BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. Transunion and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX/XXXX Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX Amount {$890.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX Amount {$0.00} XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX NV 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 2022-09-06
Company: The Bureaus, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/2022 I was contacted by The Bureaus, Inc. about a debt that they were trying to collect on. I was given until XXXX, XXXX, 2022 to respond. I responded on XX/XX/2022 ( certified, return receipt ) stating that I do not know or recognize your company and I believe that I do not owe this debt. As of XXXX XXXX The Bureaus , Inc. has failed to respond and is reporting on major credit bureaus. This should be removed based on the fact that they did not validate or verify debt owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been writing to you for the last 2 years and have filed my complaint about Rushmore Loan Mgm. Both have been futile. No one has done anything for the consumer.

I begged them and asked them to give me a relief. In 2006 I purchased my house for XXXX. I put a downpayment of XXXX. When I went to closing I owed them according to their records which I have not accepted I had to pay them XXXX!!!! 

For almost 14 years I paid all these loan sharks, yes I call them loan sharks ( XXXX, XXXX, XXXX and now Rushmore ) nearly XXXX and yet, I owe more than I did 14 years ago. ON what basis I am not sure? 

I asked them to explain everything but their explanation is zilch. They also charged me XXXX in arrears! I asked them to explain this or at least forgive the arrears. They refused. I settled with my second loan on this very property for XXXX. That means after all the costs involved which included taxes, fees, real estate fees, etc. I would come out with XXXX!!!! 

Rushmore and their partners or " investors '' whoever they are, rob people like me everyday. They do not care if I own or lose my house. Their motto is to protect their investors and their investors want to make 200 percent on their investment. 

This has been a trend and it will not go away until institutions and orgs like yours really start doing something about it. Why should banks and loan sharks make so much out of the misery of the citizens of this country when I personally tried to keep my house, pay my mortgage and try to own a brick in my house. 

Why don't you really do something. Because Rushmore and alike will continue fleecing people who have no rights and no power. 

Rushmore got XXXX out of me. And I am left with the pieces never being able to buy anything. I also wanted to get out of this horrible loan, yes a horrible loan. 

I will expose Rushmore in every way I can. The least they could have done would have been to forgive the so-called arrears. 

On top of it after they got all this money illegally ( yes illegally ) they sent me a letter asking for more! I guess they didn't get enough. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Integrated Recovery Services
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
A representative called me on XX/XX/2015 regarding a debt a relative has, I explained I have nothing to do with the debt and requested no contact, they assured me they would take me off as contact. On XX/XX/<YYYY> I received an automated call regarding the same debt owed by a relative. I called again to ask that they remove me as a contact, " XXXX '' stated that the relative would need to have them remove me. I asked why she could not remove me as an non-involved part that did not want to be contacted, she again stated that the relative needed to have me removed from their contact list. I asked if they followed FTC regulations, she stated they follow their own regulations then put me on hold and did not return to the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, L XXXX 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 2020-06-20
Company: Thaxton Investment Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Repeatedly called my job. Repeatedly called my references. Calls me numerous times a day starting at XXXX. 
I asked them to stop calling my job and they continued and then a representative named XXXX called my job threatening legal action and demanding to speak to my manager. 
I spoke with the manager at this location ... Covenington Credit in XXXX XXXX Al XXXX ... and told her everything and asked that they not call my job or references. Told her it feels like I'm being harrassed because I missed a {$99.00} payment when my hours were cut at work. She assured me they wouldn't contact me at work or my references. Then the numerous harassing phone calls started. It has gotten so bad that I blocked them from calling. My phone won't ring but they still get my voicemail. Yesterday they started at XXXX XXXX. Last week it was at XXXX. 

