BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These inquiries do not belong to me. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions Inc.
State: IL
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:
Have contacted all 3 credit bureaus numerous of times to get items that are not mine to be removed and they refused to investigate them accurately and delete them the accounts that are not mine and need to be removed are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and unknown collection. I ve supplied ID Theft Affavaid, police report and constant dispute letters I have sent out letters on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XXXX, XX/XX/2019 they keep asking for identification documents I have submitted my ID, Electric Bill, Bank Statement, Social Security Card and Red Light Volition. Submitted them everything and they keep asking for more information and not processing disputes.

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 2021-04-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020 I contacted Rushmore regarding the status of my mortgage payments and that we were struggling to make our mortgage payments due to a loss / decrease to our income due to COVID 19. We received nothing from Rushmore in writing until XXXX at which time they offered a " Modification '' agreement to adding 10 more years to our mortgage with no relief in the monthly payment but a few dollars. I called back on XXXX and advised them we were unable to make the " Modification '' Payment amounts at that time and we needed additional relief and requested a " Forebearance '' for our payments as my husband was struggling trying to find a better paying more consistent job due to the pandemic. At that time I was advised they were " recoding the system to request the assistance of the forebearance and that i would have something in writing within 10 days ''. On XXXX I called back as we still had not heard anything. I was then advised that there must be an error or oversight on their part and that the request would be escalated and I should be hearing from them within XXXX - XXXX hours. On XXXX I called back and was given the exact same ( verbatim ) sentence as my previous phone call on XXXX. As of today, I was told by XXXX Employee # XXXX, nothing has been done, there must have been an error and he was escalating to his manager and that we should hear back within a couple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2021-01-06
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
Wells Fargo is reporting an higher and wrong loan mortgage balance to credit reporting agency. My current balance is {$83000.00}. It was {$84000.00} in XXXX. However Wells Fargo reports a balance of {$86000.00} to credit reporting agency. 

When I attempt to have them make a correction, they refuse and reply with the following lie. 
" We can confirm we reported your principal balance accurately, to the credit agencies. We can also verify in XX/XX/2020, there was a non-sufficient payment received, which given the timing of the reporting and when the payment reversal occurred, this would have impacted your reported principal balance. ''

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 2022-10-11
Company: EQUIFAX, INC.
State: WV
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:
XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was charged by XXXX {$270.00} which is the amount owed on an XXXX. I offered to return the phone but they declined. I was billed by a collection agency, McCarthy, Burgess & Wolfe for {$320.00} on XX/XX/22 which included a {$49.00} ( interest. fees or cost ). It is my understanding that the FDCPA states that Debt collectors arent allowed to collect more than the amount you owe according to your original contract. It also cant threaten to collect any property that you havent put up as collateral. I am writing to complain about this agency for charging me the " fee '' of {$49.00}. 
I can not pay this in full {$270.00} due to hardships financially and can only manage to {$25.00} a month toward the original contract of {$270.00}. Due to covid, financial hardships and health issues I can not pay more. I am XXXX years old and live on limited income from Social Security and a small pension. 
I was offered a settlement amount based on 30 % off of the {$320.00} for {$230.00}. I can not pay this entire amount and it was based on amount which included fees if {$49.00}. I feel they are in violation of FDCPA rules when they charged me {$49.00} over and above the original contract with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/, I contacted XXXX to stop my account. I returned my equipment the end of XXXX. I received a notice via email that I needed to make a payment by XX/XX/XXXX and on Monday, XXXX XXXX XXXX  i received notification from the credit bureau that the account is in collections. I reached out to XXXX on XX/XX/2023 to discuss the account and was informed that they forwarded the account to a collection agency. So am confused. If the account has been forwarded to a collection agency and i never received a notification from them stating that this would happen. How can the bureau report inaccurate information.

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 2019-08-29
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
For the most part I have paid as promised, However ; for a time, I was unable to make payments on the scheduled date. I asked and was denied for them to stop deducting from my account. I am currently submitting a written letter. Each week they attempt to take money from my account on varying days as well as on the authorized date. This always causes an overdraft fee and often causes other checks to bounce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Blackhawk Network Holdings Inc.
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This is regarding prepaid card ( XXXX $ ) issued to my family for a settlement and card is managed by Blackhawk network holdings. As per the terms and conditions of the settlement the card can be used by anybody ( friends/family ) provided it is activated and registered online until the card expires in XX/XX/XXXX. The card was activated and registered to my name and address about 4 months ago .The card has been suddenly rendered unfunctional by Blackhawk network holdings since XXXX when i tried to do a transaction on XXXX XXXX The company never informed me anything about this or any other issue with the card. I checked the balance before doing the transaction and i only found out after calling them when the transaction got declined. After much back and forth i was told that it was automatically blocked by system to protect my funds because the system detected the use of some spoof website. I explained to them that XXXX is not a spoof website and they refused to unblock the card until they receive my details like Govt issued id, utility bill etc to prove ownership after which they promised to reissue a replacement card asap. This all has been documented on email attached here ( both the reason for the block as well as the reissuance of the card once i provide them the details matching the registration on the card ) Although these details were provided promptly on XX/XX/XXXX and match the name and registration on the card they have still failed to respond and refused reissue my card for use and give me the run around each time i contacted them. The company has effectively stolen my funds and refuses to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-13
Company: EQUIFAX, INC.
State: DC
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:
Equifax continues to report erroneous inquiries information on my credit report after I have sent them verifiable proof ( via certified mail XX/XX/18 and XX/XX/18 ) that the inquiries were not made by me. I have sent them several letters via certified mail to prove that the inquiries were mine. I have also sent them documentation proving that I was the victim of identity theft ... all to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 non-monetary relief
Consumer complaint received 2022-12-18
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: Problem with personal statement of dispute

Complaint:
Back on XX/XX/2022 I updated XXXX about a wrong address for a creditor that was listed on my credit report. The creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax had the same creditor listed with address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX The Creditor was removed after the realization but the defamation to my character was already done and has caused me many hardships to my life and family. I was never updated about the removal or any update to my credit score from either credit reporting agency. This was a grave error and their responsibility to complete accurate investigations before reporting on me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: AZ
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 is currently reporting me to Experian credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my Experian report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/XXXX contacted XXXX was told there was nothing they can do, directed me to call Experian. 

Called Experian put in a dispute saying the debt is a duplicate account. 

XX/XX/XXXX Notified by experian that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call Experian back to dispute again. 

Called Experian back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: NC
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.

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 response to consumer: In progress
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently found out that XXXX XXXX XXXX XXXX placed a charge off on my credit report in XXXX XXXX XXXX However, I have never opened an account with XXXX XXXX XXXX XXXX and have tried disputing this fraud account through the credit bureaus, all of which were denied saying that " The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have filed an identity theft report about this matter and am pursuing this to erase this account off my credit report that was never mine to begin with. I have tried contacting XXXX XXXX XXXX XXXX with no help. The customer service reps are unable to provide me with any information whatsoever about this account. This needs to be addressed and looked into to see who opened an account under my identity or if this was a mistake made by XXXX XXXX XXXX XXXX. Either way, this charge off needs to be erased off my credit report as the account was not mine and it is majorly hurting my FICO score as a result.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2023, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 account below XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-01-06
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). MONTEREY COLLECTION has committed multiple violations of California Deceptive Practices Act, the CCRA, California Rosenthal Act, violation of California Consumer Call Protection Act, California Credit Reporting Agencies Act and Truth in Lending Act : THE COLLECTION IS A FRIVOLOUS DEBT, WHICH IS NOT ENFORCEABLE IN CALIFORNIA, SINCE THERE WAS NO STANDARDIZED TRUTH IN LENDING DISCLOSURES AND TERMS PROVIDED AS REQUIRED BY FEDERAL AND STATE LAW. 

- USING AUTOMATED DIALER. 
- MISREPORTING DATE OF LAST ACTIVITY. 
- RE-AGING ACCOUNT. 
- THE ORIGINAL CREDITOR IS NOT REGISTERED WITH CALIFORNIA SECRETARY OF STATE TO CONDUCT BUSINESS. 
- THIS TIMESHARE WAS SOLD TO ANOTHER PARTY AND THERE WAS NO DEBT TO BE INCURRED. 
- UNFAIR BUSINESS PRACTICES - NEGLIGENCE. 

I already tried to get listened. I sent them a letter via mail but I was ignored. All I am looking for with this complaint is to get a fair solution : To get the debt cancelled and the item removed from all 3 credit bureaus. Here is the account information : Monterey Collection Services, account XXXX XXXX, date opened : XX/XX/2018, original balance : {$7900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief