BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
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:
Hello This complaint is against the three credit reporting companies. Experian, XXXX XXXX and XXXX. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. 
The response from Experian and XXXX was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote Experian and XXXX a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XX/XX/2019 they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only Experian wrote back a letter dated XXXX stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

XXXX XXXX never responded to my letter dated XX/XX/2019to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with XXXX, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because Experian, XXXX  and XXXX XXXX all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, XXXX XXXX did not even respond to my investigation request.

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 2018-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase has outright lied to both their borrowers and ourselves. We recently submitted a short sale package for consideration to Chase and were called by XXXX at extension XXXX that the short sale had been declined as the investor required that the sellers live in the property to complete a short sale. One problem. This loan was originated as non-owner occupied and Chase has known this all along. XXXX had little to no information to give us ( honestly it would have been far better to have just sent the decline letter as he was totally worthless on the phone ), could not answer any questions ( or was told to lie ), became evasive when questions were asked and couldnt even tell us if the Chase was delegated on the file ( I honestly dont think he knows what the term means ), and if not, had it actually been submitted to the investor. Honestly, we have come to know Chase as a lender that spends little to no money on it loss mitigation department and are generally lied to on all of the files we submit to your company. The final comment that has driven this federal complaint was when asked, XXXX stated that they didnt have to offer foreclosure avoidance options. Here is what we would like to have happen : 1 ) Is Chase delegated on this file 2 ) Whom is the investor that owns the note 3 ) If note delegated, was this file submitted to the investor 4 )  Why were we told that Chase does not comply with California law and offer foreclosure avoidance options? 

This is yet another example of Chase breaking federal and state laws without any regard whatsoever to their investor, their clients, and their own employees. 

I look forward to your response, but have come to realize that the responses you send back rarely answer the questions at hand and often are fabrications of the truth. 

CC : XXXX XXXX, Attorney General of California

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After purchasing our new home in XX/XX/XXXX, our loan was subsequently sold to Rushmore Loan Management ( RLM ). When we learned of the loan transfer, I called RLM to ask about  sending multiple payments, to break up the large amount. They indicated on the phone that they can accept multiple payments. 

Our first payment was due on XX/XX/XXXX, so I sent a check from my bank in the amount of {$800.00} on XX/XX/XXXX and the rest of the balance {$600.00} on XX/XX/XXXX. This process repeated, where I would send {$800.00} mid-month prior to due date and the rest on the due date. 

This went on for 3 months before RLM sold my loan to XXXX. When I learned that my loan was sold, I reached out to XXXX via phone and they told me that they do not support multiple payments and that I was behind on my mortgage. I asked how that could be and they indicated that it was my responsibility to find out. They also started calling our phone day/night with automated calls that were never answered by an employee. 

I have spent more than 10 hours so far, on the phone with RLM to understand what happened. All I can find out is that they applied my XX/XX/XXXX payment ( for XXXX XXXX due date ) in the amount of {$800.00} to principle. This put us behind by that amount for XXXX. RLM has indicated that they are " looking into it '' and the supervisor, XXXX XXXX ( ext. XXXX ) has not returned my many voicemail messages. 

XXXX has indicated that we will not be taken off the robot-calling punishment until our account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: CA
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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-04-29
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2019 I faxed a form to fedloan servicing that they needed to fill out and mail back to me as soon as they received it. I confirmed they received it on XX/XX/XXXX. I have to have this original stamped form from fedloan servicing in my hands so I can mail that form and my employer verification form to Florida board of education by XX/XX/XXXX. If the Florida board of education does not receive these forms by XX/XX/XXXX I get kicked out of this program that is paying $ XXXX/year for 3 more years to my student loan ( {$12000.00} over 3 years ). As of XX/XX/XXXX I had not received the form from fedloan. I call them on XX/XX/XXXX and was informed they received my form on XX/XX/XXXX but someone misfiled it as a mortgage verification. The person I spoke to said the fastest turnaround time she can do is 3 days. I should have had the form yesterday. As of now I have had to call off work and make plans to fly to XXXX from XXXX tomorrow so I cam drive to XXXX PA and go to the fedloan servicing office and pick up the form in person and then drive back to XXXX and fly back to XXXX. Then on XX/XX/XXXX I will miss another day of work so I can drive to XXXX ( 3 hour drive each way ) to deliver the paperwork to the Florida department of education since they have to have paperwork in hand by XX/XX/XXXX. I am extremely unhappy that I am spending/losing money because the fedloan servicing   personnel misfiled something. {$12000.00} is a lot of money and I am the one that is suffering due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Investigation Request to Delete reported data NOT entirely accurate and PHYSICALLY VERIFIED, and NOT certifiably compliant and shown valid! 

