BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not a duplicate! I did not request proof of validation, my concern is directly what rent recovery solutions llc reporting to the credit bureaus. they reporting two different account names and 2 different original creditors. please respond only to my concern.

XXXX  say the account name is Rent Recovery Solutions , LLC , but XXXX  just report Rent Recovery Solutions, that's two different names technically.

Also on XXXX  Rent Recovery Solutions LLC reporting their self as the original creditors which is inaccurate On XXXX  Rent Recovery Solutions reporting The XXXX, both can't be accurate. 

How was my previous dispute concerning to these matters to the credit bureaus was verify as accurate, you fail to correct the inaccuracies or delete them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is reporting negative information to the credit reporting agency known as XXXX that is adversely affecting my livelihood. 

I have never done business with this company and have never entered into any contracts with the company. And the company certainly does not have any express or implied consent from me to furnish such information. 

The company 's actions are a violation of the Gramm Leach Bailey Act and my privacy rights. 

I rely on my credit standing to provide for my family but the actions of the company are hindering my ability to do so.

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 2018-01-24
Company: EQUIFAX, INC.
State: AR
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:
I have called and written numerous time to Equifax about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. Equifax has stayed these inquires are factual and to contact the creditor. This inquires are not factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
On XX/XX/2023 at XXXX XXXX I tried to access my credit reports on annualcreditreport.com, and both XXXX and Transunion are not allowing me to see my credit reports online. I called XXXX using the number provided and they want me to sign up for their service in order to see my credit report online. They said that they will mail it to me. Transunion only shows an address to send a request for a credit report to.

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 2022-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FAILED TO PROVIDE REQUIRED DOCUMENTS! - I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2020-06-14
Company: EQUIFAX, 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:
this account was never late. XXXX has already updatte the credit reporting agency. Equinox is the only one that did not update correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX  repayments resumed in XXXX. My loans are currently handled through Nelnet. My first payment was due XX/XX/XXXX in the amount of {$270.00}. To cover this payment, on XX/XX/XXXX I made a payment of {$520.00}. On XX/XX/XXXX I checked the account to see that the payment I had made had been applied to the account, but was not considered applied to the XXXX bill. Therefore, my account showed XX/XX/XXXX as a missed payment. 

My account now shows I owe {$540.00} on XX/XX/XXXX because they combined the " missed '' XXXX payment in with my payment due in XXXX, and I now have a missed loan payment on my record and credit report. 

I called customer service. After an unreasonably long hold time of XXXX hours and XXXX minutes I was told they'd file an account adjustment form, but that the form would take XXXX weeks to process which means I'm still stuck paying the {$540.00} I just will no longer have the missed payment on my credit report. 

With student loan payments resuming its unacceptable for them to be so short staffed that wait times are north of XXXX hours. It's also frustrating that there's essentially a {$270.00} extra payment I'll be forced to make. Despite it being applied to the loans it's unplanned and tough on a budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Exeter Finance Corp.
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:
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the XXXX and was a tenant at XXXX XXXX apartments in XXXX, FL from XXXX. XXXX of XXXX I was notified of a short notice XXXX XXXX in support of XXXX XXXX in the XXXX XXXX. I provided a letter from my XXXX XXXXXXXX to the property management company informing them that I was going XXXX and needed to break my lease. The move out date I selected was XXXX. I moved out and cleared my residence with no issues on that day. Two weeks ago I received a debt collection on my credit report for just about $ XXXX. I contacted the management company via telephone and informed them that they needed to fix it immediately. The next day the debt collection reduced from $ XXXX down to roughly {$580.00}. I have since called the several numbers at the property management parent company at least 15 times and HAVE NOT been able to reach an actual person to resolve this issue. The price breakdown that I received from the debt collector showed that the {$580.00} is for rent from XXXX through XXXX. This is CLEARLY after i moved out. On XXXX XXXX I sent a copy of the XXXX XXXX that covers rent for military members to the debt collector. I have not received a reply. Last week i also sent an email request to the debt collector asking for a copy of the lease agreement. I have not received a reply to that email either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Santander Consumer USA Holdings 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 information incorrect

Complaint:
My Car was in an accident that resulted in XXXX insurance totalling the car XXXX paid Santander at XXXX XXXX XXXX in the amount XXXX Santander is still reporting this account as a balance owed and the car is out for repossesion that car was totalled and returned via my insurance company. please see attached email and receipt showing payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: DISCOVER BANK
State: AZ
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 was notified XX/XX/2023 by XXXX XXXX that my name was added to someones credit card. Upon checking my XXXX credit report per XXXX XXXX, it shows a Discover Card account # XXXX with a balance {$2900.00} that is not my card or account. I called XXXXiscover Card Services and spoke with a XXXX who informed me the holder of the card was also a victim of fraud. My name was added to the account fraudulently using my correct name, birth date and social security number. However, they used an incorrect address of XXXX XXXX XXXX XXXX XXXX, FL XXXX of which I have never lived. I have never lived in Florida ever. Discover stated they would remove my name from the account and notify credit bureaus to remove the account from my credit report. So someone is using my name, date of birth and social security number to commit fraudulent credit card theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CORELOGIC 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:
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you  initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995

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 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I have sent multiple letters to this consumer agency to update my personal information, remove debts that do not belong to me, removal of Inquiries that I was not aware of nor authorized, removal of inaccurate information, updating my credit score, request to have verifications of debts mailed to my residence. I have asked for a copy of my credit report mailed along with my updated credit score. What is being reported in inaccurate information which has impacted my livelihood. For months, I have written letters to get updates and nothing has been done. Online, this account indicates that it has not been pulled since XX/XX/2022. This is abuse of power and bad business practices.

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 2020-01-17
Company: CarMax, 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:
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Union Home Mortgage Corp
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021 I refinanced my VA loan, and Union Home Mortgage became the servicer. In XXXX of 2021 they remitted a payment for my property insurance from the Escrow account for {$2100.00}. In XXXX of 2021 they again remitted a payment for my property insurance for {$2200.00}. 

In XXXX of 2021 I was notified of an Escrow analysis that expected me to pay {$3500.00} up front or an increased monthly payment my {$400.00} due to an Escrow deficit. 

The only deficit is from Union Home Mortgage negligently mishandling my Escrow account, and now they expect me to pay a higher monthly payment as a result. I have put back the refund provided to me by my insurance company for the additional payment, but Union Home Mortgage still expects me to pay the errantly higher payment until they can do another Escrow review. This is an unsavory business practice where I pay for their incompetence.

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 2022-02-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Multiple voicemails were left with various people, those voicemails included, name, DOB and Social Security number. When I called the number that was left to me, they stated they were a law firm, and that I had to take care of the debt today. If not taken care of today ( XXXX ) I would be prosecuted for three times the amount of debt. They didnt offer any time and told me they werent a debt collection agency that could be set up with any repayment plans, that it was a law firm that was given me till end of day to repay for face legal action for various fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
I have called XXXX XXXX at the end of XX/XX/2019 about when are they I'm going to report my auto loan to report to the credit agencies and KIA told me that there will report every three months, because I'm not current on paying my auto loan. That is not correct I pay every 25 days. I even pay the late fees just because of my payment schedule. As long as I am not 30 days past due this should not be an issue. The person I spoke with at XXXX XXXX very rude and disrespectful and hung up on me. How nice since I paid over 13 % interest. The car is almost paid off. On eight {$22000.00} dollars car i'll end up paying over {$44000.00}. And they can't even be nice. All I ask is for them to report every month like everyone else. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: U.S. BANCORP
State: NY
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 cash advances

Complaint:
On or about XX/XX/2023, my XXXX card was charged an 'automated, ' 'atm XXXX XXXX fee, ' after using my XXXX  card at merchant to process a payment for goods, in the amount of {$20.00} XXXX This extortionate 'junk fee, ' erroneously charged by the bank, {$10.00} XXXX amounting to a 50 % premium on the goods purchased. This purchase was made on the premises of a merchant business, was not performed at an 'automated teller machine, ' ( ATM ) no pin was entered at any point during this transaction. 
The bank will describe this fee as 'reasonable ' and customary, but a 50 % fee is just outright 'rent seeking, ' profiteering.This type of unjustifiable fee should be examined by regulators and disallowed.

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 2022-02-24
Company: Freedom Mortgage Company
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am refinancing my house with Freedom Mortgage and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX XXXXXXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. Freedom Mortgage record all their calls so you can ask them for the call on XX/XX/XXXX with 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