BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 2 federal loans and one private loan being serviced by AES. For over a years, I have been making more than the monthly minimum payment. I have asked AES by phone and in writing with each payment that it apply my payments first to interest and then extra amounts to paying down principal on each loan. Instead of doing this, it continues to apply my payments to future payments, such that my monthly payment amount is always zero dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: MCMC Auto LTD
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had co-signed for an ex to purchase a vehicle from MCMC in XXXX XXXX, TX. We ended our relationship soon after. She let the vehicle go into repossession. The company failed to notify me of the repossession to at least give me the opportunity to assume the loan and they never contacted me with notice of collection or intent to report to the bureaus. I contacted the company some time ago and they said they would remove the account from my credit report if I were to dispute. I have disputed and they changed the status from " Involuntary Repossession '' to " Voluntary ''. I have contacted the company SEVERAL times in the past weeks and now can not get passed an account representative. I have left several voicemails with what I am told is a supervisor but I have never received a call back.

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 2020-06-05
Company: Experian Information Solutions Inc.
State: NV
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 accounts listed are not mine, nor is my addresses, names. The companies listed also were not authorized to run my credit. Please remove them immediately as this is a second request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a {$10000.00} limit on Capital One credit card. I didnt use it for over 2 years. With XXXX going on and people out of work I am looking to use it but they dropped my limit to {$500.00} without notice plus affected my credit. {$10000.00} gap. I would have to reapply to try to get {$10000.00} limit, not sure why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 an HSBC checking account online on XX/XX/2018 after I clicked an advertisement link on their official website. As per the advertisement I was supposed to get XXXX $ welcome bonus, if i maintained a balance of {$1500.00} for 3 months. I maintained the balance for 3 months and then chatted with them, they said it will take 8 more weeks to get paid the welcome bonus. After 8 weeks I chatted with them again and this time surprisingly they said that I am not eligible to get the welcome bonus, even though i met with all the criteria required. The excuse they are giving is false and vague. They are saying that I did not click the right link to open the account and hence can not get the bonus. First of all why there was a wrong link in their official website to open an account? Secondly when I chatted with them for the first time after 3 months, they did not mention anything about wrong link that will disqualify my bonus eligibility. Thirdly after luring the customers about welcome bonus, why they are deliberately singing them up using the wrong link if thete is any such thing at all? Fourthly why am I still getting the false advertisement email in my registered email id given the fact their intention is to cheat the customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company have not notified me that l legal have a debt with them this company do not have a sign legal contact with me they have no legal right to placed a collection on my credit report attached with there name with out showing me any proof of my signature attached to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a flex loan at Easy Money in XXXX Tennessee back in XX/XX/XXXX the loan was for {$500.00}. I had a few health problems and I got a little behind and explained that to one of their employees. They have started calling my job and relatives over and over again since before XX/XX/XXXX.I have 1 friend that they have been calling everyday up to 5 times.I have tried to block their calls so they harass my friends instead.I feel like me and my family are being harassed and I may have to get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital one reversed a fraudulent charge on my account. Putting my account in the negative after providing sufficient data that the charge was not authorized and the terms were not agreed upon. XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: Colony Brands, Inc.
State: NY
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:
ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX  DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX  HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We are currently working on a refinance with another company. Rushmore services our current mortgage because XXXX  XXXX closed their mortgage division and rushmore took over the servicing of the loan. 

To complete our refinance, we needed a 24 month verification of mortgage ( VOM ). The company we are refinancing with, has completed everything else for the loan and has our borrower 's authorization on file, to communicate with rushmore. The refinance was supposed to close the XXXX of XXXX. 


Rushmore only sent a 12 month VOM when they should have sent a 24 month VOM. The company I am working with, XXXX XXXX, has called over a dozen times to Rushmore and been promised over and over the correct VOM would be faxed that day. This has gone on for nearly two weeks. These calls are all made on recorded lines and Rushmore continues to lie about faxing over the correct VOM by the end of business.

We have had many problems with Rushmore in the past, but this feels like they are lying and deliberately trying to make sure we aren't allowed to refinance. We were told by XXXX XXXX they have seen this problem with Rushmore with other borrower 's as well. We have had multiple problems with them in the past obtaining information about our mortgage. The customer service person always seems nice, but there is always a person above them that is supposed to do the work and never completes the task. You are never allowed to talk to that person and over a dozen calls and nearly two weeks and they have never completed one task they said they would.

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 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I keep have hard and soft inquiries on my credit report and I'm not authorizing them. I am in the process of trying to fix my credit in this is not help with all these inquiries

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 2019-10-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted XXXX and experian on the chapter XXXX bankruptcy that is currently on my credit report. They told me that the public record can not be remove from my credit report file. The Chapter XXXX bankruptcy has been discharged and should have been remove from my credit report. They are telling me that they have to wait on the XXXX XXXX Court to tell them to remove the Chapter XXXX bankruptcy. The court is telling me that they only deal with filing and discharge on the case. I am needing this remove from my report do to it is over 7 years old.

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 2022-10-17
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BK OF AMER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received my morgage statement for XX/XX/2019. I paid the amount shown in full. They casged my check on XX/XX/XXXX. On XX/XX/XXXX I received a notice of late payment plus added late fee. I called and was told the original mortgage bill was in error and that they had sent me an escrow statement and it had my correct mortgage amount on the back. Nowhere on the statement was there anything saying it was a bill. They did not send a bill saying the made a mistake and I owed more money. Instead they send the notice of not receiving any payment at all and I have to pay a late fee and i will be reported to the credit bureau. They refused to delete the late fee. Under duress I paid it. I feel I am owed an apology and a refund of the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted equifax and XXXX  on the chapter XXXX bankruptcy that is currently on my credit report. They told me that the public record can not be remove from my credit report file. The Chapter XXXX bankruptcy has been discharged and should have been remove from my credit report. They are telling me that they have to wait on the XXXX XXXX Court to tell them to remove the Chapter XXXX bankruptcy. The court is telling me that they only deal with filing and discharge on the case. I am needing this remove from my report do to it is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am currently in Chapter XXXX Wage Earner Plan. Recently a creditor reported a charge off to the credit bureaus for a vehicle that my ex-wife has, or had. By the divorced agreement, and the court indicated that she was responsible. I sent these papers the divorce papers and agreement via certified to this company, explaining such in XX/XX/2016. I didn't know that there were arrears at that time, neither did I know the arrears were being paid and included in my current wage-earner plan. In fact, those arrears were paid. I've heard nothing from this company for more than three years, until recently this pops up on my credit reports. Which I feel it is malicious act and may be a violation of the automatic BK stay. I can only imagine they were not able to collect monies for my ex-wife and have decided to destroy what's remaining in my life. I will fight this as hard as I can, even if I have to go to the media. This is malicious.

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 2019-10-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I enrolled in banking offer with a promise of {$700.00} when setting $ XXXX of direct deposit and keeping $ XXXX in savings for 90 days. 

I was committed to using account but still had auto pays such as for home loans from other outside accounts. I was promised that I would be able to use XXXX to transfer to my other bank. 

I did this without any issue the first two months. This last month a few days before 90 day seasoning period my checking account was blocked from XXXX transfers. I was only given option to do so from savings. I made the transfers I needed completed over 15 day period. It did not come to my mind that these XXXX transfers were exceeding a limit and the online site never disclosed prior to the transfer that you are about to go over a monthly transfer limit. All I knew is I needed to make transfers and they were not giving the option to do so out of my checking. 

As luck would have it this triggered {$45.00} in fees which placed my account just under $ 10k so as to disqualify me from {$300.00} portion of the $ XXXX  days before reaching 90 day threshold. Conveniently fees were reversed and representative I spoke to for over an hour on the phone assured me that you will not be penalized against offer as your average daily balance is over this. From my perspective it was they who blocked the checking for reasons beyond my control and in a busy 15 day stretch I had transfer using my savings to pay my mortgage and other creditors. 

Of course they will not take responsibility for their error to block the checking and allow savings. If this was about a security concern then XXXX should have blocked from all accounts. I feel unscrupulous lead to the block in an effort to create the fees that would lead to the account to fall just below $ 10k days before it would qualify for added {$300.00}. 

Please help correct this matter with BMOHarris Bank in 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 2023-02-09
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief