making payment. It showed homeowners and taxes were the same amount in escrow. He advised that I should get notifications by mail when it was corrected. The next day, I received a collection call. I explained escrow problem and was told to call back in 10 days. Again, the next day, we received a collection call. On XX/XX/XXXX, I called Rushmore Loan again spoke to XXXX, I was advised it was corrected but not corrected in there system and to call back on XX/XX/XXXX. After that, we have received numerous collection calls. This is not our mistake. I would refinance if I could afford it. This is harassment to us. Not fair that they made the mistake but we have to take there harassment. They to tell us we are on robot calls and until we pay it will continue. I have asked to speak to a supervisor but never available and never calls back. Look at the attachments below. It would be nice to know who is the correct mortgage company. I only know know due to several phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1. I need to access a very small amount of transaction information for a small business account with Suntrust for which I am listed as the beneficial owner.

2. I contacted Suntrust by phone today, XXXX XXXX, 2021. I spoke with XXXX XXXX. I provided : My name The name of the nonprofit The tax ID of the nonprofit The email address on the account. 

I made available : The business address The business phone number Basic information about the account, such as the date and location of the branch of the opening of the account. 

3. XXXX stated she could not access my account without the last four digits of the account number. 

4. Even though I provided my email address to Suntrust upon opening this account, and even though they sent me emails about my account, none contained the last four digits of the account number.

5. I asked for a supervisor. XXXX said I would have to wait 24-48 hours for a callback. I said I would wait on the line for a supervisor instead. XXXX put me and hold and apparently interacted with a supervisor or manager, demonstrating that one or more was in fact available. Then she hung up the phone on me indicating that she was disconnecting the call.

6. I currently can not access the bank statements because they are in another location hundreds of miles away. 

7. What if someone loses their bank statements and then needs to access the account? Then, they can not do it, except in person? 

8. There are no Suntrust branches near me in my current location of XXXX Illinois, except hundred of miles away. Closest branch seems to be XXXX, Tenneessee, a XXXX to four hour drive. I do n't drive. It will cost me hundreds of dollars to visit a branch and access this information.

9. I called back and spoke with XXXX XXXX. She said she would need the last four digits of the bank account number. I asked for supervisor, who did come on the line eventually.

10. Supervisor, XXXX XXXX, said the bank 's strict policy was : Without the full account number, they need the full tax ID number and the last four digits of the account number. She said she could not access the account.

11. Suntrust has been unreasonable, unhelpful, and created significant burdens with no meaningful relationship to account security. As a policy and practice matter, and as a regulatory matter, Suntrust and other banks should offer additional ways for customers to verify their account information by phone other than the account number ( which most people do not remember, especially for closed accounts ), especially when they do not offer branches nationwide.

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 2019-02-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When my wife XXXX XXXX passed away last year, I closed this account as a authorized user not a joint account owner. I received a letter they can not prove I was an joint owner. However, my credit report still shows me as the responsible debit owner. I like this corrected, and have files disputes with Chase Credit Card and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Travel Elite Card with First National Bank of Omaha ( FNBO ) which is serviced through XXXX XXXX. The Travel Elite credit card has a travel benefit that reimburses {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ) for every calendar year. In XX/XX/XXXX I paid for a seat upgrade on a common airline carrier and expected that I would receive a reimbursement for the remaining discretionary airline spending that I still had left in my account. I first called FNBO in mid-XX/XX/XXXX and was told that I would be receiving the reimbursement in two weeks, then I called again in early XX/XX/XXXX and the same thing was said. I finally made a formal complaint on XX/XX/XXXX or XX/XX/XXXX after MANY customer service calls to FNBO and XXXX XXXX. The last customer representative I have been emailing is XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ) and he informed me that I would get the credit " soon ''. The story is the same, after many calls to customer service on both ends I still have not received a dime. It has been almost or about three months since this issue began. I just want to move on and put this issue behind me. I hope I have provided enough information. Thank you very much to the CFPB and your agents for your help and your continued service. Please have a good day!

