BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: U.S. BANCORP
State: MN
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 USBank checking account because I received a personal invitation through email that they are offering {$200.00} bonus if I open by XX/XX/18 and do what is stated in the email ( such as Direct Deposit etc. ). It has a unique offer code, and non-transferrable, which means it is specifically for the email recipient ( me ). Please see attachment. I did so, but till today, I still have not received the bonus. I contacted, and the agent said I was not qualified because I had a checking account before. Then my question is why they sent me the email in the first place knowing I already had a checking account ( which was already closed months before I received the invitation ).

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 2020-05-11
Company: RENASANT CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have two charges that were unauthorized charges to my Debit Card. The amounts are both identical amounts of {$92.00} and the date for both is XX/XX/2020. The total disputed amount is {$180.00}. The transactions are from XXXX and XXXX. I did not order anything from these sites. Even if I did, it is almost statistically impossible for two orders to be the exact same from two different sites. It appears the sites attempted multiple times to run a transaction through when they had the incorrect number and finally input my debit card number by mistake and charged my account. The bank will not correct the 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 2021-08-19
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: Account information incorrect

Complaint:
on XX/XX/2021, i sent a letter to transunion about some incomplete and inaccurate items that there are reporting on my credit report and has not verified them.i sent it usps certified mail w/tracking # XXXX and hasn't heard from them as of yet. 
on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX and hasn't been verified, on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX about inaccurate information as well with no verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 previously submitted a completed Identity Theft Report # XXXX. In regards to fraudulent accounts on my credit file. They were not deleted or blocked to show my true complete and accurate information. My Identity was stolen.

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 2018-10-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid my account every month on time and had autopay set up. I have always paid and continued to pay even after my car was totaled and everytime I was asked to pay i paid. When it got totaled they told me to wait until the insurance and gap company paid so I know the amount that I needed to pay. Because it took so long because I was driving for XXXX and was online and the insurance company I had denied the claim and I disputed it again and then XXXX 's insurance ended up covering it. But there was a deductible of {$5000.00} which I asked do I need to pay it all? They said no just wait until the gap insurance pays. So I waited and then i get a call from a collector saying it was charged off when the entire time I told them I had the money to pay and they kept telling me to wait. Now I have a charge off on my credit when I have never had a mark on my credit ever. Please assist me in getting this fixed/resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a set of wheels for my XXXX in XXXX of this year. The wheels arrived damaged, I sent them back. The reshipped me the wheels only to arrived damaged again. The business asked me to send them back yet again. They provided me with shipping kabels which I attached to each of the 4 boxes and sent back to the conpany on XX/XX/2018. After the company received the wheels back they refused to refund my money. I contacted Discover Card which I used to purchased the wheels and started the claim. I provided the tracking info which showed the merchandise was returned and signed for. after 60 days Discover denied my claim stating no return proof. I called and spoke with a supervisor and provided the tracking info again, even uploading it to their website. They assured me that was all they needed. Fast forward to The end of XXXX and they reverse the charge again, i call yet again and again they claim i never provided proof of the return. Its clearly on the Discover website under uploaded documents. Now since it has been more than 120 days the tracking links are now dead, as XXXX only keeps records for 90 days. I spoke to the corporate office of XXXX who stated they cpuld see where back in may the tracking had been verified by a manager during my call, they would take care of it. I receuved a phine call today from them stating they are not revera8ng the charhe and I now owe XXXX for a product i sent back 6 months agao and I shpuld call the merchant and resolve it with them. They now are expecting me to pay {$4000.00} to them for something I semt back 6 minths ago!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXI have never had an account with this company DISCOVERBANK XXXX XXXX REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DISCOVER BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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:
the date of last service are reporting inaccurate on the accounts, this is a violation.

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 2018-02-02
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a formal complaint against MERCHANTS & MEDCAL located in XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received a property foreclosure notice by mail from XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/2019 for the sale of my home by mail XX/XX/2019. Tennessee law states the homeowner is suppose to receive the foreclosure notice 30 days prior to the sale date. 
I have submitted a modification request to my mortgage company Shellpoint Mortgage. 
I don't want to loose my home. 

Please, Please, Please, Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted a financial hardship package with XXXX XXXX 3rd party source, they verified Rushmore received a full financial package,. Rushmore failed to communicate with our representatives in timely manner and we have received a foreclosure notice for XX/XX/2019 Rushmore told us we are not eligible for a full review,, they also have failed to communicate alternative program options for us and we have exhausted all our options and do not have the funds to re-instate the loan Rushmore is know to not return calls, and fails to communicate efficiently. Agents are not trained property to be sensitive on the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent CREDIT ACCEPTANCE CORPORATION a cease & desist letter and they are still communicating through a medium, to each consumer reporting agency, without my consent. XX/XX/2021 they received my first cease & desist letter but it's not being honored. So I am sending another one demanding to stop all forms of communication, XXXX  out the account, mail my car title, remove from each consumer reporting agency, and pay the invoice for the injuries. If this matter isn't handled, the next step is lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: The CMI Group, Inc.
State: IL
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:
While viewing my credit report I'd notice Credit Management Lp with a balance of {$470.00} which I do not recall. I will like documents bearing my signature of this assumed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: Lending Club Corp
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I submitted a complaint in XX/XX/2019 XXXX and LendingClub did the same thing! 

Letter to LendingClub, uploaded same issue as before tried to pull from an account that I have ask them to never use/remove! To be safe I changed and you can see the screen shot is XXXX only!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received two bills from XXXX billing and collection. Date on letter was XX/XX/XXXX. I received the notice XX/XX/XXXX. Responded to both notices I received. Document for medical imaging was paid through a financial assistance program through the hospital XXXX. in Idaho falls. For XXXX XXXX XXXX. I was under payment arrangement with hospital. Hospital failed to contact me sent bill to collections. Asked collection agency to validate both debts. Never received any confirmation. I went into company approximately XX/XX/XXXX I asked them to send me a letter validating the debt. I was told they don't send letters out and if I wanted written communication I would have to leave a self addressed stamped envelope. Said they would communicate via email. Gave them my email. They have not communicated with me at all. I don't see how this is fare practice. I would also like to fine a complaint about mountain view hospital. I pay my bills. I tried contacting them to continue our payment arrangement. I left messages. They failed to contact me and sent my bill to XXXX billing and shipping. Who are rude and don't even validate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I didn't make these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Please advise. Thank you. Here is the list : XX/XX/XXXX XXXX XXXX TN Gasoline {$29.00} XX/XX/XXXX XXXX XXXX XXXX   TN Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX TN Gasoline {$27.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$23.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$82.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AR Gasoline {$57.00} XX/XX/XXXX XXXX XXXX XXXX AR Restaurants {$22.00} XX/XX/XXXX XXXX XXXX XXXX   AR Gasoline {$50.00} XX/XX/XXXX XXXX XXXX XXXX TX Gasoline {$34.00} XX/XX/XXXX XXXX SC - # XXXX XXXX AR Merchandise {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX TX Gasoline {$31.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX TX Gasoline {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX   OK Gasoline {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$51.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$18.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$27.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 02653R Restaurants {$13.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$84.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$53.00} XX/XX/XXXX XXXX XXXX XXXX NM Gasoline {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX NM Gasoline {$12.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$5.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$60.00} XX/XX/XXXX XXXX # XXXX XXXX OK Merchandise {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX OK Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX OK Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX AR Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX GA Gasoline {$77.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX MS Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX AR Gasoline {$23.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I contacted TransUnion and explained that I have not requested to open any new account or anything but there are inquiries that do not belong to me on my credit report. I have submitted a FTC identity theft report to them as well in the past explaining that my identity has been stolen in the past. I am asking that the following inquries be removed from my credit report XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX Card XX/XX/XXXX. I have called and called and called each time I am told something different & the fraudulent inquiries are still listed.

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 2020-08-21
Company: Waypoint Resource Group, LLC
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:
I have a loan with XXXX and WAYPOINT ( Original Creditor : 11 XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX and WAYPOINT ( Original Creditor : 11 XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, I have purchased an XXXX from XXXX XXXX paid in full. They kept sending me bills saying I have't not paid even though my credit card statement said otherwise. With months of back and forth with the company, they finally told me they have resolved the issue. However early XX/XX/XXXX, they sold my supposed debt to a collections agency and ever since then I have been harassed by them at least twice a year. I have send certified emails to these debt collection agencies saying I do not owed anything and yet they kept selling my supposed debt to other collection agencies. 

Recently XX/XX/XXXX, I got a mail from XXXX XXXX XXXX debt collection once again saying I owed this supposed dent. I once again send them a certified mail saying no I do not owe. XX/XX/XXXX, they send me a mail saying they reached out to XXXX, their client and their records indicated that I still owe and need to provide them with proof. Which I have credit card statements and payment confirmation from XXXX that I have already paid back in XX/XX/XXXX. This is emailed to them and will also send a paper copy via certified mail. 

The supposed debt i owe is XXXX. Please help me to stop convergent from harassing me repeatedly when I do not owe money to them or 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