BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I APPLIED FOR HARDSHIP ASSISTANCE TWICE SINCE XX/XX/XXXX AND I WAS DECLINED AGAIN ON XX/XX/XXXX STATING THAT MY CIRCUMSTANCE HAS NOT CHANGED. MY INCOME THEY STATED THEY USED IN XX/XX/XXXX WAS {$2800.00} AND THE NEW INCOME THEY VERIFIED FOR THE NEW DENIAL IS NOW {$2500.00} SO YOU CAN CLEARLY SEE MY INCOME DROPPED YET AGAIN HENCE ME ASKING FOR HARDSHIP ASSISTANCE. MY RATIOS ARE WELL WITHIN FEDERAL GUIDELINES AS I HAVE READ OVER AND OVER THE GUIDELINES SINCE I ALWAYS HAVE TO FIGHT MY SERVICER. I NEED MY FILE TO BE ESCALATED AS IT IS APPARENT THE SERVICER IS TAKING UPON THEMSELVES TO DECLINE ME VERSUS MY INVESTOR THAT ACTUALLY HOLDS THE NOTE. XXXX IS NOT DECLINING MY FILE ONLY RUSHMORE BECAUSE THEY DO NOT UNDERSTAND THE MEANING OF NO CHANGE IN CIRCUMSTANCE. 

MY CURRENT FRONT END DTI IS 42 %, WHICH IS ABOVE THE REQUIRED 31 % AND MY BACK-END RATIO IS 36.93 % AT ITS HIGHEST SO TO STATE THAT I AM NOT WITHIN GUIDELINES IS BEYOND BELIEF AND NEED SOMEONE WITH THE UNDERSTANDING OF GUIDELINES TO STEP IN AND CORRECT THIS SITUATION. I AM XXXX YEARS OLD AND ITS APPARENT THAT RUSHMORE IS TRYING TO TAKE ADVANTAGE OF ME BECAUSE I AM SENIOR CITIZEN AND I WONT UNDERSTAND. ALL GUIDELINES ARE PRESENT ONLINE FOR EVERYONE TO READ, I WILL NOT BE A VICTIM TO RUSHMORE AND THEIR ABUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-08
Company: CORELOGIC INC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I encountered issues with my mortgage payments in XXXX and XX/XX/XXXX, yet the credit report displays late payments for XX/XX/XXXX and XX/XX/XXXX, which I believe is inaccurate. Despite receiving a screenshot from an employee confirming my late payments for XXXX and XX/XX/XXXX, the company insists on the accuracy of the reported dates. I've attempted internal credit disputes multiple times, but they've been consistently denied. I've provided the company with all three credit reports indicating the error in reporting. Although the company is open to refinancing my house and disregarding the incorrect months on my credit report, this discrepancy prevents me from refinancing with another lender.

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 2023-05-09
Company: EQUIFAX, INC.
State: KS
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:
XXXX accordance with the Fair Credit Reporting Act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX or XXXX reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.

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 2015-06-21
Company: General Motors Financial Company, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Have a car loan with GM Financial. The loan was for XXXX months but I have made a total of XXXX payments for this loan. They have came repro my call when it is paid off. I have a letter from tell me that I need to call them to get the title of the car. GM has miss applied some payments according to the records of my payment history,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-20
Company: EQUIFAX, INC.
State: CA
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:
In XX/XX/2022, several letters were mailed to Equifax regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. Equifax responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and XXXX about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) XXXX and XXXX were both supposed to report their findings to Equifax. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to Equifax myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to Equifax that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, Equifax still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance : {$86000.00}

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 non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have noticed inaccurate information that may violate 42 U.S. Code 1320d-6 as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you accurately validate the alleged debt. I am unaware of the collection account referenced above. To be clear THIS IS A REQUEST FOR VALIDATION made pursuant to 15 U.S.C 1692g et seq. of the FDCPA. 

Additionally, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for the release of my medical information to any third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold : Validation of debt and HIPAA authorization. 

Please contact XXXX XXXX XXXX to furnish a breakdown of fees including any collections costs and original medical charges. XXXX XXXX XXXX should also provide a copy of my signature with the provider of service ( s ) granting authorization to release my medical information to any third parties. Cease any credit bureau reporting until the debt has been validated as 100 % accurate.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have two issues with Portfolio Recovery : 1. When their collectors call my number and ask for me, I confirm and verify that they are speaking with me. However, before giving me a mini-miranda they refuse to discuss the matter they are calling about until I " verify '' further information such as my address, date of birth and social. When I challenge them, they tell me this is required to verify they are speaking to the right person. I remind them that they called my number, asked for me, and I have affirmed they have the right person. That shoud be enough verification to continue with business. Forcing me to give private and sensitive information to continue the call is harassment and a violation of the FDCPA especially prior to any mini-miranda.

2. I have repeatedly disputed the debts in their office with the credit bureaus and with Portfolio recovery. They are unable to prove that I am legally responsible for any of these debts. They just reply with a form letter and a few statements. Nothing that proves I am contractually liable for this debt.

I intend to file and FCRA and FDCPA suit against them in my local courts at my earliest conveince.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out Shellpoint Mortgage Services several times in reference to account number ( # XXXX ) request the late payments from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX forbearance period. Be removed from my credit report. Theses late payments were during the Covid 19 Pandemic and as per the CARES ACT should have not been reported as late. Please remove late payments from XX/XX/XXXX to XXXX XXXX. Please update my report to reflect accurate information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period

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 2023-10-26
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, I submitted my regular ontime payment via XXXX, a 3rd party payment processor, as I have done for at least the past 6 months, and on XX/XX/2023 the payment was returned due to invalid account number, which is absolutely an error due to the fact all of my past payments were processed under the same account number and I was not informed that my account number changed. On XX/XX/2023, my bank sent a balance transfer payment for the complete balance amount via snail mail to the same account number to the payment address on my credit card statement. After XXXX business days my account was NOT updated to reflect that the payment actually posted, so I sent secured messages at the Comenity Full Beauty website, and on XX/XX/2023, Comenity sent me 2 letters, the first claiming it would investigate the dispute, and the second letter requesting more information on the payment. On XX/XX/2023, I received the proof and letter from my bank with verification of the payment, the account number, and payment address. O sent this information via certified letter and uploaded it to the secure message site as well. I also researched Comenity 's defective business and operational practice of failing to process snail mail payments it claims as a valid payment option for XXXX 's of consumers. I have discovered that Comenity 's claim to consumers that snail payments are a valid payment option, are in fact actually unfair and deceptive business practices in that Comenity knows but doesn't report to consumers that it actually has no intention to process snail payments and in the alternative frustrates the process by not confirming receipt and processing such snail payments to fraudulently induce consumers ( and their banks as in my case ) to only accept online via Comenity 's website electronic payments and all others to fraudulently claim no record or receipt of consumers ' snail payments which has caused me countless hours of time and energy and frustration only to find out that this is a fraudulent business practice including failing to correct some Artificial Intelligence technology or through it's IT Department to correct the problem so consumers can have their snail payments processed properly and without undue countless frustrating efforts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Our repeated attempts, numerous times daily, at all different business hours of the day and night, to reach Equifax, to comply with Equifax 's own instructions either online, by phone, or in writing, to place a Credit Freeze on our accounts have gone unanswered and ignored since XXXX XXXX 2017.
It took us only 5 minutes to complete this process on XXXX 's website and only 8 minutes on XXXX 
It is outrageous that this company continues to behave in such an unprofessional and cavalier fashion given the serious nature of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have received no response to these disputes. XXXX XXXX XXXX XXXX That were sent back on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NV
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX CO XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX CO XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have received no response to these disputes. XXXX XXXX XXXX XXXX That were sent back on XXXX

Company response to consumer: Closed with explanation