BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio recovery are trying to collect a debt from 2012 allegedly owed by me. The failed to provide any information of me or the original account other than some payment were made with a credit card. I never had an account by XXXX XXXX. 
They are preventing me from getting mortgage and they report false information and I need them to stop call and ask for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Rushmore under an assignment received a defaulted loan secured by the property located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New York XXXX. I was sent a foreclosure notice dated XX/XX/XXXX under index number XXXX. The owner XXXX XXXX was murdered on XX/XX/XXXX, and we are now approaching two years and four months in which the debt collection company Rushmore has refused to accept my XXXX XXXX rental payments which now total XXXX which leave roughly XXXX left of the outstanding debt. What concerns me is that Rushmore is acting as a debt collector in name only, because for two years and 6 months no foreclosure documents can be found in the XXXX Supreme Court. I fear that Rushmore is attempting to use its name to prevent the property from complying with state law under NY Public Auth Law 2429 and NYC Administraive Code 11-243. They're a conduit used to shield property required to be listed as rent stabilized. They keep writing me stating they can't discuss the loan, but I need repairs. How long can they keep acting like a debt collector ; who doesn't collect the rental income?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: PA
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:
According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX  Account : XXXX and Account : XXXX listed on Experian, XXXX, & XXXX to reverse the late payments on my consumer report, to no avail. 
XXXX  has charged to my account LATE CHARGES, and Experian, XXXX, & XXXX have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ). 
I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Dynamic Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
according to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Dynamic Recovery Solutions is engaging in said violations of latter federal statutes. Dynamic Recovery Solutions is trying to associate me with an account that is over 15 years old that I do not owe. Number one the statute of limitations on a debt is 6 years, and number 2 this is not my account and I have no knowledge of this account. I served in the military and my social has been fraudulently been used over the last 20 years illegally, and I have repeatedly filed police reports to back that up. I do not owe any money to this alleged account, as I do not and have never had a XXXX XXXX account in which I owe any past due monies. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
We have been paying an extra XXXX principal payments per month on our mortgage for almost XXXX years. When we asked for a payoff the number is exactly the same as what we currently owe. How can the payoff number and the remaining amount be the same? We have done the math on the numbers sent every month from the servicing company. Using " their '' numbers our outstanding " principal amount is XXXX based on a XXXX end date. 
That date is on every mortgage payment statement we have. We have all of them. We just need to make sure the numbers are reflective of what we have paid and that they are reducing the principal as we intend. Based on the payoff number they have given us of XXXX it is " NOT '' the case. How can we owe anything additional without those numbers being reported to us? We know servicing/mortgage companies " do stuff ''. We will not allow this to happen to us we have worked too hard to pay this house off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Hello, My name is XXXX XXXX. I just turned XXXX on XX/XX/2023. I am totally and permanently XXXX. My mother is XXXX XXXX, and she is helping me write this message to you all. I was born on the day of XXXX weeks, 4 months earlier than I should have. I have XXXX, an intellectual learning XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and am XXXX XXXX The information on my credit report is incorrect ; I have never had any accounts in my name. I would like all information erased from my report and the correct information to be input. I would sincerely appreciate it if this could be done quickly, for it is not mine. Thank you for your time.

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 2023-04-21
Company: Bread Financial 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 have disputed this account several times with Comentity Capital XXXX XXXX The card was take out in my name Fraudulently. I have expressed to them Several times as well as sent two different police reports. I have disputed with the credit bureaus several times but they continue to verify the account without being able to send information that validates the account. I have been a victim of fraud the last ten years and have informed the company of stolen identity. 

The account has been sold several times and each time I am not being given proof of burden. 

I want the account removed from ALL credit reporting agencies due to its fraudulent nature and negative impact on my credit profile. 

The account is appearing on my account as a negative closer account. 

XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CORELOGIC 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 Complaint # XXXX was filed regarding a mortgage lender conducting improper use of my credit report. They pulled my credit report 3 separate dates after the 30-day allowance which caused my credit FICO score to drop approximately 95 points ( XX/XX/2020 ) following this inquiry. I went from Exceptional to Good rating. I know my credit was pulled regarding the purchase of a car on XX/XX/XXXX but this seems odd that my score would drop a drastic 95 points and to have only increased 11 points since XX/XX/XXXX. Is there anything that can be done to review my credit score and hopefully restore some of the points that were taken unfairly. I have worked hard to restore my credit through the past 10 years or so and to have it change like this is discouraging. Thank you.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and 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 non-monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, 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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2022-05-05
Company: Experian Information Solutions 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 am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX, never at any other address on my credit report. I have attached a copy of my DL, Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account. 
I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: Experian Information Solutions 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:
XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing missionary work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the XXXX breach this may have been a cause of XXXX. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.

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 2023-12-14
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:
The following inquiries are showing up on my credit profile. These are inquiries that were not authorized by me and that I have no accounts with. These need to be deleted from my credit profile right away. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/2022 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 2023-07-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023, at XXXXXXXX XXXX  I spoke to Bankruptcy courthouse employee XXXX. I asked her does the Bankruptcy XXXX report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the Bankruptcy Court House website that the court doesnt report to credit bureaus. The Bankruptcy XXXX XXXX Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I'm an XXXX  This problem has happened more than once. 
I regularly receive offers from Bank of America to use their personal checks. A 4 % fee currently applies, but then no interest is charged for at least a year. I did so in XXXX by depositing a check in the amount of {$2500.00}. My XXXX bill was in the amount of {$5200.00}, and it included the {$2500.00} check I used, meaning the net of {$2700.00} was all I should have had to pay to avoid interest charges. I called BOA and so confirmed on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. On XX/XX/XXXX, I paid ( online via BOA ) {$3000.00}, meaning I had paid more than I needed to pay to avoid any interest charges. Yet, I recently received an interest charge of {$12.00}. I called BOA and complained. I was told the charge would be removed, and it wouldn't happen again. However, as noted above, this has happened in the past. I wish for something to be done about it, and I don't wish to file a class action lawsuit to get something done. I think a lot of businesses do things like this, seeing what they can get away with. Some people are too old or feeble or otherwise unable to do anything about it. Others are too busy to notice. Please do something concrete to stop this abuse.

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 monetary relief