BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: Albert Corporation
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received in the mail an unsolicited Albert cash card. The card reflects my name and was mailed to my home address. On XX/XX/2022, I sent an email to XXXX notifying them that this was a fraudulent account opened in my name. I requested that they close all accounts in my name and send me confirmation that action to close all accounts in my name were closed. On XX/XX/2022, I received an email from XXXX thanking me for bringing to their attention the Albert cash card I received in the mail. They asked me to confirm the full name printed on the Albert cash card and the last 4 digits of the debit card number. They indicated they would close the account once this information was received. On XX/XX/2022, I responded with the full name on the Albert cash card and the last 4 digits of the debit card number. I requested written confirmation that the account was closed and also confirmation that there were no other accounts open in my name. As of XX/XX/2022, I have not received any further communication from Albert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I APPLIED FOR AMERICA EXPRESS VISA CREDIT CARD ON THE XXXX AND XXXX XXXX XXXX.MY APPLICATION WAS FIVE TIMES.MY APPLICATIONS WAS FOR FIVE COPIES OF AMERICA EXPRESS VISA CREDIT CARD THAT WAS MEANT FOR FIVE PERSONS.I USED FIVE DIFFERENT NAMES TO APPLY FIVE TIMES FOR AMERICA EXPRESS VISA CREDIT CARD ON THE XXXX AND XXXX XXXX XXXXTHE AMOUNTS WERE ABOUT {>= $1,000,000} & {>= $1,000,000} & {>= $1,000,000} & {>= $1,000,000} & {>= $1,000,000}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I discovered Aargon Agency reporting on my credit report and since I have never received any notice of me oweing them a debt, I attempted to dispute this account. After various attempts to dispute this account with the bureaus, I followed up with Aargon agency directly on two occasions. I used the creditor contact displaying on my credit report which according to the bureaus, is the same address they used to verify the debt. However, on both occasions, I received my letter back as it was deemed not deliverable as addressed and unable to forward. I will be including both letters.

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 2017-04-26
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
: I have medi cal Insurance and the y refused to take down information. Please advise to charge :  XXXX  NJ  XXXX   XXXX   XXXX  Member ID YHZ  XXXX  Member  XXXX  Provider  XXXX  Dental  XXXX  Pharm/Hosp  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 2020-08-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX  XXXX {$1700.00}

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 2020-08-11
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought the home on XX/XX/XXXX. Money placed in Escrow to pay insurance on home. The insurance due this year on XX/XX/XXXX. I received the invoice and called the mortgage company to ensure it would be paid. They said when they received in the mail. I called insurance company to make sure it was mailed to the mortgage company and it was. I received another letter stating insurance was not paid on XX/XX/XXXX. I called again to mortgage company they stated did not receive bill. I ask them to call insurance company while I was on the phone, they refused. I ask what could be done. They said it was my responsible to ensure insurance was paid. I called Insurance company again had them fax bill and declaration over. I called Insurance company the next week to ensure it was faxed on XX/XX/XXXX it was and I called Mortgage company ever since with no response and still unpaid insurance bill. I called my lender guy I work with to help he said he would and get legal team on board and still unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Springleaf Financial contacted the HR Department at my job multiple times and disclosed to them that it was regarding a debt. They even asked the HR Department to hand deliver the message to me. Now I am facing losing my position in the company and possibly my job. In addition, they call my office and cell number around 4 to 8 times per day every day. I never intended to not pay my debt. Medical circumstances have complicated my financial situation due to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit reporting & low score ... .This Bureau is not using my credit repayment history to rate my creditworthiness, but instead is relying on credit inquiries, & credit card usage while overlooking the ( the most important factor ) My repayment history & ability to repay. I seeking a correction, of this ( Poor ) Rating as it has a direct affect on my ability to get low rates which consequently becomes the greatest avenue to ( not only getting good & reasonable rates but indeed making it much easier to repay .... My bills are at 100 % repay & my score should reflect the excellent Payment history & score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XX/XX/2016 ''. It is now XX/XX/2016, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.

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 2023-03-23
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking, savings, & credit card account with First Tech FCU for over 10 yrs. My line of credit was XXXX and my payments of {$300.00} each month were in very good standing until I missed a payment for XXXX 2022. It was an oversight. I was having health issues during XXXX & XXXX of 2022, and I was admitted by emergency at the XXXX XXXX XXXX XXXX where I underwent extensive testing and treatment for 2-days. 
I had been with that same bank branch location before it changed names a total of 3-times, ( over 20-yr 's ) I first opened my account at that branch when it was XXXX XXXX XXXX, XXXX XXXX XXXX changed to XXXX XXXX XXXX, and later became First Tech FCU. 
My direct deposit from my employment went to First Tech FCU, my mortgage payments were automatically paid thru my checking account. The bank failed to make my mortgage payment for XX/XX/2022 because they closed my account without notice. My excellent payments with my mortgage were negatively affected as a result. 
According to the Consumer Financial Protection Bureau, First Tech FCU violated the Fair Debt Collection Practices Act ( FDCPA ) when they garnished the entire amount of funds available in my checking account in the amount of {$4000.00}. without a court ordered judgement, & without proper notice. 
ADDITIONAL DETAILS I could no longer access my bank statements when my account had been closed. 
The bank was demanding full payment in an amount above the amount owed without reducing the unauthorized funds that First Tech FCU had garnished from my account. I did not agree to the demands and the banks agent wanted in the amount of {$650.00} a month ( previously {$300.00} a month ). 

A debt collector, " XXXX XXXX " with XXXX, XXXX contacted me last month in XXXX by sending me a validation notice. I responded and disagreed with the incomplete & inaccurate details that he provided ( See Attached item 1 & 2 ) XXXX XXXX replied again 1-week ago, but this time he made false & slandering accusations. ( See attached, item 3 ) His words were very offensive, false, and contrary to the integrity of my credit file in excellent status.

I recently discovered that the entire 10 yrs. of my payment history with First Tech FCU is missing from my credit report ( not displayed ). ( See Attached, item 4 ).

I have always strived to maintain an excellent status with my financial responsibilities, & payments debts, accounts, and creditors. request that this creditor 's derogatory reporting not be considered as a negative reporting at this time against the integrity of my credit history on file because I am pursing legal action against First Tech FCU.

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 2020-08-11
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX 2018 this account got charged off, which destroyed my credit. Aftter more than a year and a half of the account being charged off, they started reporting a monthly payment, and they are reporting me currently late 120 days, which I can not be late on a charged off account, and I can not have a monthly payment on it either. I understand the pandemic has people confused, but this confusion is destroying my life and my chances of ever getting my credit back in order! Please help me!!!

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 2020-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I, XXXX XXXX am inquiring about my Bank of America Home equity line of Credit. My 2nd mortgage was discharged in a Chapter XXXX bankruptcy. I would like to know why my second mortgage was NOT forgiven in the National Mortgage Settlement Act. My first mortgage was modified under HAMP, and Bank of America never modified my second mortgage, which was to happen automatically or never forgave my 2nd mortage under National Mortgage Settlement Act. 
Please explain why nothing happened and I did not receive the assistance that was available. I would like this mortgage to be forgiven the way it should have been.

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 2020-08-11
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I have XXXX 1 month trying to send my bitcoins to another wallet or withdrawl my money thanks to coinbase I lost XXXX, I just want my money or send my bitcoins to another wallet, They didnt answer me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an SBA loan with Huntington Bank and the representative took my information and submitted the application supposedly to underwriters on XX/XX/XXXX. The issue that I have with Huntington Bank is their representative lead my business partners and I that the loan was still being reviewed but was already decision without a notice or letter of denial which is a violation. I called on XX/XX/XXXX and spoke with another representative in the branches stated it was denied and reasons did not fit my financials. SBA loan originators need to viewed by the government to vet their lending practices because they are making it hard for middle class and small business owners to utilize this product from the government. They advertise that they help out veterans and minorities and yet the loan originator stated that they treat everyone the same to avoid " prejudices '' or " treat others indifferent '' how can that be when they advertise it means they really dont believe it and they really dont understand the business practices that the SBA lender guidelines require. The government really need to look at their lending practices they also stated that the industry " coffee '' is high risk supposedly when it is on the SBA lending approval. The company needs to revisit their business practices and go by the guidelines set by the SBA also there should have been a letter of denial explaining the reason for the denial. I'm not for sure how we were denied my credit was not pulled and he gave me scores from one bureau that did not reflect an inquiry from myself or business partners. This experience has felt very prejudice, biases and insensitive to people trying to start a business that will benefit the economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi, This account was settled between us and the landlord outside of court, and was never supposed to be entered into the court system at all. We went in front of a majestrate and came to a mutual agreement and settled. And since then had paid a long time ago. Its been a long time now, and I got a email saying that I have an update to my credit report and when I went in it said that I have a public record on my credit report. 
I wrote them a letter requesting that they send me some information back validating all this information and never received anything back. That was months ago. 
Also I 've called the court a few times, and they said that they do not know why it was ever entered into the system and they would fix it, and again that never happened. And now its appearing on my credit report. 
The court has said multiple times to us that there is no reason for it to have been entered and it must have been a mistake for some reason. But it makes no sense why out of the blue its being put on my credit report. 
I can not afford to have this on my credit report, I have been trying so hard to build up my credit for years now, just to have it knocked down by something that I am not even responsible for. 
Please can you help me? I do not know what else to do? 
I also tried to contact my prior landlord at least 10 times now, and nothing. No return call. 
Ive left messages at his business, and on his cell phone that I had the number from years back. I do not know if thats the same number, but at the business they said many times he would call back. And he never does. 
I can not wait any longer on this. This is not fair at all to me, I did everything that I needed to do to fix that and have no idea why this is happening. 
Please again I just beg that you will be able to assist me with this. This is the last place that I can turn to. No one else responds, or does what they state that they will do, and take this off of my credit report. 

Also it is only showing up on Transunion so far, but they always just come back with that it is my account and is valid. Anytime I have ever needed help for anything to do with my credit report Transunion is never helpful. Its like they do not even look into anything and just automatically say it belongs to me. So I know that it will go to them, but I ask that it can be overlooked by you guys since they really do not seem to do anything when I ask for any help with anything. Besides kind of blow me off. 
Thank you so much for taking the time to read and respond to this message. 
I really appreciate it very much! 
Sincerely, 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 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Received a credit report from TransUnion showing " XXXX SERIOUS DELINQUENCY '' & " XXXX TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Transunion credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.

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 2023-01-21
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They do not legally own this debt and I do not either so remove because that means this account is not XXXX XXXX accurate on my credit report by consumer law my credit report is to be XXXX XXXX accurate at all times or Violation fees of {$1000.00} per violation can be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a payday loan expecting it to be a decent amount that was owed back. The interest rate was too high and at this time I am a student that is unable to set up a payment plan with the loan company. Today I received a threatening phone call saying that i had an order for my location, and that I would be arrested. It scared me, so I contacted the court house they claimed I had a case with and there were no records there. Also, I went online to make sure there was no warrant or such for a failed loan. The bank account that I used back in 2012 when I received the loan has since been closed because it was almost over 4 years ago! They are harassing me saying that I committed a crime of sort. When I have done no such thing. I had an email sent a few months ago that I responded to explaining to them that I would not be able to pay the funds at the time. Unfortunately Im not sure what else to do, and Im not sure If I am legally in trouble or what is going on.

Company response to consumer: Closed
Consumer complaint received 2015-10-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In short I had a mortgage with a coborrower in XXXX ... in XXXX that mortgage was modified into a mortgage with that coborrower by herself. In XXXX I filed a BKXXXX and in XXXX I received a discharge. Rushmore Loan Management took over servicing the mortgage in XXXX and has been reporting to the credit bureaus that the mortgage is mine, open, and delinquent. I faxed them the attached letter on XXXX/XXXX/XXXX and they are supposed to respond within 30 days and have not done so. I had an attorney send them a letter and again no response. All the while my credit is being ruined by them for an account that is not mine anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Selene Finance LP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2016, I notified Selene Finance ( Mortgage Holder ) that I would be doing a short sale in which I also requested cancellation of debt. Per Selene Finance, I submitted ALL Selene 's required documents to include my financial information in which I questioned the necessity since I was NOT asking for a loan modification. Selene gave a deadline of XX/XX/2016, to submit a sales contract. On XX/XX/2016, XXXX ( Realtor ) faxed Selene Finance a signed sales contract along with ALL Selene Financial required documents. Upon checking the status, Selene keeps stating they did n't receive a document ( each time a different document ) and each time XXXX has faxed claimed missing documents NUMEROUS of times. Last status check, XX/XX/2016, yet again, Selene attempted to have not received particular documents ; however, with XXXX tenacity, Selene informed XXXX they have all the documents required yet the review would not be completed until XX/XX/2016, which is unacceptable. It is unquestionably clear of Selene Finance attempt to undermine the sale of my property and this is not unacceptable.

Company response to consumer: Closed with explanation