BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-24
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The aforementioned credit collections agency National Credit Systems INC. representing XXXX XXXX apartments has violated the FCRA by not providing documents to me in regards to this debt. ( account number is XXXX in the amount of XXXX ) I am unaware of this debt, I have asked for validation of the debt owed as well as validation of contract and to no avail has the company provided me the necessary information requested in the allotted time. My first initial request for this information was XX/XX/XXXX never received anything pertaining to this debt. this account remained unverified and then on XX/XX/XXXXthe debt was removed from my account. However, upon checking my credit report XX/XX/XXXX I saw that said collection agency had placed collection account back on my credit report without proper notification of doing so I was completely unaware. By law they were to notify me within 5days which they did not! 15 U.S code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after reinsertion or, if authorized by consumer for that purpose, by any other means available to agency.
Again, I reached out to said agency requesting information again and advising them that they were in violation of FCRA on XX/XX/XXXXXX/XX/XXXX the agency then removed the debt from my credit reports, but again without proper notice the account was then reinserted. I filed a complaint with the BBB onXX/XX/XXXX because of this violation ( case # XXXX ) and the company responded back that the account was not able to be located however said account is reflecting on all three credit reports. This account is unverified and immediately needs to be deleted from all credit filesXXXX, XXXX and XXXX.
The business is require to disclose to me all of the documents that they recorded and retained in their files that pertains to this " Debt '' and they failed to do so in the allotted time, National credit System has violated FCRA in more than one way and needs to retract this from my credit file immediately!! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
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: Credit inquiries on your report that you don't recognize

Complaint:
Good morning, this is my third time trying to solve this issue with Equifax and XXXX they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father passed away in XX/XX/2020. I had been paying the mortgage till XXXX or XXXX when bank accounts were frozen after learning of his passing. Due to covid-19 it took longer then usual to get the surrogate letter done, opening up an estate bank account and so on. During this time ( XXXX 2020 ) we were receiving calls for the mortgage from the mortgage company ( Rushmore Loan Management Services ) and i explained to them every time that he had passed away and we are doing what we can with getting his estate done and once we have everything settled we would be paying the mortgage in full. Of course because i was not my father they did not care one bit what i was saying to them and continued to call harassing me for payment. 
On XX/XX/2020 i faxed ( # supplied by Rushmore ) all needed information ( Surrogate  letter, death certificate ) so that i can be added to the account and discuss the payout with them. XX/XX/2020 I call them again to get an update since i had not heard from them. Person i spoke with ( XXXX ) said there were no notes in the system that i had sent any information and then proceeded to tell me the fax # i sent it to he does not know where that went and supplied me with a new fax #. XX/XX/2020 i call again and speak to another rep ( XXXX  ) and he states again there are no notes that any paperwork has been received. He asked me for the fax # 's i was sending them to and now i am being told the 1st number was correct and that he does not know what the 2nd fax  number given to me went to. 
All i want is a payoff amount so i can pay this mortgage off and close out my dads estate and move on. Having to call this company several times and keep getting the run around is crazy and it is not fair to someone trying to deal with an estate. These people have no compassion or care one bit. 

Rushmore Loan Management Services XXXX www.rushmorelm.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: HYUNDAI CAPITAL AMERICA
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: Information belongs to someone else

Complaint:
On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, HYUNDAI MOTOR FINANC add a hard inquiry on my credit report per XXXX 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a XXXX  XXXX account that was paid in full due to a court order garnishment. On my credit its showing as a charge off. I have Submitted the court ordered supporting documents and the corrections were not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This was back a while but we never knew about this chance to be heard. Navient/Sallie Mae would not allow me to apply payments above the monthly amount due to higher interest loans and instead applied anything over and above the amount due to the loan with the lowest interest rate. They would not let me decide where my payment was going. On several occasions we had spoken to numerous reps to get information and we would just get the runaround and be passed to the next as if they didn't know what we were talking about. Their whole system was wishy washy and confusing and we know we were not the only ones who were confused from this company. We were extremely angry and it stressed us out. Our money owed would change unexpectedly.This finally stopped but had been going on for 5 years prior to this. 

On another note, Now we have finally paid off two private  loans. So, after doing so, now our Interest Rate went up. Not sure why this is either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Im an active Credit Report checker. I check all 3 credit bureau at least 4 out of 7 days. I missed there being inquires I didnt recognize on TransUnion & Also XXXX XXXX They both report the same names for the accounts on both bureaus! 

TransUnion - XXXX. XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX - XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/2022 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 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
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 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 an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.

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 2018-12-06
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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:
On XX/XX/2019 I made a purchase in the amount of household items {$61.00} from a website XXXX  The website made numerous false claims, including incorrectly described merchandise, fake favorable reviews, fake XXXX  accreditation, fake customer service contact information, fake identity and address, and fake return privileges. 

I paid for the transaction via XXXX using a Bank of America credit card, and subsequently disputed the transaction with Bank of America. Additionally, the website XXXX is now subject to an active fraud warning from the XXXX XXXX XXXX ( XXXX  ), due to an extremely high volume of fraud complaints from many customers. 

Unfortunately, I have been unable to resolve this complaint. XXXX is KNOWINGLY defending merchants who process international money transfers under false identities, and KNOWINGLY defending merchants with active fraud warnings from XXXX. Bank of America has failed to address this situation in a reasonable and timely manner.

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 2018-02-28
Company: Sa-Vit Enterprises, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is attempting to collect a debt from me that is not mine.

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 2020-07-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX/XXXX  directly and by law, they must recall the account from Convergent Outsourcing , Inc . Therefore, Convergent Outsourcing, Inc. has no legal reason to be reporting on my credit reports and must delete.

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 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The reason I am writing to you is to inform you that TransUnion is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/2019 with my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. 

I know the law gives this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing this fraudulent account. For yet another time, my personal information was compromised and as a result, this FRAUDULENT ACCOUNT was included on my credit report without my consent or authorization. 

I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent account included on my report. Below is the fraudulent account that I need to be removed Asap : XXXX XXXX : XXXX See documents attached.

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Submitted multiple investigation requests to the CRA on XX/XX/2021, XX/XX/2021 with subsequent complaint to CFPB - complaint # XXXX. 

It is my understanding that as a consumer, I have a right to complete and accurate information reported on my credit file. It is also my understanding that the credit reporting agency ( Transunion ), by law, must investigate and update with complete information or delete the item from my file. 

Transunion has not properly investigated my dispute. They have not accurately updated my consumeer report, nor have they removed the item that they could not verify. 

The CRA/Transunion is reporting an inaccurate " current status '' of " Charged off as bad debt ''. The report shows a 7 year period with no late payments. My Transunion report has reflected this unresolved discrepancy for several months with no resolution afforded to me by the Fair Credit Reporting Act.

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 2019-06-04
Company: Experian Information Solutions 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 information incorrect

Complaint:
I written all three credit reporting agencies to complain about inquiries that have been placed on my credit file without my knowledge or consent, Either written, implied, or authorized I have requested all the accounts be verified by the agencies under the ( FCRA ) guidelines I ask them to show proof of and and all signed contracts, with my wet ink signature ... .. 
My second letter was to inform the agencies that they didnt do their due diligence in trying to properly verify the validity of these fraudulent inquiries if they were assisted by a computer programming system instead of actually, Physically seeking the truth in this matter I was never shown any original documents barring my wet ink signature Or any signed documents of proof.

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out multiple times to bureaus and debtor to resolve this issue. I have a 90 day late pay for an account that was on default until I became employed or until I was able to make payments. I no longer lived at address this company had on file never received any email of any kind telling me my default had ended nor was I explained the process of how long the default would be for. I reached out after receiving alert on credit report. I feel that this was my first time ever having to set up employment default that I should have been notified or at least given details in writing of how the default worked. I have also requested in writing multiple times for both bureaus and debtor to provide proof of how this debt has been verified but have yet to be provided method.

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 2018-07-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Me and my husband were reviewing our account and there was a withdraw from my business account in the amount of {$1900.00} posted on XX/XX/2018 stating " Debit for {$1900.00} a withdraw Misc.  debit did not post on XX/XX/2018. Reference # XXXX. '' We never withdraw that amount at all at any branch or at any ATM or it would state the location, and we keep records and always check our accounts. We spoke with multiple agents on the costumer service phone number and the first agent mentioned that this was a Chase error, and that the funds were taken out of my account on mistake by the system and she started a research request that same day. On XX/XX/XXXX, Another agent, which I have his extension number and have been more in contact with, stated that on the withdraw slip shows a different signature that don't match mine or my husbands. We do not have any other authorized people in the account. Clearly this transaction was made by an unauthorized person. And why would the transaction be posted 2 weeks after? Then he transferred me again to someone that would further assist me and this last agent said that my funds would be available within 4 days. Today is XX/XX/XXXX and my funds have never been credited. Called the same agent and transferred me to another. He stated that the research was closed because they said that the funds were withdrawn on XX/XX/XXXX. I told them, you have on your notes that we never withdraw that money at all. We repeated many times in multiple calls and the signatures don't match according to one of their own agents. My money is being stolen right in front of me and I need help from someone that cares. I might have to hire a lawyer to help me out and set this right. {$1900.00} can't just disappear. This is my most reliable contact from chase XXXX ext.XXXX the only agent that seems to know what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I can not dispute anything on Experian online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access XXXX at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to XXXX  XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

Experian and XXXX both did not update my legal name in their system. It should have me listed as 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MD
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 XXXX Account # 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 Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number 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