BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2021 I received a letter that my mortgage was due in XXXX. I was unaware of that and told Rushmore. I didn't want to use all my savings to pay the balance. I was renting the property at the time and unable to refinance. I'm also retired. The only solution was to accept the Rushmore " rate renewal '' at more than twice the prior rate ( XXXX XXXX XXXX XXXX  ) The tenant moved out in XXXX and I moved back to the property. I now have to borrow from savings each month to pay the higher payments ( + $ XXXX ) in addition to higher food & other expenses due to inflation. I called Rushmore for help. They offered loan modification or other program so I went thru the extensive process, with documents & information. I now received a bizarre letter that I don't have enough income to support a loan modification. Which is why I asked for help. That " rate renewal '' far exceeds the market even with higher rates. I tried to refinance the loan but it adds more to the balance without offering lower monthly payments. Don't they have to provide assistance? Lower interest or refinance the loan to extend the date for lower monthly payments. I can't keep depleting my savings to pay this outrageous inflated rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: SYNCHRONY FINANCIAL
State: LA
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. I am writing to request that you block the following unauthorized information from my credit report. I have no idea how the misinformation come to take place. I pulled my credit report in XXXX, 2020 and there were inquires and open accounts on my credit report that are not mine and ARE UNAUTHORIZED.

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 2023-08-05
Company: CL Holdings LLC
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:
I have on my credit report from Jefferson XXXX system a debt for the amount of XXXX dollars. This is a fraudulent debt reported on my credit report due to I have never received notification of the debt nor have I been provided the proof of validation of the debt showing this is in fact my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: SC
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Bank issued me a SECURED CREDIT CARD back in XX/XX/XXXX. It has taken until XX/XX/XXXX to receive a response letter from them telling me that the CREDIT CARD IS NOW UNSECURED. However, EXPERIAN CREDIT BUREAU is NOT reporting this credit card on my report. 
I have been back and forth with BOTH companies. They claim ( EXPERIAN ) that I have to go back to XXXX XXXX Bank. So I did, they called there back office. Which said, that we are reporting it. I looked on the report and filed a dispute with EXPERIAN and they sent me right back to XXXX XXXX Bank. 
Now its XXXX and I want this agency to investigate it the fullest extent of the law. Thank you all for your efforts!

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 2023-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 been working to correct these errors for several years now and my papers are in storage as i am moving and as i tried to get an apartment is when my false credit scores has effected my life and liberty. the last date was XX/XX/2023 I have been and sent certified letters to XXXX, Equifax, and XXXX XXXX and the day that XXXX XXXX received my request they literally retaliated and sanked my credit score another XXXX points in one day although i had did no business or anything else that should have resulted in a move like that. I have been disputing and writing calling and doing everything in my power to correct these wrongs. The list is too long to put on paper but these companies has all of the documentation as i already had a free account with Equifax do to them breaching my data a couple years ago so all this information is in the files. I have a XXXX dollar debt from a credit card i disputed as well as XXXX XXXX  and several other credit cards that someone that was living in our house must have also took advantage of myself and my wife purse was stolen and her license social security card and all her credit cards was stolen separate incidents. I The companies keep saying that the information has been verified and correct and i say no you are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have spoken to the representative from First Credit XXXX in regards to a debt owed to XXXX XXXX when I did not realize my debit card linked to my account had expired. 
I would like to pay the bill but I have repeatedly asked for a written bill as there are too many scammers out there and I would like to review the months I am being billed to ensure accuracy. 
They keep telling me that I am receiving emails and that is my bill. First, I do not receive any electronic communication from them. Second, I would like a bill mailed to my house, as is my legal right. 
I have not received any communications except for phone calls and my pleas for a written bill sent through the mail are being ignored. 
I do not want this to affect my credit score and I firmly want to pay this debt, but my rights are being violated and I don't know how to go about getting a written invoice from them. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Dear Citi Executive Response Unit : I received your letter dated XX/XX/XXXX ( see attachment ) in regards to the dispute for {$130.00} dated XX/XX/XXXX. I notified Citi immediately as soon as I saw the charge on my Account as per the cardmember agreement that I did not authorize this transaction ; yet Citi did not do anything to protect my account from the unauthorized charge. This is a breach of the agreement by Citi. If this transaction is not removed from my account immediately within 10 business days, I will be pursuing alternative options of resolution outside of Citi for resolution. 
Sincerely, 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I was checking my credit report and noticed hard inquiries that belong to someone else

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 2019-07-23
Company: Opportunity Financial, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been a customer with this them since XXXX of this year. On XX/XX/XXXX I reached out to advise I was having financial issues, as my husband 's job did temporary layoffs/ work reduction. I spoke with a rep who advised me if I could make at least half payments it would keep my account from going into collections, which I have done. Since then they have reported me to the Credit Reporting Agencies and now I am getting collection calls every few hours. I have no choice but to make smaller payments right now. But my concern is, when I was in good standing my credit report was not updated to show good history but it is for negative, I don't think that is fair practice. Also, I did reach out as soon as I had a situation and now I am getting collections calls and letters, I got an email on Sunday advising me I had 30 days to validate this debt as mine. I know its mine, I made a payment as directed. pull the call where I called in, check the emails I have sent. I am trying to do the right thing ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Receivables Management Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit reports I noticed XXXX collection accounts with Receivables Management that I did not recognize as mine, in addition the information reported among the 3 bureaus was all different. I sent a certified letter to Receivables Management requesting validation of the accounts. The letter was received XX/XX/2018 ( certified letter receipt attached ). Receivables Management replied on XX/XX/2018 with what they consider verification, not validation as I requested ( complaint # 1 ) ( correspondence attached ). 
Complaint # XXXX : The billing statement from one of the original creditors ( XXXX XXXX XXXX XXXX XXXX XXXX ) that they sent has XXXX of the accounts listed under an address that does not or has EVER belonged to me. I have never lived/resided in the address provided by the original creditor. 
Complaint # 3 : The billing statements that Receivables Management retained, had copies & mailed from both original creditors ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) are all in DIRECT & SERIOUS violation of HIPAA & both XXXX and XXXX XXXX Privacy Rule which prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ). The creditors furnishing of my alleged account ( s ) information to Receivables Management is not in compliance with XXXX or XXXX XXXX Privacy Act & both the creditor & collection company are in clear violation of Public-Law 104-191 ( HIPAA ).  More specifically, the protected health information that was NOT protected was the description of service on XXXX of the billing statement that stated XXXX XXXX. This personal and private information was shared among companies! The entire purpose for MEDICAL BILLING/CODING is to use codes to protect sensitive & PRIVATION information such as this. On the billing statement disclosed to Receivable Management from XXXX XXXX XXXX violates someones PHI again under the description clear as day spelling out the exact producer! XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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: Their investigation did not fix an error on your report

Complaint:
THE DEPT OF EDUCATION IS REPORTING 2-3 LOANS PER BUREAU ON THE BIG 3 CREDIT BUREAUS. ( acct no. 's XXXX ) ALL ARE INCONSISTENT BETWEEN THE 3.ALL ARE INACCURATE.ALL ARE REPEATEDLY VERIFIED AS CORRECT BY ALL THREE BUREAUS.THE BUREAUS ARE RESPONSIBLE AND FINANCIALLY LIABLE TO ME FOR 100 'S OF THOUSANDS OF DOLLARS IN CREDIT DAMAGE ( which i will sue for, if not remedied ) .THE BUREAUS ARE AWARE THAT 2ND IN COMMAND, OUTGOING COO OF THE DEPT OF ED SAYS " THE STUDENT LOANS ARE AN ABOMINATION.THAT THE DEPT OF ED IS THE LARGEST MOST IRRESPONSIBLE CREDITOR IN THE UNITED STATES.THAT THE DEPT OF ED GETS 5000000 REQUESTS FOR CREDIT CORRECTION PER MONTH AND THAT MOST ARE INACCURATE. '' ALL 3 OF MY LOANS WERE NEGATIVE, NOT CURRENT, NOT BROUGHT CURRENT AND REPORTING NEGATIVELY FOR MORE THAN 7 YEARS IN DEFAULT, LAST PAYMENT MADE XXXX XXXX MONTHS AGO I BEGAN WORKING WITH THE DEPT BUT PRIOR NONE OF THESE LOANS HAD A LEGAL RIGHT TO REPORT ACCORDING TO THE 7 YEAR STATUTE OF LIMITATIONS IN THE FCRA. 
I HAVE ATTACHED THE COO INTERVIEW, YOU CAN FIND HIS LIVE AUDIO ONLINE WITH HIS XX/XX/2019 ABANDONMENT OF THE DEPT OF EDUCATION. 
ALL BUREAUS ARE LIABLE BECAUSE THEY KNOW THAT THE DEPT OF EDUCATION IS REPORTING AND VERIFYING FRAUDULENTLY TODAY AND ON A REGULAR BASIS.

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 2022-09-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had automatic payments set up to my Chase credit card. On XX/XX/2022, I paid {$4500.00} dollars manually. My statement balance was {$3900.00}. However, the automatic payment went through. I was charged an overdraft fee from my credit union of {$30.00}. On XX/XX/XXXX, Chase again tried to apply an automatic payment of the old statement balance of {$3900.00} dollars ( statement balance was paid in full at this point ). I called them on XX/XX/XXXX, to ask why they would an automatic payment again when the balance was paid in full. They said because the payment did not go through, the automatic payment went through again for that amount. I had to call my credit union to put a stop payment, so the automatic payment would stop, which cost me XXXX XXXX. I am asking for Chase to change their automatic payment system if the statement balance is XXXX dollars and for chase to reimburse the XXXX XXXX stop payment fee and overdraft fee from my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 never applied for these companies. I don't recognize these inquiries.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX {$7600.00} is reporting in error. I have tried Mutiple time to correct this matter. Please delete this item from my credit 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: LOBEL FINANCIAL CORPORATION
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:
Thought i had a valid Purchased a vehicle from a Local Car dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XX/XX/20 Was not aware that the Contract was Invalid do to Wrong Name on contract until I fell behind in payments do to Covid-19 and me losing one of my jobs, I contacted Lobel Financial Corp. the loan company, and spk with agent XXXX and a female who said that she was A supervisor, informed her of my hardship, said that there were not able to help me with payment plans at the time that I would need to make payments do to account status. I agreed to post a month payment and kept the arrangement, even though the payment put me in Overdraft with my bank. I wanted to Honor the arrangements, the agent then agreed to allow me 2 weeks for my next payment as I was behind. but then the Car was repo I called and asked Why, I was able to speak with the supervisor and she said that She was aware of the arrangements we made and that they needed more info. Informed that I gave them all that they asked for the assistance and it was denied and then I paid and was able to pay 2 weeks later as agreed and was not able to do to repp. this has effected my credit, I have lost my 1st time home Buyer cert of XXXX do to this hitting my credit. I would like this removed from my credit and to be compensated for defamation of who I am a person and my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America wants to charge my account for replacing my debt card. These fees were not charged. The rep XXXX XXXX wants to charge per phone call at 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 monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
After carefully reviewing my credit file. I am concerned with some items you are reporting for Account Number XXXX and Account name XXXX XXXX XXXX XXXX date opened XX/XX/2017. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, high balance, etc. Please correct these inaccuracies or remove this account from my credit 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 non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MD
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:
Spoke to Equifax today because all of a sudden my husband and I can't log into our accounts. I called in 2022 to freeze my credit report all information at the time was correct and updated. Now they say it is not are refusing to open my online account and are telling me I have to mail them my personal information. I believe that Equifax has been breached again. I want mine and my husband 's credit reports to our new address we have been at for XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation