BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm member of rentreporters.com who report my rent being paid each and ever month to all credit bureaus. Experian, XXXX and XXXX to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my race, color, age, sex, martial status. To qualify for home loans.

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 2022-10-06
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original creditor is XXXX XXXX XXXXXXXX XXXX. Opened on XX/XX/2019. In collections with XXXX XXXX XXXX. The amount is {$1200.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I did not open this account, nor did I authorize its use.

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 2019-07-27
Company: EQUIFAX, 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:
To Whomever This May Concern : Please see the attached letters for Equifax and XXXX. Equifax added on accounts that were removed but they added them back on. I am currently consulting with an attorney to see my options, but with all of my documentation, I have a good chance at filing a lawsuit and winning. Especial since my information was included in the breach, I have submitted Identity theft reports, Police Reports, and more. Equifax just won't remove it. This will be the last time that I submit this through the CFPB before I file a lawsuit. Please remove the Bankruptcy and XXXX XXXX of GA. Please block those asap. 

XXXX, please remove The bankruptcy and XXXX XXXX XXXX XXXX. I have submitted numerous reports and it is still on there. I have no qualms about filing a lawsuit. Please block this information from my report. 

I have spoken with XXXX XXXX and other consumer agencies. They have no information on file for me and I have received that information as well. I have also spoken with the bankruptcy courts. They don't verify any information, so how are we verifying this information when my file is frozen. It sounds like some things are being done illegally. Please remove these items asap. You would think that with the breach that you would be more careful with the information that you are reporting that is inaccurate. 

Also, I never asked for Equifax to update my personal statement. The phone number XXXX was correct on there and then Equifax changed it. I never asked for it to be changed. Please put it back as it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: ALLY FINANCIAL INC.
State: AL
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 recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, the method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my police report to this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX These inquiries are fraudulent : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as rollows : Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX, XXXX XXXX  and XXXX are reporting late payments in the past. 
I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance

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 2023-03-30
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We switched our business bank account from XXXX XXXX to XXXX XXXX and updated it on our square account. 

Square holds nearly {$2000.00} of our money in savings, these funds are from day to day business operations and need to be accessible.

After changing bank account, Square informed us that account funds transfers would be unavail

able for the next 24-48 hours while they review the account to make sure everything is okay.

Flash forward two weeks later, multiple phone calls, case escalated, and we still have no access to our funds. 

We will loose our entire business if we do not have access to these. If this does happen, we will be filing a lawsuit against Square Financial Severices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Capio Partners, LLC
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I spoke to an Equifax agent in regards to several numerous repeated inquiries that I have not made. I even sent in a dispute online on XXXX XXXX,2017 that is still pending and has not been completed in 2 months. I advised the rep that I have in fact called the creditors and sent out letters 2ith no response. I even advised that one of the creditors on my report sent me a letter and it was addressed to someone else. After being on the phone with her for what I felt was over 30 minutes going through my credit report she stated she had submitted it but the next day I received an email with the same information I had sent to the creditors. I even spoke to one creditor who stated my report has only been pulled once, but showing up numerous times on my credit report.Then now I may have been apart of the data breach and have been hung up the face several times when trying to reach someone to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX around first week of 2023. I noticed there was a debt collection {$6800.00} on my XXXX XXXX account opened on XXXX XXXX from XXXX XXXX XXXX with original creditor XXXX XXXX. I disputed it with transunion discussing I never opened a XXXX and has been with XXXX XXXX XXXX  for 10 years now. I have never missed payment with XXXX XXXX XXXX and always completed my payments. I will also not spend this much amount in wireless. My dispute was denied and this is still showing on my credit report on debt collection. I have been working hard to pay my student loans and credit card payments and to have a debt that is mine is heart breaking.

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 2023-10-09
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out to XXXX a XXXX XXXX who i had a leasing contract with before breaking my lease due to XXXX at XXXX XXXX rat infestations. I spoke to the manager to get the issue resolved nothing happened so i moved. XXXX at XXXX XXXX sold my information to Hunter Warfield. I explained the issue to the rep at Hunter Warfield we agreed on an amount. Before paying the balance, I requested from Hunter Warfield a letter by mail or mail informing me the collection will be removed from my credit report. Hunter Warfield was paid in XXXX it is now XXXX and Hunter Warfield is refusing to remove the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NY
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as rollows : Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX, XXXX XXXX and XXXX are reporting late payments in the past. 
I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason one day says your account will be permanently limited, and and the funds on your paypal account will be available for withdraw after 180days. The money on my account is really important for me and my family, so I checked my account from time to time and wish to get updates from them for the withdraw, however, I noticed a total amount of $ XXXX was transferred to PAYPAL by paypal on XX/XX/2020 without my permission and even didnt send me any notification, I wont know it if I dont check my account and the recent activity. I was trying to get help from them, I got nothing but disappointment. Thus, I prefer to I file a report to CFPB to get this issue resolved, the email for my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express Delta SkyMiles Card I had a promtional offer on my card with the promotions below : 1. XXXX statement credit ( on pic ) 2. XXXX bonus miles ( on pic ) 3. 12 months intro 0 % APR ( told on phone ) I have not done balance transfers, never closed amex cards, first time card holder, never missed any payments, high credit scores, applied and did not receive notification did qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: NV
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. 

Experian Name of Account Account Number XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2022-10-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX XXXX I was offered a forbearance plan by my loan service company, XXXX XXXX XXXX XXXX  I accepted the assistance with the understanding that at the end of the forbearance period, which was left open due to the Covid-19 Pandemic, I would simply be able to resume payments and that all payments that were skipped would simply be moved to the end of the loan contract. 

Soon after, only a few months, my loan servicing was taken over by Rushmore, the company mentioned above. This company allowed me to extend the forbearance until I requested by phone in XXXX of XXXX to allow me to resume payments. This request was refused and I was told that I would have to submit financial documentation in order to resume payments. 

I complied and finally on XX/XX/XXXX, received a letter from them denying my request to resume. This letter, dated XX/XX/XXXX, states that I have 14 days from that date to list my home for short sale in order to avoid forclosure. By phone, Rushmore 's customer service representative stated that my only alternative would be to make up all of the payments that this Forbearance plan allowed me to skip and then I could resume payments. This appears to me to be some sort of predatory lending scheme in order to take my home from me. 
My home is worth nearly double what is owed on it and I do not want to sell.

I have attached copies of Rushmore 's Determination Letter, My appeal to Rushmore, and my request for all documentation from the original loan up to this denial letter. I want them to send me copies of every document in their file on my loan including the original loan papers from the original lender, all loan transfers and everything that contains my signature or initials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: NV
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:
By the fair credit reporting act, this credit has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 604 a section 2 a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a credit may not treat a payment on a credit card account under an open end consumer plan as late payment for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: DE
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:
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 XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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. The above companies have not verify proof of my identiy, drivers licence or signatures

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past couple of years I have been disputing charges from XXXX XXXX XXXX XXXX, I initially signed up for a treatment package up to {$1500.00} with Comenity Bank and treatment was going to be rendered for about 8 months. After my consultation I made an appointment and when I showed up to the facility was closed, shut down and out of business. I made numerous attempts to contact them by phone without any luck. 

I did make a few payments and contacted Comenity Bank and later the collection company XXXX XXXX but they were not able to negotiate. 

These charges/services were not delivered as agreed and I truly believe this should be deleted from my credit report as it is hurting my credit. 

Please help, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: The CBE Group, Inc.
State: KS
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 company is violating the fair credit reporting act by listing a fraudulent account which is not mine on my credit report.

Company response to consumer: Closed with explanation