I want them to follow guidelines and asked them to do so and yet they still continue. I don't know what else to do. I am doing side jobs to try and earn the money to pay them. They will not do any type of arrangement during pandemic shut down because I was employed no matter that my hours were cut drastically. I am no longer employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX  XXXX XXXX from XXXX XXXX, XXXX XXXX, KS on XX/XX/2020. On XX/XX/2020 I refinanced the loan with my credit union XXXX XXXX and was sent a check for {$37000.00} to pay off the Hyundai Motor Finance loan, which was mailed on XX/XX/2020. As of today, XXXX is advising me they have never received the check, although I've faxed and emailed them a copy of the check they endorsed and cashed. My credit report has now been affected and I've disputed the claim with XXXX and XXXX to no avail. I have reached out to Hyundai Motor Finance several times and keep getting the run around. I need to have the lien released so I can add my credit union to the title and this matter resolved ASAP.

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 2015-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The address XXXX XXXX XXXX XXXX, XXXX PA, XXXX appears on my credit report under addresses. I have never lived at this residence which raises the concern of identity theft. I would like this address removed from my credit reports as it is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I continue to receive an inaccurate coupon for {$1700.00} that does not reflect the interest paid directly to TIAA Bank by my employer, as a relocation interest subsidy. In addition, they continue to include charges for house insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, they continue to charge for flood insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, and they continue to charge for the increase in property tax which was also paid-in-full directly to the escrow account on XX/XX/XXXX. 

All of the aforementioned payments have been verified at my financial institution as received and cashed by TIAA Bank Cash Management. 

I changed insurers and paid them directly in XX/XX/XXXX ; however, the bank disbursed funds to one on the cancelled policies, even after I notified them of the change. The cancelled policy holder sent the checks to me, and I in turn sent the funds back to the escrow account. The other insurer failed to charge me directly, despite being given my credit card information. Once discovered, I sent these funds back to the escrow account as well, as detailed above. I had to contact the XXXX XXXX XXXX  in order to find someone in TIAA Bank capable of identifying and resolving the issues. I thought that once these concerns were cleared, I would receive an accurate billing statement ; however, the statement is still inaccurate. 

As per communication that was only achieved after contacting the XXXX, the following is an accounting for the aforementioned loan and the manner in which TIAA Bank has been paid since XX/XX/XXXX, and will continue to be paid until this loan is refinanced by a financial institution capable of servicing my loan appropriately, or my employer 's annual interest subsidy is adjusted in XX/XX/XXXX, whichever comes first. 

The following are charges and payments by month : Principal and Interest {$1100.00} Taxes {$400.00} Subsidy - {$210.00} My Payment - {$1400.00} Due - {$96.00} Note : The tax calculation is based on the original tax amount of {$4800.00} divided by 12 months to arrive at a monthly amount due, since the {$680.00} increase was previously paid directly to the escrow account. 

TIAA Bank receives each payment on time. The additional {$96.00} they receive from my monthly payments should be applied directly to my principal balance, as requested. Instead, I continue to receive fraudulent delinquency notices. The escrow account is not a slush fund. When I spoke with TIAA Bank via the XXXX, I requested a reconciled balance from the bank. The P & I, Subsidy, and Tax amounts were provided by the bank, so I do not understand why they still can't get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Protas, Spivok & Collins. LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Protas, Spivok and Collins ( PSC ) works for debt collectors, s uch as  XXXX   XXXX  and  XXXX    XXXX   to unethically garnish wages and collect on debts already paid. See online complaints :   XXXX   XXXX    XXXX  Report : #  XXXX  and   XXXX   XXXX    XXXX  Report : #  XXXX  Mine is yet another case of  Protas, Spivok and Collins going after a debt already paid. I paid my debt ( for a credit card ) i n   XX/XX/XXXX .  It is now 13 years later,  XX/XX/XXXX . I have documentation that the debt was paid. PSC is not willing to accept it. They put a court order through to garnish my wages at 25 %. I created a motion to vacate judgment ... but it takes time. The garnishment will begin before the case can be heard. I contacted my bank to see if I could get an old bank statement or cancelled check, but banks keep their records for 7 years only. They can not go back further than this . PSC knows this ; it is a part of their strategy. Many people shred records after 7-10 years. PSC knows this and counts on this as well. Others who have complained said that PSC came after them 13 years after they paid a debt, just like me. PSC also charges interest on all the supposed years the debt was not paid, so my debt, just like the others who have complained is 3 times the amount of the original debt that was ALREADY PAID. Protas, Spivok and Collins are extortionists and need to be stopped. Too many people 's lives and wages  are being drained and damaged by their unethical debt collection practices years after records are destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I did not pay my tax on time to the New York State, then I received a letter from the county clerk and paid it the same day to State by phone. I just found out on my credit report as negative against on two occasions. Why should these be on my record?

