BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Loan transferred from XXXX to Rushmore Loan Mgmnt Svc. My initial loan payment has been misapplied with 83 % of my payment being applied to interest ( last payment w/CapOne was approximately46 % ). I noticed this immediately and contacted RLMS by phone. First, I was told I was not calculating it properly ( I am a banker, so I do understand the correct methodology ). Second, I was told to write their Department of Consumer Affairs - mail or fax. Third, I called again and was now told my case had been escalated and it was not an isolated case. They asked me ( again ) when was my last payment ( note, payments have been auto-debited, on-time for 4 years - and Ive made additional principal payments ). They said they are reviewing it and would provide no timetable for resolution. No estimate, no guidance as to how to obtain an update other than checking onsite daily, calling daily, etc. 

If your business is processing loan payments, it should be fairly simple to do so. And, if an error occurs, they should be able to correct it. Instead, this company is trying to charge me a larger amount of interest than when my loan balance was $ XXXX higher! I question if it is an error or intention and would like this resolved. Also - in researching this company, I have seen countless reports from individuals who can not even payoff their loan and leave RMLS ( they keep denying the payments for a number of reasons, delaying payoff, gaining interest ). I am worried I may not even be able to pay them off and get away! 

The {$2600.00} payment was applied {$2100.00} to interest and {$450.00} to principal. The current loan balance is approximately {$370000.00} and the interest rate is 3.625 %. Original balance was {$560000.00}. Even on the original amount, the interest portion of the monthly payment would not be anywhere near {$2100.00}. Very cautious this is a scam to derive more interest payments from clients as many individuals would not check the details. 

This is only the first payment due/made. I am questioning how long it will take to correctly apply the payment as future payments will further complicate the situation. I do not want this company to damage a strong credit history Ive established over many years. I also set up auto-debit before I realized there was a problem and am now worried what this company may do with this capability. Reports indicate they change amounts and debit at their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRUIST FINANCIAL CORPORATION
State: OH
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:
XX/XX/2022 Suntrust XXXX XXXX - an hard inquiry was made to my credit report. I did not make this request XX/XX/2022 XXXX XXXX  XXXX  - an hard inquiry was made to my credit report. I did not make this 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 non-monetary relief
Consumer complaint received 2022-10-07
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: Account status incorrect

Complaint:
XXXX XXXX reported me 30 days late in error in XX/XX/XXXX on Experian and XXXX. They did not report me late on XXXX XXXX. 

I closed the account and did not authorize any charges. XXXX even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this XXXX account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to XXXX XXXX to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my XXXX XXXX account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are 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 explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. 
( copy enclosed ) because I do not belleve I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been submitting numerous Dispute letters and CFPB Complaint against the Credit Bureaus and I am submitting this this another CFPB Complaint once more to request to the Credit Bureaus to correct my Credit File from erroneous reporting of information. Under the FCRA, the Credit Bureaus are required to finish their investigation within 30 days and send a copy of proof of verification to the consumer, however, despite my constant submission of dispute letters to the Credit Bureaus, they have failed to provide me the necessary documents. I am submitting this CFPB complaint to remind the Credit Bureaus to once again take a deeper look to my Credit File and correct any misleading information that can be found on my Credit File. I need the following accounts corrected at the earliest possible time : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXT XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$0.00}

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 2020-09-10
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXXAMERISAVE MORTGAGE CORP made a Mortgage Inquiry by checking your XXXX  Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. I can sign in to Amerisave and see my SS # and I didn't give out my SS # to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: OK
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX | XX/XX/XXXX MACYS/DSNB | XX/XX/XXXX MACYS/DSNB | XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX These are illegal 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This debt is the result of a residential electric bill at the home where I resided from XX/XX/XXXX - XX/XX/XXXX. 
In order to comply with FRCA guidelines, this debt is too old to be reported. 
Please have it removed from all tradelines. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company claims that they verified a debt with me. This company sent me a old lease that they claim is mine. In the contract under ( Full legal name ) the contract says XXXX XXXX. My name is not XXXX!!! My full legal name is XXXX XXXX XXXX.XXXX is a guys name and XXXX is a girls name. Plus on a completely separate page they show a signature that doesn't even match. Then there is a separate page with no signature, just a typed up bill with bogus charges with dates that aren't even on contract. They also claim they tried to contact me but they didn't even have MY ADRESS OR PHONE NUMBER!! This debt is CLEARLY not verified and clearly is not mine!!!!!

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 2020-01-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I've asked them to not call relatives about the debt collection. They continue to call relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Old information reappears from identity theft.

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 2023-01-31
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ACH Withdrawal : {$1800.00} on XX/XX/XXXX, BY XXXX XXXX  My business found a suspicious unauthorized traction earlier late last month ( XX/XX/XXXX ), and tried to resolve the issue with my bank, COMMERCE BANK. I first called the bank to inform that the account was debited {$1800.00} on XX/XX/XXXX, and it's an unauthorized traction. It said it's XXXX XXXX which took the money from the account. We haven't got any loans from XXXX or whatsoever organizations, and we don't owe them anything. I literally have no idea how you got our bank information and charged us {$1800.00} thru ACH which needs our routing and account number. 

The bank keeps saying that there's nothing they can do or dispute the transaction since it's already been over 24 hours, and telling us that we have to resolve the issue outside banking channel. 

I tried to contact all the numbers that I got from Commerce bank and there was literally nothing I can do to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2020-09-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For about 3 weeks now wells Fargo has locked me out of my online account, They said there was suspicious activity and that's why they locked me out, they wanted me to answer questions yet later they asked me to verify 10 additional questions supposedly about myself after I answered them they said I got the incorrect answers.

After answering so many questions I would get access but after I answered more questions they transferred me to someone else who could not help but the same thing happened, so they elevated to another person. That first call I was transferred to 3 different levels then I was told the supervisor would call me, I waited a week and never from anyone so I called back. It started ball over and they insisted the way to solve the problem is to go into a branch, I was reluctant, I have been isolating myself, being elderly I want to stay safe, but after calling many more times I thought the only way was to go in and so I did. The same thing happened inperson and I still do not have online access to my online 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 explanation
Consumer complaint received 2018-09-07
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
We paid {$200.00} to the Discover Card Account on XX/XX/2018. Months ago, we were told by Discover customer service that in order for a payment to post immediately, we must pay through an authorized bill payment system. We did the payment through XXXX bill payment, and had decided to pay that way henceforth because Discover do not take payments from a debit card. That payment did not post until four days later. One week after making the payment, we were informed that the account was closed. We did not receive any type of notice. Two weeks later, we finally received the letter stating the account was closed due to payment issues. Its not our fault that Discover only takes checks. That is old and they need to change their payment acceptance policy to take debit card payments from the checking account. Times are changing, and they need to change with it. We did not receive anything in the terms and conditions that states they can close the account due to payment issues. We were late only once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: PA
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 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 2020-10-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this  information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
While attempting to get a free credit report from TransUnion I was asked for my credit card number. I thought that were using the number to check my credit but instead they deceptively signed me up for a subscription. I just noticed that I'd been charged. XXXX for the month of XXXX, XXXX and XXXX of 2019. I called them and explained that there online experience was deceptive and explained what I was trying to do. I also told them they I hadn't signed into the account after getting my free credit report, therefore, did not use their service. They refused to refund the charges but did agree to cancel my 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 monetary relief