BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax data breach debacle, I undertook steps to order credit freezes with all three credit bureaus. Experian has refused to accept an online request from me for a freeze. They have refused to accept an upload of documents they require to implement the credit freeze XXXX their system XXXX giving either an explanation of system is not available or else can not upload documents in spite of them being in the correct required format ( PDF ) and below the size limit. This occurred on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. Additionally, I tried to order a credit report, and received a message that I could not be identified in spite of supplying my legal name, social security number, and address at which I have resided for the last 12 years. 

Additionally, all requests for freezing accounts have been followed by offers for security monitoring to be purchased through Experian. They can not find my account to issue a credit freeze but seem to be able to do so to sell me a product they are offering. 

The only resolution to this problem is to send Experian the required personal information, including social security number and date of birth, through the XXXX Mail. I have completed this process and am now awaiting a response from Experian where I will supposedly be sent a pin to be able to access my account in case I need to temporarily issue a credit freeze lift.

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
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:
I am concerned about the Equifax data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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 non-monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act, XXXX Transunion, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to the 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

These addresses do not belong on my credit report : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-26
Company: BHA Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My elderly father received a call in reference to someone looking for me in reference to the collection of a debt. I called the number ( XXXX ) XXXX. This number was for a company called BHA Services in XXXX. I spoke to " XXXX XXXX '' who was attempting to collect a debt from XXXX from something I am not aware of. I told him that if it was a XXXX XXXX XXXX debt, I had a bankruptcy in XXXX. I then told him that my credit is perfect and I owed no one anything and not to call me again. XXXX XXXX has since called my cell phone multiple times. He is now calling and harassing my work number repeatedly. I checked with my XXXX XXXX and they advise that all credit agencies report that my credit is excellent and that there are no delinquent nor unpaid accounts. I do not know what kind of scam this company or individual is attempting I take my accounts seriously and am tired of being harassed by this person. If I can not resolve this issue via your complaint services, my only option to end this relentless persecution will be to contact an attorney and pursue legal action. I am a XXXX XXXX  XXXX and have consulted my agencies white collar crimes who told me to begin documenting the dates and times of each call in order to provide documentation to my attorney to show a pattern of abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX  XXXX  and the pandemic has affected my income. In early XXXX, I reached out to my mortgage company, Rushmore Loan management, and they agreed to give me a loan forbearance. The agents I spoke with told me they had many options during this trying time for lenders to work things out with them. When the forbearance period was up, I resumed making payments. I was not able to get the mortgage completely caught up. One of the options explained to me by their agent was a payment installment plan, whereby I would pay a little more each month to get caught up. I was instructed to complete hardship paperwork for their loss mitigation department. I completed the paperwork, and sent in all the documents they had asked for. This was in XXXX of XXXX. This paperwork, and getting all the documents together, took many hours to complete. For months afterward, I would call several times a month to get an update on a plan from the loss mitigation team. All I ever heard from them was we received everything, someone will call you next week. I never heard anything from them until last week, when I received a letter from an attorney who represents them, who is filing a motion to start a foreclosure. I called Rushmore, and was told that in XX/XX/XXXX, they had sent a letter to me asking for new or additional documents. They straight out admitted to me they sent it to the wrong address, and received a mail return from the post office. Because they did not get the documents, they cancelled or denied my request for assistance. I asked the agent why they didnt call me or email me when they found out they had the wrong address? Isnt that the whole purpose of mail return? It was an address I had not provided them with, and not even close to my correct mailing address, or the address of my lawyer. The agent said they would resend the loss mitigation paperwork, however, it now appears they trying to move forward with foreclosing on my property because of their own mistake. It is extremely frustrating, as I had done everything they had asked for. Im not sure how a large company like Rushmore could just accidently put the wrong address on my file, and it seems like a sneaky move to start a foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: WI
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.SC 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 explanation
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED

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 2017-09-30
Company: Experian Information Solutions Inc.
State: CA
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:
.On XXXX/XXXX/XXXX I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from experian and XXXX. XXXX also does not allow me to freeze my credit without making an account with them online.

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 2022-04-26
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have a substantial amount of money on my card but for some reason American Express serve has a limit on my money that I can spend. Its my money and not a credit card. So every single month I have to go a week to 10 days with no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter on XX/XX/XXXX with complete attachments of my personal information as well as the ID THEFT REPORT I ereceived from the FTC requesting that the Credit Bureaus remove fraudulkent information from my Credit file that are UNKNOWN to me. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXXXXXX XXXX.Ive already included this in my previous Complaints & I am including it again. I have read enough to understand my rights which is clearly being violatedby the Credit Burueas by contunuing to report the disputed items whitout proper verification. I need the disputed items removed completely from my Credit 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 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 non-monetary relief
Consumer complaint received 2017-09-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Unacceptable sharing of other persons information with me, while corresponding on my dispute. 

On cfpb complaint XXXX of application XXXX, I was mailed a correspondence document that not only included my 3 page letter but also a two page one to XXXX XXXX XXXX XXXX and XXXX XXXX, picture attached. Im sure the XXXX would be very disappointed in this disclosure to me, a third party. I am happy to share this with them but am going through proper channels so you can notify them of this breach and penalize wells for the breach as allowed.

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 2017-09-30
Company: EQUIFAX, INC.
State: TX
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:
ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-04-26
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
According to Consumer Rights Under the ECOA, the primary right consumers have under the ECOA is to receive a response on their application favorable or unfavorable within 30 days of receiving the application and if the application is denied, receive written notification of why it was denied. In our case, we submitted an application on XXXX for the refinancing of our primary residence over the telephone with a NewRez LLC Mortgage Consultant ( Evid : initial disclosure ). Our application was denied in writing, dated XXXX but received XXXX. Their mailing envelope has an internal postmark date of XXXX when it left the building and is included in the attachments. We received the rejection via US mail on XXXX or 51 days from the date of our live application, precisely 21 days past due. This excessive time delay has hampered our ability to timely seek out other mortgage companies offering comparable rates amid fast rising interest rates. Please note our credit scores are over XXXX. Our primary residence that we are refinancing has quadrupled in value over the 25 years we lived in our home. We also own XXXX investment properties with significant equity. The mortgagor, NewRez LLC, holds one of our investment property loans. The loan processor was delayed in requesting all documentation. Further note that communications and transfer of documentation was performed via telephone, email and via their online portal. 


Files Uploaded : 1. NewRez XXXX XXXX ( zip file ) 2. NewRez late communication received XXXX requesting documents 3. Applicant 's email to Mortgage Consultant on XXXX requesting response on loan status 4. NewRez Late Rejection letter received XXXX ATTENTION : NewRez late request for documentation sent via USPS dated XXXX and received XXXX is uploaded here. We responded by sending three ( 3 ) emails on XXXX with our documentation. We further communicated the lateness of their request and failure of their portal to collect data. This evidence is critical for case evaluation. Since the EOAC portal for accepting documents is limited to XXXX, please provide an email to send files. 

Thank you, XXXX & XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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: Investigation took more than 30 days

Complaint:
XXXX has missed report my payment history. They are reporting me as 30 days late on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I disputed, they realized I was correct and removed. Then they re-reported it. This has happened 3 times. I don't no if this a computer error or clerk error on their end. Its starting to effect my ability to borrower money. I have paid the account off and have a history of all my payments to show I have never been 30 days late. Please Help

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 2022-04-26
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 that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
Re : Notice of Dispute Pursuant of the Federal Fair Credit Reporting Act I recently obtained a copy of my consumer 's credit report and dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that it is corrected immediately. The information I am disputing is as follows : Please remove this from my records. It is inaccurate/outdated information. Date opened states XX/XX/2012 more than 7 years old. The act states negative items must be removed from the credit report seven years from the first date of delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions 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:
The 2 accounts reporting on my Experian credit report are not my accounts.

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 2017-09-27
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX went to chase bank approved from checking started dir. Deposit and ordered atm card. Deposites starting funds. XXXX couldnt assess acct info from phone was suspended Called chase bank said account was closed and is final and cant give an explanation or possible solution to fix the problem to keep acct open. 


Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I reached to XXXX XXXX XXXX about my American Express card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. XXXX told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the XXXX there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.

Company response to consumer: Closed with explanation