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 2020-03-27
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 status incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 explanation
Consumer complaint received 2022-08-04
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Pen Fed offered a promotion for {$150.00} if you accepted paperless statements.

The offer is below.

I tried to get them to honor, but wasn't able to. 

XXXX XXXX Last chance to celebrate the season with an extra {$150.00} when you sign up for monthly recurring electronic payments on your credit card account and enroll in paperless statements.

HOW TO QUALIFY Log into your PenFed Online account and follow these two easy steps : 1. Set up Monthly Auto Pay Select " Make Payment '', set your payment preferences, then update " Frequency '' to " Monthly Auto Pay ''.

2. Enroll in paperless statements Select " Delivery Preferences '' under " Statements & Documents '' and update your credit card statement delivery to " Electronic ''. 

Your {$150.00} statement credit will appear on your XX/XX/XXXX statement. 

Dont wait! This exclusive member offer is only good until XX/XX/XXXX! 


Download the PenFed App Get it on XXXX XXXX  Download on the App Store Follow PenFed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as web page DISCLOSURES 1. No purchase necessary. In order to receive the {$150.00} credit to your statement, you must complete both requirements during the promotional period ending XX/XX/XXXX for your account ending in XXXX : ( 1 ) sign up for automatic payments and ( 2 ) enroll in paperless statements. If earned, the statement credit will be applied to your account within two billing cycles of the offer end date. In order to qualify, your account must remain open, be in good standing, and not become delinquent. Statement credit can not be used to satisfy the required monthly payment on your credit card account and may not be redeemed for cash or cash equivalent. This offer is non-transferrable. Limit one statement credit per cardholder. Offer ends XX/XX/XXXX. 

Questions or comments? Contact us. 

This email has been sent to : XXXX. To change your email address, please log on at PenFed.org. This will ensure your official records are updated.

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 2020-03-27
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification from the credit bureau that a collection had been placed on my credit file. I looked up the company. found their address and sent them a letter stating that I never received any correspondence fro them and that i did not know who they are or what this was for. 

The company sent me a new letter stating that debt was mailed to me on XXXX. All that i can say is that i never received a letter from them. I also advised that them that i have insurance which wound have paid it. There is no reason for me not to have paid a {$47.00} bill except i did not receive it. 

I've also had some issues with some on using my name - which make me even more suspicious. I didn't tell them this because its not their business. I just never received a letter from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am a XXXX military Veteran trying to open an account with Navy Federal Credit Union. As per their email I received they requested identifying documents, which, as per their email, was sent to them. Every document, except my state drivers license, was not accepted, even though every document sent to them was in the list in the email from their Security Operations section! I sent my most recent Federal tax return ( not accepted ) ; my XXXX rental verification document ( not accepted ) ; etc. I called and the customer service agent said even though the documents requested were in the credit union 's emails to me - they were not accepted! He could not explain why they would ask for said documents and then reject them. I have included their original email asking for the documents in question : Thank you for sending in your requested document needed ; however, the driver 's license attached is too small for us to accept ( Send a larger photo ). In addition, the proof of address was not accepted ( Full document from list below ). Please resend your full and clear copy of your government issued photo ID and a different proof of address than attached that you used to open your account from the list below. You may send a clearer copy via email to XXXXXXXXXXXX. 
Acceptable Primary IDs Driver 's License XXXX Citizen ID card Passport Permanent Resident Alien card Acceptable Proof of Addresses Voter 's Registration Card Paystub within the past 2 months Vehicle Registration Insurance Documents Bank Statement within the past 2 months Local/State/Federal tax documents Utility Bill within the last 2 months ( water, gas, electric, trash ) IRS XXXX from the most recent year Security Operations Navy Federal Credit Union XXXX XXXX ) XXXX

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