BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: IA
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:
Please look into these negative items on my credit report I have disputed these items more then 30 days ago and have not received any validation or any confirmation which is a fcra violation these companies have also been harassing me this matter is extremely frustrating

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: EQUIFAX, INC.
State: IA
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:
Please look into these negative items on my credit report I have disputed these items more then 30 days ago and have not received any validation or any confirmation which is a fcra violation these companies have also been harassing me this matter is extremely frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress
Consumer complaint received 2022-01-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I went to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for assistance with my mortgage and loan modification application. With the help of a housing counselor we submitted the complete application and called every 3 weeks for a status, each time i was asked to provide additional documentation ( check stubs, 1099 letter of explanation etc ). I provided all information requested on XX/XX/XXXX, I called the lender for a status and call was lost after more than an hour hold. I called back on XX/XX/XXXX with Housing Counselor on conference, and after an hour hold call was dropped. We conference call back and after 1 hours same thing, call dropped. 
We called for the third time and spoke with someone who states the application was denied as they were waiting for profit and loss. The profit and loss was previously submitted on XX/XX/XXXX. I called the end of XXXX before the holiday and was told to call in a week or tow. Then the customer representative states it was denied as the profit and loss statement was not signed. I advised it was signed on line 1. she placed the call on hold and hung up. I am submitting another application, however, i can concerned that i will have the same issues and i am not getting help and timely information to comply. This prior application was decisioned before I was able to comply. I am still waiting for the letter of denial sent XX/XX/XXXX per the lender. I have attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 explanation
Consumer complaint received 2018-02-11
Company: Amsher Collection Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/2017, I contacted XXXX XXXX about switching from XXXX to XXXX XXXX after paying and {$80.00} dollar fee I decided to stay with XXXX I contacted XXXX  XXXX and advised them that I was not going to use there service shortly there after i received a ststment for {$160.00} dollars i contacted them again and was asdised i owed the {$160.00} and i told them I never went in to XXXX to start service and was advised to send back Sim card which I did i requested a return of my {$80.00} dollars and was assured i would receive same several months later i received a letter from AmSher collection services , INC that my account number XXXX with XXXX went to collections i contacted AmSher and was sent documents via XXXX which i filled out and sent bact to XXXX several weeks I received a letter from XXXX that I didn't owe any money to date i hav n't received my {$80.00} dollar deposit and are continued to be contacted by XXXX for payment although I contacted XXXX with no result. also XXXX sent to credit reporting companies that i owe this debit which is affecting my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit 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:
When I returned from a 2 month trip out of state near the end of XXXXXXXX XXXX I found I had recieved letters from various credit card companies denying request for credit or asking for more information. When I called these companies Requests had been made on line around XXXX XXXX XXXXXXXX further investigation found that someone had my name, address, email, phone no., social security number and my drivers license number. 

I filed ID Teft report with FTC and police report with XXXX XXXX Sheriff I also recieved a letter in the mail from Bank of America stating that my credit line had increased. I had receved no other form of communication from BOA at that time. 

When I reviewed my statements, I found a {$22000.00} balance transfer of {$22000.00} was made on XX/XX/XXXX to a XXXX Checking account that was not in my on tthe account. I called XXXX and was able to verify my name was not on the account and they notified me that that account had been closed due to fraud. They would not give me name or address on the account. 

My first call to Bank of America was XXXX  when they opened a claim and credited account. 
XX/XX/XXXXXXXX  denied said I had seen the statments and paid on the card. Problem was, I did review statements while on vacation. i simply paid a little more than minumum on the cards to keep them current XXXX re-opened XXXX denied XXXX called again Gave BOA the information on the XXXX Transaction and the it was closed due to fraud. Told it was escalated. 
XX/XX/XXXX denied XX/XX/XXXX called and verbally asked for documentation used to make the decision. 
XX/XX/XXXX Called and requested infor again. Mailed registered letter to BOA requesting documentation on the transaction and the decision to deny calim. i also submitted copy of police report and identity theft report. 
XXXX BOA recieved letter XX/XX/XXXX Called and was told claim is still in progress XXXX called and told claim was denied and closed out, but the last message I recieved was XX/XX/XXXXXXXX - tried to get a supervisor, but was disconnected while waiting. 

It's frustrating that I have recieved no communation from BOA since XX/XX/XXXXXXXX I recieved no communication from BOA when a {$22000.00} transaction was made by phone. 

Bank of America has not done due diligence in investiagating this fraudulent transaction or responding to my questions and requests for documentation.

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 2022-02-02
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage is our mortgage servicer. They purchased our loan from the original company we initiated the loan from. Our mortgage is escrowed for our taxes and insurance. We pay the payment each month on time and it includes the escrow amount. The property taxes were due on XX/XX/XXXX. PHH had money in the escrow account but did not pay the taxes. 

Both my husband and I have called the company NUMEROUS times as well as sent in letters by email and mail. Once someone from customer service does answer the phone they end up transferring us to an " escalation specialist ''. The escalation specialist tells us they are taking a look into the problem. 

The property taxes are now 62 days delinquent as of XX/XX/XXXX. We have accrued {$160.00} in penalties and fees. The money is sitting in our mortgage escrow account and has been all along. Each time we call we get the runaround but nothing ends up getting resolved at this point.

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 2022-12-12
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX and since that time have done about {$150000.00} in upgrades. After these upgrades were completed I contacted my mortgage company Mr. Cooper to ask them about having my home reappraised so I could have the {$120.00} a month PMI removed from the mortgage. At that time XXXX of XXXX, I was advised that I would need to speak to someone at the company to get that information. When I received a call from the Mr. Cooper rep all they tried to do was sell me on a refinance and cash out option and said that they would send me the contact information for the appraisal company that I am required to use. As per the company rep I am not allowed to use any other appraisal company and if I do the results will not be valid. I requested the contact information to call appraisal company and set up inspection, i did think this was a little weird as i work in the insurance industry and we have to give out at least three options for clients to get work completed, I didn't think the mortgage company requiring us to only use their appraisal company was legal, but requested the information, rep said he would email it, i never received the phone number so on XX/XX/XXXX I contacted the company again and asked for the contact number for the appraisal company they required i use, at that time they told me again a rep would need to talk to me and again an agent called me to refinance but did not provide the requested information. Then on XX/XX/XXXX and XX/XX/XXXX i reached out again to the company to request the information directly through my online portal with the company, supposed to be a direct email to the company, and they have still failed to give me the contact number for the appraisal company and i am now still paying for PMI when i no longer need it but can't get it removed as they wont provide me with the company contact information for the company they are telling me i have to use

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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:
On XX/XX/2021 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 do not recognize these credit inquiries on my credit report and I ask for them to be removed and the credit bureaus did not do as I ask XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NV
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:
Hello Yes Im having trouble with the 3 major credit bureaus. you guys are not conducting reasonable investigations on Fraud Accounts. 
XXXX XXXX XXXX  # XXXX Does not belong to 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 explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: SC
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 consumers right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 7 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 2022-01-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone. 
Thier actions are illegal.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACATIONS DONE BY 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 2022-12-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation