BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NE
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 loan was sold to Rushmore Loan Management Services to  be effective XX/XX/18. My account was set up for automatic ACH payments to be made by Rushmore on the 1st of every month. For whatever reason on XX/XX/18, they changed the ACH payment amount, without notifying me, and posted it under XXXX ... ..the dollar amount and the Payee were unknown to me and I stopped payment. Because of all the confusion and their questionable payment methods, that payment was late. From that point on, all payments have been paid by Money Order, as per Rushmore 's instructions. I have been late with a payment but I have NEVER missed a payment! As of the date of this writing, my account is current. They have reported me for missing two payments and that is FALSE. I can account for all of my payments. My account has always had sufficient funds in it to be kept current and in my opinion, Rushmore has mishandled my funds, and has shorted my principal payments by carrying excess funds forward as unapplied funds. They refuse to correct their reporting and acknowledge they are wrong. My Credit Score has dropped from 800+ prior to their reporting down to 600+ with their FALSE reporting. This is  unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
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:
I am a victim of identity theft, The following information is reporting to my credit report is information that i have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit. The following information is fraudulent XXXX XXXX XXXX # XXXX {$3100.00}, XXXX XXXX # XXXX {$1500.00}, XXXX XXXX # XXXX {$66.00}, XXXX XXXX XXXX # XXXX {$2500.00}, XXXX XXXX XXXX # XXXX {$630.00}, XXXX XXXX XXXX # XXXX {$210.00}, XXXX XXXX XXXX # XXXX {$3300.00}

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 2018-07-24
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the month of XX/XX/2018, I sent a {$47.00} money order to XXXX XXXX to pay off the debt in full for a collection account I owed. According to XXXX XXXX Policy on their own web site, it states once a bill is paid in full, Midland will then remove the collection from the credit report. I sent the money order certified mail with return receipt. I was recently shocked that on my XXXX credit report they increased my balanced owed to XXXX dollars on my experian credit report. On my XXXX  report, the balance is now showing XXXX dollars. For the past year, my account balance has been XXXX dollars. Now all of a sudden, when i choose to pay the debt off in full, XXXXXXXX XXXX   changes the amount I owe. They are committing fraud by changing my balance constantly so I will keep paying..They purposely created their own accounting records and make up fictitious balances so that I would have to keep paying in a never ending cycle.I would like Midland to be fined for creating false accounting documents for my account and I would like it removed from all my credit bureau reports immediately . I  would like XXXX XXXX  to show the original instrument that shows I owe the debt, I want full accounting records showing my methods of payment for this account, and I would like Midland to provide documents that show they own the debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: NJ
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 was a victim of identity theft and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I HAVE AN ACCOUNT WITH XXXX XXXX XXXX. I HAVE HAD THIS ACCOUNT SINCE 2016. BACK IN XXXX I DISPUTED WITH EXPERIAN SIX PAYMENTS THAT WAS REPORTED LATE BUT WAS PAID ON TIME. I HAVE A MEMBERSHIP WITH EXPERIAN & NOTICE THAT MY REVOLVING CREDIT LINE WITH XXXX  XXXX IS NOT BEING REPORTED AT ALL IT HAS DISAPPEARED & I AM MAKING ALL MY PAYMENTS ON TIME. XXXX  & XXXX  IS REPORTING ON TIME PAYMENTS BUT NOT EXPERIAN & BECAUSE OF THIS EXPERIAN IS NO LONGER REPORTING MY FICO SCORE. 

PLEASE HELP 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
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent certified letter to Equifax regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing them they were in non compliance and also in violation of the Hippa Law.I also sent a copy of the attached letter sent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had requested the credit bureau delete the account from my credit report. This same letter was sent to XXXX and XXXX and they took the account off my credit report. 
Equifax stated this account was verified. ON XX/XX/XXXX I filed a complaint with the CFPB Equifax responded on XX/XX/XXXX COMPANY 'S INTERIM RESPONSE stating Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings.On XX/XX/XXXX responded to thru the CFPB website. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. It Is now XXXX and this account is still being reported by XXXXThis willful non- compliance, I sent proof account should be removed and it was ignored. The letter I sent was to Attn : Dispute Manager at Equifax. I want this account removed immediately from my credit file with Equifax. There is no need for another investigation I have attached the proof this account should not be on my credit report and it being ignored by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: AZ
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'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX, the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

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 2021-09-12
Company: Experian Information Solutions Inc.
State: MA
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:
RE : REMOVE ACCOUNT FROM CREDIT REPORT To Whom It May Concern : This letter is in response to Experian 's recent claim that XXXX, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4200.00}.

Remove this account from my credit report due to the following circumstances : 1. DEBT CAN NOT BE VALIDATED. After over 30 requests for validation via phone and mail and online over the course of 150 days which is 5 times the 30-day LEGAL REQUIREMENT I have not received validation of this debt!

2. DISPUTES DATES OF LAST PAYMENT/OPENED/ OF FIRST DELIQUENCY/BILLING/CLOSED. Remove due to inaccuracy in dates of last payment and of first delinquency.

3. CLAIMS INACCURATE INFORMATION : Remove due to inaccurate balance information as there should not be a balance for a closed account, charge off should need continually be reported.

This debt can not be validated obviously as I have sent numerous requests for a contract bearing my signature, statements and who Experian spoke with specifically as well as what documentation was used to proclaim this debt as valid.

This has since caused me great harm as my children had XXXX XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score. 

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. I have a XXXX who RECENTLY HAD XXXX that I can not drive to necessary appointments or school due to this impact to my credit. 

This is defamation and causing me and my family great harm. 


Any automated response or e-Oscar verification is unacceptable. I am requesting a removal of this account. 

EXPERIAN IS THE ONLY ONE HOLDING ON TO THIS FALSE ACCOUNT THAT WAS ALREADY REMOVED FROM XXXX AND XXXX IN XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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: Their investigation did not fix an error on your report

Complaint:
Equifax and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This account needs to coded as an XXXX. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I do not have access to the documents related to these accounts.

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 2020-07-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I do not have access to the documents related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of BBVA Compass, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted BBVA Compass by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to BBVA Compass on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good evening : I am I am writing this unassisted, please forgive any misspeling that is not caught by spell check. My caregiver is not able to help at this moment. I have submitted information that I have not been able to work for the past year, and that I have been decared as TPD by the XXXX and XXXX the State of Nevada PERS division XXXX I am drawaing a pension from the DOD and the State of Nevada. I am pending SSDI/SSA. I am writing again to advise or trying to clarify what inforamatin yyou may need, I have short term memory issues. Please forgive me that if iI do not write thej down they are gone if I do nto commit them to long term.l I do my best ; I do not want to provide anyone wityh wrong information. However the increased amount of the forbearance is concernin g to me, i did not ask for the forbearance but rather if this loan could be considered for cancellation or discharge-if it can not a simple yes or no answer is all I need rather than a run around and a forbearance of a year and increase interest. I have ben burned by XXXX XXXX in the past while on XXXX XXXX. I can not express the deepest concern and frustration aboutt this situat8ion and potention others that maybe in this situatiohn. Yes, I applied for this loan- I can only afford the amount that I agreed to because of the therapy that I am in-the forberancec and the increased interest that this places-thus the small payments thatt I am paying which i hope to XXXX i understood. The lack of communication about what this was about and the potential situation that this is in. The massive csr turn around calls that refer me or my caregiver to nel net- i am very confused. If this loan is NOT eligible for forgiveness/cancellation/discharge at all and I mean at all. Please do NOT lie. I have not lied to you about my situat8ion,, that I have not worked, that I am XXXX and that I have submitted my entire medical file for review which is very invasive. I ajm very and more than willing to cooperate but I feel that talking to anyone i get stuck in que upon que, per my last notes I need to submi a statement that I will not be filing taxes that my income from the VA is non taxable. See : I.R.C. 104. Military XXXX payments are nontaxable. Regardless of this situatin, all of the thihn going on in the world or in everyone 's life. Please all I ask is, 1. ) Do I need to pay the aggreed amount of XXXX or more? 2. ) Is this loan viable for discharge/cancellation/forgiveness? XXXX. ) What additional information do you need at this time? 

Please note : I will be sending a copy of this information to the BBB, CFPB, and the Student Loan Ombudsman. 


XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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:
On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX  reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX  have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 submitted a request from XXXX XXXX XXXX for debt validation and the company was unable to furnish evidence that the balance or the account itself was a valid entry.

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 2018-07-24
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.

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