BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: DISCOVER BANK
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: MI
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:
Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is against the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details. I just wan na better myself in life dont put all this stress on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I use cash app service. I was using the app and accidentally loaded {$700.00} on to my cash app and reversed it immediately. I did not authorize that transaction and when I tried sending the money back, they charged me a fee of {$10.00}. I tried reaching out to the team on cash app via XXXX  direct message, and was told they would not reverse the fee. I will attach screenshots of the XXXX  conversation where I mention contacting the CFPB and they dismissed both me and your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient keeps calling and from multiple numbers. I started to write a list of dates and times. XXXX XXXX owes me if anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a payment with American Honda Finance scheduled on XX/XX/2020 The payment never went through and I was never notified by the company. Now, I am unable to qualify for a mortgage because of the late payment reporting on all three bureaus ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was previously deputed and deleted on XX/XX/XXXX. ( Proof attached ) The company then reasserted the debt without any notice. 
The orignal lease was from XX/XX/XXXX to XX/XX/XXXX for XXXX XXXX XXXX # XXXX XXXX. The amount being collected is for XXXX XXXX XXXX # XXXX of which I did not apply for or request to sign a lease for. When requesting validation and verification, the company sent over forged documents altering the date from te original lease and changing the apartment unit. However, in doing so they failed to realize, the date the lease was printed and signed remained at the bottom of the lease. XX/XX/XXXX shows also on the back of the altered document. You can also see where the date line is crooked and drawn through after it was altered. ( I folded the paper to show the forged date and dates from the bottom of the lease. I can send in the document if needed ) This company continues to call my phone and harrass me, even after Ive instructed them to stop calling.

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 2020-10-14
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I moved from XXXX  to XXXX XXXX  in late XXXX. Once my residence was established and I received direction from the XXXX   on how to obtain XXXX registration, I contacted Chrysler Credit on XX/XX/XXXX to request a copy of the title and a limited power of attorney as required by the XXXX. I have called Chrysler Credit three additional times ( XX/XX/XXXX - spoke with XXXX # XXXX XXXX - XXXX # XXXX / XX/XX/XXXX - XXXX # XXXX ) to explain my situation. Each time they assured me the documents had been sent out but either to the wrong address or they didn't have an address to send them to. This is not a true statement because I have updated my address in their website and they could have simply looked up my account and found my address. Now I am well past the XXXX grace period for registering a vehicle after becoming a XXXX resident and I have to pay a penalty due to Chryslers Credit incompetence. On today 's call with XXXX, she took my information and I insisted they send the documents via XXXX XXXX with a tracking number and to call me immediately if there was an issue. We will see what happens, but regardless, their incompetence and lack of basic customer service is going to cost me fines and penalties by the state. Please look into this company and their lack of service practices. It is harming customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was told that the incorrect collection account would be removed when paid. It is still showing on my credit report even though it has been paid in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are two accounts onn all three bureaus that are not mine They have never been mine I have not applied used or owned such credit cards I need this off my credit I have opened an FTC regarding this and I have sent out disputes to all bureaus and furnishers to remove these since they do not belong to me!!! 

Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2020-07-27
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: Their investigation did not fix an error on your report

Complaint:
They didnt correctly rpond to my dispute, they told me to the items were verified. I asked them to send me their method of verification. They still didnt send me no proof and are contributing to illegally report information on my credit report.

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 2022-10-04
Company: EQUIFAX, INC.
State: KS
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 requested XXXX to delete the names and addresses which are listed below except my Name and Address as shown in the attached copy of my Government issued identification card which I attached. 

The Bureaus did not make changes as I requested to protect and avoid my possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover suspended my card for no reason. I have being a customer for two years never late. Hardly have any balance. I received email from them that it was unusual activity on my account. I was trying to log in to check what activity and guess what, my access is blocked! Very smart and logical! I called this people and they told me that they need to verify that me is me?! After making payments for two years from my checking account? They told me they have to contact SS office, like SS office going to speak to them without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Navy Federal Credit Union member since I opened my first account in XXXX. The account was a checking account ending in XXXX. My spouse at the time was added as a joint owner. In XXXX we were divorced and he was removed from my account. I provided NFCU with the divorce agreement. A few months later money was taken out of my account using an ATM by my ex spouse. I went into NFCU and informed them of the withdrawal and they apologized and said it was an error but I was out the money. I did provide a copy of our divorce agreement again. As a result I opened another checking account and sparingly use the XXXX account and keep a minimal amount of money in it. 

On XX/XX/XXXX I was online and viewing my accounts and noticed XXXX was transferred to a credit card from my account ending in XXXX. I contacted NFCU about this and was told the money was transferred to my ex spouse - XXXX XXXX XXXX to his credit card to pay his minimum payment. I requested more information about this and was sent a document that listed all withdrawals from my account that went to XXXX XXXX XXXX XXXX credit card account with NFCU from XXXX totalling XXXX. I didnt notice these withdrawals sooner as I did not receive paper statements and when I would check online I did not see any suspicious withdrawals until XX/XX/XXXX. Money has not been taken out monthly or consistently, only when he did not make his minimum payment. as I mentioned I used this account sparingly, it was not my main account. 

