BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Rushmore Service Center, LLC
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: Investigation took more than 30 days

Complaint:
To whom it may concern : The reason of this email is to put a complain about the situation Rush More loan services They reported me being behind 3 months in XXXX of XXXX But I was placed in forbearance until XX/XX/XXXX of XXXX, when it ended. 

Right after that they put me on a new program referred to as partial claim on XX/XX/XXXX, I spoke several times with RushMore representatives and asked them if I was still protected on my credit and ALL of the said yes that I was protected without any risk of being sent to the bad credit, I spoke over 6 times with them about that in different dates since XX/XX/XXXX and even all the way until XXXX XX/XX/XXXX Rushmore transferred my loan to XXXX XXXX on XX/XX/XXXX and the situation got even worse, During the transition, the apparently lost the partial claim paperwork and by the time they were able to locate the paperwork from Rushmore it was XXXX weeks later. 

When I initially called Rushmore in XXXX of XXXX, they said they were going to delete the mortgage lates and to expect something by XXXX of XXXX. In XXXX of XXXX, I reached out as nothing had happened, and they said another XXXX weeks. This has now been going for XXXX mos. And still nothing. Recently, I had my credit pulled, and the 3 month mortgage late was still reporting. I dont know what else to do, but really need help! 

theyre saying or acting like it was nobodys fault both parties Rushmore and XXXX XXXX saying it was Rushmores fault, I dont think is fair to us since we need to sell our actual house due a personal situation with a baby girl that we have with especial needs and she has medical equipment as well going now more often to XXXX, XXXX  for XXXX to be seeing by doctors over there, for that situation and location of the actual house we need to get a house closer to the way to XXXX, XXXX  since we live XXXX XXXX XXXX right now, apparently theres an easy option to delete those late months through E-Oscar, I dont know why Rushmore dont fix their mistake and let us move forward with the purchase of our new home, we need this matter to get fixed ASAP If you have any other questions please dont hesitate to contact me at XXXX XXXX XXXX Thank you so much for helping on this matter, Sincerely XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: PA
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:
the items listed above are recorded due to fradulent and unauthorized inquiries on my report please delete all hard inquiries. 

XXXX 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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are various problems that are not correct on my credit file that need to be investiagted and deleted since they are wrong see letter attached

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 2022-02-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CREDITACPT with the account number XXXX. I have always made my payments on time yet there was a 120-180 days late stating in the payment history. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I've already tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

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 2023-04-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have filed numerous complaints with the 3 credit bureau 's about my XXXX XXXX credit card issued by XXXX XXXX. XXXX XXXX is reporting to them every month that I am over the credit limit. It appears to me that XXXX XXXX is selectively ( profiling ) minorities by indicating that I am over the limit to all three credit bureaus. They are selecting what to report instead of reporting accurate account information to the bureaus. 

I have never went over the credit limit on this account. I have made numerous attempts to resolve the issue with XXXX XXXX by requesting a status update letter. However, the letter does not indicate the credit limit. 

I do believe that they are not practicing in good faith as it relates to addressing concerns of minority Americans. I believe they are targeting minorities by reporting inaccurate information to the credit bureaus every month. 

I called XXXX XXXX and asked them would they tell me the day that my credit card was over the limit or even when I owed {$5000.00} on the credit card, both supervisors that I spoke with told me that I was never over the credit limit.

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 2023-02-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern I am writing to inform you that I recently attempted to contact XXXX XXXX XXXX which is listed on my credit report under # XXXX at the address provided. Unfortunately, the letter I sent via USPS CMRRR was returned to me undeliverable with the reason being that the company 's forwarding address had expired, and it is not located at the address mentioned on my credit report. Please find enclosed a copy of the envelope for your review. 
As a responsible credit reporting agency, you are required under 15 U.S.C. 1681i of the ( FCRA ), and other applicable laws, to ensure that you report only accurate information. However, I have reason to believe that inaccurate information has been repeatedly reported in response to my credit report requests, as well as when lenders view my report. This violation of federal law has caused me considerable damage in terms of my reputation among lenders and the terms of loans I receive. 
To amicably resolve this matter, I request that within five days of receiving this letter, you delete the negative trade line associated with this complaint from my file, as prescribed by the FCRA. Failure to comply with this demand will leave me no choice but to seek legal assistance, including filing grievances with the Attorney General and the Federal Trade Commission. 
Please find enclosed copies of my identifying information to prove my identity. I trust that you will expedite the conclusion of this matter and provide a satisfactory resolution. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been trying to redeem my credit card rewards for over two weeks now. I am trying to redeem for an XXXX gift card. However, the website will not let me do so. I have spoken to multiple individuals about this issue both at Comenity Bank and at XXXX. No one at Comenity Bank has been able to assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020 I tried to go to an ATM here in California. My debit card for my preferred bank did not work so I was going to have to use my " emergency '' card which is through US Bank. I was not sure how much money was in this account so I tried logging into my account to check with my phone. The app denied me access. Despite this, I know I have a line of credit with overdraft protection which was guaranteed to me, verbally, to have no fee when I signed up. 

This morning I am finally able to login after numerous attempts and see they have charged me {$7.00} for an " Overdraft Protection Fee. '' What? I was told, in person, when I signed up there is not a fee for this service. I called US Bank and after a 30 minute hold spoke with somebody who read me an agreement that indeed lays out a {$7.00} fee for this service. She then confirmed to me that this policy went into effect last year. I asked them to provide any indication of how I was informed of this change in terms from what I agreed to sign up for and they could not provide it. 

To summarize, they offered me a free product. Then at some point, changed it to a product that is not free. They never informed me of this. Then, they ensure that their online service is so terrible that I couldn't possibly transfer the funds on my own to avoid the fee. Then they milk 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 monetary relief
Consumer complaint received 2023-02-18
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I used my Chime app to authorize a {$1000.00} transfer from my personal checking account at another bank into my Chime checking account. This transfer was from an account I had previously linked to Chime and had used to make multiple transfers from my other bank account to Chime, which I use as my primary saving 's account. 

On XX/XX/XXXX, Chime emailed me to say that due to unusual activity on my account, security measures were in place that would limit my ability to use or transfer my funds. I have received multiple emails from Chime requesting various documents to verify the deposit and my identity. Each time I have submitted additional documents, I have received an email reply that the documents were insufficient and Chime needed different supporting documents to resolve the limits placed on my account. 

I have requested multiple times to speak with a representative who can explain to me what specific issue has occurred and why the provided documentation has been insufficient. Instead Chime has sent more email communication explaining that they will not resolve the issue until the additional documentation is provided. 

I have provided Chime with the following documents to try to clear the limits on my account : 1 ) front and back copy of my PA driver 's license and change of address card ; 2 ) recent transaction register from my non-Chime checking account, showing the {$1000.00} transfer to my Chime account authorized on 2/13 ; 3 ) a pay stub from my employer ; 4 ) a selfie of me holding my PA license and a paper with my name and the date ; 5 ) my last available bank statement ; 6 ) a letter outlining the source of the deposited funds and my reason for depositing the funds ; 7 ) a copy of my signed social security card, with all but the last four digits redacted to ensure this information isn't compromised, and because Chime already has my full SS number and has used it to verify my identity on customer service calls.

Chime has refused to provide additional information about the initial issue or the reasons the verification I provided has not cleared the security measures from my account. Chime has currently limited my access to the over {$8000.00} in my account to increments of no more than {$100.00} for credit and debit transactions, and has shut down my ability to transfer money in or out of the account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to protect my credit file so I'm requesting a security PIN from the bureau 's ( XXXX, XXXX, Trans Union, XXXX XXXX, XXXX, and XXXX ) y name that is associated with my credit file is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2023-10-04
Company: Resurgent Capital Services L.P.
State: FL
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:
Don't know the company. I never did business with this company. 
XXXX {$850.00} past due collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Violation of 15 U.S. Code 1681c2 ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

I, the consumer initiated a dispute XX/XX/2022 the consumer reporting agency just started the investigation. The consumer reporting agency has not indicated the facts in the consumer report That includes the disputed information. That is clearly Willfull noncompliance.

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 2020-03-20
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was paid in full on XX/XX/2020, there was a remaining balance of roughly {$2500.00} in the escrow account. I have contacted CMG Financial three time inquiring about the refund. It is now XX/XX/2020 and I have yet to receive the remaining balance of the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXX. ( XXXX  XXXX XXXX  XXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 3. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 4. XXXX  XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 5. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 8. ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT

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 2023-10-06
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/, I paid American Express account number XXXX, the amount due of XXXX leaving a XXXX balance. On XX/XX/, I received a bill for XXXX for interest on Purchases on XXXX/XXXXXXXX XXXX  XXXX ) and Introductory Purchase Rate Expired XXXX  ( XXXX ). Total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I own a XXXX 's card since XX/XX/XXXX. Immediately I had difficulties paying my card online. On XX/XX/XXXX my wife had a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. She called to tell them about the medical condition. I lost my job after being in the hospital with her and my child. I asked them for a lower payment. Also, I asked was this account insured. I told them due to my loss of income I couldn't afford the high payments. I asked if I could make $ 50 monthly payments. My wife was still making Payments and XXXX was still marking the account as late on my credit report. My account was closed and I strongly feel XXXX 's didn't want to help.

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 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: NY
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:
I have communicated with the credit bureaus several times about 3 inquiries on my report that I did not make and they have not deleted them from my account. My first communication was sent in XXXX and nothing has been addressed. I sent them an affidavit and FTC report ( # XXXX ) and still no deletions, and I feel my rights are being violated due to their negligence.

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 2019-02-18
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from MIDWEST RECOVERY SYSTEMS in XX/XX/2017 in the amount of {$410.00}. First and foremost, I have confirmed that the debt collector, MIDWEST RECOVERY SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, MIDWEST RECOVERY SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to MIDWEST RECOVERY SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$410.00}.

Company response to consumer: Closed with explanation