BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-13
Company: Credit Plus Inc
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There were XXXX fraudulent charges placed on my XX/XX/XXXX card. My card had a zero balance for almost a year so I was n't aware of these charges, or the following late fees place on my account because of them. The email address tied to my card was old, and the credit card company ( XXXX ) did n't mail me a statement. XXXX XXXX has agreed to remove XXXX of the late fees but not all of them due to a {$39.00} membership fee that was applied to my account. Now my credit report is showing a XXXX score when I had over XXXX originally. I found out about the charges while going through a refi on my home and my mortgage lender saw it on my credit report. He advised me to reach out to you for help. I keep up with all of my other cards and debts in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Personal information incorrect

Complaint:
There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been in a dispute of an alleged credit card account that I am not aware of at all and It has been in a judgment in superior court for 2 times since XXXX ( very unawares ) and XXXX ( did not want to resolve the matter in XXXX from scheduled date and it was made on XXXX ). I have presented questions for the opposing party, DISCOVER BANK, by way of a law firm, in for them to answer and they have refused tremendously in answering the questions. This is why I have not received cooperation in regards to this alleged account and I would like assistance on this matter most urgently. I have had a court date that was designed for XXXX XXXX and there was an apparent court date for XXXX XXXX that was issued but not to wait for the XXXX XXXX date that was awaited by myself in appearing in court for that particular date. Altogether, this alleged account is in scruples and is very tiresome of the opposing party in answering questions that has been involved in gathering the history of this account, with any supposed credit card application, or signature of the alleged account and this is very disturbing for me, be it that I have been under identity theft with my social security #, or address, or phone number ( s ). I need help in resolving this issue, be it that I am in a judgment notice of " Right to have Exemptions designated '' and it is very disturbing of the opposing party in answering questions pertaining to this alleged debt that refused so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2016-08-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
open a simply checking account in XXXX 2016 due to the promotional XXXX bonus have not received of this date called customer service was told did not received it because my son has me on his account what does have to do with the fresh account under my name that i open in XXXX have to do with the promotion very dissatisfied if the person at the branch would have told me that because my son put me in case of a emergency on his account i would have never open XXXX at this point i am looking into other company to do business with

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 2020-03-30
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received documentation from Hawaii senators office concerning the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act provides relief for homeowners with government guarantee mortgages. VA amongst others, are eligible for loan forbearance for up to one year without fees, penalties, or additional interest. 

Called Loan Care and on their website, it states that VA home loan doesnt qualify for forbearance under the Coronavirus situation. It goes on the say that if we did qualify for the forbearance, the monthly amount times the number of months will become due at the end of the forbearance, this could add up to 20 to 30 thousand dollars. We would have to do a loan modification which mean we would have to re-qualify for the loan. Not able to provide a paystub for the last 90 days would dis-qualify for the loan and loose our house. 

At the time I called, there wasnt anyone live to talk to, to see what possible avenues were available.

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 2016-09-17
Company: General Motors Financial Company, Inc.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/2015, I went to XXXX in order to get a loan to re-finance my car loan with GM Financial. I was assisted by member representative, XXXX XXXX, who contacted GM Financial and obtained a loan pay off amount of {$13000.00} for my Loan # XXXX. GM Financial said that the payoff was valid up to XX/XX/2015. On XX/XX/2015, XXXX send a Treasurer 's Check in that amount to GM Financial and also requested that the title of the vehicle be mailed to them immediately ( see attached ). 
On XX/XX/2015, I received a statement from GM Financial showing a {$0.00} amount due ( see attached ). 
On or about XX/XX/2015, I received a payment reminder email from GM Financial. I reply back indicating that my account was paid off XX/XX/XXXX and I also asked whether I 'd received this email in error, but I received no response ( see attached ). 
XX/XX/2015, I received a phone call from XXXX asking whether GM Financial had mailed the car title directly to me. I contacted GM Financial and they told me they had not because they were waiting for the full payment on the car. I contacted XXXX again who confirmed that they had paid off the car ( see attached ). 
I visited a XXXX branch on XX/XX/XXXX and was assisted with the assistant branch manager, XXXX XXXX ( see attached ), who contacted GM Financial herself. It was only at this time that we learned that the original payoff XX/XX/2015 was in correct and that there was still a balance of {$330.00} due on the account. 
When this became known to me, I immediately made the payment to GM Financial ; and the company sent me a satisfied pay off letter on XX/XX/2015 ( see attached ). 
I was surprised to learn though that although I had paid off the account in full on XX/XX/2015, GM reported this as being 30 days late ( see attached ). 
As a result of this delinquent reporting, my credit score has dropped significantly and I have been unable to obtain credit from any financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ON XX/XX/2021, XXXX XXXX XXXX XXXX PERFORMED A FEDERAL DIRECT CONSOLIDATION THAT I DID NOT AUTHORIZE OR APPROVE OF. I

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 2015-09-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2015 I called Santander bank and received information about opening a checking and savings account. They told me to come into the bank and I could open an account the same day. I brought all my necessary documents and filled out the paper they provided me with. They asked me if I wanted to make a deposit to my new account and in turn I gave {$130.00} cash. After taking my money I was then given a receipt with a business card stapled to it and told to call tomorrow to receive an account number. 
I was stunned by this because I was hoping to receive my account information that same day. I was also confused as to where my money would be going if there was no account information provided? I just went along with it because I had never done banking with this bank before and I was unaware of their practices. 

Today I called the business card stapled to my receipt as I was told to do and I was then told to call back in a couple hours, that the branch manager was working on my account. I got frustrated and called Santander customer service and they informed me that it was not standard practice to take a customers money without providing them with an account number. They also said the branch manager would contact me but i requested to be transferred. When speaking to the branch manager I was told I could not be allowed an account and she provided me with no reasons. I was very confused by this. The branch manager was beyond rude even raising her voice at me. Aside from that I was just frustrated that she was asking me to come and pick up the money. I told her I was moving today and she said with an attitude well we will just mail you a check. 
My compliant is really about them taking the money in the first place. I 'm a social worker so I do n't know about the rules and regulations that banks need to adhere to, but I believe they should n't be able to take someones money without first approving the account and also providing that customer with an account number. 
I work really hard for the modest salary I 'm paid and now because I 'm moving and ca n't make it back to that branch I 'll have to wait for check to be mailed to me. 

I 've never in my life had to file a complaint but I am willing to do this today in hopes that it will not happen to someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-07-17
Company: Focus Holding Company
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Focus Receivables Management, the collection agency used by XXXX. The amount of the debt was {$630.00} originally. I was able to settle with Focus Receivables Management for {$500.00}. I paid the settlement and was told the collection would be taken off my credit report. It has not only not been taken off my report, but has also not been updated to a paid status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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 was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}

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 2016-05-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since several month ago Rushmore Loan Management Services ( RLMS ), Collection department, is sending me monthly letters, dated the XXXX day of the month, saying that I did not pay my monthly payment. Accord the NOTE I have until the day XXXX of each month to do my monthly payment, and they also put at the monthly billing statement of XXXX, XXXX ( attached copy ) that I did not pay them and I did it. I always send my payment the XXXX day of each month, so they receive the payment in 3-5 days. This is happening since they cut the Monthly billing Statement on the day XXXX of each month, and it showed as I did not pay them, and I did it, so my monthly billing statements should show the payment I done : my concern is that if the payment is not reflected in the Statement, means they can put me in foreclosure eventually. I really did not wish to be in that position since is very stressful, and I did not like it because I am paying them every month according with the NOTE. 
Also they put a clause that mentioned that {$73000.00} as a deferred balance that I suppose to pay at the end of the loan, that also worry me since I am a XXXX, and in XXXX years I should pay them a balloon payment of {$73000.00} at the end of the loan ; for me is a treat to lose my home after several decades of paying it. They also mentioned al the addendum that I have 2 years to refinance my home, and that if I do " probably '' they will eliminate the {$73000.00}. I visited several companies in the refinance marketing, and after they review the documents done for RLMS and they told me that they can not refinance my loan, and that the only one who can do it is RLMS. I sent a letter to them asking for the refinance process.RLMS received {$25000.00} in XXXX and then $ XXXX XXXX, from Keep Your Home CA with the porpoise of maintain the families in their home, and stabilizing the house market, means the government did it their part and effort, I am paying them every month, so I am expecting them doing their part also : refinance the loan and eliminate the {$73.00}, XXXX described at the Loan Modification agreement paragraph XXXX, page XXXX and paragraph XXXX page XXXX, page XXXX Balloon Addendum ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: PLANET HOME LENDING, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the original letter from Planet Lending and initially was concerned that the Homeowners Policy had been cancelled when we refinanced. I called XXXX XXXX XXXX and they verified that I still had the Homeowners Policy and that it was current and that we had never had flood insurance on it since Ive owned it since XX/XX/2008. I then called Planet Lending customer service and they said they would look into it and get back to me. When I didnt hear back after a week I called them and was on hold for over 20 minutes.. I never heard back until last week when they sent me another form letter which mentions nothing about what they found out. Today I got ahold of customer service who said she saw the notes from the previous call and that it shows the cottage is in a flood plain. She was not able to answer when that was changed and she gave me the number for FEMA and told me to contact them. And that I had 45 days from the date of the original letter ( XX/XX/XXXX ) to get flood insurance or they would do it for me. I asked for an extension to get this figured out and she repeated what she had just said. Very unhelpful! I then called the FEMA number she gave me and the woman with FEMA said she had received several calls like this and she honestly did not know what to do with the call as the number was for disaster assistance. Im getting the run around and there is no way my cottage at XXXX above the lake on a cliff is in a flood plain. They want to charge me over XXXX on flood insurnace which is not needed. I have tried with no luck it seems like customer services doesnt care and wont help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In 2015 Onemain Financial acquired Springleaf. I have interest-bearing loans with both finance companies. Since the acquisition I have continued to pay these loans separately. I have asked a few times what can be done to consolidate my loans so that I have XXXX payment and XXXX interest rate, their feedback is that they can not do it. Between the XXXX loans I 'm paying north of 50 % in interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: RUI Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had several issues with RUI Credit Services related to what they claim is a cable bill not paid. They began calling me XXXX/XXXX/XXXX, and leaving voice messages that did n't contain any information. They continued to call either every day or every other day after this point. I never received any written notification of any debt owed and I contest that I do not owe any debt to anyone. At first I did n't respond, because I did n't even know if they were legitimate or a con artist. When I did respond they claimed that I owed {$100.00} for failing to return a rented modem from XXXX. The modem was bought, not rented. I told them I would clear this up with XXXX, which I did, however, they continued to call and harass me about a debt I did not owe. They finally sent a written notice marked XXXX XXXX, XXXX, almost 2 months after the harassing phone calls began. They have artificially inflated the debt to {$180.00} which seems an arbitrary number they chose. I am currently writing to them to contest my claim, but due to the harassing measures they have already taken, I am not sure that they will comply with regulations and cease and desist. I have read the Fair Debt Collections Act and I count numerous violations : Harassing phone calls, failure to send a written notice of amount owed within 5 days of phone calls, arbitrary inflation of the alleged debt from the first phone call to the written notification. 

I have phone records of their calls and a copy of the written notice. This should prove that they did not comply with the 5 day limit of sending written notice from the first phone contact. I can also provide a list of the times that they called, establishing a pattern of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Mobiloans, LLC
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:
XX/XX/2022 I contacted via Certified Mail Mobiloans llc. about an inquiry on my credit report that I did not authorize and informed them of the FCRA violation 15 USC 1681b ( a ) 3 ( f ) ( i ) and let them know that I do not have an account as defined at 15 USC 1693a ( 2 ) for review or collection. And I proceeded to inform them of more USC violations as well as civil liability damages of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I informed them that they have ten calendar days to settle or I would see actual damages which are greater than the amount. They responded stating that they are unable to pay and refused to do so, as well as remove the inquiry. 
I responded with yet another letter filed XX/XX/2022 repeating my offer and informing them yet again of their willfulness to settle and furnish inaccurate information on my credit report citing civil liability for willful noncompliance 15 USC 1681n, 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer and USC 1681q obtaining information under false pretenses. 

I received no response. 

All correspondence is attached to this complaint. and I am ready to proceed both legal counsel to seek further damages if they do not remove this inquiry, and abide by the law that they clearly are in violation of.

Company response to consumer: Untimely response