BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are some accounts on my credit reports that I do not recognize.

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 2022-08-04
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2022 - XX/XX/2022 I was unable to access my account to see my balance because I have an old phone number on my account which I do not use anymore. And now I can not login to my account

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 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capital One Response Letter : XX/XX/XXXX, XXXX CFPB File # XXXX In with regards to your response to your letter on XX/XX/XXXX I did not apply or fill out any credit application XX/XX/XXXX for no loan with no XXXX threw no Capital One. I Financed a car in XXXX XXXX and made my first payment in XX/XX/XXXX for {$570.00} so how is it I have credit ran on XX/XX/XXXX & XX/XX/XXXX Because I did not authorize nor apply or give permission to Capital One to obtain or run credit. XXXX on XX/XX/XXXX I was renting a car so how does Capital One send me a letter as if I was or buying a car from XXXX. Capital One needs to provide documentation of such with my signature as well as the credit application with my signature as proof. 
Only time I applied for credit was in the moth of XX/XX/XXXX to XXXX of the XXXX XXXX and when I applied I instructed to only run the credit to Capital one Bank & XXXX XXXX  & The GM suggested to me I could Finance threw XXXX if I wanted to and no other credit was ran. I change my mind and did not want the car and decided to wait. XX/XX/XXXX no credit applied for to no Capital One Then Capital One has XX/XX/XXXX so why was credit ran on XX/XX/XXXX and I just got approved in XXXX and took a loan out threw Capital One and made my first payment to Capital One in XX/XX/XXXX so why was Capital One running credit on XX/XX/XXXX with out my permission and I did not apply for no credit by no one until XX/XX/XXXX I see fraud committed and unless there is documented proof of such transaction with my signature documented its fraud on Capital One because I see that my self. I don't want to here nothing from Capital One in words unless documented proof is provided and documents to support there claim as if I applied for credit on those days stated by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I deposited a cashier 's check from a local bank into my personal checking account at Bank of America via the ATM. I usually go into the branch, but was in a hurry and used the ATM to deposit my check - big mistake! Without giving me warning or the option to cancel the transaction, the bank placed a 12 day hold on the check! The hold was printed out on the receipt from the ATM. The funds were not available until XX/XX/2018. Again, this was a cashier 's check from a local bank, not a personal or foreign item. 

I went into the branch and called the XXXX number, but no one was able release the hold since it was done by the ATM. They did say if the check was collected sooner, the hold would be released - which is the law. So I waited several days and called again to see if the funds were collected. They were not. After a few more days it still wasn't released so I called the bank that issued the cashiers check to see if it cleared. They said it was still outstanding, Bank of America apparently didn't even attempt to collect the check until XX/XX/XXXX when the hold expired. 

So to anyone reading this, be very careful making deposits at Bank of America. Be very careful in general when dealing with them!!

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 2018-03-07
Company: Equitable Acceptance Corp
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Unauthorized withdrawals are being from a fraudulent from the XXXX XXXX XXXX XXXX. They are stealing money from my XXXX  XXXX XXXX checking account. I filed a fraud dispute claim against them, but now they have changed the name of their company in a sneaky manner to Equitable Acceptance Corporation and continuing to steal more money with additional unauthorized withdrawals. 

I called and filed another dispute with the fraud dept of XXXX  XXXX XXXX. This is getting out of hand and I need assistance to put a stop to their dishonest and criminal business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CONTRACT CALLERS INC
State: PA
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: Investigation took more than 30 days

Complaint:
Contract callers continues to furnish negative tradeline on credit file. Sent company verification and validation of signature. Company failed to comply and continues illegally furnish according to FCRA Guidelines.

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 2019-11-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started qualifying employment for public service loan forgiveness in XXXX of XXXX. According to NSLDS, my Direct Subsidized and Unsubsidized Consolidation Loans were disbursed on XX/XX/XXXX and I went into repayment on that same date. Since that time, I have made on-time qualifying payments every month for a total of 110 qualifying payments on each loan. This mean I should be required to make only 10 additional qualifying payments in order to obtain forgiveness on the remaining balance due. 

My FedLoan Servicing account indicates I have made only 70 qualifying payments on the Direct Subsidized Loan and only 71 qualifying payments on the Direct Unsubsidized Loan. 

I submitted requests to FedLoan Servicing online to ask someone to look into this issue on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have received automated confirmations that my inquiries have been received. However, I have not yet received actual help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I closed my Citi Thank You Premier Credit card account XX/XX/2019. While closing my credit card account I was NOT told that the reward points would expire within 60 days of closing the card. As a consequence I lost over 50,000 ThankYou reward points. 

I called their customer service but they would not reinstate the points. I am quite certain that they did not inform me that the points would expire so I would like to get them back.

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 2018-06-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to XXXX XXXX XXXX XXXX they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made an online money transfer from my bank, XXXX to my cousins bank, Bank of America onXX/XX/XXXX in the amount of XXXX XXXX The money transfer confirmation # XXXX from XXXX. My cousin, XXXX XXXX XXXX, never received the money in his account due to he had reverse to numbers in the last four of his account #. I have disputed this twice with XXXX and in XXXX repsone, Bank of America has refused to return the funds. My cousin, XXXX XXXX has called mulitple times to his bank, Bank of America with no resolution. I do not understand how a bank can make an error like this. do they not verify the account holders name to the account #? 

My cousin was given a reference # XXXX by Bank of America and said this should be no problem.

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 2022-01-20
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2022, I contacted via email Pen Fed Credit Union and requested an overview of my monthly required payment and a copy of my Promissory Note. I response was forthcoming other than an automated reply, which assigned me Case # XXXX. 

Having no response, on XX/XX/2022, I called PenFed and again asked for an overview of my payment obligations and a copy of my Promissory Note. I was told that the payment amount was {$1000.00} per month. However, I was not given any information about the terms of the loan agreement. I again requested a copy of my Promissory Note. None was forthcoming. 

Again, on XX/XX/2022, I contact Pen Fed via email and asked for a copy of my Promissory Note. I was assigned case # XXXX. In response, Pen Fed mailed my a copy of the Credit Agreement, which does not include the basic terms of the loan ( e.g., no information about the term, interest rate, etc. ) Pen Fed did not provide a copy of the Promissory Note. 

On XX/XX/2022, I again requested a copy of my Promissory Note and none has been forthcoming.

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 2019-12-24
Company: Performant Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In the past 4 days I have received 24 calls, the last two very threatening.

They asked me to provide my PII ( social and date of birth ) The callers only gave a ID number said too fast to write down. They became very threatening when I told them I would not give them my PII because I have been a victim of ID theft and credit card fraud. 

I was threatened this morning by a man. When I called the number back from which he called, I was connected to an adult live chat line. 

The man told me he would track me down on the streets and that he would get my social or take everything I own. He claims to be from a company called Premier Credit of America LLC. When I call the branch in XXXX, they just hang up the moment I mention the calls I received. 

I am fearful for my well-being at this time due to the threats made by these people who are seeking my PII in an phishing attempt. If it legitimate, then these collection persons are breaking the law. They say they already have the information but need to verify who I am and the only way I can do so is to provide them the information they demand. I have asked them not to call but the calls continue. Calls started on XXXX XX/XX/2019 and the last received this morning XXXX XX/XX/2019. 

All calls have been threatening. I gave no information about the myself, trying to get more information about the so called debt. I would have hung up right away but I have been battling clearing the ID theft and CC fraud for years, the primary numbers they call from are XXXX and XXXX. 

I have filed complaints with : Consumer Financial Protection Bureau. 
Federal Trade Commission. 
My state 's attorney general. 
XXXX  XXXX  XXXX. 
I am seeking at this time an attorney to file a civil suit.

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 2020-04-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, Our loan carrier ( Rushmore Loan Management ) has owned our loan since XXXX. The loan has been owned previously by multiple carrier 's before Rushmore. Since acquisition of the loan, Rushmore has not complied by the law that was put into effect in XXXX called the Garn-St Germain Act. 

Under this law, the mortgage company can not force the due-on-clause sale if a parent ( who's name was on the loan ) becomes deceased. The mortgage company must provide a chance for the heir 's to be able to pay the mortgage at the same payment the parent had, especially if there is a transfer-to-child execution in which the child is stated on the title has joint tenant. The mortgage company must automatically offer same payment without the need for assumption/loan modification, etc. 

Since acquisition, Rushmore has not executed the law of XXXX. They have not given us notice about acquiring the same payment without hassle of offers ( Loan modification, assumption, etc ). 

In the past, Rushmore has explained that in order to get back on track, we would have to put down $ XXXX with payments close to {$7000.00} which is completely absurd. As well, our last statement sent to us stated the acceleration amount close to {$400000.00}. The original payment was around {$2300.00} a month. 

Recently, we filled out a loan modification to adhere to their standards and for the sake of the estate and trying to save our mother 's home. But, we are trying to understand why we have not been offered the original payment as stated by law since acquisition. 

Even the CFPB stated that the mortgage company can not pursue due-on-clause after parent 's death. In XXXX, the CFPB stated the interpretive rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
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:
On XX/XX/XXXX a person opened a XXXX account using my social security number. I found out about this account on XX/XX/XXXX by checking my credit report. I contacted XXXX directly and they provided me with the person 's name who opened the account ( XXXX XXXX ) and the address where the service has been turned on ( XXXX XXXX XXXX XXXX XXXX, MI ). I reported to XXXX that I do not know this person and I did not give authorization to use my social security number. They told me to fill out the " ID Theft Affidavit '' and send it in, which I did. I contacted XXXX XXXX Police Department on XX/XX/XXXX and spoke with XXXX. XXXX. I filed a police report in the city that I live in on XX/XX/XXXX with Officer XXXX XXXX. The police report number is XXXX. I filed a dispute with Equifax on XX/XX/XXXX and the results came back that they found this account to be " factual ''. At this time, XXXX has not suspended services for the person who fraudulently opened this account and it is still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: LA
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:
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX  XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number 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 2021-02-09
Company: CITIBANK, N.A.
State: UT
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: Problem with personal statement of dispute

Complaint:
CBNA ( Citibank ) provided me with a letter through my mail and said that the account is not fraudulent. I had filed a police report about this account and they did not provide me with anything that this account is proven to be mine, they have nothing bearing my signature or anything to prove that this account is mine. This was really hurting my credit and I have been disputing it and you have yet to provide me with any proof! I am trying to buy a home so I had no other option than to pay the account so I could get my credit scores up. This account was never mine and it was ridiculous that I paid it in the first place. I am asking that you provide something bearing my signature about this debt or remove this account from my credit file all together. I am very disappointed with how this situation was handled and if this is not corrected I will be contacting the Attorney General for you not taking this fraudulent activity seriously.

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 2016-12-02
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After disputing a medical collection with the credit bureaus I requested VALIDATION of the alleged debt. The collection agency sent me what they call verification which is a computerized generic bill. I looked up the address of the hospital and I do not ever recall going there for anything. I would like validation not verification as anyone can draw up a bill and say I owe it. This debt is not mine.

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 2019-11-20
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The state of Idaho follows the federal FCRA, and with debt that did not have interest applied to it before going to collections, then it can not have interest applied in collections. 

The debt was from XXXX XXXX initially, they charged no interest or late fees. 
I have a debt from them with another collection agency and they have never charged me interest or late fees. 

The company alleges that part Idaho laws they are allowed charge 12 % interest in debt, this is incorrect. Idaho has a bad check law that can have an addition 12 % interest charged for willfully writing bad checks, this is not the situation There is no payment agreement with this collection agency, therefore no late fees or reported late payments. 

Idaho has a statue of limitations of 4 years for this type of debt, these accounts are from 2014.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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