BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I signed a modification agreement with my previous servicer XXXX XXXX. I included the authorization to auto debit my account for the monthly payment. Due to work and a death in my family I was forced to travel extensively for the next 4 months. 

In XXXX of XXXX I was notified that my house was up for foreclosure. I was not aware there was any missed payments since the modification agreement. 

In early XXXX I learned that my mortgage servicer had been changed to Rushmore Loan management services. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My Loan # with Rushmore is XXXX. 

On XX/XX/XXXX at XXXX we contacted Rushmore loan servicing. We informed them that we have a modification agreement in place with XXXX XXXX We were transferred to XXXX In " the authorized department ''. He stated if we do have a modification agreement, we should submit it because they do not have record of it. He also stated that if we indeed have the agreement, they will honor it. 

On XXXX we received a copy of the modification agreement including the newly executed deed of trust, from XXXX XXXX 

On XXXX we submitted a QWR and notice of error to Rushmore that include the deed and notarized modification agreement. 

on XXXX we received a response that notified us that they did not have a copy of the modification agreement and were soliciting it from XXXX XXXX. ( They did have a copy we sent XXXX to them on the XXXX of XX/XX/XXXX ). 
on XXXX we requested an update from Rushmore they informed us that they found a denial letter dated in XXXX of XXXX. 
on XXXX we requested all evidence of denial. 
on XXXX we were told we will receive a copy of the denial in the former answer To date XX/XX/XXXX we have not received the formal answer. 

We do not agree that the Modification was denied. 
On XX/XX/XXXX or XXXX of XXXX, XXXX XXXX spoke to XXXX XXXX, and they walked me through the signing process and explained how to get the agreement notarized. Why would they help me notarize a modification that had been previously denied. It would make absolutely no sense to do so. 

Rushmore 's has not responded with in the 30 days as promised, They also are taking time that we do not have. They have a foreclosure scheduled for XX/XX/XXXX. 
It behooves me to understand why they are counting on a document they claim denies the modification in XXXX of XXXX while XXXX acknowledged the modification by their help on XXXX XXXX and their recordation of the modification in their own servicing file. Rushmore should request the phone records of XXXX pertaining to this account. Once they have the accurate information they should honor the modification agreement put in place by XXXX XXXX 

Rushmore needs to rescind the foreclosure sale and re-instate the modification as agreed to by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Kriya Capital, LLC
State: PA
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:
I am writing to file a complaint to CREDENCE RM regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXXI have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : 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 2022-08-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/XXXX, I applied and was approved for the American Express XXXX XXXX online at americanexpress.com. As part of signing up for the XXXX XXXX, American Express offered me XXXX membership rewards points if I spend {$4000.00} on the new card in XXXX months. I received the XXXX XXXX a few days later. Within 2 or 3 months, I had spent over {$4000.00} on the card, and continuously checked my American Express account for the membership rewards points I was owed. However, they did not appear. I made a call to American Express around XX/XX/XXXX, and expressed my concern, but was told that it may take up to a month to receive my points. I continued to wait but did not receive the points. It was at this point, after multiple calls to American Express, that I learned that American Express will not be giving me the points because the " offer listed on my account '' was for a spend of {$5000.00} in XXXX months, which I did not meet. This was the first time I had heard of this discrepancy. In XX/XX/XXXX I called American Express at least 6 times to try to get this resolved to no avail. They seem to have no record of the actual offer they presented to me in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
the pay is whit capital one credicard they force to pay. {$55.00} dollar and they are reporting to my credit score

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Sir/Madam, I am writing to request that you delete the fraudulent hard inquiries listed on my TransUnion credit report. I have recently become aware of these inquiries and believe that they are a result of fraudulent activity. 

The following hard inquiries were made without my knowledge or authorization : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 XXXXXX/XX/XXXX As a victim of identity theft, I believe these inquiries were made fraudulently and should be removed from my credit report. I did not authorize any of the inquiries and have not applied for any credit products or services with the listed companies. 

According to the Fair Credit Reporting Act, consumers have the right to dispute any inaccurate or fraudulent information on their credit reports. I am exercising this right and asking that you remove the fraudulent hard inquiries from my TransUnion credit report as soon as possible. 

I have also taken steps to protect my identity, such as placing fraud alerts on my credit reports and monitoring my accounts for any unauthorized activity. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your time and consideration. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
this school mislead me they told me i paying back a student loan that i cant even transfer my credit yet instill i cant retrieve them from the school they gave me false information and told me they will help me get my GED however they didnt not help me im still without my GED they promised me to help before graduating from XXXX XXXX i recieved my certificate in XXXX XXXX but i signed loans i wasnt fully aware of trying to make something of myself being a single mom i need help this loan should be cancelled im not responsible for the administration that mislead me on all the necessary information i needed to move foward

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CL Holdings LLC
State: TX
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 two loans with XXXX that are reporting on my credit report. On XX/XX/2022, I received an email that my loans were being transferred to Jefferson Capital Systems. I have contacted Jefferson Capital Systems every 2 days since this date to attempt to pay in full, and they have told me that they have no record of my loan. Each time I call, they tell me to call back in 2 days and they should have it in their system. I have also contacted XXXX, the original creditor, to attempt to make payment and they say that they also have no record of this and I need to contact the new creditor, Jefferson Capital Systems. But when I call Jefferson Capital, they still tell me they have no record. I have been attempting to pay this for over a month now but neither creditor ( XXXX or Jefferson Capital ) has any record of my loan and have not given me a way to pay. I need to either have an option to make a payment on this loan or I need it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a Chase Bank member and am unable to access my accounts either via web or mobile app because they have a 124-page Digital Consent Agreement that they are requiring I read and consent to before they will provide access to my account. THIS IS WRONG!!!!!! I understand that most people just click the box but I AM NOT IN AGREEMENT WITH something I haven't been able to read ESPECIALLY when the account is virtually held hostage to force compliance and I am certainly not comfortable with the language used in just the initial couple pages. It's intentionally confusing and if it wasn't DANGEROUS to our freedoms and financial controls why would they demand consent before you can use your account. PLEASE CONSIDER THIS AN URGENT MATTER!!!!!! I and other CHASE bank members deserve your help immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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:
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 : 1. Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : 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 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 2018-05-16
Company: TD BANK US HOLDING COMPANY
State: VA
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:
Please reference investigation ID XXXX, I received a letter from TD Bank whereby they stated, based upon our investigation, we have determined that fraud did not occur. The letter was dated on XX/XX/XXXX. The letter was received on XX/XX/XXXX. I immediately contacted TD Bank customer service center to determine what type of investigation was conducted or led to a determination that the fraud did NOT occur. Customer service agent ( XXXX XXXX ) stated that investigation was determined based upon the proximity of the fraud and actual residence. 

I filed a police report on XX/XX/XXXX stating that the contents of my wallet were stolen from my locked vehicle while it was parked in my driveway [ RESIDENCE ]. There was no sign of forced entry. They did not take my wallet or driver 's license, and I had no cash, what they stole was my credit/debit cards. 

I received a fraud alert on my other credit card ( XXXX XXXX ) on XX/XX/XXXX, which later alerted me to other activities on my other cards which were also stolen. These cards included the TD Bank business debit card. I was working in Washington, DC at the time of the fraud. I immediately went to the closest TD Bank location on XXXX XXXX XXXX XXXX, Washington, DC XXXX. I spoke with the banking specialist, XXXX XXXX. He issued me new debit cards for my personal and business account. He was not able to dispute the charges since the transaction had not posted. It took two days for the transaction to post. I filed it on Friday, XX/XX/XXXX on  the phone with the customer service agent. I also sent the Bank Specialist ( XXXX XXXX & XXXX XXXX ) the copy of the police report, whereby they went to the fraud department Based upon the information provided by TD Bank in this letter, I find it bizarre that the TD Bank made a decision stating that the fraud did NOT occur. I am requesting that TD Bank refund the money as soon as possible and return interest on money due. I am also requesting that the Consumer Financial Protection Bureau look into TD BANK business practice in determining fraud as while as violations of Consumer Protection Laws. 

Please reference previous complaints submitted against TD BANK with the Consumer Financial ID XXXX & XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 writing to urgently address the enduring inaccuracies on my credit report due to erroneous reporting by XXXXXXXX XXXX. My reports show 120 days late, which is false. it was in XXXX. 
Despite two prior letters sent on XX/XX/2023 and XX/XX/XXXX with substantial evidence ( that I can't put here given SSN #, etc. ) to debunk the incorrect information, there has been no response or corrective action from their end. Now, over 75 days have passed with no resolution, displaying a clear negligence on part of XXXX XXXX. I have also filed with the bureaus and they all use the online auto info sent by XXXX instead of a human being reviewing. 

The negligence and incorrect reporting by XXXX XXXX have had a detrimental impact on my financial standing. Specifically, My refinance was cancelled and now the rate increase will cost me over {$43000.00}, XXXX reduced my credit line by 90 % due to the incorrect information reported by 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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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