BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: CORELOGIC 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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX XXXXXXXX. I am a victim of identity theft. These accounts are fraudulent.

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 2019-09-18
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have a couple of different loans through the loan company Navient, any time my payment is more than a few days late, they begin calling. They call from a variety of numbers, from various area codes. It hasn't been bad, until today, when I received Eight calls in a 24 hour period ... I would argue that it is harassment. I have since blocked their number, and tried to call them regarding the number of calls. They were closed, but the time I called them back. They have left voicemails in two of the last 8 calls. I'm curious if this meets the standard for harassing phone calls. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions 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 XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : 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 an 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 explanation
Consumer complaint received 2023-11-03
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Discover started off as a good credit card but the company started charging outrageous interest rates. More than what I had been charging on the card. I pay the payments faithfully but the interest is extremely high and I can never get the balance down. It's nearly double what it should be. So I find myself paying nearly 3x over to get the balance down. I've frozen my account to stop any unnecessary usage and the interest rate is still high. My limit was also cut and I have no history of late payments according to the customer agent I spoke with. Therefore I feel I've been discrimated against based on my financial demographics and location although I have no late payments with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is at it again. 

Per the law covering credit freezes, Experian requires consumers to establish a free account for freezing and unfreezing your credit report. I have had this required free account for 3+ years for the sole purpose of freezing and unfreezing my Experian credit report. 

Today I logged in to check the status of my experian credit report ( frozen or unfrozen ). I couldn't find any obvious link, radio button or any other identifiable directions on their website to access my freeze status. 

" Freeze status '' or " freeze request '' is nowhere to be found on the homepage after you log in. 

The only link for anything related to freeze status on their website is the " protection '' header. When you click this header a new page loads, but still no readily identifiable link or info related to a " freeze ''. However the page cleverly shows a graphic/status of your credit file as " unlocked '', with an arrow indicating more info is available. 

When you click the " Unlocked '' icon a side panel pops out advertising their " CreditLock '' feature with a prominent " Get CreditLock '' button. This is of course their paid subscription service. 

FINALLY- IF YOU HAPPEN TO NOTICE THAT THE SIDE PANEL LOADS WITH ITS OWN SLIDER BAR FOR SCROLLING DOWN THE PAGE - AND YOU MUST SCROLL DOWN- YOU SEE A STILL DISGUISED HYPERLINK TO CHECK THE SECURITY FREEZE STATUS OF YOUR ACCOUNT. 

It's unbelievable and disappointing that in 2023 we have a credit bureau misdirecting consumers and literally hiding the security freeze option they are mandated to provide by law. CFPB do your job overseeing this rogue credit bureau!

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 2023-09-21
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-06-01
Company: Experian Information Solutions 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:
Please take the credit freeze off of my report and send me email confirmation that it has been lifted.

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 2019-06-25
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: Old information reappears or never goes away

Complaint:
XXXX XXXX bought XXXX, XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. XXXX claims a payment was made, around the 8th year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in 2006, and a payment has never been made. They are private loans and are being treated as Federal, also.

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 2023-10-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting 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:
This company have no authorization to run my credit. I need to be removed 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 2023-06-01
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Account Ending In XXXX Reference Number : XXXX Business Name : XXXX XXXX CORPORATE OFFICE Transaction Amount : {$2700.00} Transaction Date : XX/XX/2023 I returned this item to XXXX XXXX and have not received a credit or refund. XXXX XXXX customer service said I should get a refund yet none was given. American Express is denying my dispute despite having a return tracking number and pictures of the item I was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: NE
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:
I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Midwest Fidelity Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a debt collection letter from Midwest Fidelity Services LLCXXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Re : XXXX. I responded immediately with certified mail and return receipt mail it was signed for on XX/XX/2023, received. XX/XX/2023, the debt appeared on my credit report for {$320.00} for XXXX XXXX XXXX who never did any transport for myself, or XXXX XXXX I have no collections or late payments on my credit report. This has lowered my credit score XXXX points and affected my refinancing of my home. I sent more letters to the collection agency and the Attorney General of the the state of XXXX  XXXX for the predatory collection practices. 
I have XXXX dollars in available credit why would I not pay any debts. This company has tried to collect a fraudulent debt and has tarnished my credit, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
have not received the mortgage statement to pay my mortgage, my payment is due on the first and my late fee is on the XXXX of the month. My wife has tried calling them but no answer so we can pay my mortgage. I need them to send me the statement so i can pay and i do not want late fees. 

Rushmore is a XXXX servicer that has repeatedly refused requests to send me what is required by law, A monthly statement. 

They claim to have mailed it on XXXX. XXXX here we are a month later and USmail does not take a month to deliver

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: NJ
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following disputed items will be removed soon. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A Method of Verification letter was mailed certified to Equifax XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Exquifax on XX/XX/2020. They replied and said verified without providing me their method of verification as I requested. I mailed a 2nd certified letter to Equifax XX/XX/2020 requesting them to delete the inaccurate bankruptcy and have not received a response. Equifax has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX, I received repeated phone calls at home an work from XXXX. I requested that they send me the ensuing information concerning the debt : name and address of original creditor, copy of the original signed contract, and complete accounting /statement of payments, interest, and fees associated with this debt. XX/XX/XXXX I received a letter from McCarthy, Burgess @ Wolf regarding the same debt reference number XXXX  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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello, I mailed a credit dispute letter to TransUnion via United States Postal Service Certified Mail Receipt # XXXX on Friday, XX/XX/21 ( see attached document titled " TransUnion Dispute Letter XXXX XXXX. '' I received a response from TransUnion on Monday, XX/XX/21 titled, " TransUnion Investigation Results XXXX '' via United States Postal Service. The total time for the TransUnion reply was beyond the 30 days that the FCRA allows. 

Furthermore, TransUnion failed to conduct a complete and independent credit investigation as outlined in the FCRA. The attached document, " TransUnion Investigation Results XXXX '' shows that they did not conduct a full and complete independent investigation for the following items : XXXX - Acct # XXXX - Unverified Account XXXX XXXX DELAWARE XXXX Acct # XXXX - Unverified Account XXXX XXXX XXXX - Acct # XXXX - Unverified Account I have also attached my Proof of Identity Documents.

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 2018-04-21
Company: Advanced Resolution Services Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Specialized Loan Servicing Holdings LLC
State: MD
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:
On XX/XX/XXXX, while reviewing my XXXX  credit, I noticed my mortgage company, Specialized Loan Servicing ( SLS ), shows my loan terms as 600 months. I did not sign any documents with SLS to change the terms of my loan. However, my credit report shows that the term with XXXX XXXX was 360 months. 

Additionally, SLS 's credit reporting shows that my mortgage account was opened with them on XX/XX/XXXX, but they were not my mortgage company until XX/XX/XXXX when XXXX XXXX transferred it to them. 

I have sent a message to SLS to address this matter but have not received a response. Also filed a dispute with 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