BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently sent them a letter on XX/XX/22 and I have not received an response from them. There is an account that I do not recognize, and I have asked to investigate this account numerous times but have not received anything from XXXX, XXXX, XXXX XXXX or I C System. I was incarcerated when this account shows it was opened. I'm not sure if someone else opened this account in my name or what but this is not the only inaccurate information on my 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 explanation
Consumer complaint received 2019-01-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore states that the payoff was good until XX/XX/2018 and had it been received the sale would have been rescinded. They continually skirt these complaints with half answers. THEY PICK AND CHOOSE WHAT THEY WANT TO ANSWER!!! 

THE PAYOFF LETTER WAS MAILED TO ME ON XX/XX/2018 I DID NOT RECEIVE IT UNTIL AFTER THE SALE??? SO PLEASE INSTEAD OF AVOIDING THIS QUESTION TELL ME HOW I WAS TO PAY IT OFF IF I HAD NO FIGURES UNTIL AFTER THE SALE THE FORECLOSURE SALE DEED SAYS {$100.00} IF THE HOUSE WAS NOT SOLD FOR {$100.00} WHY DOES THE DEED SAY {$100.00} RUSHMORE CONTINUALLY IGNORES THE PROOF OF NON SERVICE WITH DOCUMENTED PROOF OF DIFFERENT ADDRESS THEY KEEP ATTACHING PROOF OF SERVICE TO INCORRECT ADDRESS THOSE ARE JUST A FEW OF THE ILLEGAL ACTIONS IN THIS FORECLOSURE CFPB IS SUPPOSED TO PROTECT THE CONSUMERS HOW DOES THAT OCCUR WHEN YOU ALLOW THEM TO JUST SKIRT ANSWERS AND NOT EXPLAIN THE REAL QUESTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX recently removed an incorrect bankruptcy that is reporting on my credit report. I have sent the paperwork that was sent to me showing that this bankruptcy was incorrect and XX/XX/XXXX still will not remove this incorrect item from my credit report. There is no way that they can verify it as accurate when it is not on my credit report. The company that verifies bankruptcy 's for XX/XX/XXXX is XXXX and there is no way that it can be verified when it is non existent.

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 2018-04-20
Company: Media Collections, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I continue to receive calls from a debt collector " XXXX XXXX XXXX XXXX '' after telling them that I do not own the debt and after telling them to stop contacting me. But the calls continue and are non stopping.

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 2021-02-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I disputed items on my credit report that were not my account. Experian opened the case and then closed it without notfiying me of the response from the company XXXX Bank. XXXX Bank has opened an account in my name that is a fraudulent account. Experian is allowing the account to stay on my credit report even though it is a bogus account. Experian is reporting the wrong credit score for my credit. They do NOT allow you to speak to live representative. Experian did not allow me to dispute the item again and provide proof that it was an erroneous account. Instead, they simply disallowed me to reopen the dispute case or file a new dispute with 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 explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: NV
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 
It is the result of identity theft. ACCOUNT : XXXX XXXX # XXXX, Account : XXXX XXXX  : # XXXX, ACCOUNT : # XXXXXXXX XXXX XXXX, ACCOUNT : # XXXX XXXX, ACCOUNT : XXXX XXXXXXXX XXXX XXXX # XXXX I filed identiy theft with the IRS, FTC, and the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one USA pulled my credit report without my knowledge or permission from three different locations. Its fraud and they didnt do anything on there part when contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: TX
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:
I contacted Equifax on XX/XX/XXXX to advise them that I have no knowledge of a XXXX XXXX nor is this company any where on my credit report ... 

I contacted XXXX  on XX/XX/XXXX and informed them that I have no knowledge of a XXXX XXXX and they are no where on my credit report .... 

These ( 2 ) inquired were not by permissional purpose at all and I want them deleted/removed from my credit report immediately. 

XX/XX/XXXX is XXXX XXXX XX/XX/XXXX is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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 reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : 1.XXXX XXXX 2 . XXXX XXXX  3. XXXX XXXXe

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX is reporting a bankruptcy in my Experian credit report which they not allow to report in my credit report I contact bankruptcy court and they do not report to any credit Bearu 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 agencie can not furnish a account without my writing instruction

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 2022-04-03
Company: SYNCHRONY FINANCIAL
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:
My credit report showed a 60 day late payment from Synchrony Bank. I called them to report the problem and explained that their account which is PayPal Credit is only accessible through PayPal ( a completely different company ) that was closed. I was sure that since PayPal was closed PayPal credit would send me statements so I can pay. I never received statements since XXXX/2021. I accidentally checked my credit report and discovered a 60 day late payment. I called Synchrony Bank ( servicer for PayPal credit ) and found out that the address they had on file for me was an unknown address. I immediately paid the past due payments and asked them to investigate and remove the late payment reporting. They assured me that they removed the late payment fees and that their credit disputes department will investigate and remove the late payment reporting and would provide a letter confirming that to my correct address. I checked my credit report in a few weeks and saw that the negative reporting changed from 60 to 30 days late.

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 2019-08-13
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have submitted information on Navients website to defer for a few months. For the past 3 weeks Navient representatives have been calling my work in our office every day before XXXX. Describing the nature of their call which gets routed through to the receptionist, so they are not keeping my information at all private. I requested in XX/XX/XXXX that I not get calls in office, renegotiated my loan termsz then Im XX/XX/XXXX they began to call again. I spoke with someone telling them again not to do this. He said I waived my right to not receive multiple calls at work when I signed my loan agreement. He would not pass me to a supervisor. And I requested a call back from a supervisor after which the customer service agent hung up. The next day, which would be today XX/XX/19, I received another voicemail from Navient. I had explicitly said not to call as well as gave my phone number, which I asked the customer service rep to confirm he has. He refused to do this before he just hung up. I would constitute this as deliberate harassment and sharing of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Riverstone Law, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
i have paid monthly XXXX for about 6 months with no results. ( bank statements to show payment ) credit report unchanged for collection items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency ( comenity bank ) contacted my father in law on XX/XX/19 and gave specific information about my debt, violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX-XXXX-18 I have sent a, ask to validate so called debt I owe to the creditor and the bureau I have yet to properly receive anything from the debt collector themselves. 

According to the Texas state secretary website XXXX XXXX   Does not have a active surety bond to collect in the state of Texas. Please assist in removing this from my credit reports.

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 2023-12-03
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of XXXX I notified American Express Company of a billing error. American Express Company proceeded to close my account without resolving the billing error complaint and without providing proof of a complete and thorough investigation pursuant to section 15 USC 1681s-2 ( b ) of the FCRA.

Furthermore American Express continues to report a charge off on my credit report and to the credit reporting agencies,. 
According to the IRS a charge-off is consider a certificate of indebtness which means that it is income.

According to 15 USC 1681 ( c ) it is illegal to report a consumer 's transaction history, and must be removed.

AMERICAN EXPRESS continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ).

AMERICAN EXPRESS is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency without my written request and without my prior written consent 5 U.S.C. 552a ( b ).

AMERICAN EXPRESS is violating 15 U.S. Code 1681 ( a ) by reporting inaccurate information,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent dispute letters multiple times via certified mail to have this item deleted from all credit reporting agencies. I am being sent information that is not validation that the debt is indeed mine according to the law. A statement of charges and/ or a balance on a letter head is not sufficient documentation of validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for this card in XX/XX/2018 and have had problems with it since. They have charged me excess fees due to an error in their system with my autopay. When I opened the card, I signed up to have my minimum payment taken out of my checking account. I apparently entered my account number incorrectly on that first attempt and have called the bank multiple times to get it updated so that it can be paid timely and fully. The bank closed my account because it went 2 months delinquent without notifying me. I have called the bank no less than ten times asking them to update my autopay account because I can't do it now that my account is closed. They keep " paying '' the bill with the wrong checking account information and then charging me a returned check fee. I don't know what to do any more because I have made an honest attempt to pay off the balance, but they keep using known bad autopay information which continues to rack up fees. Additionally, I moved in the middle of the process and they refuse to update my mailing address so the notifications are going to my old address and are not making it to me to make a timely resolution. All of the statements that I have received have a note saying that no payment is necessary because I am set up on autopay, but then they use the wrong account. I can't keep dealing with the bank directly because I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Can you update my address and name on my credit profile.

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 2021-03-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
After numerous workarounds I was able to retrieve my credit score currently XXXX and even after a number of debts paid. I find this alarming! My score in my opinion should have increased significantly considering unanswered disputes, disputes refuses by credit reporting agency and payments made. XXXX  balances.

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 2021-03-20
Company: Winklevoss Exchange LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Purchased XXXX in ether crypto currency from XXXX on XXXX. 

Then purchased XXXX in balancer on XX/XX/XXXX. Account still not verified and I now sold ether on XX/XX/XXXX. Unable to withdraw funds in any form. 

Ive sent multiple emails to have this verified and ensure my account was verified. No response. Only bots respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir/Madam ; I recently received a credit alert that my name and SSN were being used at 3 different addresses where I never resided at. I also never used these addresses for mailing purposes, I am concerned because in the past the 3 individuals who do reside there know me personally and have attempted using my name and SSN to possibly receive mail or order credit cards or products. 

I contacted Experian and have placed a credit alert as well as a credit lock for 1 year. 

Kindly, assist me with this complaint to prevent any form of credit theft using my name and SSN! 

I would like to request the addresses provided below be removed from my credit report and history. 

Thank you in advance! 


1 ) XXXX XXXX XXXX XXXX, NY XXXX 2 ) XXXX XXXX XXXX. 
XXXX NY XXXX 3 ) XXXX XXXX. 
XXXX XXXX, CA 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 2019-01-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank 's security department has frozen my online access and is demanding some very unusually technical steps on my part to restore service. I can not access my checking or savings online or use bill pay. This decision is being implemented and rendered by a back office in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
i have filed a dispute didn't get back response beside the point its a company card that i was never a pert off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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  Account #, XXXX XXXX XXXX XXXX - XXXXXXXX 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 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 1681 Section 604 B. States a consumer reporting agency dont have the right to report anything on your credit report without written consent.

15 U.S.C 1681 Section 605 Section 1. States with no consent that equal identify theft 15 U.S.C 1681 Section 605 Sections 2. States if your notified that something is on your credit report that results from identity

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