BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
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:
Over the past year I started paying more attention to my credit report. I found a few things that I didn't recognize and also found out that I was a victim of the XXXX breach. I have a fraudulent XXXX XXXX account on my report that is showing " charged off ''. Initially I contacted XXXX XXXX directly and received very little help. I then received some bad advice from a repair agency that said since the balance was only {$71.00}, it would be easier to just pay it and it would be deleted faster. Needless to say, they were wrong. I then went through the process of filing identity theft. XXXX immediately investigated and deleted the account, TransUnion has not. This fraudulent account is drastically affecting my score and finances. I've done everything to try to fix it. Please help me make this right.

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 2023-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold off thier mortages to Rushmore Loan Mgt services XX/XX/XXXX. In XXXX i complain by phone after they raise the escrow without notification. I considered the calcs wrong. Sent emails in XXXX same complaint. Called XXXX for two things to complain about no action and also that preseent home insurer XXXX will be replaced by XXXX In dec. Wrote a email XXXX or XXXX to complain about lack of customer service, no return calls and lack of action. On XX/XX/XXXX unknown to me they payed XXXX before due date. Only found out after i look in XXXX after XXXX  submitted thier bill. Wrote another email to inform them they paid the wrong insurance company. XX/XX/XXXX my XXXX was showing 30 days overdue. Again i wrote thier need to correct thier mistake. They finally paid XXXX at the end of XX/XX/XXXX or beginning of XX/XX/XXXX not sure presently. But they refuse to correct thier mistake which is over XXXX dollars to my escrow. Basiclly sent me a form letter on XXXX, XXXX, which is postmarked XX/XX/XXXX and recieved by me XXXX where they state this is my fault completely and obiviously my escrow is now missing money and short which they expect me to pay for. 
They violated std escrow law where they have to notify of changes which i have the right to address at the moment. Second they violated fudiciary respondsibility by using MY money to purchase unauthorized insurance thus having me pay for two different home policies which is also against the law. I look at that unauthorized use of my money as theft which is a felony. Thier refusal to except fudiciary respondsibilty, lack of proper supervision of my account and lack of proper customer service has lead to months of distress on our part. My plan is to also notifify the states of Illinois and California of thier complete lack of fudiciary respondsibility. Plus if needed we plan on turning this over for legal action to the proper authorities and lawyer. You will also find out NEVER, again Never have had any problems with this in over 20 years, only after they took over. Also Im not even required to have a escrow since over 65 % of my loan is paid. This company needs to be held accountable for a complete lack of accountablity. The escrow account is my money not thiers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
While I was searching job online I was approached by they call them self XXXX XXXX XXXX vacant position as Data Entry Jobs and they told me that this job will pay {$28.00} per hour and I replied them about the job and they set me an interview day online through XXXX  chat. The person who interviews me was XXXX XXXX, she sends me the job description along with all the instructions that look like a legit job and I didn't notice it is a scam. So we got the interview done on XX/XX/XXXX on Thursday. 
XXXX XXXX who interviewed me all the way and she gave me a task 1 up to task 5 and I finish those task and she said the department will review and let me know their decision, the next days she told me the board approved me and I will be rewarded {$50.00} for the time I spend for the interview with her, also they will send me a start-up check, she didnt mention the amount until I got it through mail. And then the final task was task A and task B, on XX/XX/XXXX at XXXX XXXX. 
Task A has deposited the check into my bank, after 24 hours when it's available she ask me to cash it and instruct me how to pay for the 2 vendors {$850.00} each through MoneyGram at the XXXX   location to buy the office equipment, she gave me those two vendors name, city, state. After that she also instructed me to buy a 3 {$100.00} XXXX gift card and told me to attach the receipt and the card through her email and I did all of that and the next day when I check my bank the check that I deposited through my mobile application was bounce back and I contacted my bank and they say it was a fraud check. 
Im still talking to that lady online but I lost my money over {$2000.00} and I need help. on XX/XX/XXXX, I report to the police department and they told me there's nothing they can do to help me and even if I report to the FBI, FBI has lot more pressing matters to do, then I report to Moneygram customer service fraud protection unit and told me they will get back to me as soon as they investigate but they never reply me yet. I also contacted XXXX customer fraud protection unit and they recover half of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
I value you setting aside some margin to remove a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXXXXXX 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 2023-04-08
Company: EQUIFAX, INC.
State: CT
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: HSBC NORTH AMERICA HOLDINGS 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 status incorrect

Complaint:
Credit Card with HSBC was used fraudulently and HSBC alerts were not sent to me when fraudulent activity was occurring. I was made aware of the fraudulent activity only when I was sent a bill showing a past amount due. I immediately called HSBC to report fraud and to have the fraudulent charges removed ; however, there were finance charges and late fees derived from the fraudulent charges that needed to be removed as well. I was told that it would take a minimum of 60 days to investigate the fraud charges, but that my account would STILL BE REPORTED LATE to the credit bureaus. I was told that only AFTER the investigation I could get the finance charges and late fees removed from the account and THEN they would update the credit bureaus to update the balance. However, the bank should not report this account late or show delinquency on my credit report due to fraud. Furthermore the delinquency reporting needs to be removed from the credit report and not just the balance updated to show as paid. I have a flawless payment record that will be tarnished by the practices of HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Credit acceptance gave me a leased car that I ended up voluntary giving back due to car dealership selling me a faulty vehicle.

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 2022-06-04
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # 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. These laws are listed below. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-04-06
Company: SANTANDER HOLDINGS USA, 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: Credit inquiries on your report that you don't recognize

Complaint:
The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Credit Karma, LLC
State: LA
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: Didn't receive services that were advertised

Complaint:
Credit Karma and XXXX have been found liable to inaccurate information and false approval offers. To which they are still doing and not removing inquiries. I have multiple hard inquiries due to credit Karma & XXXX false approvals lowering my credit rating and increasing my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute certain accounts that are held by your company. The accounts in question are as follows : XXXX XXXX, NA XXXX : late payment account BANK XXXX XXXX XXXX : charge off account XXXX XXXX  XXXX : inquiries on XX/XX/XXXX I believe that your company has violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and/or the Fair Credit Billing Act ( FCBA ). 

The specific violations that I believe have occurred are as follows : With respect to the XXXX XXXX, NA account, I believe that your company has violated the FCRA by reporting a late payment on my credit report when the payment was made on time. This has caused my credit score to decrease and has made it more difficult for me to obtain credit in the future. 
With respect to the BANK XXXX XXXX account, I believe that your company has violated the FCRA by reporting a charge off on my credit report without providing me with proper notification and an opportunity to dispute the debt. This has caused significant harm to my credit score and has prevented me from obtaining credit. 
With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by making unauthorized inquiries on my credit report. These inquiries were made without my permission and have caused my credit score to decrease. 
As a result of these violations, I have suffered financial harm and/or other damages, including being denied credit and having my credit score decrease.

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 2021-04-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2020, I have sent monthly letters to NAVY FEDERAL CREDIT UNION asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that NAVY FEDERAL CREDIT UNION to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

Equifax is governed by 15 USC 1681.they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022 here is my tracking number XXXX XXXX XXXX XXXX XXXX. Request to remove inaccurate information and remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy also according to 15 USC 6802 no financial institution is not supposed to share my information to third party people.

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
keep on receiving notices for a debt collection company called National Credit System, Stating that I owe {$170.00} from a company I have never been associated with, I never dealt with that company or owed them money. I spoke to National Credit System, I told them this has to be a result of identity theft, and they still trying to collect this debt and threatening to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The balances were much lower before they went into collections, when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I was charged for {$29000.00} from XXXX XXXX XXXX. I called discover immediately because charge was only supposed to be {$20000.00}. They issued me a provisional credit of {$20000.00} when they investigated the issue. On XX/XX/XXXX, they reversed provisional credit. They provided me documents that were " support documents '' from XXXX. The support documents had my signature on a bill of lading which just list my detailed goods. This was the only document they had that had a signature. None of the documents had my signature on an authorization to charge card or authorize any payment amount. I called discover on XX/XX/XXXX and the representative didn't understand why it rejected either and escalated it to her " XXXX ''. I called again on XX/XX/XXXX and they said no one ever put another case in so they did it again at that time. I called on XX/XX/XXXX to check status and they had no explanation why they were accepting the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened multiple fraud claims with EDD and Bank of America but I have not received any response. A account was

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