BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
On XX/XX/2021 I sent in a request to the creditor & credit reporting agency 's alleging false information and reporting to Experian, XXXX, & XXXX indicating I have a outstanding collection and past due amount of {$3200.00}. This is inaccurate reporting on my credit report, and i don't know how a collection agency is reporting a 'past due ' balance on an alleged collection? This is a violation if the 15 u.s.c 1681g law. I have experienced several damages to my good name due to this inaccurate reporting.

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 2022-09-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Rushmore XXXX XXXX XXXX XXXX, XXXX California XXXX XXXX XXXX ( XXXX ) XXXX filed for collection of fictitious loan under identity theft in XX/XX/XXXX and there was collection of over XXXX of fraudulent lien filed against my property in XX/XX/XXXX by XXXX and XXXX on behalf of fraud. I filed further complaints and showed CFBP filed action against XXXXXXXX XXXX for conspiracy to fraud unsuspecting victims with identity theft fraud loan schemes. 

On XX/XX/XXXX the CFPB filed action, orders and enforcement with injunctions against XXXXXXXX XXXX  and Rushmore Collections and XXXX and XXXXXXXX XXXX XXXX  have obstructed justice by ignoring orders under racketeering and organized financial crimes after the fact and as accessory to XXXX XXXX  facilitation of fraud, with stipulated agreements to refrain from any collecting from victims of fictitious loan scheme. I reported back to CFPB and the company denied they were correct company to contact in fraudulent misrepresentations after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Scott Fetzer Financial Group Inc.
State: CA
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:
UNITED CONSUMER FINL S OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH TIMESHARE LEGAL ATTORNEYS. IMMEDIATELY REALIZED I DID NOT NEED THE TIMESHARE LEGAL ATTORNEYS AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED UNITED CONSUMER FINL S AND PAID OFF THE CONTRACT. UNITED CONSUMER FINL S REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY TIMESHARE LEGAL ATTORNEYS WHO LATER PAID THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
" THIS COMPLAINT IS NOT A DUPLICATE " This loan was paid off in full on XX/XX/2023. XXXX unexpectedly called the loan in the prior month. It has failed thus far to report the account as paid and settled to all credit bureaus. XXXX has behaved in a manner similar to a loan shark. Regardless we had to find the money to pay them off and now they are holding back on reporting It as paid. Which is having a negative effect on my credit score. 
Please see the attached loan paid receipt E-Mail from them. 
This complaint is also addressed against the 3 credit bureau companies for maintaining and putting out the wrong information on my credit report and not updating it regularly.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay

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 2022-09-16
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: Information belongs to someone else

Complaint:
This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. here are the items that needs to be remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX,XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/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 2023-09-26
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. GM FINANCIAL Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called experian around the XXXX of XXXX and requested no more marketing from Experian. My request was not respected as Experian continues to market to me even after requesting no further marketing. They are marketing credit cards that I don't want or need, and they are marketing credit services and protection from identity theft. Experian should not charge a consumer a single XXXX to keep their information secure. It is extortion to create a record and then make consumers pay to keep it private. It feels like mob Protection money, and should be illegal.

Reguarding continued marketing after a request to cease, that is indeed illegal. Please cease and desist with any further advertising, including but not limited to emails, phone calls, and website offers, and postal advertising. 

This is an official record of the request, any further violation will be concidered harassment. 

Attached is a record of Experian continues attempts at marketing after a request to cease and desist was made. Also the website has me decline " free '' services with every log in ... services that are not really free, as credit card info is collected and used at a later date.

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 2023-02-06
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PDQ services continues to add things to my credit file despite not being able to furnish signed paperwork of any agreement between myself and themselves. I have never lived at a company called XXXX or signed and agreement with XXXX. I do not owe them money. This is illegal and its still on my credit report despite multiple disputes and attempts to resolve with the company directly. This account was added to my credit report on XX/XX/XXXX. I immediately disputed it on XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX, XXXX and they could not furnished any agreements but XXXX, XXXX, and XXXX allowed the account to stay. The account was removed once on XX/XX/XXXX but then placed back on without my knowledge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: AMERICAN ADVISORS GROUP
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:
THIS IS NOT A DUPLICATE COMPLAINT! Attached is letter dated XX/XX/2020 received from AAG regarding my complaint. See areas I highlighted. This is now a complaint because AAG doesn't know their business. The knowledge of HUD loan requirements, and should have never unnecessarily pulled credit prior to qualifying property. Step One - Qualify. Step Two - go forward. The first phone call should have been one question ; " Please describe your home ''. 
I am not the pro as AAG advertises to be. And this should have been caught by AAG and not weeks later by an appraiser in the field. 
AAG, yes, I am frustrated my property did not meet HUD loan requirements. Shouldn't AAG know the HUD loan requirements and shouldn't it be qualified before any credit is extended? Why extend credit if property will not meet HUD Loan requirements? 
And AAG CARES Department doesn't care very much by making a smart statement " AAG acknowledges that this is the 4th time you have submitted this complaint to various agencies ''. Perhaps 5 times is required for AAG to understand this. 
The reason for AAG is because I was involved in XXXX fraud and identity theft. I don't need an inquiry on my report that should have never been there in addition to days of wasted time. 
Look at areas highlighted on your attached letter " 3. To a person which it has reason to believe ''. Is AAG a company or person? So who is the person? 
In addition, noting was mentioned about XXXX XXXX. And I call XXXX XXXX and the recording states press ___ number if you want a copy of your credit report. Then a lady gets on who is with XXXX, a sister company of XXXX XXXX and both are part of the XXXX. Now AAG, XXXX XXXX, XXXX, and XXXX all can have access to my personal information. This is totally wrong! Perhaps AAG CARES Department needs to read this again " 3. To a person which it has reason to believe ''. 
I had to fight to get the reimbursement on the appraisal fee and am still waiting months for the final {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has not updated my Fraud Alert information they have not put my contact information on my report so in result I would like for it to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: PLANET HOME LENDING, LLC
State: NJ
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$370000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I bought my home in XXXX. I fell behind in XXXX of XXXX. I do not have a deed recorded in my county. I have sent my lender a qualified written request requesting information about the origination of my loan. I sent the qualified written request on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they are refusing to answer. I would like information regarding the origination of my loan and chain of title. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you provide information regarding a credit report listing that appears as XXXXXXXX XXXX XXXXXXXX within my consumer file. Until I fully understand this trade line, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to the FCRA, FDCPA, or other applicable statutes. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistance in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 30 days because you may have seriously damaged my privacy rights, personal reputation, and financial standing. For that reason, I am asking you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship - i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit report immediately.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX 2023

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 2023-01-26
Company: EQUIFAX, INC.
State: NM
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:
My fico score decreased from Equifax XXXX points because of their inaccurate balance information from my XXXX XXXX  card ending in XXXX my fico score today! Said my card increased to over XXXX dollars? They are looking at a d balance over 40 days old? Not was is current today?? my balance is only XXXX dollars period! I had a lot of problem with equifax reporting old information!! I will include my Fico infor from Equifax

Company response to consumer: Closed with explanation