BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2022-02-03
Company: Farrell Holdings, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
As the balance is lower and loan is close to be fully paid, bank is charging insurance charges. Bank informs it is in the contract, but does not present the evidence. I didn't find it. 

Request for : 1 Stop charging the insurance- it was not charged for almost 40 months and suddenly started 2 Send me the balance to fully pay off the loan. Without insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me 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 non-monetary relief
Consumer complaint received 2018-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened my first credit card to establish a relationship with USAA in XX/XX/XXXX. When I received my credit card it had an inaccurate name on it ( Last name started with XXXX instead of XXXX ). I chose not to activate this card with inaccurate information. Unknown to me, there was a {$14.00} shipping charge when I opened the account, which I never received a bill for ; neither in my mailbox nor an email informing me my bill was ready ( which was the case when I had an activated credit card with USAA ). Because my information was inaccurate and this account was never activated, I never assumed an issue when I never received a bill for this account. I checked my credit report in XX/XX/XXXX, and to my surprise found XX/XX/XXXX- XX/XX/XXXX late payment status for {$17.00} on this account. I immediately called customer service and paid the overdue {$17.00}. If I had any knowledge of the {$17.00} (! ), I would have paid it immediately. I have never missed a payment and I most definitely would never ruin my credit over {$17.00}. I have asked for credit reporting to be corrected for my account that portrayed inaccurate information on my card, that was inaccurately charged to an account that I never activated, and of which I was never accurately notified of my {$17.00} debt. Additionally, I immediately paid this {$17.00} debt when I, through other means than USAA, discovered this {$17.00} debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage due to XXXX hitting my family. During this time neither myself nor my husband could work due to the illness and it's exposure. I called our mortgage company about receiving assistance through the Care Act. I was told by the agent that I was able to apply over the phone. So that's what we did. She took my information and said I was approved. Everything was explained to me about the assistance, how we could pay off, what we owe etc. I even have the agent 's name and ID number. So being told I could do this, I made the first {$500.00} payment on XX/XX/XXXX. Then a couple weeks later on XX/XX/XXXX, I called to make the second {$500.00} payment. Both payments were taken out of our bank account. So I'm thinking everything is fine with our repayment plan until I get a letter this other day stating that we have to pay {$2200.00} by XX/XX/XXXX or theyre going to start the foreclosure process. We've lived in this house for over 20 years. Also, they've not kept any records of my communications with them setting up this repayment plan yet I have one of the agents name and their agent number. They havent even wondered how I got that. Since theyre claiming to have no record of me communicating with them previously it looks like we were ignoring this situation when we weren't. Now because I was given misinformation on how to receive help, it could potentially lead to us losing our home. We didn't just up and decide to not pay the mortgage because we didn't feel like it. A potentially fatal virus made it's way into our home. This kept us out of work for a long time. That's why we fell so far behind. So when I called them for help I truly believed I received it. They happily took my {$1000.00} dollars, yet deny any communication in regards to helping me save my home. Now Ive been told we have to fill out this 26 page application to just start a process that I was specifically told had already begun. I now call them daily to verify that my communications with them the day before have been recorded. I don't trust them. The only thing I trust is I need to come up with over {$22000.00} dollars by XXXX XXXX  because that's on paper. I have 26 pages of information they want filled out immediately and faxed to them even though I'm in the middle of a state of emergency due to a snowstorm. The lady asked when I could do it. I don't know! When it's safe to leave the house! I feel decieved and scammed. We're looking into tapping into my husband 's retirement account while I fill out this 26 page application. When it comes to falling behind due to a potentially fatal virus we own that but when it comes to turning for help to a company we trusted who would but lied to us that's Rushmore 's responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from PayPal that a purchase from XXXX had been made from my PayPal account on XX/XX/XXXX, but I thought it was spam. Then I noticed a withdrawal of {$530.00} from my XXXX XXXX account. I reported and disputed this with my bank and they put a stop payment on the charges. Then on XX/XX/XXXX my bank declined the electronic funds transfer. Then the PayPal collections called me to collect this debt, however, it wasn't me in the first place. Then I filed an online dispute with PayPal claiming that this was fraud. However, they declined it. I then called XXXX asking if they could do anything and they directed me back to PayPal. However, I found out that there was someone using a fake email address, but my same shipping address as mine. I called PayPal disputing the debt, this time saying it was identity theft. They declined it again saying it matched with my past purchase history. I tried disputing it a third time saying that I never got the item because I got a notification saying that it had arrived at my address. The shipping company had given a tracking number and proof of delivery, so it got declined. I filed a dispute with the FTC. I then filled a police report on XX/XX/XXXX. I sent both to XXXX XXXX XXXX XXXX ( PayPal 's collections ) on XX/XX/XXXX. With the assistance of XXXX XXXX, I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to see the status of the my case, they declined it saying to call PayPal again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On Tuesday, XXXX XXXX 2018 I purchased a US Bank XXXX GiftCard at XXXX in XXXX XXXX, IL. I added {$500.00} in value at purchase. As per the instructions, I registered the card online, provided my name, address, email, and phone number. On Wednesday, XX/XX/XXXX, I began using the card to pay my Trash Collection service, electric ( XXXX ) bill, a prescription copay at XXXX, and my copay for my XXXX visit. 

