BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: OK
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:
They reinserted this information and did provide in written notice accordance with 15 USC 1681i ( 5 ) ( B ) ( ii ) 15 U.S. Code 1681i- Procedure in case of disputed accuracy 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) Reinvestigate I am formally requesting a description of the procedure used to determine the accuracy and completeness of the information including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available pursuant to 15 USC 1681i ( 6 ) ( b ) ( iii )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan Management continues to Service Loan with incorrect figures, balances, fees, etc. that are a breach of contract while US Bank XXXX XXXX for XXXX XXXX XXXX 2016 has been able to use their false certified system to get a Foreclosure Judgement. 

This QWR request sent to Rushmore that must be answered immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NV
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 a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2019-04-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA loan. Carrington mrtg is my servicer. I fell behind on my payments in XX/XX/2018. In XX/XX/2018 the took a payment. In XXXX the returned a XXXX. Money order payment. They locked my account on XX/XX/XXXX and started foreclosure. My money order which is now not useable to me because its written on and banked stamped was returned to me. On my statement it is written that is payment in full is not sent monies will be held in a suspended account. Heres my issue. I called FHA after Carrington refused payments and locked my account. FHA stated they had seen my prior 5 years of perfect payments and they dont foreclose unless I am 6 months behind. I was not but now due to Carrington refusing my payments I am now 6 months behind if you include XXXX. Its unfair. I am honestly trying and making an effort. I am a single mother. I lost my job of 10 years. I have taken a XXXX an hour pay cut. I requested a reinstatement. Its an outrageous amount. I have filed for a modification. Im still waiting. This morning Carrington called my phone but once again left no voicemail as to why they were calling. I logged into my account and ot stated call point of contact for modification. So I called. I entered all my identifying information. And it keeps routing me to single point of contact line that is closed. This is at XXXX XXXX in the morning on a friday. They are closed on a weekend. Again precious time being wasted giving me the run around. The have my email to send me requests and information as well. My house has doubled in value since I purchased it. It feels like they are trying to make me foreclose and force us out. I feel as though they should not be allowed to lock my account and refuse payment especially if I have in writing that it will be placed in a suspended account. If nothing else FHA would then be able to see I am making an attempt and not really 6 months behind and see what this servicer is actually doing to low income homeowners. Please help. I have a hud counselor but she has only gotten as far as I have. Also if and when I get this situation fixed I want to know how I can get a different servicer. I absolutely do not TRUST the company. They are horrible and treat their clients that are struggling awful. They dont explain anything. Everything I have learned I have had to research online. When I say I dont understand something they just repaet themself. When I ask about and option I hear its up to you whatever helps you sleep at night. Its horrible.This is my only home. Im am trying like crazy to save it. My payments are XXXX. A month I have XXXX. In returned and refused payments. Plus my current payment thats due for XXXX on the XXXX which has been my payment date for over 5 years.I understand I would still be behind but only like a month an a half but now they want a few thousand dollars in fees. I just dont understand how a company can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 credit reports from all ( 3 ) agencies were requested in order to confirm clean up or address any errors on reports. 
XXXX  reflects ( 2 ) collections from a CCS Collections, XXXX XXXX XXXX XXXX, MA XXXX Amount {$590.00} Amount {$240.00} No documentation, bills, calls, statements or debt validation has been received to date. 

After contacting the XXXX XXXX XXXX onXX/XX/2020, CCS claims the Agency requesting these past charges are the following : Dr. XXXX from a XXXX XXXX A formal dispute has been started on XXXX XXXX 2020 with XXXX  Compliant # XXXX. 

XXXX XXXX 2020 - Contacted my primary care physcian Dr. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX. Neither the doctor 's office or the billing department has any such request or invoice for anything from a XXXX XXXX or a XXXX XXXX. XXXX with XXXX and XXXX. Both checked nothing found. 

XXXX XXXX 2020 - Contacted CCS Collections- XXXX Spoke with XXXX , She checked my name, verified my phone number nothing was found. No invoice could be location, My name or address was not located. Phone time 18 mins. XXXX call ended 18 mins and after she put me on hold the line died. 

XXXX XXXX 2020 - Contacted XXXX at CCS Collections XXXX XXXX. D.O.B and address does NOT match what is on file. No social security number was even provided. No invoice available. Recommended a dispute as well. 

XXXX XXXX 2020 - Contacted Quest Diagnostics XXXX, spoke with XXXX  XXXX, no tests, no invoice were ever located. Checked by name, D.O.B. Address. Nothing located. I was told to contact The Doctors Office for an invoice number. Again, no invoice was ever located.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Texas XXXX Transunion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Inquiry from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2020-02-14
Company: WLCC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Due to a financial crisis, a title loan was taken out with XXXX XXXX XXXX XXXX. 
1. I have since lost my employment at the XXXX   XXXX XXXX  ( XX/XX/XXXX ). 
2. I have just recently gained employment, making 1/4 of my previous salary.

3. Original amount of loan {$1700.00} apx XX/XX/XXXX. 
4. Amount paid to date ... .over {$8100.00}.

5. I have attempted numerous times to contact the company to find a mutually agreed upon way to pay this off which is unsuccessful as I'm not able to speak with them. 
6. I am not able to afford {$600.00} per month for this loan.

7. emails and phone calls are unsuccessful. Emails direct me to call, which goes unanswered.

8. I personally feel this loan should be considered paid in full. 

This feels very much like preditory lending at it's finest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A credit inquiry was done on XX/XX/2021 by XXXX XXXX XXXX XXXX XXXX XXXX. I didn't ask for any inquiry to be done. 

I left a voicemail at XXXX XXXX at number listed, I gave them my name and said stop doing credit inquiries. Their recording says not to ask for a call back. 

I've put a security freeze on all 3 credit bureaus, and notified XXXX XXXX  Fraud Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX, XXXX social security XXXX using ( 'XXXX  ' ) app. compromised our bank checking account using XXXX to transfer {$850.00} to an unknown recipient. Reported this same day and made police report when realized I had been scammed. XXXX XXXX was name used acting as XXXX  agent. They used Phone # 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 2020-09-29
Company: EQUIFAX, INC.
State: LA
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:
Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Resurgent Capital Services L.P.
State: MD
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:
ON XXXX THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX  ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i disputed items from my credit report that were inaccurate to 3 credit bureaus and they haven't answered me

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 2020-09-21
Company: Experian Information Solutions 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:
XXXX XXXXXXXX XXXX XXXX Contact info XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX shows a inquiry on my credit report with an Inquiry date of XX/XX/2018. By law the inquiry is to be removed after 2 years. The inquiry still shows on my credit report. The removal date was 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2023-02-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights. 

16 USC 1691 States I have a right to privacy.

16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/18 I tried to put a " Simple Freeze '' on my credit report thru the Equifax Web page. No success. I called customer support & was asked questions about my employment 38 years ago. I have been completely out of debt for 20 years now & I felt as if I was being investigated by the FBI. This is totally ridiculous. Now I question the integrity of the company & feel foolish for giving them all my personal info.! 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: Experian Information Solutions 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:
This complaint is regarding XXXX XXXX ACCOUNT XXXX appearing on my EXPERIAN AND XXXX CREDIT BUREAUS.I have attached hard copy reports from both bureaus. 
The reporting on EXPERIAN is misleading, inaccurate and incomplete.Experian says " collection '' in the payment history for XX/XX/XXXX.XXXX received {$60.00} on XX/XX/XXXX.The recent payment amount says " not reported '' .It should say {$60.00}. 
Under recent balance it says " not reported. " It should say either {$0.00} or $ XXXX.Under " status '' it should read '' paid in full '' to prevent other interpretation in a negative light. 
With XXXX " date first major delinquency reported says XX/XX/XXXX and XX/XX/XXXX.This is inaccurate, the major delinquency was reported more than 3 years earlier.The date closed is a blank. 

In addition, the creditor violates implied warranty laws of CALIFORNIA ... much stricter, and without the loopholes of the Federal law.When you sell a product and service you must deliver what was promised.XXXX promised adequate cell service.It 's possibly changed today but in XX/XX/XXXX and XX/XX/XXXX XXXX lacked the cell tower coverage for adequate service in the valley, XXXX XXXX surrounding XXXX XXXX. 
IN XXXX XXXX XXXX, XXXX XXXX, XXXX, ALL IN CLOSE PROXIMITY TO MY DOORSTEP, THE XXXX PHONE HAD INTERFERENCE, DROPPED CALLS, AND NO MESSAGES TAKEN CAUSED BY SOMETHING AS SIMPLE AS THE WIND BLOWING.THEIR SERVICE DID NOT FUNCTION ADEQUATELY TO BE RELIED UPON. 
I HAD TO USE REMAINING PAY PHONES OFTEN TO COMPLETE MY BUSINESS. 
THIS ACCOUNT SHOULD BE DELETED FOR MULTIPLE REASONS AND THE FCRA.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: MI
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 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 explanation
Consumer complaint received 2021-05-28
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my discover card account by notifying the company in XX/XX/XXXX. They promised to close my account and to send a paper bill to settle my final payment. I never got a bill until XXXX which showed the final amount with added on late fees and interest charges. I called Discover on XX/XX/XXXX and told them they did not send me the final bill in XXXX so that I could pay it in full and never paid late. They agreed to remove the late fees and interest charges and told me my final payment was {$1000.00}. I paid the COMPLETE amount by check stat on the phone on XX/XX/XXXX. I gave them routing and account number for my bank and their rep confirmed that it cleared. Their customer rep told me my balance was fully paid, account was closed and they would never bother me again. I got another bill and email for {$1000.00} on XX/XX/XXXX. When I called Discover yesterday i.e. XX/XX/XXXX, they said they would " look into it and open a dispute and get back to me in 15 days ''. They said the payment had not processed, although that is not what they said earlier and they had my bank information already and they had 1 week to process it. In the meantime, they said they would keep accumulating interest and late fees and charge me for it. 
Discover is obviously cheating me because they are refusing to process my check, refusing to close my account and want to keep charging fees/interests to illegally make more money from me. 
This is a disgusting and unethical process. They should not try to leech on desperately to customers in order to make more money from them, and to play these desperate games.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am asking for XXXX and Experian to follow suit. These accounts have been removed from my XXXX credit report as of XXXX and I would like for them to remove these accounts as well

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