BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, XXXX and transunion upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2021-01-19
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Carmax continues to violate my consumer rights. I have sent an affidavit of truth, debt validation letter, and cease and desist. They continue to harass me on a daily basis, multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
Several years ago, while I was suffering from  XXXX , a local unscrupulous attorney conned my wife into filing for bankruptcy. I was unaware of the filing and did not sign any paperwork. The attorney encouraged my wife to sign my name. I discovered this filing a few months ago by reviewing my credit report for another purpose. The credit bureau has refused to remove the negative information so I asked to place a personal statement in the file and I provided  one  to them. This statement has not been posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a member of m and t bank for a while. I was recently charged several XXXX dollars in overdraft fees for purchases on this account. I understand that the funds were not available in my account for the transactions, but I don't think its fair or in the best interest of the consumer to have the fees far surpass the amounts of the purchases. for example I was charged a {$38.00} fee for XXXX, but the amount for the subscription was only {$12.00}. there was a {$38.00} fee for XXXX XXXX, but the purchase was only {$13.00}. I got gas at XXXX XXXX for {$10.00}, and {$5.00}, but was charged a {$38.00} for both of those transactions. when I called the bank to see if there could be any reversals they reversed three of the fees which at that time totaled approximately {$240.00}. She also recommended that I turn off the option to not have transactions post if the funds are not available. a day later I received more fees-although I had not used my card for transactions or made any purchases. I had automatic withdrawals set up that were debited from my account which caused four more overdraft fees in the amount of {$38.00}. I called the bank once again this morning to see what could be done since the fees totaled almost {$400.00}. they removed two more. I feel like this financial institution waits to post charges so that they can intentionally acquire overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Mr. Cooper Group 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: Old information reappears or never goes away

Complaint:
XXXX I have tried to stop Mr Cooper from listing a property that was foreclosed on XXXX years ago. Mr Cooper states that although I did not request a loan modification their system has a algorithm that will automatically request a loan modification even though I did not request XXXX. I am trying to support my XXXX children I am on full XXXX and this property has been purchased by another family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I contacted US Bank on XX/XX/XXXXabout unauthorized transactions on my account and was told there was nothing they could do about them because I was at the establishment and I have to wait for them to post. I looked at my account this morning and I have an overdraft fee. I called and I wanted an explanation and I was told that the transactions from XX/XX/XXXX brought the account negative which is not true. US Bank is attempting to pre charge me a fee on an authorization that is fraudulent and not authorized. This is bad for business. I was not advocated for as a customer. US Bank looked for a way to profit from my loss. This is very distasteful. I asked to speak to a manager and it was refused.

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 2017-06-14
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Unfortunately, I had an auto loan with  XXXX   XXXX   XXXX   XXXX  tha t slipped into collections in the 1990 's, roughly 20 years ago. Recently, a collection attorney started sending me correspondence about this account, and also threatened to litigate the debt. Their contact, and action, is a violation of my rights under several state and federal collection laws. First of all, the statute of limit  ations to sue for this debt is three years in the state of NC. Since this debt is nearly 20 years old, it is a violation of my rights for this attorney to contact me, much less threaten a law suit. In addition to these threats, they have also threatened to send the sheriff to my home.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-01-10
Company: EQUIFAX, INC.
State: NC
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 a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This case filed Satisfaction of Judgment onXX/XX/XXXX per XXXX XXXX XXXX XXXX. OnXX/XX/XXXX H. Kent Hollins of Law Office of H Kent Hollins filled a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX inXX/XX/XXXX We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same 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 2017-06-14
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few months ago, some  XXXX  purchases were fraudulently made using my  XXXX  i.d . and the perpetrator  ( s  ) attempted to pay for them using my Paypal account. I contacted   XXXX   and  Paypal  about the issue. Paypal originally credited my account for the {$1500.00}, but is now requesting the money back. No goods or services changed hands and this was and is a fraudulent transfer. They are threatening to close my account and make negative comments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-11-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by Equifax, XXXX, XXXX and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

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 2018-11-24
Company: Kashia Services
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On or about XX/XX/2018 my employer received a wage assignment demand notice signed by Kashia d/b/a XXXX XXXX stating I owe XXXX and it was sent direct to my my employer via fax. I had no idea what this was about it states loan number XXXX XXXX with an account Specialist of XXXX and an email XXXX my employer brought this to my attention because it was not a court order it came from this XXXX  and they thought it sounded fishy so I did some research and I was told it was taken out XX/XX/2018. They also included info that this wage assignment is revocable at will so I attempted to email this XXXX at the he bread mail provided with no success it came back twice. So I wrote a revication letter and mailed it and my employer did receive revocation request I have been trying to figure out where to go with this request to file complaint but I'm not getting anywhere no one 's responding back to me ; nothing received f I'm anyone, so I filed a scam with the XXXX XXXX XXXX and they said thank you and they were made aware of it I haven't heard from his company since but I'm afraid they're going to come back and start all over again I did not talk to anybody from this company in XXXX so I have no idea where this came from and I've had some issues with my credit union my debit card has been hacked about 5 times now so I've got new debit cards from them so I just need to file this complaint so this doesn't happen to me with this company again if  someone could help that would be great. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Navient is reporting private student loans late by 120 days. The loan was approved for deferment/forbearance in XXXX. 

Navient is reporting XX/XX/XXXX : 60 days, XX/XX/XXXX 90 days XX/XX/XXXX 120 days LATE XXXX  does not have any late payments. XX/XX/XXXX account was current. 

Approval letter for Forbaearance sent XX/XX/XXXX, for forbearance period XX/XX/XXXX to XX/XX/XXXX Navient responding XXXX XXXX stating that there was previous delinquency but myself and XXXX  do not see where these previous delinquencies occurred or are. 

Navient is stating they will not correct my credit report. This gross misreporting has hurt my credit score tremendously even after paying off one of my private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped 179 points for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of 17 years. NO late payments. Ever. My personal assets are significant. I dropped from 797 to 618 In response to XXXX 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??

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 2021-09-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was granted a forbearance under CARES. Now Rushmore Loan Management has sent me a letter saying I'm " delinquent '' and demanding {$35000.00} by XX/XX/21, which is 8 days from now ( their bill arrived yesterday, XX/XX/XXXX ). They're charging some late fees and the entire amount due since the forbearance began, as well as some additional amounts that are unclear, as the itemized numbers they list do not equal the total they're asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Recovery Management Solutions LLC
State: KY
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:
I was contacted on XX/XX/2022 by XXXX  a third party collector for XXXX XXXX. XXXX XXXX is the current owner of the debt. My original creditor was XXXX XXXX. I was told by XXXX  that when I pay the debt they will notify XXXX  who will then notify Lendmark to update the tradeline as paid. Due to this agreement that XXXX  was sure would happen I set up the payment arrangement and made my first payment of {$300.00}. I spoke to a rep from XXXX on XX/XX/2022, who contacted me from phone number XXXX, who stated that even though I pay XXXX they will not update my tradeline. I also spoke to all three credit bureaus who also advised me that XXXX is not obligated to update my tradeline. I reached out to XXXX  and relayed this information to them and they stated that I was lying because this is what she tells all her customers. The agent from XXXX  asked that I pick one of the credit bureaus and call while she was on the line because she wanted to hear this information from the credit bureau herself. I reached out to XXXX while she was on the line and XXXX confirmed that the information that XXXX relayed is correct and they do not have to update their tradeline. Now that it has been confirmed that the information XXXX  has given as a means of collection under false pretenses, I am asking that they return the money that I have already paid and to discharge the debt because I was not given correct information during the collection process. The agent proceeded to threaten me by stating well how about we go ahead and have Plaza add their tradeline to your credit so you can get double dinged and then we can mark that tradeline as paid. Which she stated that she was not being malicious or threatening, however, she knows that would scare me into thinking they will harm me further if I do not think it is fair to pay after they gave me false information. XXXX  used incorrect collection practices and they need to rectify this issue.

Company response to consumer: Closed with explanation