BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 
Account # XXXXXXXX XXXX Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 : XXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$150.00}

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 2021-02-19
Company: BCO Consulting Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2020 I had a conversation with BCO Consulting Services. They had me convinced that they would help manage my student loans through an income based forgiveness program for a service fee of {$990.00}, which I recently discovered to be false information. They had me sign some paperwork - all of which was read thoroughly which tells of how convincing they were. I will attach that paperwork to this claim. Overall, they have taken {$390.00} XXXX {$190.00} on XXXX XXXX, {$190.00} on XX/XX/XXXX XXXX. My complaint is that they claimed to be working with my student loan providers, but I called my student loan provider and they directly told me that they do not work with 3rd party organizations, therefore, they do not work with BCO Consulting Services. So, I am requesting my money back from this organization because they falsely told me that they could work with my student loan provider, when in reality, my student loan provider does not and will not work with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I discontinued my auto insurance and USAA credit card with USAA effective XX/XX/2021. ( the end of the 6 month cycle ) On XX/XX/2021 they withdrew, what should have been, the last payment out of my checking account. However, they then took two more unauthorized payments out of my checking account on XX/XX/XXXX and XX/XX/XXXX. I sent USAA two dispute documents from my bank citing those two withdrawals. USAA has made all kinds of excuses but has not returned those two withdrawals to my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$41000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$980.00} XXXX XXXX XXXXXXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF ED/XXXXXXXX XXXXXXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$0.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

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 2023-08-01
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received an email from Citibank informing me that I was late on my payment ( it did not say which account ) but the balance was {$780.00} I immediately called them since our actual balance was {$5.00} on the only card we had with them. 
Initially, Citibank would not give me any information as to which card this email was referencing to or what were the charges made. 
After several calls to them, they gave me the last 4 numbers of the card in question ( XXXX ) and stated the card was opened on XX/XX/XXXX. I told them I never had a card with that number, and asked why this was the first time I was notified of this account through an email. I requested a copy of any statements they had, and asked again why I had never received any statements or correspondence on this card. 
Once I received the statements, I saw the card had just been used on XXXX XX/XX/XXXX at a local XXXX 's XXXX for the amount of {$600.00}. 
I obviously had not made that transaction, and told them so. On XXXX XX/XX/XXXX, Citibank put a freeze on the card in question, after discussing this with them once again, and they indicated their Fraud Department would begin an investigation. They also sent me an email advising me that the investigation was ongoing and no further action was needed on my part until the investigation was finished. Citibank has continued to send me weekly emails telling me I am late on my payment and until recently ( stopped at my request ) was receiving daily calls asking me to make a payment. I am still receiving emails telling me I am late on my payments and they have even added late charges to the original amount. 
On XX/XX/XXXX I received another email from Citibank telling me to check my XXXX Score and to see why it had changed. I opened their link to the XXXX score and saw that my score had gone from XXXX to XXXX. 
On one of their latest emails dated XXXX XX/XX/XXXX, the statement balance is now {$960.00}. 
On the most recent email dated XXXX XX/XX/XXXX, Citibank indicated that this account will be referred to a collection agency. 
We have been working with XXXX XXXX with XXXX XXXX XXXX, and have contacted Citibank on numerous occasions trying to resolve this issue but have gotten very little support from Citibank. After initially contacting them on XXXX XX/XX/XXXX, we were told that they would open an investigation, and they would notify us with their findings. It was months later in XXXX, when we contacted them once again, we were then notified that they had closed the investigation three days after the investigation had been initially opened ( XXXX XX/XX/XXXX ). We never received any official notification from Citibank about this investigation being closed, as we had been told.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XX/XX/23 I received notification from MOHELA that I was on the SAVE plan. This is great because I was on IDR before and on PSLF track since I work for the state. For the consolidated loan my bill was {$0.00}. However, there was only one loan listed on there. I asked them what about the others because I have more than one loan on the account but the total due said something around {$210.00}. I received a notification back to give them a call to discuss this after asking this. I tried. I am unable to get through on the phone. 
On XX/XX/23 I emailed again because I am unable to get through on the phone. I was on the SAVE plan and then suddenly without warning I am on the LEVEL plan and my bill triples! I have now tried contacting them multiple times via phone and email. Both go unanswered. I have sent additional emails on XX/XX/XXXX and XX/XX/XXXX and still have yet to receive a response. I recently resubmitted my IDR documents on the XXXX website since they took me out of SAVE and still my payment is showing double what it was and I can't seem to get anyone on the phone or to answer the emails to find out what's going on. I am not going to be able to make the payment they are requesting and I can't even get in touch with anyone about that. They have no problem sending me a bill and changing things on me without warning but they are not able to answer? I am so frustrated with this whole process. It's bad enough they won't count half my time as a public service worker for the state towards my PSLF progress, to have these troubles on top of it is just absolutely ridiculous! I need help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know what the debt is- this is not my debt. disputed and was removed from Equifax report. please remove from my other reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00}

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 2020-08-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband, who is the sole provider of my household, owns a travel agency which has been directly impacted by the covid-19 pandemic, resulting in financial hardship for our family. I have communicated this information to my mortgage lender - Rushmore Loan Management Services - both verbally and in writing, asking for a forbearance plan for our mortgage payments. They provided us with a payment deferral plan from XXXX ; however, when I asked for an extension of the existing payment plan or to be put into a forbearance plan due to our pandemic-related financial hardship, they mailed me a multi-page package requesting detailed information about my monthly income and expenses, as well as a copy of paystubs, bank statement from all my accounts, signed and dated tax returns, and last 3 months of Profit and Loss Statement signed and dated, among other things, in order to review and determine my qualification. 
I would like to know my rights in this situation and if I am indeed required to provide the information requested on this packet in order to receive a forbearance from my lender, because according to CFPB 's website " Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, and guidance from federal agencies and the GSEs, there are two protections for homeowners with federally or GSE-backed ( XXXX XXXX or XXXX XXXX ) or funded mortgages : First, your lender or loan servicer may not foreclose on you until at least XX/XX/2020. Specifically, the CARES Act and the guidance from the GSEs, the FHA, the VA, and the USDA, prohibit lenders and servicers from beginning a judicial or non-judicial foreclosure against you, or from finalizing a foreclosure judgment or sale. This protection began on XX/XX/2020, and extends through at least XX/XX/2020. 
Second, *****if you experience financial hardship due to the coronavirus pandemic, you have a right to request and obtain a forbearance for up to 180 days. You also have the right to request and obtain an extension for up to another 180 days ( for a total of up to 360 days ). ***** You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. *****You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship. ****** '' Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There was an account opened under my name without my knowledge. It was a TD bank checking account. As a result they used {$2100.00} and the account is in the negative and wont let me open a new one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 AN UPDATE!!! The following accounts are still reporting after multiple disputes. 
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 15 U.S.C 1681 Section 602 ( a ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states 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 2016-09-02
Company: Arbor Residential Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have spent a year ( so far ) trying get all reimbursements due on an insurance claim from Seneca. They hold the money from the insurance during this arduous, redundant process and appear to be incapable of performing their responsibilities. Since XXXX 2015, I have been told 4 times that a check will be sent and still have not received XXXX. Each time I call, they are unable to track the check or confirm one was even mailed. Today I was told the same, the had to provide the loss information again so they could create a new " claim '' in order to generate a " draw ''. I have wasted way too much time trying to get this last {$100.00} from them and pursue this only as a matter of principle. I 'm convinced they intentionally make the process arduous in order to keep money as long as possible. This is just the latest problem we have experienced with Seneca. My previous compliant at least resulted in a positive change to make claim forms available online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent in Dispute letters to XXXX, Transunion, XXXX. To have unauthorized inquiries removed. I received letters from the reporting agencies XXXX Stating that theyre unable to remove the inquiries that I never authorized. I am requesting that all inquiries be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.

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