BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: The Outsource Group, 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:
In XX/XX/2018, I sent a letter to XXXX regarding the inaccurate entry they had apparently placed on my credit reports. My dispute was with the validity of the account entry as it was reflected on my credit reports. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary XXXX  responded with a letter dated XX/XX/2018 ( see attached ) stating they were providing the itemized statement. The statement presented lacks veracity ; it is merely printed/generated from a computer and does not provide the financial responsibility page, a copy of my signature with the alleged provider of service to release my alleged medical information to them, nor did they cease any reporting with the credit bureaus while this item was disputed or until the alleged debt had been verified by me. 

Further, XXXX did not provide a general ledger of the account or the complete accounting of the alleged debt. Lastly, they did not provide that they are able to collect debts in the state of Texas ; hence the reason I requested the name and address of the bonding agent for them in case legal action becomes necessary. 

I have never did any business with XXXX nor have I ever signed any contracts with them. This inaccurate, erroneous, unverifiable entry must be deleted immediately from my credit reports.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 signed up for Auto pay with XXXX XXXX. They had my checking account information for this purpose. The multiple monthly payments were automatically deducted. Come XXXX 2019, unbeknownst to me, the payment was not automatically withdrawn. Fast forward to XXXX 2019, I get an alert stating my credit went down XXXX points!! I see on my credit report that I was over 60 days in late payment to XXXX XXXX. I called XXXX XXXX and talked to them about it. They said I wasn't enrolled in automatic payments. I told them this was untrue as payments were automatically deducted from my checking account. I finally got a supervisor and she admitted that " there must of been a computer glitch ''. However, she said she could not fix it herself. I would have to contact the credit bureaus. Which I did MULTIPLE times -- only XXXX, and XXXX  updated their records to correct that I was NEVER late. In fact, not only was I not late, I paid off the 3 year lease, nearly 3 years early! I only owe 2 payments left out of a 36 month lease. I never bothered to look to see if my payment was deducted because I felt like I didn't have to as I keep plenty of money in that account. TRANSUNION refuses to fix this. I have filed complaints with them 4 to 5 different times and all they do is just send me a copy of my credit report. Because they would not fix this in XXXX XXXX 2019- I went ahead and paid off the lease minus 2 payments because I did not trust that XXXX XXXX would take out my automatic payments. I pay ALL my bills on time. I take my credit very seriously. I am trying to buy a home in Florida and this strike on my Transunion credit report affects me getting a better interest rate!! They are horrible. They say they will look into it but they really never do. They just print out a copy of my credit report. The other companies found in my favor and CORRECTED the late payment in XX/XX/2019 I have been battling this for over a year now. Should I get a lawyer? It is principle for me. I pay off all my debts ON TIME. Transuion is too lazy or they just don't care! Can you please help me get this bad mark of my credit report. I am at my wits end. Thank you for taking the time to review my case.

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 2018-07-23
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Two fraudulent transactions in the amounts of XXXX and XXXX on XX/XX/31 from XXXX were reported as such, fraud, to American Express on or around same date of XX/XX/31. To date, both transactions remain unresolved, no credit issued. I have not been provided any information showing I authorized either transaction, I have not received anything from the person, XXXX. XXXX requests the full card number in order to investigate the charges, I only have last four ending in XXXX. American Express needs to either credit back the transactions or provide full card number, which was replaced since with a new card number. I need full card number in order for XXXX to investigate on their end, they can not do anything with only last four of card number. Failing to provide full card number, they need to simply credit back both charges as they are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX  on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXXprocessing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed.. 

This 30 day late and all comments on my credit reports for XXXX XXXX  needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.

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 2018-07-23
Company: National Credit Adjusters, LLC
State: MO
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:
This debt was settled through XXXX XXXX in a repayment program through XXXX XXXX. I have a letter outlining the payment arrangements which I met fully. The settlement letter states my account would be paid 'in full ' once those obligations were met. There are two separate accounts with this debt buyer that are settled through the program with XXXX XXXX. National Credit Adjusters is reporting balances on both accounts even though the accounts are settled and paid. One attempt was made to have National Credit Adjusters update the collection information/balance through a dispute with all three credit reporting agencies. National Credit Adjusters response was the balance is reported correctly. This is not true  because the debt is settled in full. The original creditor on the first account is XXXX XXXX XXXX. The balance reported to XXXX XXXX was {$6000.00}. Payments started on XX/XX/XXXX with the final payment on XX/XX/XXXX. The payments totaled {$2100.00}. National Credit Adjusters is reporting a balance of {$3900.00} and this is not the agreement. The original creditor for the second account was XXXX XXXX. The balance reported to XXXX XXXX was {$5100.00}. Payments started on XX/XX/XXXX and the final payment was on XX/XX/XXXX. National Credit Adjusters is reporting a balance of XXXX and this is not the agreement. Recently submitted another dispute with all credit reporting agencies ; however, feel my efforts will be exhausted. This incorrect reporting raises my debit owed by nearly {$710000.00}. This request is to have National Credit Adjusters report my account paid 'in full ' to XXXX , XXXX , and XXXX . Better yet, the debt should be removed from my credit report. I can prove that I was victimized by predatory lending. My credit is derogatory because the Payday Loan industry nearly bankrupted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I was given a trial modification of two months. XXXX started the modification. In XXXX I was told they didn't except my signature. They sent me a new signature page with postage. They claimed they didn't receive it. So uploaded it to their site. They accepted my XXXX payment. XXXX payment was returned with a foreclosure notice. My previous payment were not returned or applied to my account. My statements say no payment was made making my balance higher. They never validated my debt. My loan was originally a XXXX  product, and was sold after the big lawsuit that broke the real-estate market in XXXX. My mortgage was one of those mortgages. I have been trying to prove this since XXXX. I filed a wrongful foreclosure on my own, which I did incorrectly. The case was not going to be in front of the judge in time for the sale date of XX/XX/XXXX, so I filed bankruptcy on XXXX XXXX. The rears went on the bankruptcy, but they still won't except my payments, as of XXXX XXXX. They are trying to sabotage me and take my home. I have been trying to sale the home to get out of this situation. My XXXX  stopped the sale in XXXX of last year, and wouldn't except the payment for false liens. XXXX XXXX  XXXX has been harassing me for years with their self made rules. I have a civil suit pending, for the loss, the selling and discarding of my property, due to downsizing. I had a townhouse ready for purchase contingent on the sale which fell through. I had 5 closing scheduled waiting on a release that never came. These thingds made me have to move back in an continued this aggravation with Select Portfolio servicing LLC, the collection agency that services my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
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 Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: OH
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:
XXXX, XXXX  and Equifax has reported my account by XXXX/XXXX  as 30 days late for XX/XX/2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
( This is a continuation of a COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. ) I previously complained that Rushmore Loan Management Services continued to withdraw more than they were authorized to withdraw each month. After I complained to you, Rushmore Loan Management Services stopped withdrawing the unauthorized amount during the month of XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore Loan Management Services began withdrawing unauthorized amounts from my bank account again. When my bank stopped payment on Rushmore Loan Management Service 's unauthorized withdrawals, Rushmore Loan Management Service retaliated by requiring that I only use certified funds to make future payments. 

In correspondence dated XX/XX/XXXX, Rushmore Loan Management Services stated they had records which show I authorized them to withdraw in excess of {$1000.00} from my account in XX/XX/XXXX, XX/XX/XXXX, and thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: CBM Services, Inc.
State: MI
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:
These companies unlawfully reported accounts ( CBM XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the past several months Sallie Mae has consistently applied late fees and given no resolve to my payments being reversed for no reason. I have contacted both my bank and Sallie Mae about this issue, but they continue to badger and harass me after these payments are being made then reversed. The banking information I have on file with Sallie Mae to make payments is correct as at least once the payment I've made posted. That payment was {$160.00} made on XX/XX/2018. After this there is a random reversal of {$53.00} made to that {$160.00} I paid which was done on XX/XX/2018. After noticing this I immediately made another payment of {$53.00} that same day. The same exact thing happened on XX/XX/2018 in the amount of {$53.00}, so I made a payment of {$53.00} again to cover this reversal. Late fees have been consistently added every time this happens, and they tell me sorry, but there is nothing they can do. I made a payment on XX/XX/2018 {$160.00} that was reversed on XX/XX/2018 as well, and again, the banking information is correct as they have had one or two payments that were debited from my bank account. XX/XX/2018 {$270.00} was scheduled to post for the ever growing amount that was past due ( even though I MADE those payments! ), and it still has yet to show debited from my bank account even when it says it has been paid on Sallie Mae 's dashboard for my transactions history. This is wrong, and I want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX   this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX   this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/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 2018-07-23
Company: Experian Information Solutions Inc.
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:
Supplied Experian, and XXXX credit bureaus with the Faxed, PAID IN FULL letter from XXXX XXXX XXXX, I also spoke with reps from XXXX XXXX   many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.

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 2018-07-23
Company: Delta Management Associates, Inc.
State: NY
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:
Delta management associates has so far : Called me all hours of the day and night Called my brother Called my mother Called posing as an investigator from a law firm looking for me regarding a former employer ( number is out of service and company didnt exist )

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 2023-01-11
Company: Experian Information Solutions Inc.
State: PA
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 account # XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my 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 non-monetary relief
Consumer complaint received 2018-07-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Asked for verification of debt ( have been asking since 2016 ) nothing has been sent and company has called my job and gave false information to the Bureau XXXX, XXXX and 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 2018-07-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed due to one monthly bill payment that didn't clear my bank. I have made many on time payments and I do not understand what happened. No one can explain the situation and how a creditor can do this. Please advise. 
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 explanation