I confirmed my new balance was {$280.00}, and went to use my card for another doctor copay for {$30.00} on Thursday, XX/XX/XXXX. The card was declined twice. It was embarrassing because I was confident there were funds available, and a doctor 's office is definitely a merchant where a reasonable person would expect a transaction would be approved. After a third decline at the doctor 's office, I offered a traditional credit card, and the transaction was immediately approved. 

Then, early on XX/XX/XXXX, I tried to pay my landscaper for snowplowing my driveway. The same {$280.00} was available on the card, and his invoice was only for {$47.00}. Again, the transaction was declined twice. 

At this point, it was obvious something was wrong, so I contacted " XXXX XXXXs '' at XXXX. As an aside, US Bank does NOT make this number easy to find. Not only is it not printed on the card itself, it is quite buried on their website XXXX. The representative kept providing a nonsense response that I was trying to use the card at a " blocked merchant ''. There is no valid reason my doctor or landscaper are blocked merchants, but the representative literally just kept repeating the same illogical statement. I read the cardholder agreement, and the only transactions which are prohibited are things like internet gaming, other illegal activity, and transactions outside the United States. 

I should be able to use my Gift Card to pay office visit copays or for snow plowing services, but as of now the {$280.00} is essentially locked on my card. I do n't need US Bank to pick and choose how I can spend my Gift Card. I am paying for ordinary, lawful transactions in the United States, that are clearly in the scope of their Cardholder agreement.

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
Consumer complaint received 2019-05-02
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was serviced by XXXX up until XX/XX/XXXX. Prior to that I had filled for a modification that was denied but was offered a repayment plan. My initial payment was {$5000.00} which I paid on either the XXXX or XXXX of XX/XX/XXXX. XXXX notified us that the payment was late because even though I made it on the date we agreed on, it was made after XXXX. They never told me it had to be in by a specific time, a date yes, but not the hour. They suggested we fill out the application again and that the payment would be returned. We reapplied and they never returned the payment. Shortly after, I got a letter in the mail indicating that our loan was going to be transferred to P.H.H. Mortgage on XX/XX/XXXX. Come XX/XX/XXXX I made numerous attempts to contact P.H.H. to get my loan back on track. They instructed me that they would " put in '' for a modification packet to be emailed to me. I received a letter thanking me for reaching out and provided contact information for my relationship XXXX. I tried on many occasions to reach my relationship XXXX with no luck. I get routed to a different relationship XXXX every time. They never emailed me the application instead XXXX weeks later the XXXX dropped it off at our home. I filled it out and emailed it back to them. I've been calling every day since XX/XX/XXXX twice a day sometimes three. I have all the names of who I spoke to and their agent I.D . number for reference they keep telling me to give them " one more day ''. Just today XX/XX/XXXX they told me to give them " one more day '' when my foreclosure date is days away. After getting extremely frustrated they suggested I talk the foreclosure lawyers ( XXXX XXXX ). Why did they wait this long to tell me to contact them? I called them and they told me to call XXXX and have them " expedite '' the application. I also offered to pay to bring my account current. P.H.H. told me to contact the lawyers for a " reinstatement amount ''. I contacted XXXX XXXX and they told me to contact P.H.H. for the reinstatement amount since they ( XXXX ) are working for them ( P.H.H. ) and that they need to send a reinstatement amount or the temporary stop on the foreclosure. I called P.H.H. back and informed them of what XXXX said and they said that they were mistaken. Now I feel like they purposely want me to lose my home. I've been doing all the necessary steps to avoid foreclosure and they've been giving me the run around giving me the wrong information. I don't know if its because I'm XXXX or they just don't care about their customers. I feel hopeless, sadden with their lack of help. I'm stressed, I can't sleep at night trying to find last minute solutions. I'm don't know what else to do but ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: American First Finance, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After cancelling autopay with American First Finance they are still withdrawing money out of my account. When theres no money to cover the amount their trying to pull, I get charged with an overdraft fee. Ive spoke with American First Finance and they refuse to refund the money even though Ive cancelled autopay with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Information belongs to someone else

Complaint:
I have sent letters into experian, XXXX, & XXXX. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I previously dispute inaccurate and incomplete bankruptcy entry on my credit report, Experian refuse to correct inaccuracies in my report regarding Bankruptcy entry. It is a direct violation of FCRA for the Experian to not disclose the furnisher of information. The entry of I Attached the letter from the Bankruptcy court that explicitly details that they do not furnish any information to credit bureaus. I Experian must delete the bankruptcy for violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). Under FCRA I Have right to maximum accuracy as the law states : " reasonable procedures to assure maximum possible accuracy '' but Experian does feel that they are above the law. So instead of deleting the entry, Experian double down on not deleting. I want this bankruptcy deleted from my credit report because Experian violate the law. 
Experian is also reporting the Bankruptcy court as the furnisher of information which is false because the court does not furnish the information. Experian must delete this information for willful violation of 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 2021-12-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2017-07-27
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2017 my mortgage company informed me that a collection item for IC System XXXX XXXX XXXX XXXX XXXX, MN XXXX  XXXX {$720.00} XXXX XXXX/ XXXX is being reported on all 3  bureaus. I have sent 2 request to the company advising that I had no knowledge of the debt/account prior to it appearing on my credit, I have never lived at addresses associated with this account and I did not receive my right to dispute the validity of this account prior to them reporting it on my credit.i have submitted disputes with the credit bureaus as well

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 2021-12-21
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation