BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX of 2021 my husband moved out and caused the financial disaster by XXXX I called and was ready to make payments ( it was in forbearance ) and was told I can longer make payments on the home I applied for a loan modification to put the past due amount in the back of the loan the lender always finds a problem with and lies when I ask about when I was sent a notified letter saying my home is being sold none of that matters weve been going back and forth ever since First time my home was going to be XXXX was XX/XX/XXXX I found out and only had a few days to save it I did now they denied my application because im too poor when I work cash under the table rent a room yet they only accept what they feel they want to they are evil so now I dont know what to do plus my mom is XXXX I asked for time they said no! Please help I just want the modification it would bring ny payment from XXXX to XXXX they said this to me or else a Deferral just something I am doing everything possible but they make it impossible to save my home I was told to be careful because my home has alot of equity they might deny it for " other '' reason please help please My lender is Rushmore financial institution bunch of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NM
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 am writing to file a formal complaint against your organization for the repeated failures to correct an inaccurate late open account on my credit report. Despite multiple attempts to rectify this error, my credit report continues to contain misleading information that has a detrimental impact on my financial standing. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence to support my claim that this late open account is inaccurate. However, your organization 's persistent failures to address this issue are causing significant harm to my creditworthiness and financial stability. 

It is essential to emphasize that the Fair Credit Reporting Act ( FCRA ) imposes a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate late open account on my credit report : Difficulty obtaining credit or loans on favorable terms.

Higher interest rates on existing credit accounts.

Substantial harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and resolute action to investigate and correct the inaccuracies associated with the late open account on my credit report. If it is determined that this account was indeed inaccurately reported as late, I insist on the following actions : Swift correction of my credit report to accurately reflect my financial history and creditworthiness.

Removal of any derogatory or inaccurate information associated with this account.

Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Please help me correct the late open account : XXXX XXXX Balance : {$12000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 2023-10-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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:
I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of Identity Theft, which has resulted in a negative impact on my credit history and ultimately my financial wellbeing. This has been hurting me as I am in the process of buying a home for me and my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I received a notice letter ( dated XX/XX/2023 ) from Chase that they are closing my personal checking bank account.

I understand that Chase has the right to end their relationship with any client at any given time. However, I am really surprised by the notice letter being that chase is kind of giving a reason which does not apply to me for closing my personal checking account. The reason stated in the notice letter is : We have decided to close your accounts because of unexpected activity on this or another Chase account.

As a loyal and good Chase client for almost XXXX decades, always keeping a positive balance in my Chase bank accounts, and never did anything more than personal transactions from my Chase bank accounts, I find this notice letter to be unfair as to the explanation given ( mentioned above ). 
On XX/XX/2023 I received the same notice letter ( dated XX/XX/2023 ) regarding my XXXX sons ( ages XXXX & XXXX ). Chase is closing their savings accounts because of unexpected activity. 
I am a wife to my lovely XXXX, and the mother to our XXXX XXXX XXXX XXXX XXXX XXXX  mentioned above, as well as a XXXX XXXX XXXX girl ) and find this notice letter to be hurtful and shameful to someone like myself. All I live for is my husband and our wonderful children. I am a quiet person and do not abuse any of my financials including my banking privileges. Hence, there is no reason Chase should have identified any unexpected activity from any of my accounts or my children 's accounts. 
I am complaining because I feel that Chase is not recognizing my loyalty, and proper use of any Chase bank accounts I have ever had and currently have. 
And regarding my XXXX sons savings accounts that Chase is closing because of unexpected activity, all I have to say is that there is no way that they have or had any unexpected activity from their accounts. There has only been a few deposits into each one of their accounts and it was either birthday money they received from their grandparents, distribution funds from a family trust, or holiday gifts received from friends and family. I worked on developing relationships with bankers in the local branches. The chase mobile app, as well as their online website are very user-friendly and I do not want to have to change banks, work on developing new relationships with bankers in the local branches, and learn a new banking mobile app and/or online website. We do not deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been struggling to get this negative account off my credit report. I have report this fraud, contacted original creditor and I am still not seeing any results. The account name is XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I never knew anything about this account until I found out it was reporting o my consumer report. I had found out that it was attached to an address that was my ex boyfriends. I had just got results from getting the address that was not mine off my consumer report. I am still seeing this negative account and I would truly appreciate it if you can assist me in getting this negative account removed.

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 2022-04-22
Company: ADP Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I use the Wisely ADP prepaid card for almost 2 years and I received one stimulus here and my taxes and payroll direct deposit and on the XXXX of XXXX I was going to receive my taxes in the amount of {$27000.00} that day and they made me put in my W2 my ID my SSN AND MY IRS LETTER BECAUSE OF MY LARGE AMOUNT GOVERMENT DIRECT DEPOSIT AND THEY STILL HAD THE NERVE TO NOT ACCEPT IT EVEN THOUGH THEY ACCEPTED ALL MY DOVUMENTS AND NOW I HAVE TO WAIT 2 weeks for paper check so not fair and I loved this prepaid card so much never had troubles and now I am!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Bread Financial Holdings, Inc.
State: TX
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Greeting Team, LLC DBA Customer Care Global
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a call from customer care global a debt collection agency. They told me I took out a look in XX/XX/XXXX through withuloans for {$1200.00} and now have a balance of {$2200.00}. The representative had my dad 's email address on file, his mailing address, but my social security number and my phone number. The loan was deposited to truist bank with an account number ending in XXXX. I called truist bank to confirm i didn't have an account under my name which i didn't, also my Father also does not have an account through them and did not take out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On the date of XX/XX/XXXX, a letter was sent to me by XXXX XXXX XXXX in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per XXXX records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions 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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2022-10-17
Company: EQUIFAX, INC.
State: MO
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 submitting this CFPB Complaint to request to the Credit Bureaus once more, to remove the remaining fraudulent accounts and information from my Credit File. I greatly appreciate the action done by the Credit Bureaus and have some of the disptued items removed from my Credit File. However, there are items left that should also be removed such as the inaccurate addresses, and the one fraudulent account reported by the Equifax Credit Bureau. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed items in which they resulted due to identity theft, not later than 4 business days after XX/XX/XXXX. I also sent another dispute letter to the Credit Bureaus on XX/XX/XXXX. I have already included these items from my previous Complaint and I am including them again, once more. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently looked at my credit report and saw this company LVNV reporting a account. Funny thing is I have no clue who they are and don't owe them any money. I am filing a complaint against them demanding to see a contract I signed and proof I owe them. I demand they cease any and all contact with me and their reporting of this damaging info to third parties. I want this account DELETED from my credit reports now. This company has violated so many laws under the FDCPA and I plan on holding them liable as far as court if I need to. LVNV violated the FDCPA by not providing me with a notification before reporting the collection account to a credit reporting agency. The FDCPA requires debt collectors to provide consumers with a written notice within five days of their initial communication, which must include : The amount of the debt The name of the creditor to whom the debt is owed A statement informing you that you have 30 days to dispute the validity of the debt A statement informing you that if you dispute the debt, the debt collector must provide verification of the debt In addition, the FDCPA requires debt collectors to provide validation of a debt if a consumer disputes the debt within 30days of receiving the initial notice. I expect a speedy response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian XXXX XXXX XXXX XXXXXXXX, TX Disputed by XXXX. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear Experian XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  WILL NOT PROVIDE A LETTER OF DELETION NO ACCOUNT FOUND XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last XXXX of my XXXX  XXXX XXXX XXXX Disputed by Consumer. XXXX days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XXXX XXXX Inquired XXXX Comment '' : Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX. XXXX. On Report 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