BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( XXXX, Equifax and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 XXXX  and Equifax both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i asked for verification of debt certified mail to the collection company security credit services and in a return letter that they sent me there was not a copy of my E-signiture that validates this debt.im asking and request a copy of my E-signiture showing that this debt belongs to me, and if one can not be provided that it be removed off my credit report.enclosed is a copy of letter they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been writing and complaining about Rushmore loans for a number of times to no avail. I have tried to contact them directly but every time you call you talk to someone in the XXXX! I have asked to talk to someone in the U.S. They put me on hold and then you just give up after waiting for XXXX minutes. They are a crook of a company. 
I had a loan modification with another crook of a company called XXXX and they sold my loan to them. I was paying for nearly 2 years without delay an amount of XXXX dollars a month. All of a sudden Rushmore changes that to XXXX and if you are late they add another XXXX dollars! 

I said I would pay my own taxes because they claim that this is because of negative escrow. I can pay my taxes on my credit card which I did just a few days ago. They also lied that the reason for this amount is because my taxes doubled. I went to the county and my taxes only went up by XXXX dollars a year so they are lying again. I do not want to pay almost 600 dollars a month extra when I just can't afford it. I did not sign up for the loan modification to pay this amount. 

I have also repeatedly asked them to have a lower, much lower balance. My note in 2006 when I bought the house was for XXXX. After 12 years of making payments to XXXX, XXXX, XXXX and now Rushmore, I still owe according to them XXXX plus late fees. This is bloody highway robbery. I want a reduction on the principal and I want my payment to be the same as before.

Rushmore is doing an illegal business. I do not want them to pay for my taxes.

Additionally, they all lie. I want a resolution to this matter which I have asked a number of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Kornerstone Credit,  LLC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account from XXXX XXXX XXXX with you and with the three credit bureaus. I did receive a letter from XXXX XXXX XXXX that stated they believe that the account belongs to me and is not a identity theft account. I have asked numerous times to receive paperwork that shows how they determined that and I have yet to receive it. I would like to receive this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Happy Friday TSI / CFPB ; I been getting inundated & abusive phone calls from TSI for unknown alleged debts from XXXX XXXX and XXXX XXXX. I never had any relationship with any of these companies listed.. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be  immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Real Time Resolutions ( RTR ) has been sending me notices regarding an alleged debt ( see attached ). I have sent numerous requests to them to prove up the validity of the debt and produce accounting records via qualified written request ( see attached ). Most recently, I have requested that RTR send a payoff demand and produce the rights to release the alleged lien. Their failure to respond to all of my requests has interfered with the ability to sell my home. Most recently a buyer backed out because RTR would not produce documentation that the title company requested. RTR is in violation of numerous FDCPA, HUD and RESPA laws. I am seeking your assistance on this matter before I proceed with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we requested information regarding a refi of our home for a lower interest rate. We purchased our home XX/XX/XXXX for {$230000.00}. Financed {$120000.00} at a 5 % rate for 30 years. We submitted a standard form and posted it on the Internet. A gentleman by the name of XXXX XXXX was our primary contact. He assured us that with our credit, financial history and stability that he felt sure Cardinal Financial LLC. could provide this service. We paid {$500.00} that day for an appraisal, which we put on our XXXX XXXX. 
As of this date, XX/XX/XXXX we have had 11 revisions, repetition of information scanned to Cardinal. They continue to require information that does not have bearing and is repetitive. We are as of this date XXXX, XXXX terminating association with Cardinal Financial LLC. Delay of completion of this contract, multiple request for additional information previously supplied, concern regarding use of our private information are all factors. Any information provided to Cardinal Financial LLC May not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar approved XXXX XXXX for a hamp 2 mod. Letter dated XXXX XXXX to begin XX/XX/XXXX. XXXX XXXX did not receive letter. I called attorney XXXX XXXX for copy. Got it XXXX XXXX. XXXX XXXX makes payments directly from her XXXX payroll. She had to instruct XXXX payroll of her new payment amount. This took 2 weeks for XXXX to process the new payment amount. Payment was to be {$630.00} XXXX payroll multiplied XXXX by XXXX then divided by XXXX to get the amount to be taken out every pay. Even though that amount would be less than the XXXX every month Nationstar actually got more than the XXXX every month for XXXX months. Nationstar received XXXX pays in XXXX. XXXX x from payroll datedXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$260.00} for a total of {$800.00}. Then payroll payments in XXXX XX/XX/XXXX & XX/XX/XXXX of {$290.00} totaling XXXX, At the end of XXXX Nation star received XXXX when all they needed was XXXX. Then payroll payments of XX/XX/XXXX & XX/XX/XXXX of XXXX totaling XXXX. So Nationstar did receive {$1900.00}, whereas they only needed XXXX by the end of XX/XX/XXXX. I do believe they met the HAMP trial plan payments, even though the payments were partial payments. The Permenters demonstrate the ability to make the payments and should therefore honor the trial plan payments and provide a permanent modification under hamp 2. Also there are checks made payable to Nationstar on XXXX checks from XX/XX/XXXX. XXXX needs a written authorization from Nationstar to void these checks and disburse money to XXXX XXXX This was requested on XX/XX/XXXX. Nationstar still has not provided that written authorization. Had XXXX XXXX received the written authorization she would have had the money to make the full payment herself instead of using the XXXX payroll to submit payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian has many inaccurate information on my credit report that I would like to be removed. Ive reached out the the company and nothing was resolved. I would like for this issue to be resolved.

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 2023-01-03
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 sent money to an overseas account in the XXXX to a person a XXXX XXXX at XXXX. After the transactions were made, I found out that the money wasnt going to that person, but to someone else XXXX XXXX XXXX And then was a constant attempt to get more money from me over {$1200.00}. The money I was scammed out of was {$500.00}. 
I submitted my complaint to PayPal for unauthorized wiring of money, and they investigated and said they could not stop the transfer even when they had prevented the transfer at the time of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
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 fraud alerts or security freezes

Complaint:
This year, as in the distance past with credit card suits ( invalid and unresolved ), none of the 3 credit reporting angencies have responded to my phone calls, XXXX 's or written correspondence. Continuing the scamming of personal funds via court/cop routine. Now I am not able to get XXXX XXXX XXXX for my apartment home without paying XXXX to XXXX and XXXX to 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 2020-11-25
Company: Experian Information Solutions Inc.
State: IL
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:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2021-02-11
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called RS Clark & Associates on XX/XX/2021 to resolve my debt. Before I was able to fully explore my options, the Rep cut me off and let me know that I wasn't able to settle my debt. When looking into a payment arrangement, I was advised that at no point prior to paying would I get documentation for proof of an agreement. Ultimately, the conversation escalated and the CSR said, " well you could just not pay it like you've been doing and let it fall off. '' and " it's not my fault you don't pay your bills ''. Eventually, she hung up on me. 

I called back, and the same rep answered with an attitude. She then transferred me to someone else with the same sentiments. Very rude, and chastised me for having date, and hung it over my head by mentioning that " i'm calling because i obviously need a house, car, etc '' Both were inconsistent with the result of what would happen after I paid. The first advised that if I paid in full, it would be removed. The second one said " we don't do removals. Once you pay, it will show paid in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from American Express, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from American Express, nor did I receive or benefit from one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: STATE FARM BANK, FSB
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: Information belongs to someone else

Complaint:
someone has access to my personal information and is ruining my credit by making outrageous purchases. i have no knowledge of what or who this could be. i lost my bags in the airport summer of XXXX  going to Florida ever since it seems I've had problems in my life.i also filed a report with the FTC yet these companies refused to remove these fraudulent erroneous items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, 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:
I have complained to Equifax about the following inquiries several times. These are NOT authorized. Their investigation is general very quick with a response that they are a factual part of a record. However, I did not at any point authorize dozens of inquiries. I'm in active chapter XXXX bankruptcy and am not even allowed to apply for credit. Numerous complaints and calls to Equifax have gone unanswered and they have never at any time provided proof that I authorized the inquiries listed below. Per the Fair Credit Reporting Act I would like these removed ASAP as they are detrimentally affecting me and they are not authorized. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX-XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  -XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complain is regarding XXXX XXXX and their collection agencies brutal and dishonest practices. I was on deferred plan to pay my gas bill back in XXXX. When I moved out of that rental place and closed my utility account - I recieve my final bill. Since I was keeping very accurate records - I noticed immediately that my last bill for that account was inflated - it looked much higher than I estimated. I disputed it directly with XXXX XXXX and sent them my detail excel spreadsheet reconciliation showing how much you date I was billed for and how much you date I paid. They never even bothered to counter back and show why they think their calculation is correct. They just responded back that if I don't pay the remaining balance - they will make sure to ruin my credit score. And they did. As the last attempt, few months ago in 2020 now I attempted to resolve this matter with their collection agency. I even offered to settle the amount that I didn't owe in the first place. Well, the collection rep. had a very big mouth and nasty attitude ( no shocker ) and said that no matter how much proof and reconciliation I sent to her or to XX/XX/XXXX - it won't matter because I quote " they are always right. '' I feel insulted and unprotected as a hardworking consumer because monster companies like XXXX XXXX allowed to monopolize and overrule the utilities market and abuse their consumers rights. I'm not building much illusion that this complain will solve anything. I'm just putting it out here in hopes to make it public and see if the class action can be initiated against these monsters.

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