I did request from NFCU to be reimbursed for the money taken from my account and they said it was not their error but mine for not addressing this sooner. So I asked for the XXXX taken on XX/XX/XXXX as I reported this to NFCU on XX/XX/XXXX but was told all they could do was to stop any further withdrawals. I have since closed this account. I was assured in XXXX after money was taken out of my account without my authorization this would not happen again. 

I was told the money taken out to cover the minimum NFCU credit card payment was set up in XXXX. I did not receive any documents showing the withdrawals prior to XX/XX/XXXX. I am not able to see this online. I did request more information about this situation and specifically have asked to be sent a copy of the document that I authorized money to be taken from my account to cover my ex spouses NFCU credit card. I have not received that document or any information as to how this was established. 

What I want : for NFCU to return to me all monies that was taken from my account and transferred to XXXX XXXX XXXX 's NFCU credit card.

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 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Sent My XXXX report 3 times to transunion but when I call they claim they never received it.

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 2021-05-25
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I missed a few payments on my truck 4 exactly, 3 consecutively missed payments, and 1 other missed payment shortly after. I was supporting my entire family through COVID 19, and had to take on more financial responsibilities. I tried to contact GM Financial multiple times about seeing if they can please wave/remove the missed payments off of my Credit Report. They were never able to give any helpful guidance on how to go about removing these missed payments and I was told twice they could not do anything. To contact the credit bureaus directly. I am XXXX XXXX XXXX and it is very important to me to have a clean credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX hereby request that the attached account I had with XXXX XXXX XXXX be deleted permanently from my credit report effective XX/XX/XXXX as already agreed upon by XXXX in a XX/XX/XXXX and a XX/XX/XXXX credit report I obtained from Experian Information Solutions , Inc. The attached letter I received from XXXX is not on point, and I believe that they are trying to re-age the original debt as part of a vengeful process to eradicate funds from me personally. I therefore demand that Experian check into this issue and take sanctions against XXXX XXXX XXXX for not abiding by its subscriber agreement with your credit reporting agency. Since the deadline was already established, I demand this account be removed XX/XX/XXXX permanently. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
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 2020-07-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 6 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2018-05-02
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CMRE Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CMRE Financial Services , INC, acting on behalf of XXXX XXXX XXXX XXXX, XXXX, Texas, reported to my credit agency that I had not paid a medical bill ( {$1200.00} ). The adverse report decimated my credit score and I will very likely be unable to purchase the house I was intending to buy this year. Also, I am currently going through a routine background investigation for work with the federal government that will now include a massive drop in financial score and delinquent account. 

The doctor billed the wrong insurance company. The office billed the VA rather than XXXX. I was not notified nor did I have the opportunity to resolve this prior to the debt collector taking action against me. 

My life has been ruined by a measly medical bill not being billed correctly by XXXX XXXX and not researched by CMRE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I applied for a small car loan after obtaining more than XXXX days at my job at which I made XXXX annually. I did not get a fair credit opportunity by my bank as they denied my car loan. 
The loan was then passed over to XXXX XXXX who manipulated my credit score to approve the loan. My principle was not being applied properly at which time I notified XXXX XXXX. Immediately after a man came and stole my car with no demands for payment in writing. I was terrified. I have XXXX due to this so now I have to truck my groceries on the bus and its making my XXXX issues worse. 
Treating woman unfairly when it comes to loans is a XXXX. We are then XXXX from and XXXX. Put on XXXX XXXX to XXXX and this is not ok. Accurate banking is a plus for woman. It keeps us safe. I deserve every chance to make my business great and I cant because Im being XXXX by the XXXX By corporate XXXX. If you didnt understand a woman gave you XXXX The population of woman is going to XXXX at this rate and so will our human XXXX 
There was a third XXXX loan application through XXXX that went in XX/XX/2020. I did not fill out that application. I would like to know if there is a loan going on in my back pocket? I was also approved for a loan in XXXX for little under XXXX. I did not receive those funds. Where are they? Am I going to be held responsible for a loan I did not get direct deposited? I did not receive any money from a loan yet my money is continuing to transfer out of my account of edeposits. Whats that all about?

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 2018-08-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Rushmore Loan Management Services. I have a credit score over 800 and have never had a late payment. 
The website seems to be tailor made for people to make late payments. They say they have automatic payment scheduling, yet when I try to do that, I get a message saying " Not Available. '' When I try to sign up for electronic reminders, there is no actual link : It is a bait-and-switch " We encourage you to also GO GREEN by signing up for paperless documents! Receive email notifications when your statements are ready to view, versus paper statements in the mail. Sign Up Today '' no active link to actually sign up for reminders. 

They do not give information about when my payments are due. The website says my next payment is on XX/XX/18, but I've already made that payment and it does not show when the next payment is due. It's XX/XX/18 already. 

This company should not be allowed to deal with servicing, they are not capable. Their business model appears to be to make it as hard as possible to pay your bill on time. I am financially literate and I find this difficult, I can only imagine how others navigate this. 

Rushmore 's business practices verge on criminal.

Company response to consumer: Closed with explanation