BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: MO
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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXE ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$83.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2015 Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO 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 2022-06-06
Company: EQUIFAX, 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:
I've contacted XXXXXXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX 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 XXXX5 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 2023-04-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Since before XXXX I have told XXXX Mortgage that XXXX  advised me that my sister XXXX XXXX XXXX did not pass the trial period on the alleged HAMP Modification done in XXXX that both XXXX  and Rushmore Loan Management Services on trying to force me to pay on. I asked Rushmore Loan Management Services to send me the payment history on the loan and they sent me the payment history that is attached from XXXX XXXX. While carefully reviewing it and comparing it to some of the original statements that I had from the original servicers many of the figures did not match. I emailed and called Rushmore requesting original statements and/or payment history from XXXX and XXXX. I have not received them yet. I called Rushmore this week and they stated that they have not received them yet and that they were still investigating. I also requested a modification document signed by XXXX XXXX ( by deceased XXXX brother ) who's name the servicers have on the alleged modification, I have not received it yet. In the meantime on XX/XX/XXXX I received certified mail at XXXXXXXX XXXX XXXX XXXX from Rushmore Loan Management Service for Intent to Foreclose. Rushmore has not yet corrected my name from a successor of interest to a borrower ( which I am ) even though I gave them the contact information that XXXX XXXX gave me to give to Rushmore, plus Rushmore has documents from XXXX to verify that I am a borrower. Also on XX/XX/XXXX I spoke with my sister XXXX XXXX XXXX who confirmed that she never paid any of the payments on the HAMP Modification because XXXX  never sent her the information where to send the payment to. She also stated that she received a letter stating that she no longer qualified for the modification because she did not pass the trail period. However, on this payment history that Rushmore sent me from XXXX is stating that my sister paid payments starting with XX/XX/XXXX. This is falsified information. She stated that she sent a check for over {$5000.00} later that was sent back to her. You will see a copy of it. Rushmore has been refusing to respond to any of my compliants stating that it is because of previous issue or pending litigation. They know that I have not been able to obtain an attorney yet and trying to push the foreclosure on a HAMP Modification that never passed the probation period. Also they are refusing to correct the loan, my name as a borrower and refusing assistance from me. All of this is illegal and I don't understand how they can deprived me of my rights as a borrower and not see the negligence involved in the handling for my deceased father 's loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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 according with the fair credit reporting act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 Accounts name XXXX XXXX XXXX  XXXX, accounts name XXXX XXXX XXXX XXXXXXXX, accounts name XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 section 602 a .state I have the right to privacy 15 u.s.c1681 sections 604 a section 2 it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( A ) ( 5 ) section state : 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 more than seven years 15 u.s.c 1681s 2 ( a ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Discover Finance Discover Credit Card company is pulling a soft inquiry every 2 or 3 days and it shows up on my credit report one after another after another. Literally 2 to 3 times a week. I am not interested in their financial services and have asked them to stop on numerous occasions. I feel as it is a harassment against me and my credit report. I realize it is not the same as a hard credit inquiry but they are doing it in excess.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been disputing incomplete and inaccurate information on my credit report for months XXXX XXXX XXXX has XXXX accounts which have not been reported properly or investigated properly. Please see attached letter and copy of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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 XXXX XXXX XXXX account number : XXXX - {$230.00}, XXXX, XXXX account number : XXXX - {$200.00}, XXXX XXXX XXXX account number : XXXX - {$280.00}XXXX XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX  XXXX account number : XXXX - {$65.00}, XXXX account number : XXXX, XXXX XXXX account number : XXXX - {$420.00}, XXXX XXXX  XXXX XXXX account number : XXXX, XXXX XXXX account number : 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 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 2022-03-04
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:
I have asked EXPERIAN ( report # XXXX ) and XXXX ( file # XXXX ) to verify an account reporting on my consumer report for errors by XXXX XXXX XXXX After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in two different times and written off amount are completely different. 

EXPERIAN claims this XXXX has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. Experian continues to update this account without correcting the error. 

For this XXXX account to be valid and continue to report, It needs to be the same across the board. Because EXPERIAN and XXXX have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing this complaint to dispute fraudulent information that appears on my XXXX, TransUnion and XXXX consumer reports. 

Fraudulent Inquiries on my TRANSUNION CREDIT REPORT : XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX BANK XXXX Bank ) XX/XX/XXXX Fraudulent Inquiries on my XXXX CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CITIZENXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2024-01-03
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 status incorrect

Complaint:
THIS ACCOUNT HAVE NO MONTHLY HISTORICAL DATA YET PLACED IN COLLECTION BY NOTE? WHEN DID THE ACCOUNT GO INTO " ALLEGED COLLECTION ''? WHERE IS THE MONTHLY INFORMATION? ACCORDING TO COMPLIANCE PROTOCOL YOU MUST DELETE IMMEDIATELY.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 initially opened this account with payment and high balance online I was told I would have a XXXX credit line in which was not true. 
I always paid on time not leaving balance I noticed once I removed the extra feature of product protection and inquired about introduction fee The level of customer service became aggressive and unprofessional. 
After inquiring about introduction fee of over XXXX dollars before card was ever used and the fact that it represented high balance on credit report I was placed into a situation where my account was in fact closed. 
My mother went into a medical emergency I needed to rent vehicle while renting a vehicle using XXXX XXXX through XXXX rental I received an alert stating my credit card had been closed out due to identity theft. In which I had no clue of what what going.

I was told to return vehicle causing me trouble and financial damage because this creditor excercised unlawful action against me and my credit profile.

I had to go through financial rejection and damages to the date.

Card was allegedly reissued to my knowledge I never received another card and did not have any knowledge of charges made because I couldnt place rental charges for vehicle on credit card and balances was indeed paid in full before card went into use and was closed. 
I show a high balance of XXXX dollars in which I did not create because credit card was not available to me for purchase purposes although looking in my records it shows it was closed it says afterwards high balance and charges from original Credit line was suspended with balance paid XXXX thru XX/XX/XXXX THIS A DELIBERATE ATTEMPT at destroying profile after requesting inappropriate fee return. 
My card was not used by me after date for rental car service in which they refused invoice. 
This is redundant and illegal because it reflects negative on report since XXXX until XX/XX/XXXX currently unfair charges on record. 
Back in XXXX spoke with comptroller and corporate representatives but was highly disregarded in my time of grief in which I felt compelled to resign from contact until I could recover from damage done!

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 2023-05-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been dealing with a foreclosure action on my residential home in New Jersey for over two years. I have lost my job, am on XXXX and in long term care due to XXXX. Despite my XXXX, over the past 12 months my family and I have worked with my Servicer, Select Portfolio Servicing XXXX Inc., ( SPS ) to try to complete a short sale workout. My goal is to resolve this negative litigation in a more favorable end result for myself and my wife that will mitigate the negative credit on our consumer records due to this litigation. 
In XXXX and XXXX of 2023, the Ocean County Sheriff in NJ, set a sale at the same time my Realtor and Short Sale negotiator, XXXX XXXX XXXX, had a short sale offer in place. SPS representatives advised my negotiator that they needed 37 calendar days ( prior to the sale date ) to review the short sale offer. I requested two sheriff sale adjournments and attained an adjournment totaling XXXX days before the sale, to allow SPS to review the package ( see the attached Sheriff Sale adjournment verification letter ). 
Despite being provided over 37 days to review the offer, SPS has refused our efforts and advised in a rejection letter that they would not review the package because " there is a sheriff sale scheduled '' ( see the attached denila letter from SPS ). Given that they advised that they would make a good faith effort to review the package and that they too are allowed up to 60 days of adjournments in New Jersey, it is my position that the rejection was not adequately supported by the facts nor their promises to fairly review the offer ; they have acted in bad faith, and that by doing so, their actions will have a negative impact on my family 's credit. I would like to have this reviewed with them as soon as possible in order to allow my family a chance to resolve this issue through a short sale loss mitigation option, to benefit my family 's future credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Account information incorrect

Complaint:
I received an emailed about my information being in the Equifax data breach so I pulled my credit reports including XXXX along with XXXX and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX XXXX XXXXXXXX : ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX ACCOUNT # : XXXX [ NO ACCOUNT NAME ] : ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation