BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I fell behind in the mortgage I was told there wasn't anything I could do due to the mortgage was in my deceased husbands name and the deed was in my name. A finally talked to someone and they suggested I could assume the assume but that I would have to pay the entire back money. I gave up. Once it went into foreclosure status I was told that it qualified for a modification and the arrears would go on the back of the loan. I sent financial packets in and every time, they stated I was missing something ( pages 9-15, out of 15 pages plus attachments. The last packet I added my daughte, being a financial responsible individual in the house and the person taking responsibility for the house. Again they said you didnt have a pay stub and its within the 37 days and the sald is scheduled. The original packet was in on time and it was denied lacking a pay stub. The house sold at sheriff sale and Pennsylvania doesn't have a redemption period. I reviewed my statement sent via email. The home was purchased in 2001 for {$60000.00}. They show I owe {$58000.00} in principle and a total of {$100000.00}. I called XX/XX/XXXX to ask for a last minute miracle and the representative stated if I called XXXX, they could have modified the loan advising I needed XXXX hours. It was Friday the sale was Tuesday and this contridicts the 37 day rule. I am hoping that some miracle and since the bank bought it back I can reinstate the mortgage with assistance. The house needs to be signed over to my daughter, it is the last personal thing she has from her father.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: DISCOVER BANK
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
There was an ongoing dispute with Discover about a {$500.00} charge on my account for almost two years. I paid the account while it was in dispute then Discover repeatedly removed and put back the charge for two years. During this time they added multiple late fees and interest charges to this charge, even though they claim they don't do that to disputed charges. I requested my account be closed and they owed me money since I had overpaid for everything while it was in dispute. However they never sent me any money. 

Finally in XX/XX/XXXXXXXX  they agree that the charge was fraudulent and sent me a notice saying so, several months after my account was closed and they never sent me a ) refund check for the overpayment b ) my cash back rewards. Since my account was closed I could not log in to check my overpayment status and when I called they could not give me any information and told me someone would call me back and they never did. 

Today XX/XX/XXXX they decided to list my account as a charge off on the credit bureau even though I have had a negative balance for the last 7 months as they owed me money. Now they are saying I have a {$10.00} past due balance even though they still owe me money. The transactions listed are late fees that should have been removed and it looks like they used my cash back rewards without my consent to go to any fees for late fees and whatever bogus transactions they added to my account. The current transactions listed for 6 months ago do NOT match the old transactions. 

THIS ACCOUNT WAS IN PERFECT STANDING. IT IS NOT A CHARGE OFF. DISCOVER OWED ME MONEY AND ADDED LATE FEES AND INTEREST TO A BOGUS CHARGE FOR MONTHS, REFUSING TO INVESTIGATE THE FAKE CHARGE. THIS IS DISCOVER 'S DESPERATE ATTEMPT TO MAKE MONEY OFF SOMEONE WHO NEVER PAID LATE OR CARRIED A BALANCE IN THEIR ENTIRE LIFE. NOW THEY ARE STILL TRYING TO MAKE MY ACCOUNT LOOK BAD. 

Please investigate this and have Discover correct the account and send me my check. 

Please be advised THIS WAS THE THIRD FAKE CHARGE TO MY ACCOUNT WITHINT ONE YEAR and Discover also refused to investigate the first two, forcing me to pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original amount was XXXX and when I contacted the company and as could they sent me a letter showing how it went to XXXX they refused. I also wanted to work out a settlement but only want the inaccurate amount.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
While looking at my credit reports I have noticed the following account had a discrepancy in the " account status '' section of. the listing : XXXX XXXX XXXX ( XXXX XXXX  ) - XXXX XXXX Is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " open '' account. 
Because of this apparent neglect in assuring everything In my report is accurate, consistent and up to date pleaso " DELETE '' this Item immediately : XXXX XXXX XXXX ( XXXX XXXX  ) - XXXX When the requested above deletions are made, please mail me an updated copy of 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 2023-12-26
Company: Reliable Credit Association, Inc.
State: OR
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:
A year and a few months ago I lost XXXX all my credentials, Ive been working on getting them back. I recently viewed my credit and see unauthorized inquiries

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
State: MI
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:
In XX/XX/XXXX and XXXX I went and I applied for my XXXX XXXX XXXX XXXX early tax refund. I was denied due to Experian saying I had an open bankruptcie. I then got a hold of Experian I do not know who I talk to because I could not understand his or hers name just like today when I talk to them I did not understand the second guys name. The first one I talked to was XXXX, but he sent me to some one else. last year I had to fax over proof and I mailed it in to Experian that the bankruptcy was closed from XXXX I proved it was closed they took care of it because I was able to go back to XXXX XXXX XXXX  XXXX and get the early refund. This year today XX/XX/XXXX I went to go get the early refund again to be able to fix my vehicle. Yet again because of Experian saying that the bankruptcy is still open from XXXX even though I've sent them the paperwork stating that it was closed I got denied again for the same reason. today XX/XX/XXXX I called Experian and I started off talking with a gentleman named XXXX who forwarded my call to somebody else who was supposed to be able to take care of it right away for me I could not understand the man 's name. he said I would have to wait 30 to 45 days for them to fix what they failed to fix last year even though I emailed them and uploaded the documentation stating that it was closed and it needed to be changed on my credit report. I then asked him how I can make a complaint to Experian about whoever dealt with my stuff last year the guy then proceeded to tell me I needed to get an attorney and go to court to make a complaint about them. I have dealt with this issue and they have the proof. I'm being denied credit due to this fact. and I don't feel I need to wait another 30 to 45 days for something they should have fixed over a year ago.

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 2023-12-26
Company: Atlanticus Services Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wife received a letter in the mail pertaining to fortiva credit and she contacted them they asked for documentation in regards to my wife 's statement that there was identity theft on my credit as well as hers her info was leaked from one of the credit Bureau and mine through a company I applied at for employment and received a notice which was sent along with the item which provided info leaked such as name, since, address, phone, dob my wife and I have never spoke to company before calls came in but they constantly call and make assumptions that my wife and or myself opened cards with said company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 requested on XXXX XXXX to have the address listed and incorrect names on my credit report to be removed. The following credit bureaus did not respond to my request. I told them that the information did not belong to be and I have no association with those addresses.

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 2023-12-26
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
1. I opened a Netspend debit card in XX/XX/XXXX. My husband and have a XXXX XXXX  joint account and I funded the debit card with our XXXX XXXX  debit card in four different amount of {$100.00}, {$300.00}, {$700.00}, and {$1000.00}, totally {$2100.00}. 

2. OnXXXX, we called Netspend debit card to close the account. The Netspend told us we would received the refund check in 3 weeks. 

3. On XX/XX/XXXX, we didn't receive the check and call Netspend. Netspend said we had to provide 2 photo IDs and 1 prove of residency to get the refund. 

4. We submitted the needed document to Netspend on XX/XX/XXXX. 

5. OnXXXX, We received a check dated XX/XX/XXXX from Netspend in the amount of {$120.00} for the earned interest but didn't receive the initial deposited {$2100.00}. 

6. On XX/XX/XXXX, we called Netspend and they said the money was sent to our XXXX XXXX. They also provided four 12-digit confirmation numbers. We contacted XXXX XXXX in person. The XXXX banker and debit card department said they didn't receive the money. 

7. On XX/XX/XXXX, we called Netspend again and they said they already mailed a refund check and we should receive it byXXXX. 

8. On XX/XX/XXXX, we still didn't receive the check and we called Netspend again. This time, they gave another four 10-digit confirmation numbers saying the money was sent to our XXXX XXXX  . 

9. on XX/XX/XXXX, we contacted the XXXX  XXXX  in person again. The XXXX  banker and debit card department researched again and told us they didn't receive the money and they were no attempts to send the money to our XXXX XXXX  debit card account. 

10. In summary, we closed our Netspend debit card but didn't received the {$2100.00}. The Netspend told us different stories every time, either they sent the money back to our bank or sent us a check but we have never received the money.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Inquiries on credit report that I am unaware of or did not approve. I submitted my report Identitytheft.gov.

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 2023-09-29
Company: EQUIFAX, INC.
State: WI
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:
I am stressed and displeased that I see so many fraudulent items on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Filed dispute letter XX/XX/XXXX and XX/XX/XXXX for verification documentation and accuracy of this account and have not receive requested documents, per, Section 609. Spoke with collection agent from Resurgent Capital Services/LNVN and XXXX XXXX XXXX  agents on XX/XX/XXXX and was verbally informed that I have no account with XXXX XXXX XXXX, and XXXX XXXX XXXX  were not able to find my information with them nor provide any evidentiary documentation for accuracy and verification. I requested to have this information removed from credit report. And the customer service agent was very rude and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$160.00} XXXX XXXX / XXXX / {$550.00} XXXX XXXX/ XXXX / {$440.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2023-04-01
Company: Experian Information Solutions Inc.
State: KY
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 inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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.

Did I give you written instructions to furnish utilization on my consumer report?

Did I give you written instructions to furnish a balance on my consumer report?

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
In according with the Fair Credit Reporting act XXXX, Account name- XXXX  XXXXXXXX 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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