BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
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: Account status incorrect

Complaint:
I have checked my credit report that the account from XXXX XXXX ( Acct:XXXX  ) contains erroneous information. The account states that I made late payments on this account. this is incorrect! The lease that is the subject of this account is an automobile lease that ended on XX/XX/XXXX. All payments pursuant to the terms of the leaser agreement were timely made. 

There is an amount that XXXX XXXX is alleging that I owe that I'm not agreeing with. There was no agreement between XXXX XXXX and me to pay the amount alleged to be owed by XXXX XXXX on my credit reports. Pursuant to XXXX XXXX ' publicly posted information, the company is to send the " Lease-End Liability Invoice '' " up to 30-45 days after your vehicle has been returned '' XXXX XXXX XXXX 

I turned in my leased vehicle to XXXX XXXX on XX/XX/XXXX. I received a call from XXXX XXXX approximately XX/XX/XXXX asking me to turn in the vehicle that I had turned in 4 month prior. It was not until XX/XX/XXXX that XXXX XXXX sent me a notice advising me of an amount owed for those months. XXXX XXXX clearly did not know where the vehicle was for four months after I turned in the vehicle. 

I have repeatedly contacted XXXX XXXX but have been consistently told that they are unwilling to do anything. XXXX XXXX is listing the account as having late payments/Chargeoff thus negatively affecting my credit report. I have attached copy of the certified mail I have sent to all 3 credit bureaus.

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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22, I received a general credit card from Bank of America in my deceased mother 's name. I called Bank of America to report identity theft. The credit card was closed immediately as well as my mother 's name was flagged as deceased to avoid potential for future reoccurrences.

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 2018-09-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Called them in the beginning of XXXX to inform them my principal and interest went up $ XXXX. and this was incorrect. They proceeded over the next 6 weeks over a total of 7 calls to lie & make up Balone ... in which by the end of each phone call was obvious to me and also to them! They keep using the word escalate to a senior advisor to figure out how this could happen seeing as how I am on a fixed rate. They are now sending me threatening mail which I really dont appreciate. They want me to just pay them and theyll figure it out later, which I am unwilling to do because theyve had over 2 months and have not given any explanation or proof that my principal and interest shouldve rose $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Resurgent Capital Services L.P.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested details for the notice sent by this organization. No response from them. I assuming this is a scam organization. 

They did not reply to my letter. 

Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I purchased a property in XXXX through Loan Depot. I hired a bad contractor and 203k consultant. Loan Depot paid the contractor over 96k and the contractor failed inspections with the City of XXXX. Lon Depot did not ask for a city inspection until i fires the contractor. That seemed very strange that they waited until they paid the contractor XXXX to ask for a city inspection. This has put me in a real bad stressful situation. I had to pay for things, twice, to get corrected and up to code which prevented me from finishing my property. Ive been struggling to get things done in my building and pay my mortgage for the last year. I had not missed any payments until XX/XX/XXXX. I was able to get a forebearance in XXXX because I work for the government and did not know if I would be affected greatly by the government shutdown. Now Im struggling to make payments because I have to make repairs to my home due to it not being completely renovated. For example my pipes burst due to the Polar Vortex in XXXX which cost me a lot to repair. The pipes froze because I dont have any walls up in my first unit. I had about 13 or more busted pipes. I called Loan Depot on XX/XX/XXXX to see what options I had. I was told I could extend my forebearance and they sent me a modification package which I have not received. Today XX/XX/XXXX I called to extend the forebearance and i was told I couldnt. I cant believe I was lied to. I am so upset that Im struggling due to their negligence and they wont help me. I also begged Loan Depot last year to close my fha case so I could refinance they said they would and did not do so. I am paying way more in interest than I should be and cant even refinance to save money to finish this renovation. I cant get help from other banks because my building is not completed. This has been a really bad experience. Im upset that my credit score may decrease as well. I have all of my emails from Loan Depot if needed. I also have pics of the work from the contractor that failed. I also have all my docs from the complaints I made about the contractors and consultant. I hope I can get some help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, CARRINGTON MORTGAGE SERVICES , LLC, didnt pay my home insurance to XXXX XXXX XXXX XXXX  on time through escrow. For the life on my loan, my home insurance payments have been paid through escrow. 

The home insurance was due XX/XX/2023, but my mortgage company didnt pay until XX/XX/2023. As a result, my home insurance was cancelled and the company is refusing to underwrite me again. I am struggling to secure home insurance, and what companies will work with me are charging much more. 

The home insurance company remitted the payment attempt back to me by cutting me a check on XX/XX/2023. I received that check on XX/XX/2023. My mortgage company is refusing to help me. Ive called multiple times over the past two days, and no one seems to care even though this is an error stemming from their gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: FL
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  Account 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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:
XXXX and Equifax credit reporting agencies did not do a proper investigation during my dispute. They are improperly reporting my XXXX student loan account as delinquent when in fact the account has been in deferment under the C.A.R.E.S. ACT and should show paid as agreed with no late payments. Also, there are four collections accounts that are inaccurate and need to be deleted. The attached dispute letter will outline all accounts that should be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2021-07-28
Company: Americor Funding, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I paid one year of fees with Debt Settlement company, Americor Financial ( Americor.com and XXXX XXXX XXXX ). After one year, my credit is destroyed and I feel like I have been mislead on that detail. However, I called on XX/XX/XXXX at about XXXX XXXX. and spoke with a gentlemen named XXXX at their other number XXXX XXXX XXXX. I told him I had researched it and that I was legally entitled to any unearned fees at that point. XXXX told me that I had about {$1000.00} dollars that would be refunded to me within a few days after I spoke to their other customer service number ( the XXXX XXXX XXXX number ). I called them back on this past Monday, XX/XX/XXXX of XXXX and spoke to a woman named XXXX who told me I was not going to get the unearned fees regardless. I called again and spoke to a woman named XXXX XXXX at XXXX XXXX. She said also that I would not get any money back, regardless of who I complained to. I know they owe me At Least {$1000.00} dollars and perhaps more. Overall, I think they could do with some governmental oversight as to their lying about credit repair and such. I don't have any receipts at this time, but if needed, I can obtain bank documents that show they have been taking my money for some time over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: RentDebt Automated Collections, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RentDebt Automation is reporting monthly an old rent debt as an active trade line collection to all three credit bureaus. 
When I spoke to RentDebt Automation on XX/XX/2021 the company shared that the debt was too old for a law suit or to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
There are numerous accounts and inquiries listed on my credit report that I have no knowledge of and didn't authorize. This was a a result of malpractice or an error.

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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I woke up to a withdrawal amount of roughly XXXX dollars from my checking account, around XXXX. It was a transaction made through XXXX and I never really use XXXX  unless to send money to my wife and kids. I check to see who the money went too and its an email to somebody named XXXX from XXXX. An unknown email to me and my family. My bank, Bank of America, is trying to say I authorized the transaction because a code had to be placed but the supposed code came in at XXXX oclock in the afternoon after the 6 transactions have been made which were made before XXXX after XXXX since thats when I went to sleep the previous night XX/XX/XXXX. Coincidentally, I was at the bank at XXXX oclock that day & told them how were they able to make 6 transactions without my authorization and thats when they mentioned a code. I told them I didnt receive a code. I get home & at XXXX oclock a magical code appeared for the first time. Its at the very top because Ive never gotten a code before. Its a security issue from their behalf and theyre trying to use every excuse to not give me my money back.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Credit Bureau Disputes Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Mobile : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX Customer # : XXXX RE : REMOVE HARD INQUIRY FROM MY CREDIT REPORT ASAP To Whom It May Concern : I was never told nor made aware that Capital One would do a hard inquiry/pull on my credit. I was told that you would do a soft inquiry/pull so that it wouldnt adversely affect my credit. 

However, it shows on XXXX, XXXX and XXXX that you did a hard inquiry which has caused my FICO scores to lose between XXXX points. I need you guys to remove this inquiry ASAP. 

Concerned, XXXX XXXX XXXX *Enclosed : I have attached proof from your recent advertisement which states that you wouldnt do a hard pull/inquiry which is why I initially applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by XXXX  XXXX. The company claimed that I owed for something I disputed with them. I have yet to receive any written communication from them. I have recently had negative hits on my credit report from XXXX XXXX. I have not been given the proper documentation and they are taking illegal action to place this on my credit report without going through the proper procedure of debt collection. 

Please have them provide physical evidence that I have a legal obligation to pay XXXX XXXX. That is exactly all I need. Please provide me with the name of a written agreement, signed contract with XXXX XXXX, the money owed, and license number. If they can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely 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 2023-01-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  # 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, 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
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:
These are unauthorized inquiries ( XXXX and XXXX XXXX ), which I have not approved or given written permission to furnish in 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 non-monetary relief
Consumer complaint received 2023-06-24
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:
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 ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Syn/Walmart account number XXXX is reporting to XXXX  that I owe  {$1100.00}. The problem is, I spoke to an agent at the bank and he could not give me the date of first delinquency. He mentioned the date the account was charged off as XX/XX/XXXX. According to his / their bank records they are saying the account should fall off the credit reporting agencies like XXXX, XXXX  and XXXX in seven years on XX/XX/XXXX. However, this is not valid if the " date of charge off '' is months or even a year from the very first date I was late and/or missed a payment and never did get caught up. Therefore, this account could fall of my credit report as early as NOW. The bank can not and will not give me the proper information of delinquency, thus reporting this account to XXXX, XXXX and XXXX as incorrect and making this account more damaging becasue it acts newer when trying to receive credit from business.

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