BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I sent transunion, XXXX and XXXX a certified letter advising that XXXX  XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my 2 CLOSED ACCTS with XXXX then knocking my credit score down 9 more points. This bankruptcy was filed XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. So to add that comment now after over 2 yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have 5 student loans when I consolidated into 1 in XXXX if XXXX. I have proof all 3 credit bureaus received my certified letters with signature required. And have done more damage now to my 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
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A representative from Bank of America said that they would accept a check to avoid overdraft fees, but then placed a hold on the funds in order to maximize fees.

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 2019-02-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore is charging my escrows for " personal insurance '' that they claim is due to a requirement that I provide " wind '' insurance. Previously, Rushmore made this claim on all 3 loans that they service for me. My insurance policy covers this type of damage and Rushmore removed these charges from 2 of my 3 loans. While preparing year for taxes, I realized that Rushmore was charging my escrows for their imposed additional insurance on this loan. I phoned Rushmore and gave all information and demand that charges be stopped and my money returned to my escrows. On XXXX-19, Rushmore AGAIN charged my escrows for their " personal insurance '' imposed fraudulently on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2017-10-24
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX, I made a payment to Ally Financial in the amount of {$900.00} because I fell behind in my car payments due to losing a job and just started a new job on XXXX/XXXX/2017. I explained my situation to the representative at the time. The week of XXXX/XXXX/2017, I received a phone call at work from my father in law stating Ally Financial called him in XXXX looking for me. I called Ally Financial and told them my situation and informed that I will be making my payment when I get paid. I do n't get paid till XXXX/XXXX/2017 because I just started my job and this will be the first pay cycle for me. I called Ally Financial and told them do not call anyone in my family looking for me and I was told that no problem and his number will be removed. 

I never gave Ally Financial my father in law phone number and they are using extreme secret practices to humiliate me with out allowing me to call back. On XXXX/XXXX/2017, I received while at work 6 calls back to back from a representative named Precious at Ally Financial bank on my cell phone. Before I can give her a call back when I get off work, she called my Supervisor at my brand new job at the XXXX University hospital and humiliated me because I did n't call her back soon enough ( I attached a copy of the email my Supervisor sent me ). When I called the representative Precious at Ally Financial and asked her how did she get my new job number which I did n't even know yet. She refused to I was told by her supervisor that are secret tools they use to locate people. I informed that that they are never to call no number to look for me except my home and cell number. This is the 2nd time I 've explained to Ally Financial they were violating my rights. It is threatening and scary knowing they are most likely illegally using methods to track me without my permission. They called my father in law as well as job looking for me and will not disclose where are they getting my information. 

I want the threats from Ally Financial to end. They act like I have no rights as a consumer and it is really scary my personal information is being used as a weapon against me. They are withholding methods and refuse to tell me if they are using google or what other searches putting my personal information such as social security, address and date of birth on the internet. They may even have someone following me. Please help me resolve this matter. I am afraid and really need assistance or to know my other options. No creditor 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 2022-04-30
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( s ). 

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-10-24
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a HELOC with PNC Bank that was nearing the end of the drawdown period. It was interest only repayment loan. In XXXX, I asked loan officer XXXX XXXX to extend the drawdown period with same interest only payment. After not hearing back for 10 days, I went to the branch and found he was no longer employed. I asked for all my documents back, and they could not be found. Which is pretty concerning. I was contacted the next day by the manager, and found my request was sent to another LO XXXX XXXX. He never spoke to me or asked what I was looking to do ; only emailed me more requests for documents. Then in XXXX I found out my HELOC was refinanced into an interest and principal repayment loan. Not what I requested. I spoke with XXXX XXXX and XXXX XXXX, who are in the PNC Executive Client Relations Dept. I explained how my case was mishandled ; from losing all my documents, to no communication with the Loan Officer, to refinancing my loan into terms I did not request, and was told there is nothing they can do other than I try and refinance again. I am currently going through the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
I have tried to dispute this with Equifax and XXXX  in XX/XX/2021. This hasnt been resolved and is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX received phone call from XXXX, XXXX, XXXX, what ever from Portfolio Recovery XXXX opened XXXX to collect debt not owed through XXXX Bank for XXXX. 

We asked if they had a validation number and she did n't and we told them to stop calling and that we would report them to FTC, US Government and other XXXX agencies. 

This is an additional note to all the other complaints filed with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I live in the State of Connecticut. I Received an American Express Serve Card as a gift on XXXX XXXX XXXX for an amount of {$150.00} I did not use the card. Today XXXX XXXX XXXX I went to check the Balance and it is {$95.00} I contacted the company and they said that they had the right to charge me a monthly service fee of {$4.00} starting 30 days after purchase of the card because I did not register the card. They said if I had registered the card the monthly fee would have been waved.But no where on the card does it say that. I thought that in the state of Connecticut they could not charge a fee for the first XXXX Months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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:
I dispute this account with XXXX XXXX XXXX and was informed by this company that they are not servicing this account and have removed it from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I Applied for forbearance covid hardship XX/XX/2022 XXXXdid n't hear anything at all, finally I called company around XXXX.the person I talked to said yes she'll put us on the forbearance but that we only have til end of XXXX.because I guess XXXX must be the cut off date.i said that's fine I wasn't trying to be on it forever anyways, just need to get back on my feet.she said id be getting some paper in mail in about a week.i asked her about paying the missed payments and I wanted to do it with the stand alone offer.theyll talk about it with you when you leave forbearance, she just didn't want to get into it.so only thing I knew was we are now on the program til end of XXXX. well I never got any paperwork so I called back XX/XX/2022 and talked to XXXX she assured me paperwork is coming and also informed me I should pay my escrow or I might be hit with shortages when getting off forbearance. {$560.00} a month.glad I learned that.well I've been getting nervous because still nothing in writing to even prove I'm really on forbearance.waiting, waiting, waiting, so I called again today XX/XX/2022 waited for 3 hours on hold .was still on hold when my mail came finally something from them.well its a 1 page letter telling me they are notifying me that they are going to get an appraisal to get the value of the property as part of loss and mitigation and that they are charging me for it.how is this I'm having trouble with my mortgage.hello how am I gon na pay for this .is this legal, what are my rights on this.now I completely do not trust them .they arent trying to work with me, help me like the CARES ACT says there suppose to.I WANT PAPER WORK SAYING IM ON FORBEARANCE, then the letter says to talk about it call the number I was just on hold for 3 hours, what is going on are they gon na help me or try to take my house. this is CHFA can any of these people just help .I didnt apply for loss and mitigation .I 'm covid 19 hardship forbearance.it sounds like they don't even know that.so now ill be worrying until im off it and I know there not trying to take my house.no piece of mind .kind of defeats the purpose of the program dont you think.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the 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 2019-07-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 a letter was sent out asking that the collection account be removed from my credit report this letter also stated that they never sent a letter out notifying me of this debt and of the option to dispute it before being placed on my credit report. 

Original letter sent to company attached.

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 2021-12-06
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
LEXIS NEXIS keeps hanging up on me when I call to request their consumer report file they have on me. 

The last call I made to LEXIS NEXIS on XX/XX/2021 - XXXX provided the verified address on my driver 's license - which they claimed did not match their system. 

I am very concerned LEXIS NEXIS is, allegedly, defaming and misreporting information in my consumer report file - which is causing credit declines and adversely affecting my ability to do business. 

I request LEXIS NEXIS either provide electronic access to my report or, in the alternative, mail my report to me : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX If LEXIS NEXIS continues to refuse to provide me my consumer report in a reasonable time- I shall take all appropriate legal action per Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2017-07-03
Company: CITIBANK, N.A.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
CitiBank was my Student Loan Lender until XX/XX/XXXX. My loan has since been sold to XXXX. <P/>On XX/XX/XXXX my father unintentionally made a {$1500.00} payment to my old CitiBank Student Loan Account through his XXXX XXXX on line payment checking account. In the past, he had occasionally submitted payments to assist me with paying down my student loan debt with Citibank. As such the account was still in his online payment menu. The {$1500.00} payment was intended for a different recipient. As documented by XXXX XXXX in Exhibit A, the payment was processed to the CitiBank on line Payee and accepted by the account as listed below : Citi-The Student Loan Corporation XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX Student Loan Acct No XXXX To date, it appears that above account is still active and accepts on line payment, even though Citibank maintains they have no record of the account number, they have since closed the account, and closed accounts will bounce back the payment automatically to the originator. It is also my understanding, they no longer have a student loan operation. As of XX/XX/XXXX, no payments have been returned by Citibank or XXXX. XXXX states the payment needs to be returned by Citibank ; Citibank states that XXXX needs to rescind the unauthorized payment from their end. As a consumer, having spent 20+ combined hours in person and by phone, my Father and I are at this point seemingly powerless to large institutions who do not seem to care enough to do what is right by their hardworking customers. As such, we are filing an official complaint with CFPB.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} Collection : XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX  : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$2500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX XXXX  : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX  : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX XXXX  : {$9200.00} XXXX  XXXX XXXX XXXX XXXX {$2800.00}

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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