BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my XX/XX/XXXX mortgage payment in two different payments on XX/XX/XXXX and XX/XX/XXXX. I had to do that because Rushmore Loan Management changed my balance due AFTER I had already made my usual monthly payment ( which was 2 weeks before the due date ). 

Because I did not send the full amount due, they assigned my payment to principle. When my second payment went thru, they did the same thing. So, it looked like I did not make my XX/XX/XXXX payment. When, in fact, I had paid the full amount by XX/XX/2023. 

On XX/XX/XXXX, I received a default notice from Rushmore Loan Management in the US Mail saying I had not made my XX/XX/XXXX payment, which was false. They threated to begin default processing on XX/XX/XXXX " if I didn't pay '' -- which I already did. 

I have since shown my bank records and proven to Rushmore Loan Management of their mistake. They said they " mis-assigned my payment. '' Clearly their mistake. They admitted it. I can share with CFPB the reference number that connects to my recorded conversation with the Rushmore Loan representative, if needed. 

I wanted to advise you that I believe their loan collection tactics are aggressive, unnecessary and boarder on fraudulent. I have been their customer for more than a decade. I pay every month. They can see that. They made no attempt to reach me or to ask if there was something they had missed. They immediately jumped to default notices. 

It's a disgusting business practice that they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have lived at my home for XXXX months. I have repeatedly requested that they complete an escrow analysis in order for my payment be calculated correctly. I sent tax bills to the company and they still have not done so. I sent the tax bill on XX/XX/2021 and they in turn paid my taxes and my neighbor 's taxes out of my escrow account. I went to the tax office and inquired as to why. I was told it was an error on the part of the mortgage company. I have contacted the mortgage company AND provided the required information to them to correct the error and my escrow account still has not been credited and I am unable to get a date from them as to when this will be corrected. As a result, my escrow account is negative over {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone gave me a check and chase asked him if he was the one that gave the check he did not understand the question and answered no so in return chase returned the check and fast the person that gave the check corrected himself and got it on his account as a note Still chase has closed my account and from there i tried opening my account XXXX times it was closed every time Till someone at the bank told me to come back on the XXXX of XXXX and i did and she told me it should be ok Then i added a check of XXXX from the same company that gave me the last check And again chase is closing my account and will not help me and saying stuff that dont make any sense And Im not being helped at all Im being treated like Im not honest at all i need help and i need it fixed Im behind in my rent my credit cards because of this Im in a very bad situation because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX Balance : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: PNC Bank N.A.
State: MI
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:
Activated ten percent rebate offer on PNC XXXX XXXX XXXX XXXX for charge made to XXXX XXXX ( XXXX ) hotels. On XX/XX/2023, the terms of the offer were met through an advance purchase processed on the XXXX XXXX website. Part of the transaction provided to enter my XXXX XXXX number. The process was completed and the advance payment was made to the XXXX. A confirmation from XXXX was received. The dates of the actual reservation were XXXX - XXXX. 
The charge of {$540.00} was billed to my credit card on XX/XX/2023, which was within the terms of the offer. However, the account was charged to XXXX rather than XXXX. PNC refuses to honor the rebate as the system shows the charge as not being made directly to XXXX. 
I processed the offer according to the stated terms and believe one of the vendors, XXXX, XXXX, or PNC XXXX, is engaged in a deceptive practice. Both XXXX and XXXX deny responsibility for the offer and claim this is an issue with the PNC XXXX XXXX XXXX XXXX. 
Documentation is available as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution XXXX not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information XXXX be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information XXXX be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
So Exeter finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NV
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:
There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXX is violating my right per fcra please delete off my credit report attach is the court order

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Transform Credit Inc.
State: GA
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:
TRANSFORM CREDIT INC XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX I disputed these inquiries because I do not recognize them nor did I authorize them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This Bank keeps contacting me stating I am in default and chargiong me late fees and interest charges even though I have paid all of my mortage payments on time. I have sent copies of cancelled checks indicating the same to the Bank twice, and called them over the phone multiple times without results, and my credit ratings have suiffered due to the Bank 's mistakes..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Transunion has bought my information without my permissible purpose and has access to all my information. Transunion, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of 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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Friday shortly after Bank of America opened ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) I entered and proceeded to be ushered to the teller to make it withdrawal that I make normally around Ohio with the same basic procedure. I realize the Bank of America employees dressed very well in contrast to myself that dress very modestly. I could tell this made her feel uncomfortable, And or thought that I was out of place. I confirmed my identity by providing my photo ID at that point the teller texted me a code to my phone in order to confirm who I was by signing into my online account which her computer would confirm the success a regular procedure that usually occurs. To teller also asked me my social security number in which I provided off the top of my head without going into my wallet. The teller to ask me a few more questions to confirm and then she also couldn't accept any of the information I gave her and after trying very hard I was unsuccessful in making a transaction as I walked away after explaining to the teller that I can still make transactions online pay bills move money around but I just need to get money to fix my car she laughed and her coworker the XXXX XXXX XXXX XXXX I believe said that's not funny and I didn't realize what that meant until I went to a bank which I knew was more familiar with me from pass withdrawals and this teller froze my account beyond any freezing I have ever been frozen before and after identifying myself to the extent that I did and her not accepting that this was my identity I realize that this was discrimination

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 2021-12-21
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor is XXXX XXXX and the collection agency is EOS CCA. When I was first made aware of this account by checking my credit report I contacted them and advised this was not my debt and requested immediate removal since I was in the process of trying to qualify for a mortgage. I was informed that the only way the debt would be removed is if I pay the entire balance even if the account was not mine and they would then delete it from my credit report within 7-10 business days. It has now been months and I contacted the company to inquire about the deletion and the new representative told me that their company does not delete negative information from consumer 's credit reports. I proceeded to explain the debit was never mine to begin with and that the only reason why I paid it was because I was told it would have been deleted immediately upon payment. Following my conversation, I have attempted to dispute with the credit bureau 's but they continue to say the account was verified, but have refused to send me the proof of what documents were provided to verify the account as I have asked Under the Fair Credit Reporting Act, 15 U.S.C. 1681g. That request was ignored by the collection agency and the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account # XXXX reporting to Experian and XXXX and Account # XXXX to XXXX. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly.

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I dont have exact dates, but what it was in between the years of XXXX and XXXX ATM fee withdrawal fees

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 2023-05-03
Company: CITIBANK, N.A.
State: IL
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 tried to chat online for XXXX miles will be credited to my XXXX XXXX flier membership account after spending {$2500.00} in first three months. Representative told me to investigate this & will resolve problem but never happen. Then I called Citi/Aadvantage tall free number, talked with XXXX, she told me that there no offer like that. I have email that they sent to me & Statements of credit card which will prove that I have spent more than {$2500.00} as they require.

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 2023-01-12
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

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 2022-08-15
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter addressed to Transunion last XX/XX/2022 requesting that they conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for them to respond and yet they have sent me nothing. Transunion must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates 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