I would like to make sure that, in accordance with FCRA requirements, you have and ONLY RETAIN current, true, correct, complete, and mandated reported information. I REQUEST that you REMOVE all information that is incomplete or inaccurate in any way since I have the legal right to do so. 

The information that I discovered to be inaccurate, wrong, incomplete, out of date, not verifiable, and unsupported is all mentioned below. I have not yet received any tangible evidence demonstrating the veracity of the negative assertions made in my report. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) | XXXX - {$110.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX XXXX XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) | XXXX - {$1200.00} XXXX | XXXX - {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) | XXXX - {$720.00} XXXX | XXXX - {$720.00} XXXX XXXX | XXXX - {$740.00} XXXX  | XXXX - {$2700.00} XXXX | XXXX - {$0.00}

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 non-monetary relief
Consumer complaint received 2019-04-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
On my XXXX XXXX with Santander I had a ( disputed ) bill of {$110.00}. 

This amount was due XX/XX/XXXX. 

I paid this amount in full onXX/XX/2019 Santander reported me late forXX/XX/2019 and XX/XX/2019on XXXX  and perhaps other credit reporting agencies.

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 2021-06-21
Company: AMERICAN EXPRESS COMPANY
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:
the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; CXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call at my place of employment XX/XX/2018 stating it was " an urgent matter '' I can not receive calls like this at work and my receptionist informed them of this. I received a call the following day XX/XX/2018, reception again informed them they can not call me here. I have had 1 call on my personal line so far as of XXXX on XX/XX/2018. I received 6 calls on my personal line XX/XX/2018 with no voicemails to call anyone back. This is inappropriate and I would like the calls to stop. I know someone who worked there for a short time and left because of the way they are instructed to harass people and talk to them as though they are garbage. I know they have violated the law by calling my employer a second time after being informed not to. I would like this formal complaint followed through and further action taken against this company. They pride themselves on being bullies, harassing behavior, and intimidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: MI
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 received a 30 day late on my credit report for my HELOC loan so I called in spoke to XXXX on XX/XX/XXXX and asked had any payments been made to my account that was reported she said there had not been any payment received since XXXX. I asked her to remove the late since I would be closing out the loan XX/XX/XXXX by selling my home. She lied and said we would lose our licensing if we did that and that she could not change the reporting. XXXX offered to send a letter stating the payment was made 1 day after the XXXX day. Then retracted and said she would send me a statement when I asked her to email the letter. XXXX advised she would send the statement which I never received. After checking my account there were 2 payments made on XX/XX/XXXX & XX/XX/XXXX that were transferred due to it being late. I never received any correspondence in regard to account being late. XXXX  XXXX  updated on XX/XX/XXXX and I made the payment XX/XX/XXXX. I then reached out to XXXX on XXXX and asked the same on XX/XX/XXXX he said he would check with the collections department and get back to me. XXXX me XX/XX/XXXX to say that she had advised XXXX that she already had a conversation with me and she already told me that she was not doing to do it. XXXX proceeded tTo lie again and say we would lose our ability to pull credit and I said XXXX you and I both know this is not true. I advised her that the lender XXXX XXXX XXXX XXXXXXXX ) advised me to call and see if XXXX  would do a courtesy removal since the loan is closing and I am in the process of getting a new mortgage. I asked XXXX would another financial institution advise this if they would lose their license. I told her that she knew she made that up and that she could if she wanted to. XXXX stated that other financial institution will advise clients to see if a removal can happen and she agreed that they do happen sometimes. I asked for her senior manager after that. The fact that XXXX is lying to not work with me is gross and unacceptable. If the answer was no then it was no need to lie. The fact that payments had been made however not the whole payment but I was not contacted at any point to be reminded. I still have not received my statement in regard to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have had an outstanding medical bill for many months. I am still on my fathers insurance and he was meant to pay it. He meant to pay it but apparently never did. I was surprised to see it posted to my credit report this morning as it is under {$500.00} ( the bill is {$490.00} ) I know as of XX/XX/2023, credit reporting agencies can not add medical debt less than {$500.00} to credit reports. The creditor is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief