BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX  XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am filing this complaint because on XX/XX/2021 I requested validation of information reported by LCI to the Credit Bureaus. Based upon my own personal research it appears that LCI is in violation of multiple consumer laws by furnishing unauthorized, and unverifiable information on my behalf without my written consent. By reporting this information, it has terribly harmed my ability to obtain credit and caused great harm to my financial well-being. I demand that this information be deleted based on the premise that the company is not following the consumer laws guidelines. The item in question is an alleged XXXX XXXX Bankruptcy. I demand LCI delete and remove this unauthorized, inaccurate, and unverifiable information on all company consumer reporting lists. I have attached my supporting documentation to this complaint. It is my understanding that you will recheck these items. Under Disclosures to consumers 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, under Compliance procedures 15 U.S.C. 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. You, LCI are in violation of multiple consumer laws : 15 USC 1681 ( a ) ( 4 ) Infringed upon a consumers rights to privacy, 15 USC 1681b ( a ) ( 2 ) No Permissible purposes/No written instruction from me the consumer to furnish this information, Failure to furnish an Investigative consumer report per 15 USC 1681a ( e ) upon my request. I never gave LCI any written consent to report anything on my consumer reports, no consent is fraud. I am also requesting by law LCI must provide me with their Investigative consumer report per 15 USC1681 a ( e ) as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TRANSWORLD SYSTEM INC is a company I have no idea about. I do not owe debt to this company. TRANSWORLD SYSTEM INC constantly calls me starting from XXXX and before XXXX at night pretty much everyday, since the month of XX/XX/2022, ( over 15 times ) with voicemail stop statimg their company 's names or what is the matter for. This is a violation if this collections co. Also, I found out this can is legal but not accredited by XXXX. I never tried to fox this problem because I was not aware of this company, meaning, calling constantly with voicemails only stating that this is a matter, please contact them at ( XXXX ) XXXX Who's is reply to harrassment with no information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: IQOR US INC
State: UT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : Account # XXXX AND Account # XXXX. According to the documents you provided, these alleged debts have reached the statute of limitations. You did not provide any proof to contradict this statement that these alledged debts have reach the statute of limitations in your response to my CFPB complaint XXXX on XX/XX/2022. If these alledged debts are reported to any credit reporting agency they must be removed immediately. Should you report these alledged time barred debt to any credit reporting agency after today, XX/XX/2022, I will file a lawsuit against you with a consumer protection attorney. Do not attempt to contact me or anyone I know regarding these alledged time barred debts. Thank you.

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 2022-06-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have previously filed a complaint with CFPB about my lender, Rushmore Loan Management. My payments were paused during COVID and I have been trying to restart my monthly payments. Rushmore has been demanding that I pay the lump sum they say is due ( {$49000.00} ). 

I mailed them a {$1900.00} check ( roughly a monthly payment ) to attempt to restart my monthly payments and they returned it to me. I complained to CFPB. Rushmore 's response to CFPB claimed they had sent me a Partial Claim Agreement that to resolve the issue and that I needed to complete it and pay {$1800.00} by XX/XX/XXXX ( bear in mind they had also just returned {$1900.00} to me ). However, I did not receive that. From their response provided to CFPB ( attachedXXXX XXXX  ), it appears they sent that to the property address rather than my address ( I live out of state and they know that, as you can see from the bill they did send me, also attached here ). So instead of receiving that, I have again received a demand ( attached ) for the full $ XXXX by the end of the month. The CFPB site specifically says that people who were in Covid forbearance do not have to pay lump sums to exit the forbearance. Yet Rushmore is continuing to send me bills demanding the lump sum while misrepresenting to CFPB that they are offering me alternative options. I just want to get back to monthly payments and Rushmore is not attempting in good faith to help me do that. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX  is reporting as settled but it was supposed to be deleted from XXXX and Experian. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on XXXX, XXXX, and Experian.

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX is reporting as settled but it was supposed to be deleted from Transunion and XXXX. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on XXXX, Transunion, 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 non-monetary relief
Consumer complaint received 2022-08-22
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have an Amex XXXX Brilliant credit card which allows {$300.00} credits per year for charges made in XXXX property. The website says this benefit is for every membership year, which implies that the credits refresh every year that the membership fee is accessed. When I contacted Amex representatives, they also told me the same. The membership year refreshes when the annual fee is accessed, and I was told my membership fee would be charged on XX/XX/XXXX. So I made a charge for XXXX XXXX on XX/XX/XXXX for {$370.00}, hoping that it used the {$300.00} credits allowance for that year, and I thought after XX/XX/XXXX, I would get another {$300.00} credits for the next year. However, on XX/XX/XXXX the Amex representative told me the charge made on XX/XX/XXXX was already for the new year, because my account was approved on XX/XX/XXXX, so the benefits refreshed on XX/XX/XXXX. And because the charge was after XX/XX/XXXX, so it fell into the next year. Amex could not reimburse another {$300.00} for the new year. This is unfair to me for the following reasons : 1. Amex is not transparent about when the {$300.00} credits refresh. When they talk about membership year, they don't explain what it means. The representatives have contradictive explanations : ( 1 ) when the membership fee is accessed ( 2 ) the approval date. It is very confusing for customers to time the credits to use. 2. Amex does not alert its customers about the expiration of credits. They intentionally don't alert their customers so that the customers can forget. 1. Amex did not notify its customers when the {$300.00} credits would expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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 a fair credit reporting act [ XXXX # XXXX, TXXXX XXXX XXXX XXXX, PORTFOLIO RC # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: The Bureaus, 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 a fair credit reporting act [ XXXX # XXXX, THE BUREAUS # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an business account with Bank of America in 2020 as a part of a promotion promising a {$750.00} bonus once certain qualifications were met. After several months and fulfilling all my obligations, I did not receive the bonus. So I called to inquire. Once it was confirmed that I met the requirements, I was promised a phone call. I never received one. So after this, every few weeks I would call to inquire but to no avail. With every call I was repeatedly lied to about someone calling me back which never happened. I was even told once when I went to a branch that I would receive a call. I never have. Normally when I would call I would be transferred from agent to agent with several saying there is nothing they can do, so just wait for a phone call. It never came. So after 6 months of being lied to I closed the account and removed my funds since I really wasn't getting anywhere, but it doesn't stop there. So to add insult to injury, a year and a half after meeting the qualifications and being lied to and ignored, I received a 1099 FOR MONEY I NEVER RECEIVED!!!!! AND I STILL HAVE NOT RECEIVED A PHONE CALL!!!!!

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 2022-08-22
Company: EQUIFAX, INC.
State: IN
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out to XXXX, Experian and XXXX several times on many different dates due to my personal information being inaccurate. I have yet to get any results or updates. It has been a few months, this is frustrating. The wrong information is being reported and showing on 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 2022-08-22
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: Personal information incorrect

Complaint:
I have reached out to XXXX, XXXX and XXXX several times on many different dates due to my personal information being inaccurate. I have yet to get any results or updates. It has been a few months, this is frustrating. The wrong information is being reported and showing on 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 2022-08-22
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$89.00} XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX Balance : {$89.00} XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$110.00}

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 non-monetary relief
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have tried to contact Experian using the phone number to their customer service, but I can not get any assistance. They are reporting an incorrect address on my credit report and also a fraud alert that needs to be removed. I send them the only address that I have which is on my identification and they are reporting a XXXX XXXX XXXX that is not my address. I need this address removed and the fraud alert removed from my account. The address that needs to be removed is XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-22
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:
On XX/XX/2022 I a federal protected Consumer/ natural person non fictitious entity initiated what I believed was a consumer credit agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 
At approximately XXXX XXXX est. Experian Credit Reporting Agency furnished a deceptive misleading report ( credit reporting is voluntary ) and OR score that has not been mandated by Congress OR my BILL OF RIGHTS and the CONSTITUTION to be a determining factor for a lender to grant extension of credit as its My Federal Right pursuant to the TILA 15 usc 1602f.

1 ) pursuant to 15 usc 1602g I am the Person who regularly extends ( give life ) credit by initiation inconnection with All open-end credit plans involving my credit card ( 15 usc 1602 ( L ) that I came into the transaction with as the cardholder ( 15 usc 1602n ) and the originator of the DEBT OBLIGATION reserving the Right to defer its payment by transferring its obligations through the system put in place to protect the Truth In Commerce pursuant to 18 usc 8 obligations and securitys belonging to the United States . ( Without Pejudice All rights reserved ucc 1-308 ) XXXX XXXX XXXX XXXX are in direct violation of federal law 15 usc 1602p Unauthorized Use of my Federal Comsumer credit card when they received benefits from its use and I the natural person/beneficiary did not receive benefits by the trustees deception.

Experian violated its Vital Role it has Assumed in protection of my privacy and my private information, being compliant to federal mandates to furnish fair, impartial, non factual and accurate information as it relates to the consumer. Adverse action pursuant to 15 usc 1691d Equal Credit Opportunity Act never mention denial of extensions of credit to the consumer.

I request that the Bureau force XXXX XXXX XXXX XXXX to comply with my Bill of Rights and the Constitution law and title 15 Truth in lending Act, Equal Credit Opportunity Act And my Rights protected pursuant to UCC 1-308

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