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 2018-04-20
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AES has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 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 2023-09-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and XXXX is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These XXXX accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In XXXX there were several accounts opened in my name and I contacted all five of the creditors. Three of them closed the accounts immediately and removed them from the tri merge credit report. 2 of them both XXXX XXXX refused and they still show charged off accounts I did not open. On XX/XX/XXXX I was falsely XXXX on XXXX XXXX charge which was dismissed in XXXX. However, I was under the order of the court not to go back to my home until the case was settled. From XX/XX/XXXX to XX/XX/XXXX I was living in XXXX, AL and various hotels throughout my of Florida and Mississippi. In XXXX of XXXX an account was opened with XXXX XXXX in my name. I was not allowed to go to my home but an account was opened in my name. I have all the court documentation. This year on XX/XX/XXXX an account was opened in my name with XXXX XXXX XXXX which I had no idea of until XXXX of this year. This account was paid by someone 3 times and then went delinquent. 

I disputed all of these accounts with Transunion and but a consumer statement on my account in XXXX to contact me before extending credit and only one car loan company has followed my request. Now my credit score is drastically lower than the 670 in the summer when this card was opened. That is not right or fair. The creditors were notified that these are not my accounts but continue to list them on my report. Please Help!

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 2023-01-23
Company: WELLS FARGO & COMPANY
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:
There was a glitch in the banking system showing DIFFERENT DATES AND MONEY OWED AND extra charges and fees that were added and a mistake with an employee who was notified to take a payment out directly on the XXXX and failed to do so which caused me to go over 30 days late pluse extra charges and fees and it was added to my credit report as a 30 day late and I can't get it off. Beyond angry and upset I can't get it off my record now I tried to dispute it through both bank and credit bureau with no luck. It's my only 30 day late in a XXXX loan with Wells Fargo XXXX I would like to get these fees reversed and have this one 30 day late removed from my credit report. REGARDING MY CAR LOAN WITH WELLS FARGO CAUSED BYE HUMAN AND SYSTEM ERROR. THAT HAS COST ME EXTRA MONEY IN FEES AND CHARGES AND HAS BEEN EFFECTING ME AND MY CREDIT EVER SINCE. THIS IS UNJUST AND FRAUDULENT.

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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Kept receiving overdraft notifications a eventually had to close account.

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 2021-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My employer XXXX XXXX XXXX XXXX executed an unauthorized debt from my bank account at USAA FSB. The bank allowed the unauthorized debt to be executed even though there were insufficient funds in the account and transferred funds from a secondary account to fund the transaction. The bank 's overdraft policy is problematic in that it transferred money to satisfy the ACH Debit but it doesn't transfer funds to cover day to day debit card charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had three cd accounts that I paid and full and close but I dont see anything showing that I did it still showing as opened on XXXX XXXX  and on TransUnion. Can you verified it and update it and send me a updated report for me to confirm

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 2023-06-28
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:
I received my credit report on XX/XX/26 and noticed hard inquiries that didn't have a permissible purpose on my report. These hard inquiries are hurting my ability to get approved for financial products that can benefit me and my family. I already contacted the credit bureau about this, and they are unwilling to assist. My rights under 15 USC 1681 b. have been violated. I have attached the hard inquiries that have no purpose on 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 non-monetary relief
Consumer complaint received 2020-12-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Purchased item from XXXX add. Used PayPal as payment. They did not send me the item I ordered. PayPal says I can get refunded if I ship item back. Item said it was coming from USA. I need to ship item to XXXX according to PayPal. The shipping cost which needs to have tracking according to PayPal will cost XXXX dollars. Just a little more then what I paid for the item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: PA
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 XXXX Account XXXX XXXX XXXX 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 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

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 2023-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX posted incorrect late payments on my credit reports. I was unable to qualify for a home and this issue has been devastating to me and my family. Starting in XXXX, XXXX promised to remove two last payments if I made three timely payments in a row. They did not correct the issue. Furthermore, they also confirmed that my loan was approved for forbearance between XXXX to XX/XX/XXXX. My accounts still show XXXX late payments on them each. I have contacted them multiple times and have had no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-07-31
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has no proof that I owe them this debt. I have contacted them through mail stating that if they can not validate this account, they should not be reporting this to the credit bureaus because the information is invalidated. They have been compliant upon delivering proof to me in writing of the validation. It has been a full 30 days and still no response and still reporting this invalidated information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A lot of things is on my credit report that i do not identify with.

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