BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Obtained a conventional mortgage through XXXX in XXXX of XXXX, Mortgage then went to XXXX XXXX XXXX then from XXXX to XXXX XXXX. 

While at XXXX, I applied and my mortgage was modified by the HAMP modification program ( unsure of date ). Loan was then transferred to Rushmore Loan Management in XXXX of XXXX. 

According to my original loan documents my PMI was scheduled to terminate in XXXX of XXXX. I inquired with Rushmore Loan Management, about PMI termination. During an online chat on Rushmore 's website I was given a PMI termination date of XX/XX/XXXX and was advised to submit a request to the PMI department through Rushmore 's online message center, I did and then received a letter, by mail, denying PMI termination dated XX/XX/XXXX. Reasons listed in the PMI denial letter : " It must be at least two years since the origination of your loan '' and " based on the recent appraisal ... XXXX '' while the last sentence reads " We have been unable to contact you to schedule and/or perform and appraisal of your property '' My complaint is that my original loan documents should take precedent and that my PMI " drop dead '' termination date can not be pushed back due to the HAMP modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: PA
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:
Please remove these accounts immediately.. They should not be on my report. This is fraud. I have proof of fraud. I've already sent it to all bureaus with no changes. I dont know what the issue is but remove it immediately because the credit bureaus are supporting fraud!!!! 

XXXX XXXX Opened Date XX/XX/XXXX Balance {$770.00} XXXX XXXX XXXX   Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4700.00} XXXX Opened Date XX/XX/XXXX Balance {$6500.00} XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I redeemed my EARNED rewards with Comenity Bank on XX/XX/2022 and XX/XX/2022 with the direction to direct deposit to my bank account. I received XXXX separate e-mail confirmations regarding the transaction and NEVER received the deposits from Comenity Bank. I have called - spoken to half a dozen people - service account Managers, customer service representatives, senior account specialists - you name it. I have written e-mails and letters through the mail to resolve this and get my money. They have told me they have filed a DISPUTE. IT'S *NOT* A DISPUTE - IT'S *MY* MONEY!!! They said it could take up to XXXX days to resolve!! All they have to do is look in their records and see that it was not completed and initiate it. THIS IS OUTRAGEOUS. Please see attachments for the email confirmations. this has been going on for MONTHS now. No one will help me and resolve it immediately- they say I have to wait until the " dispute '' is resolved. They can certainly take my money or charge something within seconds on my account, but they can not rectify my EARNED rewards. 
XXXX. XX/XX/2022 - rewards redeemed : {$660.00} XXXX. XX/XX/2022 - rewards redeemed : {$130.00} Comenity Bank has STOLEN my money, and refuses to look into this in a timely manner and see that they did not fulfill their contractual obligation. 

If for some reason, the attachments I attached do not download correctly, I have them - I have them in XXXX format and hard copies. I have all proof of transactions I made and that Comenity Bank did not fulfill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of XXXX ( XXXX ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

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 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive recently went to two dealerships to obtain an auto loan. 

Both places ran my credit through a total of 20-23 companies/hard inquiries. 

Transunion and their XXXX Score ( they developed ) are treating every inquiry as a separate one ; not as one inquiry within the 30 day reporting period. 

Additionally, I called Tu and they told me well other things are your report caused this when in fact, thats not possible. Two negative accounts were actually removed from my account in this same period. Not one other reporting agency, whether FICO of XXXX, has counted each of these inquiries individually. 

My score. My XXXX XXXX TRANSUNION score dropped XXXX points in a day! Ha! They docked me 5 points per inquiry instead of just ONE. 

If this affects my ability to get credit I intend to sue Transunion and any agency or third party in charge of oversight and compliance of Transunion. This needs to be fixed at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX I XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-03-13
Company: EQUIFAX, 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:
I XXXX XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-04-20
Company: Experian Information Solutions 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:
There is some information that's on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block the information is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of factory me relevant to the request block the identified transactions.The identified transactions are not information related to any transactions by me as the consumer. 


See Attachment

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 2020-06-18
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to XXXX Visa credit card ( XXXX XXXX XXXX. XXXX   XXXX XXXX, NE XXXX ) in the amount of {$2500.00} utilizing XXXX XXXX, check # XXXX. check was written on XX/XX/2020 to FNB OMAHA XXXX XXXX XXXX NE XXXXand cashed on XX/XX/2020. This amount was NOT credited to my XXXX Visa account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. A copy of this cashed check ( front and back ) was faxed to XXXX Visa FAX # XXXX on XXXX and AGAIN on XXXX. I called XXXX Visa on XXXX and XXXX and tried to talk to a supervisor or the accounting Department and was denied. At this time I'm being charged interest on the {$2500.00} and was informed this would not happen when I spoke with a XXXX Visa represetitive on XXXX My XXXX Visa Acount is under the name XXXX XXXX XXXX XXXX  may have put my name as XXXX XXXX XXXX Visa was told about this but XXXX XXXX had all of my account iformation correct, they have cashed the check and will not credit my account, I re-financed my house to pay off this credit card and several other things so that $ $ $ was meant to pay off the card. 

PLEASE HELP 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 monetary relief
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-11-07
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got approved for an sba loan for one of my companies, since my business account was unable to be verified, I had the money deposited into a personal navy federal account that I share with my my partner. Navy federal froze the account and all the funds and now we are in a very bad spot. I was transferred to security department and they would not help me and were actually pretty rude. I was told that someone would reach out to me in 3-5 business days but what am I supposed to do until then?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2021-09-02
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original complaint # XXXX-XXXX. I have recently discovered so much new information, that I am making a new complaint. 
On XXXX XX/XX/XXXX, I received a notice from my employer that the were garnishing my wages for a debt judged in State of Michigan XXXX judicial District Court, Judge XXXX XXXX. The Attorney is XXXX XXXX of Weinberg, Weinberg and Reis. The case # is XXXX. There was a default judgement to garnish my wages for the amount of {$3600.00}. 
I found out today, from the Court Clerk, that they claim that I was served, by alternate measures. The clerk told me the I was served by 1st class mail on XXXX XX/XX/XXXX, and that it posted XXXX XX/XX/XXXX. The address was XXXX XXXX XXXX, XXXX, XXXX. This is an address that I briefly stayed at over 15 years ago, with a girlfriend. It was her address. I don't know that this would be considered a residence, even when I did stay there. I have not even been to this address in over 15 years. In XXXX I moved to XXXX, XXXX. In XXXX I moved to XXXX, XXXX. I can easily prove that I was working at XXXX  XXXX XXXX through the dates involved in service, with no vacation. XXXX, XXXX  is XXXX miles away. 
The court case was for a XXXX XXXX that I did not have. I have never had a XXXX XXXX. I think this may be identity theft by my estranged wife. I have no details yet ; but, I believe the address where the card was opened, was XXXX, XXXX. Why would I live in XXXX ; then move back to a location that I briefly lived in 15 years ago. 
The Attorney tricked the court to get a default judgement on a case they couldn't win. They had used this address, and this type of service to evade liabilities under 15 USC subchapter V 1692i. I am sure nobody went to that address to attempt service. Had they done this, the residents would not know me. I also believe that they used this address to get the judgement in a limited jurisdiction court, that was friendly with them. The distance would make it nearly impossible for me to address the court or defend my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Transform Credit Inc.
State: NH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX loan, cosigned by my mother. My ex boyfriend managed to tap into the pay out. Im On an unpaid status with XXXX XXXXXXXX XXXX living in low income housing. Im A veteran with XXXX student loan debt. I need assistance

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
In XX/XX/XXXX I filed for Bankruptcy. In XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I  have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : TransUnion, XXXX and XXXX. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.

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 2020-11-07
Company: LoanCare, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS

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