BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortage that is being serviced by Rushmore Loan Management Services. My loan does not mature till XXXX but the company keeps insisting that my loan has matures and i need to make a full payment of my mortage dues. I dis not understand the process and i initiated a refinance for my mortgaeg loan based on what Rushmore representatives told me. I started the refi process with XXXX XXXX. In the meanwhile, Rushmore Loan Services refused to accept or allow me to pay my mortage online and kept insisting that i need to pay the entire loan amount due. Apparently according to them the mortage was due on XX/XX/2021. XXXX  XXXX  promised to refi my loan but took longer than two months to process. In the meanwhile, Rushmore reported me delinquent on my current morgage despite the fact that I was willing to pay my mortage dues and they refused insisting that i need to refi in to a new loan. XXXX XXXX  than decided that given i was delinquent on my current loan, they could not give me the refi loan. ITs been a nighmare for me for the past two months. And now when i hired an attorney and reached to Rushmore Loan Managmeent, they prompltly accepted past due on the mortgage but are not taking the derogatory late payment from my credit file. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Equitable Acceptance Corp
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I wanted to consolidate my students loans in XXXX, which i believed to be free. This company called XXXX XXXX XXXX XXXX or Equitable acceptance called me mid of XX/XX/XXXX and told me i could have my loans consolidated never mentioning any fees until the end of our conversations. So i give them my financial information and personal info. thinking everything would be free, which i found out recently that it is free to receive help consolidating my student loans. So they told me for them financing my consolidation my charge would be XXXX and i needed to pay XXXX dollars then as a down payment and i would pay XXXX a month starting XXXX XXXX. They told me it would help my credit and so i thought it was ok. But now i know i have been paying for something that is free. My student loans were consolidated XX/XX/XXXX. I have been paying since XX/XX/XXXX - XX/XX/XXXX. I am now paying my student loan payment on top of this payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2018-10-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of today, XX/XX/18, Experian refuses to remove incorrect personal address with apt . deleted, as my correct address includes MY apt #. XXXX XXXX reported incorrect address with omitted apt # FOUR times. Now " cautious address reported as fraud '' is on my report, causing defamation. I've lived at correct address 25 yrs., & Experian sent report to correct address. Other creditor reports correct address. Experian is either incompent or complicit to take XXXX XXXX 's side. Please investigate possible credit protection sales as motive.

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 2021-08-10
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've requested from the credit reporting agencies the removal of a public record being reported on my credit reports, they have come back as verified by the furnisher who they list as the US Bankruptcy Court XXXX Texas. I received a letter from the United States Bankruptcy Court XXXX XXXX of Texas that states that they are the furnisher of the information and that they don't report information to or remove information from credit bureaus. So after talking on the phone with XXXX and requesting in writing the process of the investigation and how they obtained and verified the information from the United States Bankruptcy Court XXXX XXXX of Texas, I was told that XXXX XXXX a third party company was the furnisher which is in violation of the FDCRA which states only the furnisher of and account or information can report/furnish information in credit files. So since I never had any accounts with XXXX they are in violation of Federal Law and United States Bankruptcy Court  XXXX XXXX of Texas states they didn't provide nor report this information to 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 2020-07-17
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to link my account with the app XXXX and other apps similar and PNC blocks the app and won't let it connect, with XXXX  or any 3rd company party. It's worked for some apps like Branch and Earning, but will not let me do it with XXXX. It's frustrating because it is my money and I'm giving consent to do so. I feel like this problem should be resolved as other banks have no problem connecting to these apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see the attached letters. I do not have a fraud alert or credit freeze placed on my consumer reports. Equifax is messing with my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had money in my savings with Chime Financial for over a year. Just re accessed the account after some time to find out that they have not given me any interest as they said they would in over a year and I had {$1000.00} in the account earning 1 % interest and only received {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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:
Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX  XXXX, XXXX XXXX   XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Comenity Bank at XXXX XXXX XXXX, XXXX OH XXXX sent me a letter by mail dated XX/XX/XXXX that I received today. The letter explains my Avenue credit card handled by Comenity is now closed due to " previous negative experience with Comenity or " Comenity Capital Bank '', however, my balance of approximately {$560.00} remains due. What is more, I believe " the negative experience '' relates to my previous complaint about this Comenity Avenue billing to CFPB or FTC regarding Comenity 's fraudulent duplication of charges to my bank account. This was the content of their letter although my payments are currently up-to-date. Today I messaged the company at their online site suggesting they apply Account Assure despite and due to their mishandling of my Account Assure enrollment circa XXXX or XXXX for the sake of rectifying the situation, or alternatively offer me a Settlement in Full offer for 50 % or less the current balance. I would now additionally like to inquire to the CFPB how I may contest the bill entirely if I need to. I believe either of the three possible ways to pursue justice would suffice as Comenity related clothing companies began to bombard me with catalogs and advertisements starting in XXXX despite my request to the XXXX, by phone and later by online communication, to stop the solicitation. Their harassment despite my on-going attempts to protect myself led me to bankruptcy in XXXX. It has harmed my credit score,  overall outlook and psychological health negatively. Finally, I am disturbed by how Comenity further maligns me by using further punitive measures on me for a negative experience that was their own faulty. I would like to suggest to your organization that it investigate my case with Avenue and Comenity specifically and Comenity at-large. I do not this Comenity is law abiding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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: Information is missing that should be on the report

Complaint:
I have a XXXX XXXX ( NOT XXXX XXXX ) account XXXX that has been opened since XX/XX/17 and is being reported to the other 2 bureaus as such, this credit card company ( Corp. office number that handles the info being sent to bureas ( XXXX ) XXXX ) on numerous back and forth occasions state that transunion is listed as one of the bureas they report to as they report to all 3, transunion tells me that this card company must not be reporting to them because they do not gave any account info from them, transunion is telling me that are at fault and XXXX XXXX is telling me transunion is at fault, I am certain that XXXX XXXX report to the 3 bureas as per my research during and after I received the card and became an account holder, transunion states that there is nothing that they can do and XXXX XXXX says they ca n't send over information twice they just send it once a month, transunion recommended that XXXX XXXX give them a call and speak with then directly but XXXX XXXX states that that can not be done because it Is not their policy, I have done everything in my power to resolve this but everyone is blaming each other, I am positive that XXXX XXXX sent over info to ALL 3 BUREAUS but transunion keeps insisting that XXXX XXXX must not be signed up with transunion I am trying to rebuild my credit and find a place to live and I am being told me transunion report will be pulled, and my score and report is hurting because it submit showing the open revolving credit card account from XXXX XXXX which the other 2 show and it 's affecting my well being and life I tried everything, everything, I even tried a conference call but transunion states that are n't allowed to do conference calls and they released the call please help me

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 2020-07-17
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: Account information incorrect

Complaint:
There is a collection company after me for a debt from a hospital. I received a letter fom them and the letter says that I owe {$91.00}. I paid XXXX already. They sent a false information to the credit bureau stating that I owe {$150.00}.

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 explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatrory items that are not mine. 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 2020-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-03
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My credit rating is over 782 with XXXX. XXXX, XXXX, and XXXX XXXX all say in individual reports is good. However XXXX rejects for credit card cant tell you why they blame XXXX XXXX   have to wait for letter. Get the letter XXXX blames Sagestream they says XXXX. 

Sagestream doesn't return calls or emails been calling since XX/XX/XXXX. 

XXXX and XXXX just blame SageStream If you look online and search Sagestream there are hundreds of complaints saying Sage stream reports low credit scores so lenders can charge higher rates. That appears to be true. I don't need or want the card now. However if they report out XXXX on someone with XXXX imagine what they do someone with average credit. This appears to be fraudulent behavior by XXXX XXXX  and Sagestream to charge higher rates by saying people have lower credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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:
TransUnion recently sent postal mail to me ( dated XX/XX/2018 ) with incorrect info in the updated reports. There is incorrect information, information that belongs to someone else, AND old information that keeps reappearing or won't go away. I have repeatedly asked TransUnion to remove this incorrect, false, and outdated information, but they still have it there. I've called and written to them several months ago. At one point I am positive that the info was removed, but now it is all back again. The disputed information will be mentioned specifically in the section below. It is extremely dangerous to my person and identity as a consumer for this false and outdated information to continue reporting. This is also why I have repeatedly asked for all accounts to be verified and validated with proper original consumer contracts -- as the FCRA requires -- but they have yet to provide any. They are NOT supposed to just take companies ' words that an account is " verified '', " validated '', and " accurate ''. I've called and was even told that they do not have the documentation that the LAW REQUIRES. So, please tell me why and how they are still reporting these disputed accounts. They are not supposed to do this, and I am prepared to sue for damages done to my report thanks to their negligence in keeping unverified, invalidated info on my reports without taking in or providing to me a SHRED of viable proof.

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 2018-04-11
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I believe I was a victim of predatory loaning. I was given loans of over {$20000.00} while homeless with absolutely no way to pay them back and was not given proper counseling. There was no system in place to decide if I was a proper candidate to recieve loans and in all other situations where lenders are in involved it would be impossible for a person with zero income that was also homeless with very poor credit to recieve such massive loans. I believe these practices are predatory and should be illegal. I do not know how to continue with this complaint or whobto contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: GUARANTEED RATE INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed Rate mortgage company paid my flood insurance early while I was still shopping for insurance. I found a new flood insurance that was significantly lower yearly from XXXX down to XXXX dollars a year. I had my insurance company fax this to their insurance number XXXX. In the meantime the company went up on my monthly payment from XXXX to XXXX a month. I called them and paid this as they stated they could not redo my escrow for XXXX. I also then paid them the XXXX dollars back on the escrow. They redid the escrow and now say I owe XXXX a month. By my math I should be below the XXXX original payment as I have repaid them. They still state they have not received my new insurance front sheet that has been faxed to them twice. I called again this morning and they stated they still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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 recently received a letter from Experian in regards to the complaint I filed via the CFPB about their dispute process that contains many errors. In their stall tactic, dated XX/XX/2019, they stated they will not reinvestigate my dispute. I clearly stated the errors and exactly how I would like each item resolved ; they continue to allow accounts to report in error, a clear violation of my rights. Previously, they stated they contacted the company reporting the information I disputed, and instructed them to review the information provided to verify the accuracy of the information ; failing to conduct an independent investigation and allowing these companies to update their records in accordance with what was provided to be able to verify at a later date ; another violation of my rights. I also clearly stated to provide verification, and all they provided were phone numbers ; failing to accurately verify and provide verification via an original instrument of indebtedness in its original form, a consumer contract with my signature on it ; another violation of my rights. Lastly, I clearly stated to remove all non account holding inquiries or provide permissible purpose ; they have failed to provide either ; another violation of my rights. I understand this entity is a for profit business so they cater to their customers, the alleged furnishers in order to keep credit scores lower to conduct business with predatory lenders for obvious reasons, but we must hold entities like Experian accountable to be in accordance with Federal Law ; not all accounts must be reported, but of those that are, they must be 100 % accurate and 100 % verifiable or they must be deleted. THIS IS MY FINAL COMPLAINT VIA THE CFPB BEFORE PROCEEDING WITH FURTHER ACTION SHOULD EXPERIAN CONTINUE TO IGNORE AND/OR OVERLOOK MY REQUESTS AND CONTINUE TO BE UNABLE AND/OR UNWILLING TO COMPLY WITH FEDERAL LAW!

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