BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Rushmore Loan Management Services continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies, through negligent unfair violations of the FCRA, FDCPA and other state and federal regulations. Rushmore Loan Management Services has undisputedly re-aged an account first reported delinquent by XXXX on XX/XX/XXXX, and continues to extraneously verify by, Rushmore finds no evidence to support that your credit has been falsely re-aged. Your loan was acquired from XXXX XXXX XXXX on XX/XX/XXXX. At that time, loan was due for the XX/XX/XXXX monthly installment. Therefore, Rushmore is reporting your loan accurately. This is an insidious deception constituting intentional misconduct under both Federal and State Laws. The FCRA and case law is clear and unambiguous on this matter : the 7-year time clock starts running on the Date of First Delinquency ( DOFD ). Reporting of DOFD is, under FCRA 623 ( a ) ( 5 ), based on information obtained from the Original Creditor. One debt collector selling the debt to another collector is irrelevant to the 7-year rule. The federal FCRA and state statutes of limitations are separate and independent of each other. A review of the attached Customer Loan Inquiry, XXXX Notice of Intent to Cure, XXXX Account History, as well as, the series of attached credit reports, show PROOF POSITIVE that Rushmore Loan Management Services has illegally re-aged this account. The legal obligations under the FCRA Furnisher Rule completely discredit Rushmore Loan Management Services denial of involvement in improper investigations. Well-founded through disputes Ive already submitted, Rushmore furnishes falsified information to the CRA 's, repeatedly verifies it, then wrongfully shifts responsibility to the credit reporting agencies. Attached are dispute responses from XXXX, XXXX and XXXX evidencing Rushmore 's furnishing of fraudulent verifications. As a result of these reckless, wanton and intentional acts, I have suffered and continue to suffer considerable, irreparable, emotional, medical and financial damages. Rushmore Loan Management Services disregard and willful violations of the FCRA, FDCPA, and, my rights as a consumer, have caused unfair harm by seriously diminishing my credit rating, causing denial of credit, cancelled credit cards, missed job opportunities, escalated interest and insurance rates, and, loan terms I no longer qualify for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I NEVER SIGNED A CONTRACT WITH THIS COMPANY! 
I have asked them to provide PROOF ( SIGNED CONTRACT ) of this debt they say I owe or remove this from my credit and they fail to comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
The Free XXXX XXXX XXXX  order telephone number ( XXXX ) should have a record of my call to order my free credit report from all three agencies on XX/XX/XXXX. Although XXXX  and XXXX  did send me my credit reports with that date, TransUnion did not. Instead of sending me my free annual credit report in compliance with federal law, TransUnion sent me a letter dated XX/XX/XXXX ; that falsely claims that their records show that they have already provided me my free credit report within the past year. My records and the XXXX, telephone number records show that my last order for a TransUnion credit report was on XX/XX/XXXX ; and they sent me my free annual credit report printed on XX/XX/XXXX. XXXX promised to mail me my credit report during my phone call to TransUnion 's telephone number at XXXX XXXX XXXX XXXX to resolve this issue with the company on XX/XX/XXXX. Unfortunately, TransUnion never sent me my free annual credit report. If TransUnion claims that my access to their credit report was made through the internet, please have them permanently shut off internet access to identity thieves who fraudulently order my free annual credit report. Please force TransUnion to immediately send me my free annual credit report in compliance with federal law. 

Please also issue a rule that credit agencies may not claim to have already sent a free annual credit report if the Free XXXX XXXX XXXX order telephone number ( XXXX ) shows an order date more than one year old. Perhaps credit agencies send the letter falsely claiming to have already provided a free report to fraudulently charge consumers money for a credit report in violation of federal law that says it should be free.

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 2020-10-18
Company: SUNCOAST CREDIT UNION
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: Account information incorrect

Complaint:
I've disputed a paid charge off that was charged off in XXXX and paid in XXXX in Full. where account was reporting closed and paid charge off. fast forward to XX/XX/XXXX, the account shows reporting monthly on XXXX  for the months of XXXX and XX/XX/XXXX as charged off, where it shouldn't have been. this account should not be reporting as charge off period after XX/XX/XXXX where the debt was paid. ive contact XXXX  XXXX XXXX and XXXX  and still no resolution

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 2021-06-26
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am submitting this complaint due to the inconsistencies of my XXXX credit scores from the three credit bureaus. My XXXX  XXXX  score is XXXX. However, my XXXX score with Equifax is XXXX and XXXX  is XXXX which is over a XXXX point difference. Their explanation is that since my husband and I hit a snag in his income early in 2019 and had late payments on two accounts, then we will always be late making payments, which is not a fair assessment on anyone because life happens. Also, our income is far greater now than two years ago and we have consistently made on-time payments on all of our accounts and have never been late on our automobile loan, which is the largest debt in the past 3.5 and no late payments in over two years on any other accounts. This is not fair credit reporting nor fair in my scores and there should not be a 50+ point disparity across the three credit bureaus. It seems that during the pandemic, Equifax and XXXX  has fallen asleep in updating my FICO scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: FL
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: Billing dispute for services

Complaint:
In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I  have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert from my XXXX account saying to check my credit monitoring. I noticed that Enhanced Recovery Collections was reporting to XXXX some sort of Collections account. I do not have any accounts with this Debt Collector and do not know why they have put this information on my Consumer Report. I need to know why this was put onto the Consumer Report without prior consent from the Consumer. I am an older American who  does not know why this is normal practice with the Credit reporting agencies please stop this criminal behavior. I wish this would cease and desist pursuant to 15USC1692 c c. This crime of identity theft has been visited by the President who says that there is a travel ban on invasion of the American peoples information. Please show me the employer identification number for Enhanced Recovery and also I need to see the employer identification number for XXXX and also all of the identifications for whomever had this derogatory information placed on the Consumer Report. I have got to figure out who provided all of my personal non private information for all of the public to see. It has to be known who and what and why it has been provided. This obscene and profane language has got to stop. It is a crime pursuant to 18USC242 I must have the right to defend myself before anything is placed on my Consumer Report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries 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 2020-09-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal online message exchange below indicates the issue : PayPal XXXX XXXX Hi! I'm your PayPal Assistant. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. 

If I can't help, I'll transfer your message to an agent. 

XXXX XXXX XXXX  Transfer message to agent PayPal XXXX XXXX Our customer service staffing is limited due to the coronavirus ( covid-19 ) crisis. We've put together some useful information in the Help Center to quickly resolve your issue. I'll stay here while you take a look. 

Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 

XXXX XXXX XXXX Yes PayPal XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 

XXXX XXXX XXXX Do not ever make changes to my account payment or opt me in for " other '' payment services such as XXXX XXXX You points which you did today in an e-mail I received. This is wrong. 

XXXX XXXX Hello! My name is XXXX and welcome to PayPal XXXX! I can see that you are contacting us because you do not want us to make changes in your account. I apologize for the inconvenience. I understand that you receive an email notifying that you can now use your XXXX Thank You points. Rest assure that there will be no changes that will be on your account and we do not do it without your authorization. The message you receive is simply to notify that you can use your XXXX point in making a purchase. 
Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

XXXX XXXX XXXX Thank you for your rapid response. I do not agree with it, and request Paypal not link into my account other payment methods. According to a review of my account today, an alternate payment methods on my linked XXXX credit card showed I could make payments with points using that credit card. Since the linked in option showed how many points I had with that credit card that could be used, unauthorized financial information was exchanged between XXXX and Paypal without my agreement. Your reply does not indicate Paypal will stop doing this, so I am taking additional action. Please reconsider what you are doing in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing this letter to demonstrate my disgust with Paypal 's decision to take my available funds in my account. There was a total of {$4100.00} in my available balance. I was told by Paypal that I needed to wait 180 days to withdraw the funds. After about 170 days, Paypal then transferred the available balance funds into their own PayPal account, claiming " damages '' after a violating the " acceptable use policy ''. 
Paypal has provided zero evidence to backup their claim that my company has " damaged '' their business. All of these sales were from XXXX transactions and there very minimal amounts of returns or refunds. All of the buyers have received their merchandise. I emailed Paypal and they told me that I would be able to withdraw my funds in 180 days. I am attaching proof of their email showing they told me this information. There was only 1 Paypal dispute which was decided in my favor. I am asking that these funds be returned to my account right away so I may withdraw them to my bank account. If I do not have these funds returned within 45 days i will be filling a lawsuit in small claims court. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: GA
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 Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting that an item from XXXX XXXX was, acct # XXXX ... XXXX has late payments as recently as XXXX of XXXX. I keep trying to have this problem resolved but on their report they simply will not change it, even though XXXX XXXX verifies this account has been closed since XXXX. This is outrageous, it is damaging my report while I am trying to refinance my home, saying I have a recent missed payment on an account that has been paid and closed for six years. If they do not correct this issue after these repeated warnings, this being the last time, I will have no choice but to file suit under the fair credit act. This is costing me thousands of dollars. I know the people there are aware that I am correct and this is an error. They simply do not want to fix it. This is literal harassment. There is nobody there you can talk to. This is the last time I am doing this before my attorney gets involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: CA
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 to the Fair Credit Reporting Act XXXX and XXXX  XXXX : 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 oral or written instructions.

15 U.S.C. 1666b A. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XX/XX/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 2021-10-05
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2022-07-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act, XXXX XXXX Bank account # 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 response to consumer: Closed with explanation