BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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:
Equifax XXXX XXXX XXXX have been dragging this investigation out in regards to XXXX XXXX XXXX XXXX  ON MY PROFILE the three credit bureus are notorious for lying and responding back verified ATTACHED you will see I have exhausted my attempts to get XXXX XXXX XXXX to prove I owe such for a construction bill that I never knew or bearing my signature the XXXXXXXX XXXX Investigator XXXX XXXX also in the emails attached stating one thing and I am getting another exscuse BOTTOM LINE XXXX IS DRAGGING THERE FEET NOT RESPONDING WELL OVER DUE the credit bureaus need to remove from profile THIS DOES NOT MEET THE FAIR REPORTING LAWS this is been going on for well 60 days. also I would like to add to establish the bureaus generated response 's PUBLIC RECORD VERIFIED AND THE COURT RESPONSE XXXX XXXX Does Not Report To Bureaus so Verified was a lye and still showing on report, they can not report such, the bureaus have to verify from the source this is illegal reporting and a blunt disregard of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
Dispute with TransUnion to follow suit with XXXX in regards to two accounts that was deleted off my credit report 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 2019-09-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.

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 2020-12-01
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I completed a Zelle transaction for {$300.00} to XXXX on XX/XX/2020 for the purchase of a transmission. Per the link sent via text message, the business name is XXXX XXXX XXXX, XXXX XXXX XXXX, the phone number they are texting and calling from is XXXX. 
Said they did NOT receive my payment, XXXX verified twice that they did receive my payment. Rep I'd been communicating with name XXXX and XXXX XXXX demanded a send an additional {$300.00} in order for them to give me a refund. Refused to send transmission and refused to refund my money. I have filed 3 disputes with my bank and they keep saying the money was received by XXXX XXXX XXXX. XX/XX/XXXX disputes manager says this is a scam but they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: MS
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:
To whom it may concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$770.00} for this account. XXXX XXXX XXXX XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then youve continued to report charge off on my credit report, which affect my dola ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau as well as listed below are the other accounts in question. 

{$230.00} XXXXXXXX XXXX XXXX XXXX {$430.00} XXXX $ XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 2021-12-20
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 I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.

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 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.

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 2019-11-07
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Victim of Predatory Mortgage Lending ( NOTE : Will submit evidence docs at later date of complain filing ) : 1 ) In XX/XX/XXXX, Original XXXX XXXX  XXXX , XXXX ( XXXX ) loan was processed without borrower 's consent. 
-- no borrower 's signature on loan application, on statement giving away POA, or on bank disclosure of interest rates, etc. 

2 ) Per unsigned XXXX docs given AFTER loan was processed, initial interest rate was 1.9 % for 5 years. Then, increased to 8.872 %. This would result in total payments of {$600000.00} (!! ) for a $ XXXX loan. This disclosure doc of XXXX also was NOT signed, so that borrower did NOT understand true cost of loan. 

3 ) XX/XX/XXXX-XX/XX/XXXX American Home Mortgage Service , Inc. ( AHMSI ) also withdrew payment via auto-debit AND XXXX XXXX, falsely claiming mispayment and default. The auto-debit and XXXX XXXX were unauthorized by borrower. See CFPB Complaint # XXXX. Please note : Borrower was diagnosed & being treated for XXXX XXXX the same year. 

4 ) XX/XX/XXXX, AHMSI and XXXX XXXX  attempted foreclosure on property. 

5 ) multiple other problems with mortgage companies/collection agencies -- will follow-up with more supportive evidence 6 ) Current status : XXXX & XXXX XXXX survivor, borrower became recently ill. Loan has been transferred to collection agency XXXX XXXX c/o PHH Mortgage Services. When online account was activated XX/XX/XXXX, borrower could not find actual bill statements, or to know exact amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: The Best Service Co.,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: Account status incorrect

Complaint:
The Best Service Company and XXXX XXXX XXXX is incorrectly and incompletely reporting on my XXXX, XXXX and XXXX XXXX report. I have never received any Dunning letters from either company outlining any of my rights as far as disputing the debt as a CA resident. I have already disputed these accounts that are reporting incorrectly and have received no response from my letter dated XX/XX/XXXX and XX/XX/XXXX from either company and the accounts are still there. I request that The Best Service Company and XXXX XXXX XXXX provide me with validation of the debt according the the FCRA. I am also requesting account level documentation proving that this accounts are mine and the method and procedure that you used to validate this alleged debt.

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 2019-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Sir/Madam, I recently opened an Adv Plus Banking checking account in XX/XX/2019, with a promotion bonus opportunity of {$100.00} at the moment of signing-up. Then I made multiple $ XXXX direct deposits into this account in XXXX. However, I still didn't receive the {$100.00} bonus as described in the letter I received for the bonus. So could you please investigate this issue and send me the {$100.00} bonus? 

Thank you very much, 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 2018-02-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a problem intentionally getting the vehicle from the dealership as the term started and it put me behind two months. I have filed a complaint that was ignored. So I took Ownership and continued the payment. Every time I make a payment I would get calls all day everyday even at work and school. It became overwhelming. I told them to stop calling me and the calls stopped for a little under a month. Just recently the harassment calls started again. Now I want to pursue legal charges.

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 2017-12-13
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check in the amount of {$13000.00} after assuring contractor that they would not handle second claim check any different than first claim check. OCWEN has returned check twice without endorsement. Contractor has placed lien on property to recover amount owed. OCWEN failed to provide written documentation of what the process is. Wants me and my spouse to endorse the check first and they will " reissue '' an OCWEN check to Contractor and us. Work is complete and OCWEN inspector has been on site to verify the work ; yet they still refuse to endorse the insurance claim check from XXXX XXXX. 

XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check claiming they need to monitor the work. Can not provide an explanation for withholding their endorsement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted Borrowwer Assistance Package XX/XX/XXXX Rushmore requested more info XX/XX/XXXX Send amended pages as requested XX/XX/XXXX XX/XX/XXXX submitted additional documents as requested XX/XX/XXXX received letter from Rushmore stating my home retention package is complete. Rushmore stated they will send a written determination for foreclosure prevention. 
XX/XX/XXXX received letter of intent to foreclose. 
Spoke to Rushmore representative XXXX XXXX who assured me that the letter of intent is just a formality and as long as my loan is with underwriting they will not foreclose. 
XX/XX/XXXX received request from Rushmore for updated property insurance naming Rushmore XX/XX/XXXX sent insurance via email, fax and fedex XX/XX/XXXX XXXX XXXX started he was in receipt of insurance XXXX page and my file was with underwriting and it should be no longer than another week for an answer. 
Rushmore LM had 30 days as per CFPB Reg X SS 1024.41 to respond to me with an answer about a foreclosure prevention alternative. 30 days was on XX/XX/XXXX. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: LA
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 sent Equifax and XXXX  a letter XX/XX/2020 disputing the negative items reporting on my credit report that is hurting my score and causing my great grief by not acquiring anything. Its old accounts that still reporting more than 7 years, which is a violation and the rest are inaccurate and incomplete.I have left you a copy below with proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was traveling for work and someone stole my information and now i have fraudulent accounts opened under my identity. Please remove these issues immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
remove fraudulent / unauthorized inquiry from XXXX  XXXX XXXX on XX/XX/2022 off XXXX report or provide proof in writing within 30 days

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 2019-11-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a medical treatment at the XXXX Hospital in XXXX XXXX CA back in XX/XX/2017, All the bills were submitted to my medical insurance XXXX which processed the claims and paid what was allowed. 
Months later, I started receiving collections calls from CMRE. XXXX stating that XXXX XXXX XXXX XXXX of the XXXX XXXX Hospital has a bill of {$1200.00} that I need to pay. The same bill has already been processed by my insurance and said the charge was too high but only {$200.00} should be the allowed amount. 

I tried getting more information from the CMRE collection agency but they referred me to talk to the hospital instead ; I then called the hospital which insisted my account has a {$0.00} balance due, all my bills have been paid but asked me to check with XXXX XXXX XXXX personal office about any outstanding bills. I called the Dr office and the assistance told me there was nothing in the system referring to any amount of money owed to them. 

Therefore I called CMRE back again to request the immediate removal of the collection on my account which they refused. 
This false collection has been on my account since XX/XX/2017 and  hampering my ability to maintain a good Credit Score for a loan. 

I need this mater taken care of as soon as possible so I can focus on other aspects of my daily life and future. 

Thank you http : //www.cmrefsi.com/ NameCMRE. XXXX Phone ( XXXX ) XXXX Business TypeYC Street AddressXXXX XXXX XXXX XXXX XXXX XXXX CityXXXX StateXXXX ZipXXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus and emailed to Bank of America on XX/XX/XXXX after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are Bank of America acct no. XXXX and account no. XXXX. After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. I have done this and mailed this information on XX/XX/XXXX the credit bureaus are ignoring it. I have also sent My FTC Identity Theft Report directly to Bank of America. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. Apparently neither the credit bureaus and Bank of America are ignoring the Federal Law and continuing to report fraudulent accounts. According to what I have been told by the credit bureaus and by the FTC Bank of America will not remove these accounts because XXXX and his XXXX friends linked these accounts to the only account I had which was my checking account and made payments until XX/XX/XXXXat which time he was caught by a XXXX County Sheriff ( 2 reports attached ) and dumped. Also noted on my FTC Identity Theft Report is fraud with Bank of America dating back to XX/XX/XXXXwhen my purse was stolen in XXXX XXXX, and closed down and a new checking account opened in person in XXXX, Texas. There were no credit card accounts. 

Please remove these accounts.

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 2017-12-12
Company: AMERICAN EXPRESS COMPANY
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:
Dear company on XXXX XXXX 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} **Above accounts show as Write Offs **

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