BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: CARMEL FINANCIAL CORPORATION, INC.
State: NJ
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:
Whom It May Concern, I have sent multiple dispute letters in regards to the following unauthorized Hard inquiries found on my credit report. These are fraudulent and need to be removed from my credit report. According to FCRA these should be removed As soon as possible. 
Carmel Finan received the last dispute letter on XX/XX/20 reporting to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am the victim of identity theft. The creditors who have contacted me about this use Experian as their source for credit reference. I have attempted to contact Experian several times so as to freeze my small business credit. No one answers. NO matter what option is selected.It is an endless loop of instructions and alternate numbers to call, and each nuymber called does the same thing.They avoid ALL direct, human interaction.The long and drawn-out message merely says write them a physical letter which includes copies of all of my personal and private information that I am attempting to protect including SSN, DOB, copy of drivers license, and more. Then it just hangs up without further option.This is nonsense!

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion and XXXX  continuously ignore requests to add my current legal name to my credit reports. On XX/XX/XXXX, I had my legal name changed via a court order. I furthermore currently have a XXXX credit card under my new legal name ( I had this account prior to my name change, but have since updated my account information with XXXX ). Despite this, TransUnion and XXXX  still only list my former legal name. This makes it difficult, if not impossible, for me to create new accounts at most financial institutions despite otherwise meeting any other requirements. 

I realized that only my former legal name was listed on my credit reports at the beginning of this year ( XXXX ) as I attempted to open a new bank account online and was denied due to the discrepancy between the name listed on my personal identification and the name listed on my credit reports. 

I mailed TransUnion, XXXX, and XXXX  letters requesting they update my legal name in their reports, as well as notarized copies of the court order for my legal name change and copies of my driver 's license and social security card, both of which reflect my current legal name. TransUnion refused to acknowledge my requests at all. XXXX  mailed me a letter ( dated XX/XX/XXXX ) claiming they would update my personal information, yet as of my XX/XX/XXXX report, only my former legal name is listed. XXXX  mailed me a letter stating they could not find any credit information in their database from my information, which I believe is simply due to my small credit history and thus I am less concerned about them.

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 2019-08-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm attempting to get on the loan of my mother that passed. And the bank is not allowing that. I have sent in all requested docs. At one point they were accepting my payments then stopped saying only the person whos name is on the loan can send in a payment. I have sent in the requested docs more than 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS is attempting foreclose on my home a fraudulent robo signed assignment. The assignment was created after the cut off date of the pooling and services agreement filed with the U.S. Securities Exchange.I also revoke the power of attorney that XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX has. I have sent 2 QWRS and a debt validation letters. I submitted a complaint on XX/XX/XXXX, and they still have my home in foreclosure

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 2023-01-17
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:
Equifax is reporting a problematic account on my credit report. They did not possibly do a complete, accurate and throughout investigation. They never provided the method of verification or anything for the problem i have. They are violation the FCRA openly. This has caused severe emotional damage causing me to miss out on credit opportunities i deserve. I'm asking CFPB for help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Credit Karma, LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit Karma has not updated my XXXX credit score since XX/XX/2023. 

I have had many accounts deleted or paid in full, as well as credit card balances paid down and need my score to update so I know where my credit health stands as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-10-13
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company in question : RMP, holds a debt from XXXX XXXX XXXX  I started sending them letters in XXXX of XXXX, to attempt to settle the debt. Instead of answering the letters I sent, or even trying to work out an arrangement, the put it on my credit reports! I have sent them 4 letters between XX/XX/XXXX and XX/XX/XXXX to try and work out a settlement agreement and get this bill taken care of. The refuse to acknowledge even my letters sent to them! Now my credit IS affected and they refuse to do anything about it! 
Original amount of claim was {$420.00} XXXX  # XXXX my settlement offer which was never acknowledged was {$100.00}. I asked that this be accepted to pay this debt off and have the information REMOVED from my credit files! They have only ignored me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$1200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$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 2019-08-19
Company: Leap Credit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2019, an authorized amount of {$600.00} was deposited by Leap Credit into my checking account. I looked at my emails and found a message from Leap Credit saying that my loan request had been accepted - that I should login to sign the agreement and that I should complete the bank verification to complete the loan. I did not sign an agreement and I did not complete the bank verification. I went to their website - I was able to login with my email account and social security number. I found a contract ( it says Request ) in their system with my name ; however, it had incorrect information on the request pertaining to my birth date, pay dates, etc. I contacted Leap Credit by phone and email telling them I did not take out a loan with them. I also looked them up online - finding various nightmare situations where Leap had deposited money into people 's accounts without their authorization. I immediately contacted my bank, filled out a Written Statement of Unauthorized Debit and had the money returned. The transaction was reversed and the amount returned to Leap Credit on XX/XX/2019. I have been going back and forth with LC and have provided all my bank documentation ; however, they still say I owe on the loan and that they never received the money back. I don't know what else to do. Please help! I have documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: MD
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 sent a letter to all XXXX credit bureaus on XX/XX/ updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Square Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank put in a dispute for the wrong charge. My bank closed the dispute. XXXX was taken from the merchants account and never refunded to me. Its been over 90 days and neither the merchant nor myself has the XXXX. Ive contacted my bank several times and emailed cash app several times. Cash app has only sent me generic messages and NO ONE has investigated this or provided any answers. Cash app still has the funds and has yet to release it back to me or the merchant. See dates below Initial dispute placed on the wrong transaction by XXXX  XXXX XXXX XX/XX/2020 Transaction has been disputed with the merchants bank - XX/XX/2020 Claim has been withdrawn by me - XX/XX/2020 Money taken out the merchant account by cash app XX/XX/2020 Contacted XXXX XXXX XXXX who indicated they never received the money and don't have. Emailed Cash App Support XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 My bank has indicated they've sent cash app several communications indicating to release the funds back to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: BB&T CORPORATION
State: UT
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:
Regional Acceptance #XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.

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 2023-04-26
Company: EQUIFAX, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Diversified Consultants, Inc.
State: UT
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:
Diversified Consultants is reporting on my credit report and attempting to collect a debt that I do not owe. Also I never received a notice for this either, I just saw it show up on my credit report. 
It says it is for XXXX but I do not owe XXXX. They came and picked up the Equipment on XX/XX/18, XXXX was the representative. I also made my last payment with him that day because he pulled it up and told me my final bill. His number is XXXX. XXXX has been paid and this debt is erroneously reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  ( Report # XXXX ) RE : JPMCB Card # XXXX I am demanding a validation of the alleged debt from your agency in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how you calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed, cashed checks used for bill payments, and identification or the original creditor including the accurate contact information. 

I demand an affidavit form to be sign and notarize by a senior executive verifying that upon your investigation the certified debt belong to me. In pursuant of 15 US Code 1692g ( 4 ) I demand verification of the debt and copy of such verification to be mailed to the consumer. I demand verification of all relevant information and any documents your agency retrieve from the creditor. I demand to know how can your verify a debt is accurate for a consumer? I demand a copy of your investigation report placed in my credit report and credit file. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages Under the Fair Credit Report Act. Your credit report and file contains inaccurate information as a result of fraud. Unverifiable information must be removed immediately. Also, the credit bureaus shall refrain from adverse reactions such as decreasing credit scores 32 points as a form to intimidate, strong-arm, and taunt a consumer. Credit bureau shall refrain from adverse reactions against the consumer for disputing inaccurate information. I demand that my credit score be restore to 680.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

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 2021-01-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi Ive sent XXXX XXXX  and equifix 4 dispute letters stating unverified items and inquiries listed under my report dispute SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 My Profile has been and currently under Litigation and after over 4 months going on 5 Ive yet got any letter or any copy of the original creditors documentation on file to verify that any of this negative information is mine and is correct. They have failed to provide correct verification and Ive stated to them to respectfully deleted these information off my consumer file and it has been over 4 months and no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/2020 I received an automated call from TCF Bank warning my account is at risk of, or had already gone dormant. I logged into the the account and saw four dormant account charges for {$10.00} each : XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I initiated a transfer from another bank to move money into TCF to remedy this situation. 

Additionally, I called TCF and asked why I am receiving a call about this only now and why not months ago when this first occurred. My phone number hadn't changed in years so there's no issue with that. The phone rep said she couldn't see three of the four charges and therefore couldn't submit a request to refund them. She suggested I visit a branch about it. I visited a TCF branch near my home on XX/XX/XXXX ( Branch address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) The teller there couldn't find 3 of the 4 charges either. He showed me the charge from XXXX, and said there were no others. They told me they couldn't refund these, and the likely cause of the other three charges not appearing was due to their merger with Chemical Bank. 

On XX/XX/XXXX, I received another similar automated call despite my account now being " open '' status. I called customer service again at XXXX. She also couldn't find the three of the four charges, and couldn't explain why I'm only getting these calls now. She also told me I should have received a letter about this, but upon checking there was no record of one ever being sent. She told me she couldn't submit a request to refund these since only one is visible, which is understandable from her point of view. But that leaves me with no recourse. She suggested I go back to the branch but that seems pointless considering I had already did this.

Company response to consumer: Closed with monetary relief