BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called up my loan company Rushmore Loan Management during the month of XXXX they advised that they would give me a loan payment plan of 12 months and that my first payment of {$2700.00} would be XX/XX/2022 and said that I would be getting my letter to what was said and agreed as of today 's date I never got the letter and called on XX/XX/2022 and advised them that I needed a 1098 because I had no way of printing the document. As I was speaking to the rep I then find out from the rep that this was denied cause I did not make a payment XXXX I was never told to make a payment XXXX therefore how could I have known when it was agreed to pay {$2700.00} beginning XX/XX/2022 and I was never given a letter to this affect I am now told that I needed more money when it was already agreed to the amount and the payments to be paid over a 12 month period beginning XX/XX/2022. Mortgage company seems to not remember what is agreed and reps want more money than agreed in order to avoid calculating the 12 monthly payment plan. Mortgage company is keeping the customer in the dark on the status and at the last min wanting more than what is agreed in order not to do paperwork to assist customers. Mortgage company continues to keep customers in the dark with no notification of status as it is verbally agreed on a recorded call. No one wants to agree to something then be surprised, this is exactly what is happening with this company the customer can not do a payment when they are not aware of a payment then be penalized when the rep who works for the company told the customer when the next payment is going to be on the scheduled payment plan it makes the company look bad and affects the trust that customers give which now is at a all time low because the company is not doing what is said even though they are being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
company has not follow protocol as to remove items from my file that is not mines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: SANTANDER HOLDINGS USA, 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: Credit inquiries on your report that you don't recognize

Complaint:
I hope this message finds you well. I am writing to formally request the removal of an unauthorized credit inquiry that appears on my account. The inquiry in question, made on XX/XX/XXXX and XX/XX/XXXX was not authorized by me and therefore should not be reflected on my account. 

I understand the importance of accurate credit reporting and compliance with the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any credit inquiry must be authorized by the account holder, which is not the case with this particular inquiry. As such, I kindly ask for your immediate attention to this matter. 

Please initiate an investigation into the unauthorized inquiry and take the necessary steps to remove it from my account. I also request that you provide me with written confirmation once the inquiry has been successfully removed, as this will help ensure the accuracy of my credit report. 

I appreciate your understanding of the urgency of this issue and your commitment to resolving it in a timely manner. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX was outsourced by SchoolsFirst FCU to pursue DISPUTED DEBTS over 8 years old. The DISPUTED DEBTS are TIME BARRED XXXX DEBTS which can no longer be legally pursued or reported. On XX/XX/21. XXXX XXXX ran a HARD INQUIRY. After speaking with the Collection XXXX of SchoolsFirst, it was mentioned that THE HARD INQUIRY SHOULD HAVE NEVER HAPPENED. I again, demanded that all tradelines be removed under FDCPA and FCRA laws and the response from XXXX, the SchoolsFirst was " these are due to fall off very soon. ", as an attempt to reason with the complaint brought forth. 

XXXX XXXX XXXX is taking advantage of their credit reporting and viewing abilities, in hopes of extracting payments for old XXXX debts, by XXXX consumer 's credit reports, and claiming that the inquiries are for the purposes of location information, even though both creditor and collection agency have accurate information. This is a common practice for smaller debt buyers and/or collection agencies looking to extract funds from consumers who don't understand their consumer rights at the federal and state level. 

They will continue to run your credit report in hopes of driving down your score, 2, 3, 5, even 8 years after the disputed " last date of payment ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Shellpoint Partners, LLC
State: MS
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:
My mom, them left Me some land and they had some loans on the land now that the mortgage has win IN XXXX closures. So they're trying to put the loan on my credit history that I did not XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a TD bank checking account online over seven days ago. Had my payroll check for XXXX deposited into my account. Transferred {$370.00} into the new account also. Debit card did not come and I needed some cash so stopped into the TD bank on XXXX XXXX XXXX in XXXX Florida on Sunday XX/XX/ at approx XXXX eastern time. I had to wait over one hour to speak to a teller who informed me I could not take funds from the account and that I had two charge off accounts one for XXXX and one for {$1000.00}. The one for {$67.00} I knew about. My identity was stolen from the unemployment system a couple of years ago. TD bank has never made me aware of this {$1000.00} balance and because of prior identity theft I dont even know if this debt is mine. The teller told me the only way to resolve the account was to pay this in full otherwise my funds are on hold and owed to TD Bank. my car is supposed to go into the shop Tuesday. My air conditioner broke in my car and I have two diseases. I think it is unfair of TD bank to keep this {$1000.00} without my prior knowledge of this debt. I want this refunded to my checking account. My rent is due and this has put me in a terrible position and I am sitting here with extreme XXXX. I am reporting this to the company who owns TD Bank. 

Prior complaint # against TD Bank was XXXX I have been asked why I Bank with TD bank and it is because I truly like TD Bank and the convenience hours on weekends and low account rates but all for these 2 situations I come back to this bank because I truly think it is one of the best in the area. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: CA
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:
XXXX accordance with Fair Credit Reporting act XXXXXXXX The XXXX accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CAPITAL ONE is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
acct with bank of america na is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is 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 2022-08-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX, XXXX ACCT # XXXX, and XXXX XXXXE XXXX ACCT # 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 non-monetary relief
Consumer complaint received 2023-03-05
Company: MoneyLion Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had deposited XXXX and XXXX into my money lion account. I purchased XXXX of that money into crypto current and I also spent XXXX XXXX on XXXX XXXX. My other purchase was XXXX XXXX  for a car payment and another XXXX XXXX  loan payment and also a XXXX XXXX gas station purchase. My account was closed and my funds were put on hold. I was contacted by the bank to provide proof of income and provide my drivers license and a bill of my address. I provided all of these documents and everytime the bank keeps asking for additional information. The second time the bank asked for the person name who sent the money and my relationship to them with that persons ID. I sent that and today i received another email from them asking me to provide more information. I have had numerous bank account and its never been this hard to get my own funds from an account. I will like to report this banking company and I will like my funds to be released expeditiously because this process has put me and my family in a financial burden. I have XXXX XXXX in my money lion account that i currently cant utilize.

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 2020-02-05
Company: SYNCHRONY FINANCIAL
State: AP
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I get calls all throughout the night and early morning my time ( XXXX ) for a card I have with PayPal credit. They wake me and my family up regularly. I try to answer to tell them I am XXXX  XXXX  but the calls disconnect as soon as I answer. When I call back I can not get through the automated phone system to a live person. Also, the payment they are calling about I have a scheduled payment to be done on my next payday. I've attached a screenshot with all of their most recent calls to my phone with a time stamp.

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 2023-01-07
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:
In accordance with the Fair Credit Reporting act XXXX  has violated my rights : 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 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 2023-03-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
* XX/XX/XXXX - XXXXComenity Bank continued to charge me {$6300.00} plus {$15.00} interest for something ( a puppy ) that I never received or took possession of. 

* I am being charged for a {$6300.00} store credit that was created by XXXX when I changed my mind about purchasing a puppy on XX/XX/XXXX. 

* I initially visited XXXX on Friday, XX/XX/XXXX. A sales agent asked me if I was interested in knowing what the monthly payment would be on the puppy I was looking at. I said sure. I did not authorize XXXX to process a credit card application. I was subsequently told that I had been approved for a purchase. Three days later ( XX/XX/XXXX, after not picking up a puppy, I visited XXXX and informed the manager that I changed my mind. Instead of reversing the transaction, the manager told me that I had to accept a store credit and pay Comenity Bank. I do not have a puppy and I never took possession of a puppy. 

* XXXX XXXX management informed me on Tuesday XX/XX/XXXX ( in the store ) and Thursday, XX/XX/XXXX ( via phone ) that I must pay Comenity Bank {$190.00} a month to pay off their {$6300.00} store credit for 3 years regardless of whether I ever use the store credit or not regardless of whether I ever get a puppy from XXXX. 

* Comenity Bank sent me a XXXX credit card that I never activated. An adhesive strip attached to the credit card states " Call BEFORE USE to CONFIRM RECEIPT of your credit card and hear how to receive a {$20.00} GIFT CARD. '' * XX/XX/XXXX - I called Comenity Bank and disputed the charge on a credit card statement that closed XX/XX/XXXX, which I received in the mail. I was told that the matter would be investigated and I should get a letter in the mail within 30 days. 

* When I told the Comenity Bank representative that I never activated the XXXX credit card, the representative said XXXX activated it in the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
received email from company asking for more information according to the credit report it was sold to another lender.the account was opened with a joint account for XXXX XXXX XXXX XXXX, my social is XXXX, the remarks on the credit report says chargedoff sold to another lender, the account has a XXXX balance but a high balance of XXXX dollars the amounts are in correct.the car has been sold and should be removed from both of our accounts, they do, t have a record, requesting for more in formation, I called the company and barefied their response we don, t have any information .im asking for this to be moved from our account.the car was purchased at XXXX XXXX in XX/XX/2014, it was closed XX/XX/2014, XXXX XXXX my social is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TD BANK US HOLDING COMPANY
State: MI
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:
Paid off debt in total to Target National Bank approximately 7 years ago. I never heard anything more from Target National Bank. 
Received a Form 1099C this year, indicating that the debt had been cancelled and that I had to claim as income on my taxes. 
Contacted them to correct this error. I have not received a reply by mail or phone and tax filing date is a month away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Commonwealth Financial Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Calling from different phones numbers to my cell phone and claiming to be calling from a law office. They called from phone numbers XXXX and XXXX ; they never advised on what debt they were collecting, they did not answer me when I asked who they are collecting for, they did not give a dollar amount. Theyre rude and hung up when I asked for documentation. They then called back and advised they are freezing my bank accounts, and seizing my income and properties before court and I will be served for court. & Again they hung up when I advised them to stop calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received written notice about the debt on XX/XX/XXXX and contacted the company on or around XXXX XXXX to attempt to resolve the issue. I am contesting the debt because it is a medical bill that the provider did not run through my insurance. When I spoke to the representative she told me that I could not dispute the debt, that the debt was medical and they were not able to communicate with the debt holder or transfer the debt back, and that my only option was to pay. The letter I received stated I could call or write to dispute the debt by XXXX XXXX. I have since received a second letter stating the debt is still owed, and no action to verify the debt or get me in contact with the original creditor has occurred.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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: Was not notified of investigation status or results

Complaint:
I have been disputing derogatory public record that is on my credit. On XX/XX/XXXX I opened a dispute report # XXXX with XXXX, XXXX and Transunion. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, XXXX  and Transunion and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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