BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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 I was on a work trip in XXXX, FL I lost my wallet, credit and debit cards that were inside it. When I couldn't find it, I thought it was just in my XXXX  XXXX  XXXX  XXXX  rental. Soon thereafter I realized it was indeed lost. There were a couple of scattered fraudulent transactions across my cards. 
One of the biggest hits was to my target card. 
My trip was XXXX XXXX XXXX 
When reporting the issue, they asked how it was possible they could have used the account since it is pin code protected. I had written that on the card as it was different than my other pin numbers. 
They told me to include that in my report, they would be mailing a form to feel out, so I included that in my report. 
After I did that, shortly thereafter they sent me the letter attached saying it is valid due to the pin being used. Disregarding the fact that I stated the pin number was written on the card. Conducting no investigations into that matter, that was warranted. Adding back the total disputed amount without a proper inquiry. 
I sent the attached letter via certified post to the address a representative gave me on the phone if I was not satisfied with their findings, still noting that the agent over my account was currently unavailable. 
The tracking for said letter is USPS : XXXX XXXX XXXX XXXX XXXX Since doing so, no response of any kind, and the agent is not available for calls. When I tried to call prior to the letter, I called and was told she would call be back within 48 hours which never happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Step 1 : What is this complaint about? 

a. Willing to pay off mortgage arrears. Waiting 6+ weeks for arrears and payoff statements. Since I have an attorney, Loan servicer - Rushmore will not talk to me. 

b. Previous reinstatement letters and payoff statements provided from Loan servicer - Rushmore, were incorrect and the " categories '' of payments, advances, legal fees, escrow etc.., were mistakenly " switched around ''. 

c. Paid {$56000.00} paid during Bankruptcy but have NO assurance from Loan servicer - Rushmore, that this amount will be included in arrears payoff. 

Loan servicer - Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 2 : What type of problem are you having?

Have repeatedly asked Rushmore attorney and my attorney to provide payoff amounts. Have repeatedly asked Rushmore attorney for a contact AT Rushmore that I can speak to about the arrears and payoff amounts. 

RUSHNMORE ATTORNEY : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Main : XXXX Step XXXX : What happened? 

No response from Rushmore or Rushmore attorney. 

Step 4 : What company is this complaint about? 

Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 5 : Who are you submitting this complaint for? 

Self. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. Florida XXXX. XXXX XXXX XXXX cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Was not notified of investigation status or results

Complaint:
There is an account on my credit report that should not be reporting due to inaccuracies and unverified information. The account is XXXX XXXX  XXXX XXXX XXXX. I sent a letter 4 months ago to the creditor and they have not responded which is a violation of the FDCPA. The credit reporting agencies are also in violation of the FCRA due to the reporting of unverified accounts. Please see the attached letter that was sent to the creditor which is dated and time stamped. I am requesting the removal of the account immediately due to the company ignoring my requests and many FCRA and FDCPA violations. This should be removed from my credit report within 15 days to avoid further negligence. If this is not removed from my credit report I will proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: TN
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:
I've been trying to fix this problem with the credit bureaus and sent them a dispute letter to delete an account that is not reporting correctly. 

This account has been paid in full and I want it removed from my report. Somehow they still haven't deleted 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 2020-11-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2020 I was hacked, a victim of bank fraud. A woman took over my computer and transferred money ( 4 ) XXXX XXXX XXXX and a wireless transfer from my checking account ending in XXXX from my Citibank Checking account. The amount of money withdrawn was {$11000.00}. 

I immediately recognized the transaction ( COMPLETED WITHOUT MY AUTHORIZATION ) meaning I RECEIVED NO SECURITY ALERTS. The thief was also trying to withdraw funds from my XXXX account at the same time in which I received a TEXT MESSAGE from XXXX asking if I authorized this transaction. I immediately replied " NO '' and the transaction was CANCELLED. I have documentation to prove this. 
I immediately called Citibank Fraud Detection Unit, was transferred around to several different people, spent over 2 hours on the phone with them trying to recover my money. The Fraud Unit told me the 4 XXXX funds were ( a total of {$1900.00}, one for {$490.00}, {$490.00}, {$480.00}, and {$450.00} ) the wireless transfer was {$9900.00} + {$25.00} service charge ) were gone and couldnt trace them to anywhere. A few weeks later Citibank did return the wireless transfer but I am still fighting with them to get the {$1900.00} returned ( The 4 XXXX transfers ). Mind you, the wireless and XXXX transfers were all done at the same time on XXXX/XXXX/2020. They are telling me in 2 letters I received that the XXXX transfers were AUTHORIZED PAYMENTS and will not return the money. I don't understand HOW THEY DON'T SEE THIS? I NEED HELP WITH GETTING MY MONEY RETURNED. I HAVE THE XXXX POLICE WORKING ON THIS CASE # XXXX AND THERE IS CURRENTLY A COURT ORDER IN WITH CITIBANK LEGAL DEPT DATED XX/XX/2020  BY THE XXXX POLICE BUT NOTHING IS MOVING FORWARD. I NEED HELP WITH THIS!! PLEASE. NO BANK SHOULD BE ABLE TO GET AWAY WITH THIS.

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 2021-07-13
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Vehicle was purchased in XXXX {$6000.00} down 36 months of payments of {$560.00} grand total approx {$28000.00} After the 36 months I called the bank and asked for the lien release. One week later I received a new payment book with 42 additional payments at {$560.00} for an additional {$23000.00}. which would make this used XXXX XXXX XXXX  with XXXX miles {$52000.00} in XXXX. Community Bank stated to my attorney something definitely wrong XXXX used truck no way is {$52000.00} XXXX XXXX XXXX definitely messed up on the loan. The XXXX XXXX sheriff 's deputies to my truck during the covid pandemic when our mayor made the cares act law. Community Bank valued the truck at {$17000.00} which they had posted a bond for double the value. So my question is how does a vehicle depreciate {$35000.00} in 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Your attention to this complain is very essential and must need investigated and brought to proper authorities for further investigation and possible prosecution. Perhaps to the General Attorney 's office who does handle discrimination cases. 
Initially my complaint filed with your agency complaint # XXXX all the facts was outlined. I also filed with another agency complaining the same time which that agency forwarded to you for further valuation and handling. The second complaint was filed under # XXXX. Today after checking the status in your website the Bank of America closed both complaints without given any explanation other than have the consumer contacting us and a phone number XXXX ( XXXX ) XXXX-XXXX X XXXX All these are calculated plans to avoid and instead come clean. No phones return since I called and called again and again for at least 7 times all during working hours ( Pacific Time ) They need to answer you with valid reasons what are their position not approving my loan application? Bank of America 's action must be investigated you have my full support with hard solid evidence not just allegations. It is crucial these bankers been getting away for so long and is time justice to be served for all. 
Thank you XXXX XXXX, applicant

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 2020-11-27
Company: Experian Information Solutions Inc.
State: LA
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/2020 I sent them a disputes for all unknown and inaccurate accounts its over 30 Days now but I haven't receive any response. I was a victim of XXXX Data breach and I want that all those account will be remove ASAP on my credit report or I will file a litigation.

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/2020 I sent them a disputes for all unknown and inaccurate accounts its over 30 Days now but I haven't receive any response. I was a victim of XXXX Data breach and I want that all those account will be remove ASAP on my credit report or I will file a litigation.

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 2023-02-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just recently tried to open a bank account and was declined because I owe money to XXXXXXXX XXXX. The problem is that I NEVER had a XXXXXXXX XXXX account before. 
Please delete this account from XXXX XXXX XXXX. This is Not even my name and this is clear Fraud.

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 2023-02-16
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just recently tried to open a bank account and was declined because I owe money to Santander Bank. The problem is that I NEVER had a Santander Bank account before. 
Please delete this account from XXXX XXXX XXXX. This is Not even my name and this is clear Fraud.

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 2018-04-16
Company: Experian Information Solutions Inc.
State: MS
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:
I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against 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 2020-11-27
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2019, SYNCB/TJX CO DUAL CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX continues to attempt to collect a debt that I do not own or have no knowledge of. They have failed to provide proof of debt, contract of such said debt and continue to pay credit bureaus to be able to report erroneous debt. I request that this false information is removed immediately. This debt was purchased from the original creditor XXXX XXXX XXXX XXXX  and states that I owe {$340.00}. I have no business dealings with XXXX XXXX XXXX XXXX  and there has been no communication from them as well stating that a mutual agreement or contract was ever had between them and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I enrolled on auto pay several years ago and it had been working fine until recently when I had the need to switch financial institutions. On XX/XX/2021, I informed PHH Mortgage that the auto pay needed to be changed to a new financial institution. I informed them via online through their website and also by phone, speaking with an agent. For the next two months including the present, this mortgage company has failed to make the changes and have continued to submit the auto payments to my old financial institution which has declined to make the payments and returned them. Every time they return the payments, PHH mortgage re submits them and once again I get charged fees. I have spent countless hours on the phone with them trying in vain to rectify the situation. I get put on long holds and when someone live talks to me, it is very hard to communicate due to the agent 's limited english language skills. Their website is inefficient and has likely not been updated, not allowing the consumer to conduct any business in it. I have spoken with several " agents '' who have promised me to take care of the issue but the problems still persist. My old financial institution has not been of much assistance either and has only reversed some of the fees but not all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CURO Intermediate Holdings
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
XX/XX/2020 I was contacted by Speedy Cash personal loans after searching for a loan online help with consolidating some bills. The company collected all my information including passwords to my bank account and deposited a check for me to collect and redistribute to them in exchange for a {$2000.00} loan. The bank called to let me know that the deposit was fraudulent and that I should contact you immediately in order to correct my account. I did not receive the paperwork they promised and they have all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me up to 7 times a day. Starting around XXXX XXXX  up until XXXX XXXX. They leave me a recorded message on the first call then just keep calling. I am at work I am not able to answer the phone they dont even give me a chance to return the message. Today they called me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and at XXXX XXXX. Some days I get back to back calls makes me not wan na talk to them at all. I pay what I can pay still get these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
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:
RE : CARE ACT Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 My name is XXXX XXXX I am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX ( XXXX LATE XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX LATE XXXX XXXX XXXX XXXXXXXX ( LATE XXXX XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX exposed my personal data. 
XXXX offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
Transunion and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that XXXX should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that Transunion and XXXX should not collect a windfall profit from the mistakes of XXXX due to the reaction of responsible citizens trying to protect their credit.

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