BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: Experian Information Solutions 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 was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX XXXX. Please remove the following employers : 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 2020-03-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX  : Does not provide a way to get a free credit report. 
I have a notice from a bank with questionable information reported by XXXX  -- and they require you join a membership for a fee of {$7.00} to get a credit report. There are no links or information on their website about getting a free report -- whether the annual one or in response to an event. 
There is no way to effectively content them to request one, either. 

In an effort to get to my report, I tried going to the File a complaint section to dispute something. The text on that form was so exceeding small I was barely able to read it -- and the construction of the site -- miniscule 6 point text crammed into a box with tiny little boxes to enter data -- was designed to ensure no one could actually complete the form. 

I work in XXXX  XXXX  XXXX  -- having worked on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- and I can attest that these are all active executive decisions -- type doesn't just show up unreadable and forms unusable. This is a passive aggressive strategy to discourage and disable people from correcting errors on their credit reports. 

Also -- the forms and websites are in violation of the Americans with Disabilities Act. 

Equifax : Does not provide a free credit report Although there is a method of requesting the report, once you complete all the information, you get a message that they can't produce it at this time. You're at a dead end, and advised to call customer service. 
I've been on hold with customer service for over an hour. 

Equifax also offers to provide all 3 agencies ' reports -- but offered no way to do that within the online interface -- so that's just false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
I have held a credit card with US Bank since approximately 2004. When I opened the account, it was a XXXX XXXX rewards card. When XXXX XXXX became XXXX XXXX, my card became a " XXXX '' card. This card has an annual fee of {$45.00}. I want to convert the card into some US Bank card that does not have an annual fee. US Bank phone customer first told me I would have to go into a branch- the closest is 1.5 hours from where I live. I called the branch, they looked into it and told me there is no way to convert this card to something without an annual fee. I have to either pay the fee every year for benefits that I do n't use- or close the account. I do not want to close the account because it having been open and in good standing for 12 years reflects well on my credit history. I feel like my credit score being held hostage by US Bank, either pay or suffer! I have assured them that if I close the account, I will not be opening a new XXXX with their bank, but would like to work together to remain their customer. Their only answer is that I can spend at least $ XXXX to earn enough rewards to redeem them for the annual fee, but this is also them forcing me to adhere to their terms. All I want is a US Bank credit card on the same line of credit with no annual fee.

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 2016-02-20
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Opened a checking account last year with US Bank then decided to refinance house with them. Started this in XXXX XXXX after making me jump threw hoops and making me pay for underwriting fees up front or they would cancel the loan if I didn't.. I finally got a call from the loan agent saying we were in final in XXXX XXXX nothing was said when i spoke to him about taking XXXX dollars out of my account and not telling me. When I noticed the next day when I was in the negative in my account. Called him and told him he needed to put the money back that things where going to bounce he said not to worry because you have over draft. Went to the bank the next day told loan agent to put the money back and he should have told me he was taking out of my account. He said he would have to put in for the money to get it back and then told me he cancelled the loan and I would have to talk to the manager to get my fees back so talked to the manager and after some debate on whose fault it was he said he would give me the fees back and would fix it back to the way it was before this mess. 
They sent me the XXXX back for underwriting fees I deposited in there bank. When the loan agent saw me asked me if I got the other money back I said no. He gave me a number of someone else to call. Decided to open an banking account at another bank did not trust this bank with my money. After weeks I did finally get my money and then went to close my account they said I owed XXXX in over draft fees. What a scam they are running

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 2020-03-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Consumer Reg E Violation by TD Bank I opened a new savings account at TD Bank located at XXXX XXXX XXXX in XXXX XXXX with bank representative XXXX XXXX and the following events occured : - On XXXX account initially opened with {$25.00} and my incoming the rep that I would make a {$5000.00} deposit the next day. At account opening I stated I did not want an ATM or Debit Card twice, however on the third ask, I conceded and told the rep she could issue me a ATM only card with no debit capability. 

-XXXX {$5000.00} check deposit made. 

-On XX/XX/20 at XXXX XXXX  I received a fraud alert by text from TD Bank that there was an attempted withdrawal in the amount {$760.00} from my account. Upon speaking to TD Bank representative I was informed that three prior withdrawals of {$760.00} each were already made - which I did not receive a fraud alert for. 

-The ATM card never arrived to my residence in the mail. 

-Three withdrawals totaling {$2200.00} were taken from my account at TD Bank located at XXXX XXXX XXXX XXXX XXXX follows : XX/XX/20 at XXXX XX/XX/20 at XXXX XX/XX/20 at XXXX -Once alerted of the above I filed an ATM claim # XXXX on the same day ( XX/XX/XXXX ) -On XX/XX/XXXX upon calling TD myself I was informed that the claim was declined. Subsequently I filed a new ATM claim # XXXX and informed the representative that I would be filing a police report. 
-XX/XX/20 Police Report Filed -On XX/XX/20 ( Saturday ) upon receipt from the XXXX, I forwarded my police report to the regional manager XXXX XXXX and Assistant Manager XXXX XXXX. 
-XX/XX/XXXX Monday morning I received a call from XXXX XXXX informing me my claim was declined again based on the correct PIN code being used. Keeping in mind that I never received or activated a TD Bank ATM card or otherwise. 
-Ms. XXXX stated she was reopening my claim on XX/XX/XXXX. I am awaiting the requested claim number. 

-I communicated to the Bank that I believed my personal information was compromised at TD Bank itself and that my PII was not protected by the Bank as it should be. 

-I asked the Bank to provide me with the phone number used to PIN the ATM card, but was not accommodated. I asked the Bank to pull the video of the withdrawals being made, but was not accommodated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had multiple removals on my credit report and then noticed that a few of them had been reinserted without notification within 5 days via mail that this had occured. I require that these reinserted unverified items be permanently removed as this is in violation of section 1681 of the FCRA. An online alert letting me know 2 weeks after reinsertion is NOT sufficient and this must have occurred via USPS mail. No notification via mail was received and these items must be removed. 
On XXXX XXXX XXXX I only had XXXX negatives remaining after the rest had been removed : Vertans admin ( XXXX ). 
On XXXX XXXX, there were now XXXX accounts : XXXX, XXXX ( XXXX ), XXXX On XXXX there were now XXXX accounts again : XXXX, XXXX, XXXX, XXXX ( XXXX ) This is an illegal practice and these items must all be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Rushmore loan management services has been sending letters saying we are in default of our mortgage. The most recent letter is dated XX/XX/2015 and states that we are in default as of XX/XX/2015. Obviously, this makes no sense. Additionally, according to bank records the mortgage payments sent to Rushmore have been cleared every month since we've had this mortgage. This letter dated XX/XX/2015 is the XXXX letter we've received. After the XXXX letter I called the company & they said they would take care of it. Today I was told that they couldn't talk to me because I'm not my husband! I am concerned that this will affect our credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Southern Oregon Credit lied about trying to contact me and my husband by mail and phone. They also lied my husband said he'd pay them XXXX bucks in XX/XX/XXXX and hung up. That is not something my husband does. I got a small claims case against me and my husband last nite and this is the first me and my husband have heard of anyone trying to get ahold of us. They also had the qrong place to send mail so maybe thats where they sent stuff and dont want to admit they sent it to the wrong place. I called today XXXX first thing in the morning to negotiate some payment and They said we have 14 days to pay them almost double of what the medical bills are or we go to court and pay even more fees. They didn't even give me any way to dispute these medical bills as I know for a fact one of them billed our insurance wrong and the other I don't remember going to this place dated from XXXX. Not even a chance to make payments, I have payments with other bills and we make them. Was rude as they had someone come XXXX at XXXX at nite right during dinner time not to mention we just drive back 3 hours from a neurologist for my son. We just went thru a pandemic and everything has gone up so it's hard getting caught up, this place is not empathetic at all. They have a disregard for people struggling. They also have a disposition to call people liers and as a person of God it makes me sick. Not sure who needs to be contacted to clean up this places buisness running tactics and ethics but it sure needs to be done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, My name is XXXX XXXX XXXX. My address is : XXXX XXXX XXXX, XXXX, RI XXXX.My date of birth is : XX/XX/XXXX.My social security number is : XXXX 0n XX/XX/XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX XXXX XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( Equifax ) are 1. XXXX -XX/XX/XXXX 2.XXXX -XX/XX/XXXX XXXX. XXXX -XX/XX/XXXX 4.XXXX XXXX XXXX - XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX XXXX XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: SLM CORPORATION
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX  : questioned by the attorney working for the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) abo ut the loan in question ( she should not have had knowledge of it whatsoever )  XXXX  :   XXXX   and held in  XXXX  in  XXXX   XXXX   XXXX  for   XXXX   XXXX   related to this student loan  XXXX  : previously reporte d Sallie Mae for v iolations of their privacy policy and disseminating personal information about my loan to a  3rd  party (  XXXX  attorny  XXXX   XXXX   XXXX  )  XXXX  : was incarcerated in  XXXX   XXXX   XXXX  for  XXXX    XXXX   related to this student loan ; was informed that it had to do with  Sallie Mae wanting to pursue  charges  XXXX / XXXX /  XXXX   : Released cosigner from liability relating to this student loan ( mailed letter to  Salli  e Maw hea dquarters ). Spok e to a Sallie Mae representative on the phone, was told that the loan in question was in default and he gave me two s ettlement options ( neither of which is practicle nor can I afford them )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 

Last XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: LA
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:
Equifax is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers ****XXXX  ; XXXX ; XXXX ; XXXX ; and XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  New name for  XXXX   XXXX  but it triggered a lower credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On the XX/XX/XXXX ocurre 3 transactions that drop my balance from XXXX to XXXX dollars the transactions are as describe : Description : CHECKCARD XXXX XXXX XXXX XXXX CA XXXX CKCD XXXX XXXX CHECKCARD XXXX XXXX XXXX XXXX CA  XXXX CKCD XXXX XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX XXXX NY XXXX XXXX XXXX after this 3 transactions come in 2 transactions come as processing, and i spoke with XXXX XXXX Supervisor on the Floor Customer  Service Small Business , she claim those transaction where processing on the XXXX and effectively at that moment i did have balance but she also claim the transactions were process next day when my balance was negative because two new transactions come in. effectively two transactions come in but right after my balance was XXXX XXXX showing in the application. i am disputing those 3 overdraw fews that where originate for charges process on XXXX for the XXXX Transaction, another one on the XXXX for the apple, and the XXXX for XXXX was originated on the XXXX as XXXX confirm over the phone but where fully process on XXXX just when two other transaction come in and they charge me overdraft for transactions originated on the XXXX and XXXX. I spoke with XXXX XXXX who claimed those charges are valid to be exact she say are absolutely valid and she cant do anything about

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 2017-01-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In the course of our mortgage loan being purchased by XXXX XXXX XXXX from XXXX XXXX XXXX it was discovered that an additional amount of $ XXXX had not been forwarded or exchanged between the XXXX companies. The end result of their oversight somehow fell to the borrowers. We the borrowers filed a motion with the court to get the matter rectified, with the court ruling in our favor. The court ruled as we had stated that the $ XXXX owing was not as the result of the borrower failing to pay our monthly mortgage amount, but that the $ XXXX owed was to be ratified between the XXXX parties eliminating the borrowers culpability in the matter. Rushmore Loan Management Services purchased the loan and is keeping with the same practice as XXXX and has failed to honor the court 's ruling as well. To date the court 's ruling has been ignored by all parties. With the increase of the $ XXXX added to our monthly payment and the mortgage ballooning to 9 % we were forced to file chapter XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation