BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi how you doin? just writing to follow up with the dispute i sent on XXXX, XXXX XXXX its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

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 2018-10-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On review of my account I discovered Rushmore fraudulently posted a withdrawal of {$45000.00} against my account on XX/XX/18. I've contacted them to resolve, they submitted a research request by their Collections Department, there has been no resolution on this issue. The company does not have a proactive method described to me for follow-up and its incumbent on me to pursue resolution with them. They have not reversed this payment from my account. The withdrawal shows it was made with check number XXXX, I have a blank check with that number in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: MO
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 previously disputed these inaccurate accounts below and XXXX  to be specific keep sending me and my wife computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. 

Accounts Being Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a card in the mail and was unsure why. I read on XXXX it could be anything from a promo to government benefits or money owes from previous jobs. I spoke with two people in customer service who were very well coached to not give me any answers except to activate my card or close my account. I said I didn't want to sign up for anything, but didn't want to close the account without knowing if someone was sending me money. They informed me they can't tell me unless I activate the card. I asked if they send promo cards and they would not answer me. I have no idea if I am supposed to activate this card, but it sounds like a scam to get me to sign up and well coached customer service who can only answer questions if I sign up.

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 2018-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a hard inquiry on my XXXX XXXX  that there was ahard inquiry from capital one. info listed Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I did not apply for any capital one credit card, loan or mortgage of any kind, so i am afraid it is some kind of fraud. i t now shows on my credit report from XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Bread Financial Holdings, Inc.
State: GA
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:
need a balance sheet stating payments made to charged off account and also the current balance of the account and status on company letterhead

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 I was notified that Carter-Young had added a collections account to my credit without any prior communications. I have contacted this company on numerous occasions but they have refused to remove this illegal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account one day, and its says we can not do business with you anymore. The paypal balance on your account will be on hold for 180 days, after 180 days, you will be able to eligible to withdraw your paypal balance. However, when I was checking my paypal account, I saw NONE balance. I was shocked to see a transaction that posted by paypal, the note says, $ XXXX, paypal posting on XXXX XXXX to paypal '' paypal took the money from me while I, as the account holder, dont have any idea about that! That is definitely not fair and is illegal, as they are taking money from its users. Since it says, I can withdraw the balance after 180days, why they took the money from me? I was trying to reach them for help, but they can not help me. I think I can file a report here because they didnt do the right thing for me. And I need to get the money back. The email linked to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
My last hardship application filed in XX/XX/XXXXXXXX  expired because I was unable to get my ex-wife to sign the application ; So on XX/XX/XXXX, I submitted another hardship application seeking mortgage hardship assistance. 

Meanwhile, I received a letter in the mail from 53 postmarked XX/XX/XXXXXXXX  stating that 53 will only remove my ex-wife from the primary mortgage and the equity flex line 2nd mortgage if I refinance at today 's significantly higher interest rates. Fifth Third points out that... 

" Spouses ( XXXX XXXX, the husband ) who do not want to be included in the application process or listed on the Note or obligation to repay the debt, are required to sign the mortgage on the property, as well as a few other closing documents. As her spouse, you were required to sign the mortgage, the Waiver of Borrower 's Rights Rider, and the Notice of Right to Cancel at loan origination. As you signed these specific documents, we are able to provide you with copies. HOWEVER, WE ARE UNABLE TO PROVIDE YOU WITH ANY INFORMATION REGARDING THE EQUITY FLEXLINE. AS YOU ARE NOT A SIGNER OF THE NOTE ''. 

The issue here is that the equity flex line of credit 2nd mortgage is not in my name but I am willing to take responsibility for it if 53 removes her name from the loan and the primary mortgage. 

I should not be put in a position to have my home foreclosed on due to the flex line of credit ( that is not in my name ) delinquency that I could have refinanced during the 10 months it took 53 to let me know the status of my hardship application, which ironically resulted in a higher equity flex line payment. It makes no sense that I should have to refinance at the higher interest rates that exist in today 's market when I had the opportunity to refinance ( in order to remove my ex-wife 's name from the primary mortgage & the flex line of credit ) when rates were lower, but as a tradeoff, I waited for the status/results of the hardship application. 

It appears that Fifth Third deliberately refuses to acknowledge their negligence and exercise their duty of care to me as a customer. 

According to XXXX... There are two ways to remove an ex-spouse from a loan : Release and refinance... A lender may release the ex-spouse from the loan. If presented with a divorce decree and a quitclaim deed, many lenders will remove the ex-spouse and leave the loan in the name of one spouse only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: OK
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:
The following accounts must be deleted as they were opened without my consent : XXXX XXXX  ACCOUNT NUMBER XXXX - Opened XX/XX/2021 XXXX XXXX  ACCOUNT # : XXXX - Opened XX/XX/2021 XXXX XXXX  ACCOUNT # : XXXX - Opened XX/XX/2021 I have further done more investigating to understand why these accounts are reporting on my credit report and per my findings, on XX/XX/2021, my personal information was leaked due to a data breach. ( See attached documents ) In this breach, I found that the following information was leaked, which are items needed in order to get approved or open an account fraudulently : SSN, Name, DOB, Phone number and address.

These accounts were opened in the same year of the breach and reflect no payments towards the accounts which is a usual sign of fraud.

I have attached the ID THEFT reports for all of them as well as the source of the date breach and what was included. That is enough evidence proving they are not mine.

They were opened without my physical signature.

They were opened in a state I do not reside in.

They were opened with an address I do not live at.

Resolution : delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house.

Reinsertion of these accounts after removal will be documented and presented to an attorney for further review for legal action to be taken as a result of negligence and deformation of character against all parties involved.

Please comply with my request as failure to do so will result in legal action being taken.

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 2023-10-03
Company: Experian Information Solutions 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 am writing to dispute the collection account on my credit report, XXXX XXXX XXXX XXXX, which is a result of identity theft. I have no knowledge or involvement in this account.

I demand that you provide : 1. Documentation of the original contract bearing my signature, validating my responsibility for this debt.

2. Proof of my involvement or association with the account in question.

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 2023-10-28
Company: Experian Information Solutions Inc.
State: HI
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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In late XX/XX/2022 I notified Mohela that I am opting to receive payments made during XXXX refunded to me. Mohela stated that it would take up to 30-days to receive the funds back. It has now been more than 65 days and I still have not received my refund. Furthermore, I have made multiple attempts to contact them by phone, email and their website messaging system. Three times I was on hold for XXXX hours and XXXX minutes after which the music stops and I was either disconnected or continued to wait without any indications I was still connected. This is abominable customer service and I see no reason why I should continue to endure financial hardship as a direct result of Mohela not refunding my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX I reviewed my credit report and discovered that an account US DEPT EDU Account # XXXX is still being reported on my credit report. This is a negative account with very different information being reported account the 3 main credit reporting agencies.

I have reached out to each agency individually to get this erroneous account removed with no resolve.

I have a right as a consumer under the FCRA to have a credit report that is correct and only information that is factual can be reported.

15 US Code 1681 b Permissible Purpose a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

This account is the only negative account on my credit report and has a negative impact on my ability to obtain credit.

It is Open on Experian, Closed on XXXX and OPEN and CLOSED on 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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was a victim of fraud from the XXXX data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor eyesight and only have a mobile phone and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix

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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Have reported numerous times identity theft. Last identity theft report was closed after phone was hacked. I have had current equifax account for about 2 years. Suddenly equifax will not let me log into my account without contacting a call center in XXXX and getting a password sent to my email from them. They sent me an email saying the issue was fixed. It is not fixed and Im tired of fighting with these people over my own social security number. This is a violation of fcra and my rights to lock me out of my own credit report. The person stealing my ssn is constantly doing this to save their own behind. Im tired of it and nothing is ever done. This has been going on since around XX/XX/2022 2022

Company response to consumer: Closed with explanation