BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have previously attempted to discontinue Selene Finance from accruing for escrow. I have had the same mortgage for 18.5 years and never refinanced. Originally serviced by XXXX  XXXX XXXX- is now with Selene Finance - Transferred XX/XX/XXXX. I was told earlier this year that to be eligible to been with them for at least 12 months and and a positive or XXXX balance owed. Well, it has now been 14 months and I have a positive balance as of today {$2000.00} and insurance paid through XXXX and taxes paid through next tax due date in XXXX XXXX, VA which is XX/XX/XXXX. Worst all they are collecting more than TWICE what is needed to pay my escrow accounts! THAT IS RIGHT SELENE FINANCE IS COLLECT DOUBLE THE NECESSARY AMOUNT. Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: The CMI Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert on my credit report this morning for owing {$60.00} to XXXX. I never had XXXX, nor never lived in an area that offered XXXX. I called XXXX and told them that. I ask did the person who opened the account present any physical forms of ID, besides a stolen social security number? My concerns is how can someone open an account in my name, without presenting a physical ID to XXXX? All of my bills are current, and if I had an account with XXXX, it would be current too. I have bigger fish to fry than to slight XXXX out of {$60.00}. I refuse to pay it, because it's not mine. I actually would like XXXX to compensate me something for allowing person to open an account in my name without verifying ID. I'm in the middle of purchasing a home, and if this false information hinders that, I will seek further legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been sending disputes for 3-4 years trying to remove incorrect information. Each time I get verified as accurate. Thats all. No real look or investigation. I can not buy a home until this is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$660.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: CITIBANK, N.A.
State: IA
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: Their investigation did not fix an error on your report

Complaint:
On XXXX, my husband, XXXX XXXX XXXX, died from XXXX at the age of XXXX. Needless to say, this was a very unexpected event and my grief has been overwhelming and at times, disabling. My late husband and I have several credit cards and I didnt have a list of who was the primary card holder on each account. If he was the primary account holder, those accounts were closed. 

Citi card closed three accounts for which I was the primary account holder as Citi Card thought I died. I tried to log into these accounts to make payments, but since Citi Card closed them, I was unable to make payments online. I assumed, during my grief, that these were his accounts. It wasnt until I received a letter trying to reach my estate, that I realized they were my accounts. I immediately called and rectified the situation, including getting all accounts current. Unfortunately, these accounts had late payments and were reported to the credit bureaus. I did a dispute with all three credit bureaus as instructed by Citi Card, however they not remove these negative items from my credit reports. 

I have called Citi Card on multiple occasions to attempt to get this resolved. They were unable to be of assistance. Each time, Citi Card remove the deceased comment from my credit report. While I appreciate that, I need help to remove the late payments from my credit report. 

Specifically, regarding Citi card ending in XXXX, I made a payment in XX/XX/XXXX and not again until XX/XX/XXXX. For Citi card ending in XXXX, I made a payment in XX/XX/XXXX and not again until XX/XX/XXXX. For the Costco Citi card, I made payments in XXXX and XX/XX/XXXX and not again until XX/XX/XXXX. Again, Citi Card closed those accounts thinking I had died, when in fact it was my husband that passed away. 

Given the nature of this situation and my long history of making payments on time, Im requesting that the late payments be removed from my credit history as it had a huge negative impact on my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( formerly XXXX XXXX XXXX XXXX, IA )

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: Genesis FS Card Services, Inc.
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: Account information incorrect

Complaint:
I live on XXXX XXXX and took a direct hit from Hurricane Ian. I called them when I was able to finally get phone service back and they told me they weren't reporting late payments for 90 days due to Ian. I have always and am currently in good standing with them. This is holding up my credit as I'm trying to buy a house. Indigo Credit Card with Genesis card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I mailed a certified letter to Transunion disputing inquiries that I did not authorize. I also mailed certified letters to Transunion on XXXX disputing accounts that had inaccuracies. I included my drivers license and social security card. t has been well over 30 days and I have not as of XXXX received any correspondence for any of the letters and disputes.

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 2023-03-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home with Rushmore Loan Managment Services in XXXX of XXXX. In XXXX of XXXX  they offered a forebarence to me for 6 months. The forbarence said it was with HUD. Rushmore then filed the lien on the behalf of HUD against my property. Two years later Rushmore Loan Management Services transferred my mortgage account to XXXX XXXX XXXX. XXXX XXXX contacted me to advise me that they would be my new service provider and provided me with the payoff. Rushmore charged XXXX XXXX the principal balance owed and the additional {$20000.00} for the forbarence lien that was placed against my house. Rushmore did not tell XXXX XXXX what the additional charge of {$20000.00} was for and XXXX told us we had two weeks to pay it. I then tried to sell the property and was under contract with a buyer and the lien for the {$20000.00} came up on the title report from HUD. My attorney and myself made several calls to HUD and they had no knowledge of the lien and directed me to call my original bank back ( Rushmore ). HUD told me that Rushmore never submitted any paperwork to them for the Forbarence lien and that they would not be able to provide us with a payoff or discharge. Rushmore could not provide a payoff or discharge because the company said HUD filed the lien. HUD could not provide a discharge or payoff because they said Rushmore did not file the paperwork with them for the lien. I was not able to clear title and sell the property. One year later I'm attempting to do a Home Equity Loan and Rushmore was paid and will not provide discharge or any docs, They are telling me to call HUD and HUD is telling us they have no record of the lien filed and it was not filed by them. Rushmore was paid by our new service provider and admits that they received the payment but states that theres nothing they can do for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX, violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # 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

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 2018-05-22
Company: Convergent Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone from XXXX MD accrued {$3000.00} in my name with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the debt was sent to XXXX XXXX. I received a call from Convergent trying to collect {$3000.00} from me. 
I have never used XXXX XXXX, and I have never even visited Maryland let alone lived there. I have been a victim of Identify Theft. 
I tried to contact XXXX, XXXX, and XXXX XXXX. The debt in still under my name. I have put a security freeze on my account until this issue is resolved..

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

" XXXX XXXX XXXX XXXX '' ( XXXX XXXXXXXX XXXX ) are reporting inaccurate information to my file. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX  accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

They also violated the law because according to 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 2023-06-30
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$28000.00}.

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 2022-11-28
Company: EQUIFAX, INC.
State: NM
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 Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX, violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account XXXX XXXX, has violated my rights. 
XXXXXXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 o 2 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 6 O 4 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 COMENITY BANK - ORIGINAL CREDITOR BALANCE AMOUNT : XXXX Says that the account information has been disputed by consumer, meets FCRA requirements but still shows up as an open account on credit report.

Company response to consumer: Closed with explanation