BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there is late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. Kindly correct this account : XXXX XXXX XXXX : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/XXXX, over six months ago, I XXXX XXXX XXXX have file disputes on several incorrect accounts on my credit report. XXXX, Experian, and XXXX, I do not feel that there was a proper investigation done or attempted on these credit files and these negative items continue to be on my credit report due to fraud. 

XX/XX/XXXX, amounts XXXX, XXXX XXXX XX/XX/XXXX, amounts XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXXXXXX 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 2022-04-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I took a 2 year promotional balance for a XXXX on an XXXX credit card.My understanding was that XXXX was supposed to split the payments equally, to be paid off in 2 years. However, after 2 years, I owed {$1000.00} and they charged me an additional {$1000.00}, and I now owe {$2000.00}, doubling the final balance that I owe. XXXX did not contact me to notify me that the promotion was ending. When I called multiple times to request if I could pay the final {$1000.00} and be done with the account, they refused. They were not transparent with their terms, did not split the payments equally and did not contact me to to notify me that my account balance would double. XXXX is a scam and I will never do business with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
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 2023-06-27
Company: Experian Information Solutions Inc.
State: VA
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 tirelessly disputed the XXXX inaccurate bankruptcies to no avail thus far with Experian. Consequently it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, US Bankruptcy Court, XXXX, XXXX, and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.

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 2021-11-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a security instrument was given to HUD ( via XXXX XXXX XXXX ) in connection to my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The security deed was previously serviced by XXXX on behalf of HUD until it was transferred to Rushmore Loan Management Services as evidenced by a letter dated XX/XX/XXXX. In XXXX, I corresponded with Rushmore Loan Management Services in order to secure a payoff of the primary loan and any subordinate instruments associated with my home. I was given a figure and paid that amount. Until XXXX of XXXX, I took for granted that RLMS had sent XXXX release paperwork to my XXXX. Upon my attorney 's research into the title, it was discovered that the smaller security deed was never released, although RLMS shows the balance on that instrument to be XXXX. In XXXX of XXXX I began to inquire about a resolution with RLMS. The result has been disastrous. RLMS has not been responsible in following up with me on this matter which has been unresolved for almost two months. The latest information they disclosed to me is that they have sent some unidentified information to HUD and that HUD responded with unidentified questions for RLMS. I can not get a clear answer to my inquiry. In the meantime, {$4400.00} is being held in limbo during a home sale process. This is money that I need and can not access. I filed a complaint with HUD and am now doing so with you. I can not reach HUD to inquire and am left thinking that something is amiss with RLMS. I have no recourse of action as RLMS will not connect me with their lien release department, nor will they connect me with someone who can answer my questions. The original XXXX case XXXX on the instrument is XXXX ( this is a Georgia subordinate security deed : HUD instrument XXXX. The number XXXX assigned to the deed was XXXX. The loan number that RLMS assigned is XXXX. I need some pressure to be applied to RLMS to reveal what is really going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XX/XX/XXXX XXXX and TransUnion were sent disputes via Certified Mail ( see attached ). In dispute were the following inquires : 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 XX/XX/XXXX TransUnion - XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXI - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX According to Law 15 U.S.C. 1681-1681x and FCRA 623 ( b ) ( 1 ) as well as Furnisher Rule 660.4 ( a ) these inquires should have been remove within a strict time frame. It has now been 117 days without action or notice.

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 2023-02-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorect information on 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2022-03-11
Company: Monarch Recovery Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A place of harassment by the name of Monarch Recovery keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe Monarch/XXXX  XXXX XXXX ANYTHING and I am tired of the harassing calls and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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

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 2023-06-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The dates are XXXX they were a lot of fraudulent transactions on my account I made the bank aware they hurried to close the claim cause I had just put money in the bank an they where no help ask them to check footage an I file claim deposit an withdrawal an they wouldnt help even faxed over paperwork proven I was not there at the time still no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -what to write -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX Account name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call 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 2021-05-10
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Ive recently become 100 % XXXX through the VA and thus qualify in my county for 100 % XXXX veteran homestead exemption. Ive confirmed this exemption with my local appraisal district and submitted a form from them to my loan care who is my mortgage servicer. However the refuse to except anything other than a tax bill which wont be available to my until around XXXX. My local appraisal district said that most mortgage companies will verify by calling them or checking their website since they have the most current property tax information. However like I said my loan care is telling me they wont except anything other than a tax bill from the county tax office. I feel that its not right for them to force me to pay money that I dont owe for nothing other than their laziness. Its currently XXXX and I wont have a Tax bill available until XXXX. Although I eventually will get all that money refunded I shouldnt have to wait months for them to verify this simple situation.

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 2021-05-10
Company: EQUIFAX, 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 recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to Equifax XXXX  and XXXX  and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-10
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 recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to XXXX  transunion and XXXX  and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license

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 2023-01-20
Company: Tenaglia & Hunt, PA
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
During the pandemic when millions of us lost our jobs in XX/XX/XXXX, I was XXXX of those people. Due to the amount of money finally disbursed, it was not enough to catch up on debts owed. During this time frame, ALL of my creditor except XXXX XXXX  ( XXXX XXXX ), assisted me in paying all of my debts. XXXX stopped communicating with me in XXXX of XXXX. I have attempted on several occasions to contact and pay my balance. XXXX locked my account rather than assisting me with resolving my balance owed. As of XX/XX/XXXX I was served a warrant of Debt by XXXX  through their collection firm XXXX XXXX XXXX and a court date of XX/XX/XXXX suing me after I have made repeated attempts to contact XXXX  and settle the matter. We were in the middle of a pandemic and shutdown by the State government. I am ready and able to resolve the matter with XXXX, through XXXX. I have paid off ALL of my other debts due to the pandemic, why would I not do so with XXXX final creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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