BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
Rushmore Loan Management Services, Account Number : XXXX XXXX XXXX, As of/Effective XX/XX/2020, is reporting inaccurately and has flagged my credit report. They are reporting on my credit report " Bank XXXX in XXXX Liquidation '' This information is FALSE My Divorced/Estranged spouse is currently in Chapter XXXX BK, Case No : Bk:XXXX His Name is XXXX XXXX XXXX I contacted Rushmore and advised them they have incorrectly flagged my account Requested them to " please remove '' They confirmed that according to their records they do in fact show XXXX XXXX XXXX currently in Bk, payments being satisfied through the BK Nothing has been done to correct my credit by removing the flag. 
As a result, my credit score has drop and I have received negative credit standing and loss of credit and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 explanation
Consumer complaint received 2021-01-25
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company placed forced insurance on us last year in 2020 regarding our condo hotel located in XXXX XXXX XXXX. The amount was {$3100.00}. I have reached out to my insurance agent and she told me I had plenty of insurance and that she provided that information to my mortgage company. On XX/XX/2020, my insurance agent sent me an email stating that she just got of the phone with Fay Servicing and they stated they will show nothing further is needed to clear my account. Since then, my mortgage company still shows I have inadequate insurance ( which is untrue ) and I don't know what else to do. When I call the company, I can never get a hold of anyone higher than the call representative. It is if I have to plead my case all over again to a new individual. Even if I ask to speak to the person I spoke with before, they tell me they will handle it. I can never get in touch with anyone in the insurance department or management that can help with this issue. My escrow balance is in the negative and I have been paying close to {$400.00} a month more just to stay current with my mortgage and escrow payments. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
When I first found out about the debt, I call the hospital and told them that I did present my medical insurance to the person taking the information along with my id. I was told that the wrong code was used and that they will try again to submit payment. I did not hear anything back until I saw it on my credit. I call the collector and was told that I was responsible for the debt. I sent a copy of my medical insurance proving I have coverage. I am here today because I was directed to contact this agency for addition 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 2023-09-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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:
I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately 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 2017-05-19
Company: Bread Financial Holdings, Inc.
State: MT
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 had a credit card with Comenity Capital Bank ;  XXXX   XXXX   XXXX  ;  XXXX , Oh  XXXX  ; and charged one item for {$19.00} in  XXXX ,   XXXX  . I paid the bill in full  five day s ahead of the due date. The sent me a statement saying that it was late and charged {$39.00} in late fees. i  XXXX  I wrote them a letter stating that I did not think this was fair as I sent the money timely. I asked that they cancel the late fee and close the account. About a month later I got a letter stating that they closed the account and then later another statement showing another late fee charged.     I have written them  three times over the past nine  months. The first time in  XXXX    XXXX   ; the second i sent a certified letter on  XXXX   XXXX ,   XXXX   and then again more recently on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,  XXXX  I returned a very rude telephone message that I received from a  XXXX  demanding that I pay the then bill of {$190.00} ( all in late fees ). She called my office number which I did not authorize. I told her not to call me on this number again as I am not allowed to make personal calls and offered her {$20.00} to end the whole thing. She refused and threatened to refer me to their legal representative and insinuated they would damage my   credit score.
At this time they are charging over {$200.00} in late fees all on a one tim  e purchase of less that {$20.00}. I think this predatory and ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had deferred my loans for a little while. When Obama got into Office and started the payment plan that goes by your annual income. I started paying back my loan. I was told that I had to pay for 10 years. As of today, they told me I only paid in for two years. That is not true. I was with salie mae then with navient. Please help me. If you have any more question. email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I notified the credit card company on XX/XX/18 that I did not initiate the following charges on my card : XX/XX/18 XXXX XXXX XXXX CA {$570.00}, XX/XX/18 XXXX XXXX XXXX CO XXXX, XX/XX/18 XXXX XXXX XXXX/XXXX # CA XXXX, XX/XX/18 XXXX XXXX XXXX FL XXXX.

First of all, I have never used XXXX  for any purchases I have made. And secondly, I am XXXX years old and do not use XXXX.

They are saying they researched these purchases and I did make the XXXX purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I found out there is a transaction from XXXX  that billed on my Paypal account, the amount is {$380.00}, this amount has been deducted from my Paypal balance, no credit card involved. I didn't recognize this transaction, so I open a dispute case with Paypal.

After few days, on XX/XX/XXXX, Paypal informed me that they think the transaction is not unauthorized, therefore they can't issue me refund.

I've contacted Paypal, they said there is no way to re-open it, I have no choice but to contact CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ).

This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2019-04-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Services, LLC acquired my loan from the original servicer several years ago. This loan is for an investment property I do not live in. Eighteen, months ago I called Lakeview Loan Services to advise them that I had moved from my old address, XXXX XXXX XXXX, XXXX, Ca. to XXXX XXXX XXXX, XXXX, Ca. XXXX. Upon their request, I had switched to paperless billing, so I do not get statements in the mail. I receive notifications each month that the servicer has received my payments. In the month of XX/XX/2018, Lakeview performed an analysis of my impound account and sent the analysis to my old address, not my email or my new address. The new analysis resulted in a rise of my payment of {$66.00} dollars per month. Because of the shortfall, Lakeview charged me three late payments and reported me to the credit bureau as late 3 months in a row. I have had several mortgages in my life and have never had a late payment ever. During this period Lakeview continued to send me emails verifying my payments were received but never contacting me by email or phone of the problem with my account. Upon applying for a new credit card, I was informed that I had 3 30 day lates on my credit reports, the only lates or unpaid bills I have ever had. I contacted Lakeview immediately and remedied the payments but they refused to reverse the late charges or the negative credit reports. I have appealed this with them but they have not replied. I have also contacted the credit bureaus and filed complaints but to date have had no success. Please help me to remedy this injustice. They failed to up [ date my mailing address, failed to call me. failed to email me of a problem even when they were emailing me every month advising that they received my payments.

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 2021-01-25
Company: Experian Information Solutions Inc.
State: MN
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:
For at least three years now I have been trying to get credit files to reflect that I have a mortgage. When I divorced in XX/XX/XXXX it was agreed by ex husband and myself and done legally that the house was mine. I cleared the title to reflect that and further due to XXXX XXXX it was so ordered he could never come into the house. He left Minnesota and remarried. On XX/XX/XXXX he passed away. Still the XXXX XXXX  wouldnt take his name off mortgage. But that isnt the whole problem- the credit files have the wrong account number and I can no longer dispute this with them. It stands as paid off and closed. I even sent Experion an original bill. But they refuse to change it. XXXX XXXX  stated the account number is in error. Now I would like to repair my house but this along with other in accurate information in files has stopped me. A big chunk of my retirement money goes to the mortgage and I need it corrected. I also want to note here that I have identity theft and that I have not filed bankruptcy- which is one of the numerous reasons that XXXX XXXX  has given as to why they do not report to credit bureaus and as I stated my ex husband has passed away. He had filed bankruptcy. Also my identity theft is linked to this as I have a stalker/cyber and I know who it is. There are many more issues with credit bureaus ( double accounts, accounts open and closed at the same time ) but if I can get your help on this issue I can move to the next problem

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 2023-03-16
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a good faith letter in XX/XX/XXXXXXXX  asking Bridgecrest to remove a couple of 30 day late payments. I was denied. I also asked them to correct late payments placed on my credit report that was paid on time as of this time it has not been corrected. A few days ago XX/XX/XXXX Bridgecrest had my XXXX payment listed on my credit report as 30 days late. The payment was due on the XXXX and I paid it on the XXXX that was 11 days late and not 30 days late. I also sent them documentation from my bank on three other occasions were payment were made on time or before time and it was not corrected. Three payments from last year and prior years on my credit report has not been corrected with the bureaus and they are incorrect. This causes high interest rates on credit cards, high auto insurance, and low credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: EQUIFAX, INC.
State: IN
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 several issues with Equifax at this time : I submitted an online dispute on XXXX/XXXX/XXXX. By law, they have 30 days to complete their investigation. <P/>On XXXX XXXX and XXXX, I checked the status of the dispute and it was still pending. <P/>On XXXX XXXX, I sent the credit bureau a registered letter stating they had not yet given me the results of their investigation within the 30 required days. Nor did they notify me that the investigation would take longer to complete. My letter to them was received on XXXX XXXX, at XXXX per USPS tracking ( XXXX ). <P/>Today, XXXX XXXX, XXXX, I received an email stating the results of my dispute were in. Upon logging into Equifax to see the results ; they had marked the completed date and the credit report date as XXXX XXXX, XXXX. THAT WAS 23 DAYS AGO WHEN THE DISPUTE WAS UNRESOLVED. <P/>To compound the issue further, no information was deleted or updated. Accounts that had been disputed and removed with other credit bureaus ; Equifax stated information was updated, however, no changes are showing made. <P/>XXXX account was " verified '', which no supporting documentation was provided from Equifax. Since the dispute was taking so long, I had mailed in supporting documentation to support my case on XXXX XXXX XXXX. This was delivered to Equifax on XXXX XXXX XXXX at XXXX per USPS tracking (  XXXX ). Upon sending additional information, I fully expected this account to take longer to resolve/delete, however, on the " results '' that I was notified of today, XXXX XXXX XXXX - the account shows " verified ''. <P/>This situation needs to be rectified immediately. Under no circumstances should information be back dated so that a company can remain compliant while not performing the validation and services they claim to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Affiliate Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer. This company hired another company to collect an alleged debt. This company gave this company my personal information which as a consumer is private. Pursuant to 15 usc 1692c, this company communicated with a third party about this alleged debt without my consent. This company is in violation of consumer law pursuant to title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter in the mail today thanking me for choosing to use a Wells Fargo XXXX XXXX credit card. I have never had a credit card of any type with Wells Fargo and never will. It seems as if someone from Wells Fargo has opened a credit card account in my name and I do not appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Why does US Bank not respond to my requests for a mortgage modification? 
From the year XXXX to the year XXXX, I have been asking for a mortgage modification ( please see attached proof ). 

Direct your Attorney, XXXX XXXX XXXX, to cancel the sale he has scheduled for XXXX XXXX XXXX 
US Bank needs to directly with me ( they never have ). 
Stop running Attorneys who run to the State Court to overpower me by giving them a false impression that I am in default on a mortgage loan. 
How is that possible when there is not one on my credit reports? 
US Bank has never met with me face to face as required by HUD prior foreclosure action. 
US Bank has done nothing to help me stay in my home.

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