BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: MO
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:
Recently i did a investigation of my credit report, which caused severe XXXX on me, i found unveriable, inaccurate, invalidated and questionable items that your agency didnt make sure it was reporting 100 % accurate. In accordance with Fair Credit Reporting Act, everything must be correct and under 15 US Code 1681i { 5 } these accounts are in violation of not reporting 100 % accurate. The credit reporting agency says that these accounts were properly investigated abd came back as verified. However how is this true when there are several inaccuraties ahowing on my report? As a consumer, i request to know all the steps your agency took to ensure these items were correct under Code 15 US 1681i { 7 } Method of verification- Description of reinvestigation procedure.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I pay my mortgage through a company out of California, Seterus. I fell behind after a forced retirement, eventually Seterus sent me a modified payment offer, I was told in the documentation as long as I made three consistent modified payments my payment would be the same lower amount for the remainder of the loan. After the third payment Seterus now shows me three months behind with none of the previous three payments being applied to principle or interest. 
I believe I was scammed under the assumption my payments would be up to date after the three lower payments. I am now 90+ days behind on my mortgage, Had I not taken to the scam, I would only be one month behind or caught up by now on payments. At the very least I would have made three full, regular, payments in lieu of three smaller payments. 
Seterus knows I can not afford an attorney for a law suit. What are my options? 

Thank you for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reviewing my credit reports as of XXXX XX/XX/XXXX, I noticed that an account named ChildSupport Enforcem / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a Child SupportEnforcem is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the Experian report. XXXX credit report as of XXXX XX/XX/XXXX reflects paid collections, while XXXX credit report as of XXXX XX/XX/XXXX, reflects multiple months of " ND '', and Paid Collection.

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 2023-01-12
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/23 I received an email from Paypal about having unclaimed funds in an account with them. 

I tried to log into the account and supplied a valid username and password. However the website said it needed to send a code to my phone number of record to verify the account. I pressed the agree button, but the website said it couldn't use my phone number to verify the account. 

A secondary option was to have them call me at that number... I pressed agree, but the website once again said they couldn't use that number to verify the account. 

A third option was to call them directly. I did so, but it said due to delays they would call me back. 

They did call back 3 times, but each time when I said hello, there was no answer. 

I re read the initial email and it had a phone number to call. I called that number and I was told I had over {$1300.00} in the account, but they couldn't give me access to the account. One person even had me renew my password, but no access to the account. The final person told me that I couldn't have access until I told them the account number of the original bank account I used to open the account. That had been years ago and I have closed that account and don't have records for it. The rep said he couldn't give me access to the account until I provided that information.

At this point I have over {$1000.00} in a paypal account that I can't gain access to, even though I have provided them with a valid email/password/phone number. They even asked me for the last 4 of my social security, but the last rep said I don't have a social security number on file.

Please help me gain access to my account.

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Rushmore Lending. In XXXX of XXXX my loan was bought by them. I originally had XXXX XXXX. I was in bankruptcy at the time the loan was sold. I am currently in my last year of the bankruptcy. All payment have been paid on time to the trustee office. 
Here is my issue. On the statements my amounts are not correct. I contacted the company and they gave me the run around. They sent me a letter in XXXX stating they would be sending me my escrow that is around XXXX dollars. Weeks went by and never received a check. I called and it was the same run around. Today XXXX XXXX I received a loan modification packet and it threatened foreclosure etc. 
I being researching this company and ran across thousands of other people who are having the same issue. I am a Veteran, mother, and a federal XXXX XXXX XXXXXXXX who cant loose her house. This company has me scared to death that I will loose my house. Im protected right now being in bankruptcy but what happens when I come out in XXXX of XXXX? The XXXX site has thousands of complaints with this company. We need this comps to be investigated. They are horrible! There is another who is actually fighting them in court for not applying over 80 payments to her account and going into foreclosure. 
I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are trying to refinance our mortgage but Ditech has not been providing the information we are requesting them. We are asking them to provide a mortgage rating for our First and Second loan with them. Our Broker, XXXX XXXX, requested a verification of mortgage on XX/XX/2018. He called the following day and was told that they will provide it to them. They fax the balance of our mortgage to him but did not include the mortgage rating he was requesting, he was told that it will be provided in six business days from XX/XX/2018 but they kept sending the same information. We called, last Monday, XX/XX/2018 and was told that it will be mailed directly to us within 3 business days but never received anything. It appears that they our sabotaging our wish to refinance and seek your help to direct them to do their job and provide a mortgage rating for the past 12 months for our first and second loan with them so we can close our refinance transaction. We don't understand why they are doing this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-22
Company: USCB, Inc.
State: CA
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/, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that USCB AMERICA properly investigated this account because there are obvious inaccuracies. 

XXXX Account Numbers XXXX and XXXX which were in collections are already removed from my report. However, Account XXXX XXXX is still on my report. These accounts were deleted due to it being inaccurate and unverifiable so my question is how are they reporting this still if this is the case? 

USCB AMERICA has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the XXXX duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. 

USCB AMERICA has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NY
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:
Going through all of this has been a struggle, therefore I am making this CFPB complaint to ask the credit reporting agencies to totally remove the fraudulent accounts and information from my credit file. How many times must I inform the credit reporting agencies that I was a victim of identity theft and that the accounts I am disputing were created as a consequence of this crime? In order to fix my credit file, I have been requesting that the credit bureaus delete any disputed items and provide me copies of any verifications that the disputed goods are, in fact, mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been submitting letters of disagreement to the credit bureaus, along with entire identification proof papers and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00}

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 2023-04-08
Company: EQUIFAX, INC.
State: AR
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Account information incorrect

Complaint:
I have sent several dispute requests to Transunion, each time they say they have verified the account information and validated the debt when that is not true. According to my last credit report on XX/XX/XXXX. The account has not been updated or validated since XX/XX/XXXX. This is against the Fair Credit Reporting Act on inaccurate reporting information. I want this unverfiable debt removed immediately. 

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 2023-05-22
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I went to XXXX XXXXXXXX XXXX XXXX last XXXX in immense pain and the employee convinced me their insoles were immediately helping. I was crying through most of the appointment and wanted to believe they would help my feet feel better. ( 4 sets of insoles were also {$2100.00} ) The first issue was that the insoles intensified my XXXX XXXX and I got XXXX XXXX from them. The employee made promises she could not keep and told me they would help my other medical issues and then had me sign something saying they do not diagnose or treat problems even though the employee did just that. 

A few weeks later I got a new credit card in the mail that I had no idea where it came from. I found out that XXXX XXXX XXXX XXXX employee had signed me up for Care Credit without my permission. She took the signature I gave her which she told me was just for the authorized down payment with my debit card, and put it on a Care Credit card application and filled out the rest herself. 

I went back in again to see if them swapping out my insoles would help and again it just made things worse. They have a no refund policy so when I went back in a third time to plead with them to take them back they said no. 

I've tried 2 times to call Care Credit 's parent company, Synchrony Bank, to submit a fraud report. Both times it was denied and I got another bill in the mail. I submitted a third report for them to ask XXXX XXXXXXXX XXXX XXXX if I could just return them and that also got turned down. They showed me my " application '' for the credit card that I had never seen before and said that was proof I did sign it knowing what I was doing. 

I am at a loss for what to do other than to contact a lawyer. Originally I thought I would be making payments on XXXX XXXX XXXX XXXX XXXX website with my debit card, because that's what the employee said was the case. I could afford it at the time to pay the entire thing off immediately with my debit card but she made it seem like she couldn't take the whole payment at once and I had to pay on the website. 

I have researched about both companies since and have seen that both of them have been sued for situations exactly like mine. They are still doing what they were sued for.

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 2018-08-12
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
Renewal for my home insurance ( XXXX policy # XXXX ) ( wind, fire, homeowners ) is due and the premium went from {$6800.00} to {$9300.00} based on information from LexisNexis Consumer Service Center. 
They state that 1- % if depart store accts reported inlast 24 mo to total # accts 2- % open retail accts to total open accts 3-insufficient information on personal finance accts 4- # of  accounts that have been established I called the XXXX # provided ( XXXX ) for LexisNexis and only an automated robot was available which would not accept the reference # I was given ( XXXX ) but instead was asking for full name, DOB, SS XXXX. 

I have no outstanding balances on ANY credit card. I only use VISA and MASTRCARD which I pay in full each month. I pay monthly the mirtgage, phone, gas, electric, and car insurance. I hace a XXXX card  which is paid in full and an inactive XXXX and XXXX also paid in full. 

This raise in premium based on Lexis Nexis is completely inappropriate. I suspect it has to do with a claim last year due to Hurricane Irma which was actually not covered by them but by the flood insurance!! It is simply outrageous! 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-05-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I requested a CD account closed. The bank states in its online information that closing the account takes 3 to 5 business days. The time allowed has since been exceeded but the bank can not help me get my money back. I have spent more than two hours on their chat customer problem resolution without getting a resolution to the problem. Calling their customer service phone line is an exercise in frustration. The last time I tried to get this resolved, I spent 40 minutes typing back and forth with a representative without achieving success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: NY
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 submitted a complaint in regards to accounts reporting on my report, it's been well over 30 days and I haven't heard anything back in regards to these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All filled inquiries on my Equifax report without my permission

Company response to consumer: Closed with explanation