BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to unfreeze my credit report at Equifax on XXXX XXXX, 2021. I was unable to access my frozen account even though I had an account when I froze it. Unable to retrieve password. Called Customer Support and they were no help even though company says call Customer Support to unfreeze an account. Equifax was completely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: LOGICOLL, LLC
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:
On XX/XX/2021 I received a collections letter from Logicoll , LLC about an unpaid debt. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA Logicoll , LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a home equity line of credit on my home approx. 8 years ago with XXXX XXXX. I paid it off about 7 years ago and never drew on it again. In XX/XX/XXXX XXXX  XXXX advised me that I would not be able to draw after XX/XX/XXXX. I understood this communication to mean that my account was closed, since I had a XXXX balance and wasn't able to borrow anymore. 

In XX/XX/XXXX I received a notice that my loan servicing was being sold to Rushmore. Since I didn't have anything to service and my account was scheduled to be cancelled in XX/XX/XXXXI took no action. 

In XX/XX/XXXX, I scheduled the sale of my home for XX/XX/XXXX. On XX/XX/XXXX, my  attorney sent a fax to Rushmore to request a pay-off letter. Approximately a week later my attorney called Rushmore, who told him I had to sign the fax request. I signed it and he resent it on XX/XX/XXXX 

When we still did not receive the pay-off on XX/XX/XXXX, I called Rushmore and asked for the payoff. They were confused because I had a XXXX  balance. I asked them to fax the pay-off to my attorney, and had to repeat the fax number 3 times because the Rushmore employee kept transposing the numbers. 

On XX/XX/XXXX, I called Rushmore again. I got an employee who said this was the first communication they had received according to their system. I told them they need to do a better job of updating their system. I asked to speak to a supervisor, and spoke to XXXX. I begged him to get the payoff out to my attorney so that money would not be escrowed at closing. He told me I needed to pay {$70.00} to issue a release. I paid it via credit card that day. 

On XX/XX/XXXX, my home sale closed, and we had no word from Rushmore. Due to the HELOC lien, in order to close we needed to leave $ XXXX in escrow ( for a XXXX balance loan ). 

The following week, my attorney contacted Rushmore, and now they told him they faxed the pay-off to the wrong fax number ( fax number still transposed ) and they couldn't deal with him because they had to speak directly to the borrowers. My attorney then received a letter advising that the status of the loan is XXXX, which is not a pay-off letter. So I am still unable to get my money out of escrow. 

On XX/XX/XXXX, I called Rushmore to see what was going on. I spoke to a supervisor named XXXX who told me that Rushmore has 30 days to issue the release according to XXXX XXXX, Illinois, so I can expect my release on XX/XX/XXXX ( which is not 30 days from my first request, or from the date I paid for the release. ) Due to XX/XX/XXXX sale of my XXXX balance loan which they had advised me they were closing, and Rushmore 's incompetence, I was required to pay a {$160.00} escrow fee as well as experience the escrow of over {$30000.00} despite not owing any money on this loan for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: IL
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 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.

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 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Frauding scams using XXXX Indiana serial Numbers of my great great grandma and grandfather fraud as business permits and ids scams and parks and school 's and building signage as court business permits and lawyer 's scams and doctor 's scams and others internet scams

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 2021-02-08
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
They reported all my accounts as 'Not Current ' in XX/XX/2020, yet I made payments in XXXX and XXXX that would have covered my XXXX payments. They show XX/XX/2020 as current. 
When I called to ask if I can make the XXXX payment they declined because I am not a current student. 
It does not make sense to me that they reported XXXX as not current and applied my payments to XXXX. 
I do not know but it seems that once they applied COVID-19 deferments things were incorrectly appropriated. 
I wished that I could have made the payment so that I would not have had such a detrimental decrease in my credit score causing me not able to refinance home loans and student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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:
Equifax and XXXX consistently reinserts accounts involved in ID Theft from 2016. This happens. every two months. They will remove the information then reinsert the information without any notification or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: HCFS Healthcare Financial Services of TeamHealth
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:
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-11-27
Company: EQUIFAX, INC.
State: UT
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:
1. My loan is fraudulent 2.they do not have original mpn 3. it does not have my signature 4. I have filed complaint with DOE and FTC 5. College had me sign a contract under false pretenses they told me my credits where able to transfer when they werent. Its been under investigation for over a year still damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This are erroneous credit inquiries on my credit that I was unable to get remove in speaking with a customer service person. 
Thank you XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX DateXX/XX/XXXXXX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion

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 2018-09-24
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a letter to Convergent asking them to validate a debt that they insist that I owe. In return this company sent me a bill XXXX that they are claiming is a validation that this is my account. However, the bill sent does not provide me as to the date in which this account was opened. All it shows is someone named XXXX XXXX opened the account. I have no knowledge of this account especially after seeing the information that they sent. Anyone could have opened this account. There is no contract, nothing with my signature on it nor my social security number and most importantly this document provides no information as to when this account was even opened. Also, I asked Convergent to validate this debt but on their letterhead they attached a response and I quote, " the debt is valid and attached is Verification of the debt ''. By their own admission they indicated also that what they sent me is a verification and not what I requested which was Validation of the 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 2018-09-24
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I bank with Discover Card. On XX/XX/XXXX I submitted 1 extra payment resulting in 2 payments of {$400.00} instead of my one usual payment of {$400.00} I make to them. This resulted in imense Financial strain, since I only wanted to pay them once. I contacted the company on XX/XX/XXXX requesting a refund of one of my payments of {$400.00}. I was told I have 7 to 9 business days before the money would return to me. It's now been over 14 business days with no transfer back from the company. I have spent Collective hours on the phone with them and even their Supervisor was not able to insure an answer over the phone and had to hang up with me at that time. this case has been escalated and I've repeatedly attempted to find out where exactly the money is coming back from but no one has given me an answer. it's caused a ton of financial strain and is put me further in debt now because of this. this is not been handled professionally and my money is still missing. Please help any way you can I feel they are ignoring and neglecting my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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: Old information reappears or never goes away

Complaint:
I have asked, through Credit Repair individuals, that my previous names and addresses be removed from my Credit Report. A company named XXXX XXXX XXXX has worked with me since XX/XX/XXXX. Previous addresses and previous married names that date back toXX/XX/XXXX continue to appear on my XX/XX/XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.

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 2021-02-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comenity Bank Zales Diamond Store - XXXX XXXX in the hospital from XX/XX/21 released XX/XX/21. The extra / exuberant interest of {$610.00} was added while I was in the hospital. As soon as I was released, I paid the Balance due and was still charged the {$610.00}. Due to my XXXX hospitalization, I am asking this bank to withdraw the {$610.00} interest charge because the Balance was immediately paid when I was released from the hospital and obviously could not have paid the balance while I was in the hospital with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are reporting accounts wrong and there are several errors that need to be corrected because it is hurting my credit scores.

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 2023-02-24
Company: Financial Credit Network Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I paid a collections account off in full on XX/XX/2023 with financial credit network for the city of XXXX. 

My credit report status shows a {$0.00} balance but my credit score does not reflect the paid in full status. My credit should have increased by at least XXXX points according to XXXX  XXXX. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
tried to get my 3 free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: NC
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 there is a fraudulent account reporting to my Equifax report. I have provided Equifax with every single document that is needed for this account to be removed from my file and I've shown proof of fraud. Equifax has refused to remove this fraudulent account and continues to report fraudulent information. This account was not opened by me nor did I authorize or benefit from this account. I am requesting that Equifax use the documentation provided to them that they've requested and verified ; to remove this account ( s ) immediately. I have attached the Police Report and removal request letter to my dispute. Unfortunately, the Federal Trade Comission Affidavit is too large to attach, however this has already been provided to Equifax to use to  block/remove this account. The account that I am requesting to be blocked is XXXX  XXXX XXXX ( Credit Card ) // Opened : XX/XX/2017 XXXX Balance : {$240.00}. This account is a fraudulent account and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: AES/PHEAA
State: WA
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:
Second attempt. Last month I wrote Fedloan to request that remove late payment from my credit report on XX/XX/XXXX that was reported inaccurate. The company stated it was correct, which it wasnt. They lied and said they tried contacting and mailing documents stating that my account was in collection in XXXX, which is another lie. I never received a call from XXXX, and I contact XXXX in XX/XX/XXXX requesting forebearance and deferment, the rep that I spoke with told me it was granted. So the fact that you have customer service rep lying about putting people on deferment is sickening. I also sent a goodwill to this company, but they dont seem to care about their customer report, or try to work their customer service, nor do they want to fix their error. Again we are only talking about XX/XX/XXXX. You dont need to go into XXXX or the past

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

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 2023-06-10
Company: EQUIFAX, INC.
State: GA
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not had an account with this company and has demanded " validation of Debt '' twice now. I did not enter into any contract with this company and has not received any documentation at all from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation