BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were in the process of selling our home and found out that we had a second mortgage that we knew nothing about on the home. We started to investigate how this happened and remembered in XX/XX/XXXXwe were called by who we thought was our mortgage company which was XXXX XXXX  at that time and they asked us if we needed to get assistance on the mortgage and we said that we would see if they could assist us and the only thing that they asked us for was to send them cashiers checks for an amount and they would get back with us with paperwork but later when we tried to contact them we could not get in touch with them so we knew that someone has scammed us on a fake refinance scheme. 


We never heard anything else until we saw that we had this amount separate on our mortgage. We called but the mortgage company that we have now said that the second mortgage was on there when they received it from the previous mortgage company which was XXXX. We have had 5 different mortgage companies since the origination of the loan. Therefore it is very difficult to know what when and who had a hand in this. The main concern that we have now is about our interest rate which is 5.25 percent which is really high but we were in the process of selling and did not want to refinance because of this. We are just concerned because the payments that we are making are about {$170.00} going toward the principle of the loan and {$600.00} going toward interest. We did not know this until we started to look at what was going on with this mortgage. The date for payoff of this loan is for XXXX! That would mean that we would be paying on the loan for 46 years! We have reached out to the mortgage company but we have only gotten promises that they would look into it and call us back but no one has called us about this as of yet. We believe that we have been caught up in predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent Portfolio Recovery a letter asking for verification of the debt that they say I owe. No reply was ever received back from Portfolio. where is the signed contract that shows I ever had a contract with the original creditor of XXXX. It is well pass 30 days, I ask that this negative fraudulent account be deleted from my credit report ( s ). They are in violation of FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
JPMORGAN CHASE AUTO has engage in unfair behavior and willfully noncompliance with the law, knowingly using deceptive tactics to undermine my creditability and give lenders the wrong impression. On XX/XX/2022 Chase Auto has furnished a transaction as Late to XXXX, XXXX and XXXX, XXXX and XXXX Has deleted the false late pay. This is costing me severely limit opportunities, such as funding my business, can not buy a home. 
I would like to bring something to your attention. According to FCRA 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with JPMorgan Chase Auto company by law are excluded from my consumer report. Chase fails to correct inaccurate file data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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/XXXX The Credit bureaus stated Account Name CAPITAL ONE Account # XXXX date opened XXXX XXXX, XXXX Status : INCLUDED IN BANKRUPTCY COMPANY CONTACT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX open date is inaccurate, the date last active is inaccurate, and incomplete account # and date last reported is not accurate. This ground for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously submitted a complaint about XXXX due to incorrect information about a previously settled loan causing my credit score to drop. I was issued a settlement letter and the item was removed from my credt. As of XX/XX/XXXX my experian score dropped 28 pts and XXXX/XXXX reported the loan with XXXX $ balance as 30/60days delinquent.

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 2021-01-27
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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to allow XXXX XXXX XXXX to report incorrect information to my consumer file. This entire balance on this account was paid off on the XXXX XXXX of 2020. Recently XXXX had a collection agency attempt to collect payment from me. The collection agency, XXXX XXXX has now closed the file in their office and returned it to XXXX Because the account was paid off. XXXX XXXX did the right thing. Equifax has an obligation to ensure that only accurate information is being reported. 

XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

Recently in doing some research on the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXXXXXX XXXX XXXXXXXX. I never signed an enrollment agreement with XXXXXXXX XXXX XXXXXXXX nor did I ever sign or agree to become a former student of XXXX XXXX. This seems like fraud to me. I do not wish to be associated with XXXX XXXX and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX XXXX in my name. I never agreed to this. I am requesting XXXX XXXX XXXXXXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX XXXX XXXXXXXX. I do not wish to be affiliated with XXXXXXXX XXXX XXXXXXXX. I never agreed to any enrollment or loans with XXXX XXXX. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My original dispute started with I.C. Systems on XXXX. The above company ( I.C. Systems ) is currently violating both 15 U.S.C. 1681s-2 and Regulation F, for not properly validating this debt as previously requested and received in writing from me on both dates XX/XX/2023 and on XX/XX/2023 per my attached USPS proof of delivery. When validating the amount owed, they never sent proof of the following : 1. The date on which this became a debt up to our current date 2. The amount I was charged in interest that makes up this debt 3. The amount I was charged in fees 4. The amount I have paid in total on the debt 5. The accurate amount due ( From the above # s 1-4 ) as of today Also, this company is currently in violation because they knowingly violated 15 U.S.C. 1681s-2 of the FCRA, which expired on XX/XX/2023, by not removing the tradeline as requested with incorrect information on my consumer 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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion is at it again with Negative Option subscription plans. 

Background : Today, XX/XX/XXXX, I had just gotten an employment offer that was contingent on a background check. I consented to the check via an online provider, and there was an alert immediately generated on my background check about a name mismatch. So, I created accounts with all three credit reporting agencies to dispute the name attached to my credit report ( it just hadnt been updated from my maiden name ).

Of the three CRAs, TransUnions signup was by far the most opaque. I was funneled to a single option when I clicked on their credit report tab. Nowhere was it clearly or prominently disclosed that a fee would be charged or that I was enrolling in a subscription plan. I was a bit uneasy inputting my CC info, but since one of the other CRAs had classed my free credit report as an order and I had gone through a checkout process, I was primed to think this was the same, and that my CC info would be stored for optional account upgrades or something. The only reason I found out that I was being charged and had been enrolled in a subscription plan was via the receipt sent to my email. {$24.00}! A month! Nowhere in the checkout was a price mentioned, or a subscription. I would call any transaction whose amount is only clearly disclosed after payment completely deceptive, unethical, and illegal, per CFPB findings in XXXX ( page 11, line 37 of the Consent Order ).

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 monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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:
Equifax allowed my credit data, social security number and other identifying information to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was fraudulently sent emails from a clients email address with fraudulent wire transfer information. The transfer originated at XXXX Bank and was wired to PNC/National City Bank in XXXX OHIO to the criminals account. XXXX attempted to retrieve the funds but PNC said the recipient refused to refund the stolen money and would not provide any further information about their client. I notified local law enforcement, the FBI and PNC in XXXX. I have since saw online that the scammer is continuing to use the same account at the same bank under the same name to steal from other consumers. The bank should be held accountable for my loss and others as a direct result of the bank permitting and harboring criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Account information incorrect

Complaint:
The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XX/XX/XXXX {$630.00} Balance updated XX/XX/XXXX 25 late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-07-22
Company: EQUIFAX, INC.
State: MO
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:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom This May Concern, I have submitted multiple complaints to you guys, regarding some fraudulent accounts that are on my report, you guys told me the disputed accounts were removed and they are still showing on my updated report. 
I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report I am requesting that those charges be removed immediately. 

XXXX XXXXXXXX XXXXXXXX XXXX Date fraud began : XX/XX/2023 Total fraudulent amount : {$4600.00} -- -XXXX XXXX XXXX XXXX XXXX Date fraud beganXXXX Total fraudulent amount : {$1300.00} XXXX XXXX XXXX XXXX, Date fraud began:XXXX Total fraudulent amount : {$1100.00} XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2023 Total fraudulent amount : {$980.00} -- XXXXXXXX XXXX XXXXXXXX, Date fraud began:XXXX Total fraudulent amount : {$4800.00}

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 2023-04-08
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XXXX XXXX this company through another part contacted my aunt about a invalidated charge. When the other party furnished their number I called them back and they said they would send my social security number to a foreign company to further harass me. The epresentative also called me a XXXX over the phone and said i was XXXX to have a XXXX  vehicle. which i recorded te phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX SS # XXXX XXXX XX/XX/XXXX ( Identity Verification documents attached ) In XXXX of XXXX, I disputed various items that were not reporting correctly on my consumer credit reports. This dispute resulted in Experian deleting the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In addition, the following addresses were removed from my report as they were also erroneously reporting : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX You can see these deletions on the attached file titled " Experian XXXX '' As I was recently reviewing my credit reports, I noticed that these XXXX accounts and XXXX addresses were reinserted into my consumer credit report ( see attachment titled " Experian Full XXXX ''. As you are aware, as per the Fair Credit Reporting Act 15 US Code 1681i ( 5 ) ( B ) ( ii ) and ( iii ), a consumer reporting agency has to notify a consumer within 5 days in writing that an item is being reinserted into their credit file. I never received such notice from Experian at any point since the items were deleted, yet they are back on my report.

This is a direct violation of Federal Law, and I am demanding that the information be removed from my reports as they were back in XXXX. In addition, I am including an invoice in the amount {$6000.00} for compensation for these violations as provided by the FCRA. 

Please note that failure to comply to with this request within 45 days of receipt will result in a lawsuit being filed against your company in order to get you to comply with the law, recover the penalties due to me and for damages. I am trying to amicably resolve this situation before wasting the courts ' time with your willful noncompliance 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