BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
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 am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I need to report EQUIFAX for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently obtained a copy of my credit report and was disappointed to discover that my right to privacy has been violated. I did not give you permission to report any non-public personal information without my written consent, nor did I authorize any financial institution or third-party collection agency to obtain such information. In addition to the violation of my privacy, I noticed that there are negative accounts listed on my credit report that I do not recognize. These accounts have caused significant damage to my credit score and I request that they be thoroughly investigated. As per the provisions of 15 U.S. Code 6802, regarding the obligations for disclosures of personal information, a non-affiliated third party that receives information from a financial institution is prohibited from disclosing such information to any other non-affiliated third party, unless such disclosure is legally permitted if made directly by the financial institution. I strongly object to any third party obtaining my non-public information without my knowledge or consent. The Fair Credit Reporting Act ( FCRA ) was enacted to safeguard confidential information on consumers ' credit reports and to protect against misuse, fraud, and theft. The FCRA grants consumers the right to ensure the accuracy and privacy of the information on their credit reports. 
In accordance with 15 U.S. Code 1681 a, any report regarding a credit extension request made by a third party must be conveyed to the consumer and include the name and address of the person to whom the request was made. The third party must also comply with the disclosure requirements as stated in 15 U.S. Code 1681m. Due to the breach of my privacy and the inaccuracies on my credit report, I request that the following items listed below in red be deleted immediately : Accounts : XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 2023-02-11
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy 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 explanation
Consumer complaint received 2021-02-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a declaration of notice of trespass upon private property and unalienable rights. These individuals have cause extraordinary inconveniences and emotional distress and financial difficulties. We have been threaten with cruel and unusual punishment by these individuals in their privacy capacity against i the living man. Our property has been wrongly label as a commercial property. These individuals have no standing too even bring such claims. We demand remedy immediately. The county record is self explanatory of our sole ownership and control of said property which is held in a private trust not within the us. We have given these tresspasser of law many chances in good faith to avoid ligation and provide remedy. In good faith we have provided communications over the last 3 years which we have been victims of fraudulent conduct and malicious intent. Thank you in advance for your time and energy we will assume you will obey the law and uphold your obligations and duties Name : XXXX XXXX On behalf of Company : Rushmore Loan Management Services LLC. 
Fax Number : XXXX Date : XX/XX/2019 # of Pages : 8 ( including cover sheet ) FROM : Name : XXXX, XXXX XXXX. 
Contact Address : XXXX XXXX  XXXX XXXX XXXX, MA XXXX XXXX ] Subject : DEFAULT JUDGEMENT URGENT : STOLEN FORGED DOCUMENT Message : Please see the attached documents. A copy of this documentation has been sent via registered mail ( Tracking No. XXXX ) with return receipt requested. A copy was also sent to XXXX XXXXXXXX XXXX  XXXX XXXX by registered mail XXXX XXXX No. XXXX ) with return receipt requested. This communication is being sent via fax as a courtesy to ensure prompt delivery. 

A release of lien and a reconveyance to XXXX, XXXX XXXX as holder in due course is required by law for the property. Please forward this communication to XXXX XXXXXXXX XXXX XXXXXXXX as they are required to provide the form for reconveyance Provide the certificate or the equivalent of the release of fraudulent lien immediately by mail to XXXX XXXX  XXXX XXXX, XXXX MA XXXX XXXX ] within 30 days. Failure to comply will result in criminal charges, complicity to fraud and liability for damages under state, federal, and international law. 



CC : Consumer Financial Protection Bureau CC : ATTN : XXXX XXXX XXXX XXXX XXXX 

Fax Number : XXXX Fax Number : XXXX Ref ID # XXXX File # XXXX THAT the REQUEST FOR DEBT VALIDATION was re sent via certified mail on XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ), and a NOTICE OF ADVERSE CLAIM was sent XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ). Finally, a NOTICE OF DEFAULT was sent XX/XX/2019 to Rushmore Loan Servicing LLC ( cert mail # XXXX, return receipt # XXXX ) and to XXXXXXXX XXXX XXXX XXXX  ( cert mail # XXXX, return receipt # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
In accordance with the Fair Credit Reporting act XXXX Account # ending 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX there was an advertisement on XXXX from a woman with username XXXX  She was teaching a class about finance. Her website was XXXX. I clicked on her ad and she said the class would cost XXXX. I sent the money to XXXX. After I sent her XXXX she said I needed to pay XXXX  for some mining fee. I sent the remaining to a XXXX. I realized I was being scammed when she kept asking for more money and fees. The website she uses doesn't even work and I was never given any materials to study. She completely lied about her class and scammed me. I reached out to chase fraud department and they did absolutely nothing for me. I been a loyal customer of chase for a very long time. I even paid off an entire mortgage using Chase bank and they dismissed everything. I reported my case to the Texas attorney general after chase wouldn't help me. Next I'll report to the local police department. Please help me get my XXXX back. I was totally scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called and tried to pay this amount that is showing on my credit but when I log in it shows my balance is {$0.00}. They won't remove this from my report and it doesn't show I have an outstanding balance when I log into my account, they continue to harass me about a payment that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent all three consumer reporting agencies a letter asking to investigate certain accounts on my consumer report. I received the results from the investigation from XXXX and TransUnion, and they failed to provide me with the contact information of the individuals they spoke with to get this information. Also, the accounts I highlighted can not be verified as I have no contract with these companies. Three companies in particular, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX all have acquired my personal and private identification information without my consent. Not only did they take my information, they CREATED ACCOUNTS with my information just to harass me with claims of owing an alleged debt. That is IDENTITY THEFT. 

Pursuant to the FCRA, any consumer reporting agency may furnish a consumer report in accordance WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. I NEVER, EVER gave ANYONE consent to take my information and do whatever with it, just for their benefit. So how and where are these people getting my information from if I never gave it to them in the first place?? The FCRA also states that consumer reporting agencies shall disclose to the consumer the identity of the person they spoke with. That includes the name, phone number, and address. However, that information was not disclosed to me, instead they have it as " Verified '' on my consumer report, with no evidence behind it. 

Why do I have to verify my identity when it comes to MY information, that I NEVER even gave ANYONE consent to have in the first place?? You can't even identify someone over the phone or mail! But for some reason, there is no verification when it comes to them putting false information on MY consumer report, when in fact the LAW says it shall be. I'm tired of the fraudulent and deceptive practices. It's harassment and abuse, and needs to cease immediately. 

I am giving the consumer reporting agencies MY CONSENT to reinvestigate this matter.

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 2020-01-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Experian are reporting an incorrect filing date on the US BKPT CT TX XXXX docket number XXXX. The correct Date Petition Filed was XX/XX/2016. ( Please see page attached from my credit report along with a copy of the filing information. ) This incorrect reporting is harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the ( 2 ) bureaus to update this however, I have not been successful.

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 2023-04-14
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:
the problem I am having withe these credit reporting bureaus they don't do a proper investigation to the disputed items I have on numerous occasion submitted disputes with experian/XXXX/and XXXX that meet all the fcra guide lines and they come back verified and updated in 10 days or lees as then I ask them of there method of verification and I have also requested these things in writing and I Never have gotten them either all I want is a fair and accurate credit report that's afford to me by the fcra these company are breaking the law in a numerous ways by not being transparent and they will not comply to the rules of the XXXXexperian lies about how they verify accounts they verify my accounts as accurate and these accounts are not attached to an address or my name and they refuse to there jobs by removing them and XXXX sends stall letter thing to buy more time or on most cases they just don't respond or when they they just refuse todo an through investigation so they XXXX verify and says it updated and XXXX never responds within the 30 days allotted and they always come back updated and verified with no thourgh invetigationand most of all none of these bureaus do a thorough investigation on any of these disputes and the consumer has no chance at a fair and accurate report as supposedly afforded them by the FCRA

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 2019-05-05
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXXI contacted Amsher Collections to settle four accounts that have been in collections since XX/XX/XXXX. The break down of those are {$84.00}, {$84.00}, {$84.00} and {$70.00} for a total of {$320.00}. There was an account on my credit profile for the exact total in which I disputed that with amsher collections about a year ago and they removed it from my profile. Let it be known, when I contacted the creditor they claimed those accounts are no longer with them and have been submitted to a law firm therefore I couldn't do anything about it yet they still showing as " open '' and being reported on my credit report. After this statement she said I do however owe them approximately {$430.00} ( which isn't on my credit report ). I requested to set up a payment plan but she denied it and claimed she could reduce it to {$320.00} if I paid " today ''. It appears this is just a total of the four accounts with a few extra dollars added which now has me skeptical and questioning the authenticity of this " account ''. At this time I requested documentation that outlined the delinquent accounts to be mailed to my home for my review and verification which she refused to do. Unable to find a resolution to this I got off the phone. I have contacted once prior to this and the collection agent was extremely rude and unhelpful so I ended the call abruptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
I am extremely frustrated with all of the major credit reporting agencies ( Experian, XXXX, XXXX ) and their antiquated algorithms for credit score calculations. I have paid off ALL credit card accounts every month, paid my mortgage on time, etc. for 7+ years - yet still, if I have any sort of increased expenditure for a given month - even though it is paid IN FULL at end of the month - it still has a NEGATIVE IMPACT on my credit score if/ when my credit card utilization for a given month exceeds 30 % even though it is paid off IN FULL each month! This is total XXXX & needs to be FIXED. I am so tired of my credit score fluctuating from the low to mid XXXX to over XXXX & the only reason it dips below XXXX is due to greater than 30 % credit card utilization in a given month. This is total XXXX as to a reason for why my credit score should drop ( however temporary it may be ) & I am tired of the credit bureau agencies doing what they want to & totally XXXX over consumers because they refuse to UPDATE their credit score algorithms to something that makes sense. I am a financially responsible consumer who has larger expenditures from time to time- as pretty much ALL CONSUMERS DO- but always pay them off in full within the 30 day cycle. WHY should I be penalized by a XXXX point credit score drop in a given month merely because my CC utilization goes up from time to time? This makes NO sense & is a totally arbitrary factor in calculating a credit score & needs to be FIXED. I want a response & I want ACTION to resolve this ridiculous factor that goes into a credit score calculation. Makes NO sense & causes stress on many consumers for NO GOOD REASON.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 2023-04-11
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We got scammed trying to rent a home. Someone was posing as a real landlord. We sent electronic payments through XXXX and the moment that we realized it was a scam we contacted the bank and opened cases for fraud and also informed the police as well as XXXX. The bank credited us {$1500.00} which was half of the money that we lost while they did the investigation. After that it was determined nearly a month later that the charges were not fraudulent and they would not be returning our money and instead would be debiting back the money that they credited us from our account. We sent 90 documents of proof including emails transaction reports text messages and screenshots to the bank along with a letter asking them to reconsider and explaining the scam and fraud. We can not pay our rent at our current home now, have 4 small children and no money. We got completely screwed and the bank wont side with us. Weve been long time customers for 15 years. All transactions were to the same merchant.

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