BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX I responded to an e-mail from Rushmore Mortgage saying " I may be eligible for re-financing '' on the mortgage they currently provide to me at my primary address. On or about XX/XX/XXXX I got a call from XXXX XXXX a Rushmore rep. Between then and XXXX or so we had ongoing e-mail and conversation. On XX/XX/XXXX Mr XXXX confirmed offer of 2.5 % 30 year mortgage with {$2900.00} in closing fees to be rolled into mortgage that would close in XX/XX/XXXX. Since then I have responded to all their onerous info requests promptly ( within 24 hours ) and completely, even though 1 ) Mr XXXX had told me there wouldn't be a lot of info needed from me because they were merely re-writing an existing loan on the same property because I had such " a good track record '' with them 2 ) the info requests for duplicate and triplicate requests for info that had already been provided. On XXXX XXXX Mr XXXX confirmed that my refinancing would be for 30 years@ 2.5 %, costs rolled into loan, and I'd get a {$2000.00} credit (? ) Date TBD. XX/XX/XXXX I became alarmed when I received notice from the homeowner 's insurance company for my weekend house that Rushmore Mortgage had been added to that policy as the mortgagee. Rushmore has no mortgage on that property! Likewise, on XX/XX/XXXX I hear from the homeowner 's carrier on my primary residence telling me she had heard from Rushmore about a mortgage on my primary residence that was scheduled to close that day ( of course I told her it was news to me ) I e-mailed and spoke with Mr XXXX, yet again, about the mortgage status last week. He told me his problems and had no idea of my e-mail about the XXXX XXXX  change or XXXX XXXX  XXXX call. I asked for him to get back to me by Monday XX/XX/XXXX with explanation and a closing date. Because I hadn't heard back from Mr XXXX by XX/XX/XXXX, I contacted CFPB and filed a complaint. Because my bill from Rushmore refers to them, of course, and to XXXX XXXX, I said the complaint was with Rushmore. I received their response late last week telling me to contact XXXX XXXX. So, here I am again filing a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: ONLINE Information Services, Inc.
State: PA
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:
Online Information Services placed eight accounts from XXXX XXXX XXXX on my credit report without ever contacting me to verify the bills. They used really old contact information and the wrong policy number. I called them ( XXXX ) and told her about the mistakes to which she replied ( XXXX ) that contacting me was a " courtesy '' and she was under no obligation to contact me prior to putting the accounts on my credit report. Hence, I was never contacted. Then, in a letter from the provider sent me dated XX/XX/XXXX, all charges where XXXX  out. Still, the collection items appear on my credit report ( XXXX XXXX and XXXX. ) In addition, XXXX XXXX placed three old collection items on my credit reports from yet another XXXX XXXX, XXXX XXXX. These bills dated back to XXXX and XXXX. Again they had incorrect contact info and policy info. I called their Patient Advocacy number, XXXX on XX/XX/XXXX and was told= verbally that they would remove the bills from the credit bureaus. They, too, still appear on my credit report. 

In XXXX, the same thing happened with another XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Once again, they used the wrong policy number and contact information. I filed a lawsuit because they destroy my credit and just reaches a settlement with all parties involved. Once again these new incorrect items are on my credit reports and my credit has taken another hit. 

I believe that there is something wrong with how XXXX XXXX are conducting their billing and collection efforts. Three separate XXXX XXXX, all billing when I was inpatient, all had the wrong policy and collection information. What makes this especially suspicious is that since I was inpatient, all providers should have gotten billing information from the information given at the time of admission. During my three hospitalization ALL OTHER PROVIDERS got the correct information that was sent to the insurance company. Because I am XXXX XXXX, at least 90 % of the bills would have been paid in full because I almost always reached my out of pocket maximum in the first quarter of the year. 
Please let me know what needs to be done to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act US SM BUS ADMIN ODA has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Public record information inaccurate

Complaint:
I recently pulled My credit report and seen that I had a lot of unknown addresses from XXXX Ga and credit inquires and a filed Bankruptcy in my name. I have no knowledge of these accounts, addresses and inquires.

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 2019-12-25
Company: AR Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed a debt collection on my credit report several times now. The company is AR Resources and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this AR Resources keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to Nelnet in reference to a several student loans they service for Department of education that are being reported on my consumer reports with XXXX, XXXX  and XXXX  after they denied my identity theft claim. I believe these accounts are erroneously listed on my consumer report. In response to my inquiry Nelnet sent me a generic form response and provided some additional copies of alleged account transactions. Furthermore on one document thay claim to be reporting the accounts on my consumer report correctly and accurately based on the fact that I allegedly acknowledge ownership over the accounts by applying for deferments/forbearances. They provided a " Deferment and/or Forbearance History '' document. I still reasonably believe that these accounts are being listed on my consumer reports are erroneous and should be deleted. The documents Nelnet provided to me do not prove that the accounts in question factually belong to me. 

Please see attachment. I have attached documents that Nelnet used to determine that the accounts in question allegedly belong to me and ask for clarity in the form of additional documentation to support their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Valor Intelligent Processing, LLC
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had internet service from XXXX. It was supposed to be free for a certain time, and then I would be billed. I received the modem and set it up. It never worked. I reached out to the sales rep that came to my house and he was no help. In XXXX my sister got sick, I was staying at her house whenever I wasn't working. In XXXX, she was admitted to the hospital with XXXX  XXXX XXXX and was XXXX  from XXXX - XXXX. I forgot about the service until XXXX dropped off a box for me to return the modem, I still had my XXXX XXXX XXXX XXXXXXXX since I never got XXXX XXXX to work. I returned the modem in XXXX, they received it Friday XX/XX/XXXX at XXXX XXXX in XXXX XXXX, TX. They are still charging me for the modem. I sent them proof they received it. They keep saying they can't remove the charge only the collection agency can. I talk to the collection agency and they say XXXX has to tell them to remove it and haven't. I have tried to do a 3 way call and both companies refuse. XXXX even claims they can't access my account anymore. I went into the XXXX  store and they told me they could access my account and they were unsure why the telephone reps said they couldn't. The first collection company they sent the bill to disputed the charges after I sent them proof the modem was returned, and XXXX just sent it to a different company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: FREEDOM FINANCIAL NETWORK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Freedom Debt Relief is charging excessive fees for services not completed. Freedom Debt Relief charged {$1300.00} collection fee and only paid out {$50.00} to the XXXX XXXX for settlement. Freedom Debt Relief made a settlement with XXXX XXXX {$8500.00} to {$3800.00} and paid them a total of {$50.00}. Freedom Debt Relief states they are due thec {$1300.00} settlement fee. I terminated Freedom Debt Relief for taking long period of time to resolve my other five debt, which were starting to be charged off. This would start legal proceedings. I believe Freedom Debt Relief are doing fraudulent actions. Freedom Debt Relief are charging extreme fees for doing nothing. I as a consumer trusted Freedom Debt Relief to represent me in a trusting manner, I did not do a XXXX review of Freedom Debt Relief, I would have seen the bad reviews, they had accumulated. 
Freedom Debt Relief stated they will only return {$280.00} out of a total {$1700.00} amount I contributed to them. Freedom Debt Relief only settled one of six of my debts. Freedom Debt Relief states that upon my termination, that settlement is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection account from SUNRISE CREDIT SERVICES for a XXXX company XXXX in NJ. I have never lived in NJ. I have called sunrise and the XXXX  company multiple times and they have not been able to fix 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 2019-12-25
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 and on XX/XX/XXXX of 2019 per certified letter with tracking # XXXX I contacted credit reporting agency Experian XXXX XXXX XXXX TX XXXX regarding reporting of fraudulent Credit accounts on my credit report, out of 5 accounts they only deleted one fraudulent account and they are still reporting fall information about me.

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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX  XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Loan Depot in XX/XX/XXXX and after working with them for six months, they finally declined me in XX/XX/XXXX. Loan Depot did not treat me fairly, did not use appropriate underwriting methodology, and failed to include all of the verifiable income that my wife and I make. In addition to the unfair underwriting practices, I was also left in the dark about my approval for a very long time. I have evidence that they decline me on XX/XX/XXXX, but I did not receive the decline letter until XX/XX/XXXX ( I have the postmarked envelope ). The Lender wasted the time of my tenants, my wife, and tax accountant, and myself through 120 hours of communication for underwriting, prepping for the appraisal ( which they ordered and completed ), and preparation for multiple stages of the loan. Lastly, they also discriminated against my wife and I due to my wife 's line of work and the disparaging comments the Loan Officer ( XXXX XXXX ) made to me in which he at one point said " do you know who you're dealing with '' while on the phone with me and was threatening. I wrote various statements of explanation to them, provided numerous reports of income, but they did not reflect all my income and refused to use the correct income for my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

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 2023-10-01
Company: Dave Operating, LLC
State: OK
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I am in a roommate situation. I believe a roommate to have gotten in my purse and stolen things such as cards or account information in order to steal money from my accounts. About the same time my phone was hacked and the XXXX play app to this company " XXXX '' as well as my government XXXX XXXX card used to get XXXX payments were stolen and a large amount of money taken. When I called who I thought was customer service and requested simple info like where the transaction history in the app was or to dispute the irronius charges they refused to do so. Claimed I was not verifying my identity because I had changed addresses. I was and still am able to open the app. But somehow unable to do simple things like change my address. See purchase history. Actually get any logical answers from " live chat. Etc. 
Clearly the person 's are not legitimate business people and are diverting my attempting to get stolen money back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
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: Account information incorrect

Complaint:
Reported fraudulent reporting to all 3 agencies, Experian, XXXX, XXXX. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 + months, totally decimating my excellent credit.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Official Identity Theft and Fraud Report that was filed with the FTC, was mailed along with a notarized copy of my Identity and Victim statement of the Fraud. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XX/XX/2020, then again a second time via Certified Mail # XXXX signed and delivered on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my identity. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX/XXXX and XXXX XXXX ( x2 ). Pay close attention These Fraudulent accounts are also included on a notarized victim of fraud statement. The letters and theft report clearly identifies and state all the fraudulent accounts. With that being said, Transunion is also in violation of Section 623 & Section 611 ( A ) ( 1 ) of the FCRA as well as violations of the Section 611 ( A ) ( 5 ) ( B ) ( ii ) for failure in notifying me prior to reinserting fraudulent accounts that were previously deleted on two different occassion. 

Legal action will be filed in a Court of Law. Transunion must immediately delete the identifiable fraudulent accounts highlighted in yellow upon immediately receiving this complaint or Transunions Registered Agent will be served with a notice of Legal Process in 3 days from now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief