BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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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 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Yesterday XX/XX/XXXX the Bank of America close my checking account and my saving account without explanation just said that they closed by his own decision, all my money was there I dont have money I literally on the street without money, they took more than XXXX between my checking and saving account without explanation I not fair. The XX/XX/XXXX y just did 3 transaction : to a business account, to a medic in XXXX and one to my fianc and she was a victim too because the bank clause her account too. 
And clouse my te credit card too so this is not fair because they are damaged my credit without an explanation.

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 2018-07-21
Company: Unisa, Inc
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Earlier this year, I had some old student loan debt sold to a company called Unisa Inc. Www.unisainc.com.  I have had consistent problems with them processing my automatic payments to a consistent schedule. They claim it is impossible to predict when my payment will be deducted from my bank account. It is a considerable amount of money, so it is very important to me to know when I will be debited. I have talked to them in person, but they say can not be resolved. 

On XX/XX/2018, I was debited my full amount and then on XX/XX/XXXX I was debited the full amount again. My payment is only supposed to be paid once a month. I called their customer service on XX/XX/XXXX as their website had no record of the second payment being authorized. I was accused of authorizing the payment on my own, which I did not do. The person I talked to said he could see the payments in his system. He did apologize and told me they would count the second payment towards XX/XX/XXXX and not debit me again until XX/XX/XXXX. I agreed. Again, no date was given when payments would be processed when I asked. 

Today on XX/XX/XXXX, I was debited for my usual XX/XX/XXXX payment. As of today, there is no record on their website showing this payment. Only in my online banking. 

Another consistent problem is Unisa never displays the correct amount of my automatic debits. I have three loans with them which are debited from my bank account as a lump sum. Their system only shows one loan amount as being debited, not the full amount of the lump sum. Each of the three loans are different amounts and it appears to be random which amount will be shown in their online account history. I complained during my phone call with them on XX/XX/XXXX, but was told the customer service rep could see the proper amounts being debited from my account and offered no reason why the online system does not display the full amounts. He just told me not to worry about it. I do not know if Unisa has been calculating my payments properly against my loan as their system does not display the correct information. I do not trust them, but can not afford to pay my balance outright. 

I have also tried to add Unisa to my home accounting software and it never shows up as being a legitimate business. This has never happened to me before across several loan companies. I am very worried about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Called Aidvantage on or about XXXX XXXX, 2023 after learning of Biden 's new student loan forgiveness efforts aimed at those with Income Driven Repayment plans ( this is the one that came after the Supreme Court shot down the earlier XXXX to XXXX student loan forgiveness effort ). I'd gotten an email from Dep't of Ed telling me I was one of the people whose remaining loans would be forgiven due to it's age and the fact that I was in an income driven repayment plan for a number of years. It sounded like good news so I went to the XXXX XXXX XXXX website for more information -- and it said go contact your loan servicer, which in my case, it was now Aidvantage. That's where the good feelings ended. Essentially, Aidvantage 's telephone rep refused to provide and clear answer to any question I asked about my loan and it's status relative to the newly announced debt relief program. I repeatedly had to assert that I was not calling about the debt relief program that had recently been quashed by the Supreme Court ( mentioned above ). Nonetheless, Aidvantage 's rep insisted on reading to me the company 's prepared statement relating to that Supreme Court ruling ( though I repeatedly BEGGED him to stop as he read on the end undaunted ). The telephone rep 's skill at providing vague answers and dodging questions altogether was definitely noteworthy and he seemed continually miffed when I would ask him to clarify the broad statements he would provide in response to fairly specific and even simple questions. Other questions would just be completely ignored, such as when about 24 minutes into the call I asked out of frustration to speak to a manager or supervisor. After around ten more minutes I simply had to give up and end the call. Aidvantage won. Afterward, I called the Department of Education 's Federal Student Aid Ombudsman 's line and explained my situation. The first person to answer the call ( no interminable phone menus ) was compassionate and helpful and friendly, and answered my questions at length and with great detail. It literally felt like I'd gone from being treated like a nuisance to -- within a few minutes -- being treated and spoken to like an intelligent person by another intelligent person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Under Note XXXX, XXXX XXXX " Vice President '' executed a signature representing Rushmore Loan Services , LLC, its appointed attorney-in-fact recorded on my mortgage deed on property:XXXX XXXX XXXX , XXXX , PA XXXX. 

Without recourse, XXXX XXXX XXXX XXXX, not in its individual capacity, but solely as trustee for the RMAC Trust, Series XXXX, by Rushmore Loan Management Services, LLC. 

XXXX XXXX deliberately misrepresented his employment and affiliation by executing a recorded document for XXXX XXXX XXXX XXXX & Rushmore Loan Services, LLC. Both companies accepting this transaction to take place without any regard to the law. 

After thorough discovery, XXXX XXXX is affiliated with XXXX XXXX both parties affiliated with XXXX XXXX XXXX XXXX XXXX XXXX : Executive Director - XXXX XXXX XXXX Name : XXXX XXXX XXXX Dates Employed : XX/XX/2008 Present Employment Duration:9 yrs 10 mos Location : XXXX/XXXX XXXX Area Please note : I have all verifiable documents in a secure area as proof of my complaint. In addition, on this recorded executed document the loan number is sanitized in black ( unverifiable ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-08-05
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: Problem with personal statement of dispute

Complaint:
I did contact the XXXX XXXXXXXX for the 4th time in 8 months regarding the same thing, I called again today 's XX/XX/XXXX at XXXX XXXX duration of call 44 min, spoke with XXXX one of the supervisor, I asked again to please remove the 2 late payment from XXXX and XXXX XXXX, and I explained that late payment was from my hardship in that year and it is causing me problems and also its violates my rights according to violation of the CARES Act during the COVID-19 Pandemic.

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 2023-08-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently I filled a complaint with CFPB against AMERICAN express COMPLAINT XXXX SUBMITTED XXXXXXXX  American express replied to the complaint, however it seems like that they did not read my latter since their response does not address my complaint at all!!!!!!!! 
I will repeat my complaint ; XXXX reported 2 late payments for XX/XX/XXXX  and XX/XX/, however I have attached proof that i did not receive any bill from Amex since i moved to a different apartment back in XX/XX/ and Amex bill is still addressed to my old address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX made $ XXXX transfer to associate using capital one XXXX app XXXX  feature. On XXXX received note from associate asking about whereabouts of payment. On XX/XX/XXXX contacted capital one. Capital one attempted to cancel the payment but was unsuccessful. While on the call capital one verified the phone number of the recipient of the transfer. I was referred to claims department to initiate a claim and was informed that the investigation would take up to 45 days to resolve. I subsequently made a small test payment to the recipient via the same phone number successfully. At this time I am out $ XXXX with no indication what went wrong, where the money is and what will happen next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Company denied my fraud claim on this account I never applied for. ID was stolen from me and the signature is invalid email and addresses dont match on this account I didnt apply for a XXXX XXXX project loan. Company refused to temporarily remove this account off my credit report. My girlfriend stolen my identity and use her address in XXXX Texas .. company refused to accept my documents I send through the mail. Company is a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
As of XX/XX/2023 there are multiple accounts showing up on my credit profile that is inaccurate and i need them deleted. i sent multiple letters to the credit bureaus to have the information removed and there as been no resolution. XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX  The Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXXXXXX The Following Account Is Not Mine 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 2023-03-08
Company: M/I Homes, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My fiance and I initiated an offer to buy a home from MI Homes in XX/XX/XXXX. At this time we were told that the construction would be completed later in the year and that there were not options for rate locks at that time. We received infrequent construction updates and in XX/XX/XXXX, we inquired about a rate lock with MI Financial, the in-house financing arm for MI Homes . We received confirmation of different rate lock options ( attachment 1 ) and the individual at MI Homes assured us that both options ( 120 or 180 day ) would take us through our closing date based on the conversation that MI Homes had with MI Financial. I went through the process on XX/XX/XXXX for a change in circumstance notice ( attachment 2 ) and paid {$5700.00} for the rate lock at that time. In XXXX, I reach out to MI Homes about an update on the construction timeline, and they inform me that construction would take us through mid XX/XX/XXXX ( attachment XXXX ). This materially change our timeline expectation based on our previous discussion with MI Financial that assured us a 120 day rate lock would be sufficient. After some back and forth, a VP at MI Homes reaches out and explains ( attachment 4 ) that mistakes were made in MI 's process and says " Lastly, if you determine none of the above will work, we will certainly return your deposits and terminate the transaction. This is not the outcome we want but understand your position if that is what you determine is best for you and XXXX. '' We ended up terminating the transaction and MI Homes refunded our deposits back to us. The MI Financial branch manager was CC 'd on this email and as part of the phone discussion, I was assured that all of the deposits in this case to be refunded included the {$5700.00} for the incorrect rate lock. I have sent continuing correspondence to get this money returned to me, but have not received any contact from MI Financial and now I am turning to the CFPB since I feel I am entitled to my own money back and that the original rate lock was made on deceptive and false pretenses about assurances of the rate lock time period being appropriate to cover the construction when MI Homes later came back and stated unequivocally that that time was never the official estimate of the construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX midland credit management submitted alegal order debit to XXXX XXXX XXXX where I have a small savings in the amount of {$4.00} they told me this was for an old account in XX/XX/XXXX I have no knowledge of but they sent papers to me on XX/XX/XXXX in the name of XXXX XXXX. I live on a fixed income and Im elderly and I dont need these people taking money from my account please help me if you can

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incorrect information on a hard inquiry dated on XX/XX/2020 by XXXX. This was never authorized by me. XXXX had removed this back in XXXX with XXXX  and XXXX  for some reason experian still has it on there report. I have spoken to discover in XX/XX/2020 and now end of XX/XX/2020 and they said would be removed from experian and they will be aware. as of XX/XX/2020 it still shows up which i will show you the screen shot.

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 2023-05-15
Company: EQUIFAX, INC.
State: KY
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:
These companies had no authorization from me to furnish these inquires and In accordance with the Fair Credit Reporting act XXXX the following companies has violated my rights. 
XXXX & XXXX ; XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
EVERTHING HAS TO BE REPORTED 100 % ACCURATE, AND ITS NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on public assitance due to raising XXXX   kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past 13 years.

I called the company they are choosing to represent them ( XXXX XXXX XXXX in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX credit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/

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 2020-11-27
Company: EQUIFAX, 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:
These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with XXXX, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX  XXXX, XXXX  XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from discover. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.

Company response to consumer: Closed with explanation