BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: RMS-Recovery Management Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Recovery Management Solutions continously calls and violates FTC guidelines by not identifying themselves as a debt collector PRIOR to asking me to identify myself. 

RMS continues to call and ignore my request to to cease and desist calling.

RMS has ignored my dispute of any debt included in my XXXX XXXX bankruptcy filed in XX/XX/2016.

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 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I informed all XXXX bureaus that XXXX  Credit that the 4 year reporting period in the state of TEXAS has expired on this account and they still continue to report in an being in violation with the FCRA. The updated their reporting date but did not change DELETE this account. Attached is the initial dispute requesting for this violation to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account was dispute it and deleted for inaccuracies and they added it back after fraudulent activity and now theyve put the collection under a different Company to be fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, Professional Placement Services added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Professional Placement Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 account # XXXX, XXXX XXXX  account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX  Account # XXXX, Bank XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX 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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-07-06
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX for an attempt to collect a debt in the amount of {$280.00} on XX/XX/XXXX. I mailed in the request on their letter in the enclosed envelope, requesting additional information on the debtor and amount owed on XX/XX/XXXX. The letter states to do this by XX/XX/XXXX, which was done. I now have TWO derogatory remarks on my credit report from this company for the same " bill '' and have not received ANY documentation from this as requested as of today XX/XX/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 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX, My credit card account with XXXX was compromised and I lost all access to bill pay on the account. In XXXX, XXXX reported that I was late on payments erroneously and that I was late on payments ( when i have no correspondence from XXXX on this ). I requested at this time that XXXX suspend my card. Now they have continued to accept charges on my card and have reported, again to the credit agencies, that i owe money on this card and was late in XXXX, when my first correspondence was in XXXX on this. Please request that XXXX take these notes off of my credit report.

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 2022-07-06
Company: TRUIST FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Hard Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-XXXX  ( XXXX XXXX XXXX XXXX. ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-Truist Bank ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud.

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 2021-07-06
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company said I opened an account with them on XX/XX/2021 which is totally false and I believe is fraudulent. I have not entered into any contracts, signed any agreements or promise to pay any debts with the company listed. I need this debt removed from my credit report and to cease any further attempts to collect this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: United Group Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Our car was repossessed. We were able to get a loan with another company. During that process we asked XXXX at the XXXX branch of United Finance repeatedly if a cashier 's check in their name was going to be ok. She repeatedly assured us it would be fine. We remained in contact with XXXX during the whole process. We received the check and took it to their office. We were told that they were not going to accept the cashier 's check because we might cancel the check. I assured them that I would not and that I was told that if I did that I could be facing criminal charges. XXXX said he needed cash or would not release my car. Or he gave me the option to give them the check and once it cleared they would release my car. I went to the bank to get cash and they said they had to order the cash and that could take 5 days. So at this point I decided to just give United Finance the check and wait for it to clear. While I was in the office I over heard one of the employee 's tell a customer that they would mail the title to them once the check had cleared. Since United Finance is holding my title they could do the same for me and not be in jeopardy of losing the ability to repossess my car. Because of the wrong information I was given by their employee and their unwillingness to work with me I will now be out at least {$350.00} for storage fees of my car. I want to be reimbursed for those fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy Federal took all the money I had left in my checking account without authorization and put it on my credit card for the 2nd time now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
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:
I am very concerned about the items that are being reported on my consumer file. Not only are they inaccurate, they are unjust, and cause great harm to me and my family and are livelihood. They should should not even be reporting any information I DID NOT give them consent. I want these accounts removed immediately or Ill will be filing a legal complaint.

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 2017-05-30
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On  XXXX   XXXX  we contact ed Discovery Student Loans to n egotiate a longer repayment term in order to reduce the monthly payment amount - While polite they would not extend the term to 30 years which would probably allow me to make the loan payments without going into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refuse to drop my PMI even though I have almost 30 % equity also over the past year had issues with my escrow and the lender not paying my insurance for over a year did not have any insurance without my knowledge and raising my mortgage at the same time

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 2019-08-26
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my XXXX & Experian Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & Experian Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}

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 2021-07-06
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 would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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 2022-02-24
Company: EQUIFAX, INC.
State: NC
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: Other problem getting your report or credit score

Complaint:
Equifax : I can not access my report on no webiste, not XXXX XXXX, equifax or XXXX. I have contacted them several times and still no resolve. Everyone that answers does not seem to understanding my concern. Once I log in my profile is completely blank! 

XXXX : I have cancelled my subscription 8 months ago and they continue to charge me. I have called serveral times. Today I called on hold for 35 mins someone picks up and stated they were the manager on duty today, this is the first person to pick up. My response was thank you for being management I have a problem and he hung up. I called back on the be on hold for an hour no answers and yet I have {$260.00} worth of charges for services I cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I called XXXX ( Netspend ) to close my checking because I can not transfer my money out of my account ( XXXX  ). They are only allowed to withdraw money from ATM machines. After I request to close my checking account, I have been told by CSR there is a direct deposit of {$1000.00} in XXXX that was not under my name. I told them {$1000.00} direct deposit was under my mother 's name. It was accidentally deposited to the wrong account. I asked them if they can issue a check of {$1000.00} to my mother 's name. They told me it must be ACH back to its original from. The {$1000.00} comes from my mother 's XXXX  payroll. On XX/XX/2022, they told me the money would return to XXXX. It takes up to six days to receive it. As of today, we still do not receive the amount {$1000.00}. The bank asks us to contact XXXX  with a trace number, but XXXX  can not find it. The {$1000.00} was lost, and XXXX  can not find it. The bank can not do anything for that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: REVERSE MORTGAGE INVESTMENT TR
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Contacted Reverse Mortgage Funding LLC regarding paying off my reverse mortgage, first by phone on XX/XX/XXXX, then by online submission of their payoff request form also on XX/XX/XXXX. Heard nothing so I followed up on XX/XX/XXXX by phone. Was told it had been emailed on XX/XX/XXXX, though nothing from them was ever received including in junk mail. Company emailed me the payoff quote on XX/XX/XXXX at XXXX XXXX. During the phone call on the XXXX, I asked how to keep the account open. They said to underpay by {$50.00} which would keep the line of credit open. So following their instructions I paid {$50.00} less than the full payoff quote and labeled my payment as a partial loan repayment. I paid {$220000.00} on XX/XX/XXXX by wire transfer. The mortgage company accepted the wire and in my account online the payment was recorded as a full payoff on Tuesday, XX/XX/XXXX. Obviously even though I underpaid by {$50.00} as instructed, the amount wired was adequate to pay the balance including interest and MIP prorated through XX/XX/XXXX. A refund of approx. {$400.00} would have been due as the amount submitted was an overpayment above the prorated figures. 

Thought we were all taken care of and decided to not worry about keeping the line open. Then on XX/XX/XXXX at XXXX PDT, I get a phone call from my bank ( XXXX XXXX  ) saying the wire transfer had been returned " at my request ''. I had not communicated with Reverse Mortgage Funding LLC since XX/XX/XXXX and the " at my request '' wire return is absurd and never happened. Since when do mortgage companies return loan payments " at your request ''? 

When I returned to my reverse mortgage online account on Friday, XX/XX/XXXX after the bank 's phone call, there was no repayment transaction listed and no wire return transaction listed either. In other words it was like none of this happened though my bank records clearly indicate both transactions occurred. 

I sent email to bc@reversedepartment.com ( their customer service email ) on Friday, XX/XX/XXXX and received an auto reply they had received my email. In the email, I denied asking for any funds back and that I expected there would be resolution today, Monday, XX/XX/XXXX, by reinstating the payoff as of XX/XX/XXXX meaning no more interest or MIP after that date and that the refund due on that date should be processed immediately. 

The three times I had spoken to Reverse Mortgage Funding LLC customer service prior to the wire transfer, it took being on hold for over 60 minutes each time, and when finally connected, the reps were seemingly ignorant on how to make a wire transfer payment even though the directions did come with the payoff quote. Stating they have abysmal customer service, poor business practices, and make communicating difficult at best would be too kind.

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 2022-02-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Rushmore Loan Management on XX/XX/22 because I did not receive my monthly statement and wanted to know what I owed, they said I did not receive a statement because my account was referred to collections. I spoke to a representative who gave a name as XXXX, ID XXXX, who stated I had to pay in full the remainder of my mortgage balance. She further stated they would not accept the monthly payment of {$170.00} reflected on my last statement but would refuse any payment unless it was a payment in full. 

After a loan modification years ago I have a deferred balance of {$2000.00} and a separate balance I have been paying interest on at the rate of 4 % after the modification. I have paid all but a penny of the interest portion of my balance so they are now saying I must pay in full the deferred balance immediately. 

I stated I have many years before my mortgage is due and I do not have to pay off the mortgage early and do not have the ability to pay the balance owed but I will continue to make my monthly payments. They stated I can only pay off the remaining balance in full and they will not accept anything but full payment. They stated again I had to pay in full and they would reject any monthly payment I may send in. 

I dont see how they can demand payment in full when I still have years left on my mortgage term.

Company response to consumer: Closed with explanation