BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I informed the XXXX credit Bureaus that XXXX accounts on my credit was not mine and to provide me proof or immediately delete the accounts, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. The XXXX accounts I demanded deleted were Prosper Market Place XXXX Unverified Account and XXXX Bank XXXX Unverified Account the credit Bureaus have not done so and have not deleted these XXXX 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 2022-10-27
Company: MRS BPO, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
MRS Associates has contacted my mother instead of me regarding a debt I allegedly owe, which is in complete violation of the FCRA. I do not owe any semblance of debt and have the call log to prove they contacted my mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
When I had attempted to, tried to dispute or complain about : inaccurate info on my report! Equifax had literally shut that down, even before it got started! This had taken place, in XXXX of this year! It also would be fair ; to state, and conclude for the record! That Equifax are also involved in, this conspiracy plots : to destroy me, and or demise my health overall! Went as far as, to try to get me, caught up in : their so called free trial credit monitoring scheme! However, once after witnessing, and experience it was a hoax, and gotcha moment! Trust me, I had to hurry up, and unsubscribe or terminate my membership altogether! Never looked back neither! So some of this backlash, and their retaliatory measures are ; from that incident, and my complaint against XXXX XXXX! With all these all out attacks, against me personally, and much damage control to my credit history overall! How in the XXXX, can I get passed that CFPB??? Make no mistake about this, that, or the other! There 's entirely too much of the following : personal grudges, hang ups, animosity, hatred, envy, strife, malice, division, fault finding, grievance, finger pointing, mistreatment, bias, lies, hypocrisy, heretic, bigotry, deception, attacks, defamation of character, misconception, warfare, blackmail, opposition, threats, close encounters, massive damage control, and there 's definitely too many attempts ; to kill or demise my health overall! Sad point about it all! All three government credit bureaus or agencies are a part of this! What the XXXX is Really going on Here CFPB????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: First National Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today XXXX/XXXX/2015, I was instructed by XXXX to conference them in with First National Collection Bureau XXXX Inc. to confirm that I paid my agreed settled amount of {$230.00} in full. The First National Collection representative, XXXX XXXX, confirmed that the debt was paid in full, but went on to say, to myself and the XXXX representative, that I need to pay more than the settled amount. Is this legal for First National Collection to request more money, especially since this disputed debt exist due to XXXX attempts to bill for an additional service that I never asked for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to get a copy of my modification agreement that spells out the terms of my modification and future interest rates since XXXX XXXX, 2016. I have made several attempts to Rushmore Mortgage by fax and email and still have n't received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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 have asked the company to update the information it is reporting on my credit. the account is paid and the company keeps on reporting that it is derogatory.

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 2021-03-15
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 have asked the company to update the information it is reporting on my credit. the account is paid and the company keeps on reporting that it is derogatory.

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 2016-12-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I sent information to Equifax, asking them to remove the extended fraud alert so I can receive promotional offers, Equifax which the company I sent information to, forvas a copy of driver license, proif of residence, and copy of ss card and thenconfirmation number, plus a letter stating that i wanted tge fraud alert lifted do i can receive offers. I sent the information certified and also called Equifax and asked them did they receive the information and they stated yes, i was given a confirmation number and as of today, as i applied for credit, it still shows a fraud alert on my credit report. Equifax is not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to order my XXXX credit reports through XXXX on XXXX XXXX, XXXX. I was able to get my XXXX report right away. I could not get my Equifax report because I may have answered a loan/credit card question wrong that had occurred in XXXX ; this cut me off from getting both my Equifax and XXXX reports. 
That evening I called XXXX to see if I could get my reports through their automated system. The system said that my order was complete for my XXXX free credit reports and that it may take up to 2-3 weeks to receive. 
In the middle of the third week I tried to call them to see what the delay was and to see if they were EVEN on the way. I 've been over their site, over the XXXX credit reporting agencies and there is no way to talk to someone about this without sending something in the mail to them and waiting even longer for communication. 
I finally talked to someone here at the CFPB to see if she could find any contact info so that I could talk to a live human. The only thing she finally found after 10-15 minutes was a number for Equifax. I finally talked to a human and she would not allow me to get my reports and told me to write a letter ; what good is that going to do when I have tried on-line and by phone. 
Here it is now, 4 weeks since ordering my reports by phone and they are still not here and there is no human for me to discuss this with. I even tried an old phone book of mine that had the XXXX credit reporting agency 's numbers. Equifax rang and then went dead and XXXX number tells you to go online ; still ... .no human contact to solve this matter. 
I have a letter of Full Faith and Credit from the Secretary of State- XXXX XXXX , but ca n't even get my own credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received some strange letters in the mail over the course of the past month and I am puzzled because I have been trying to modify my loan and it has been unsuccessful. I am now facing foreclosure in the middle of a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The company will not work with me. I asked to work with them on a settlement. Company was extremely rude and inappropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
Trans Union Has fail to provide me actual proof directly from the court itself that they have verify or validated the information they have bin saying that is verify they are in direct violation of my privacy act According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification and the court also stated that The United States Bankruptcy Court does not report any Information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. So with that bin said they are in direct violation of federal laws, the privacy act

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 2022-10-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My chase bank account had over {$190000.00} dollars stolen out of by someone who hacked my information and had access to my bank account information and including my drivers license. They stole XXXX XXXX using my XXXX XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX using my debit card. Chase gave me back XXXX XXXX then they reversed their decision and left me completely broke. Chase responded by saying they said it was me who made these charges when they were not. 
This was all of my savings and I am going to be XXXX unless someone helps me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EdFinancial Services
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Contacted EdFinancial on XX/XX/XXXX via email to request refunds of student loan payments made during the COVID payment pause ( beginning XX/XX/XXXX ). I continued to follow up via email and submit any requested documents and Edfinancial has not given me a date of when my refund will be processed and when I will receive the refund to my account, while other service providers are processing within XXXX weeks and sometimes within XXXX weeks. I received no confirmation of request for a total of {$4900.00} of payments made since the payment pause. I need the balance reinstated and refund ASAP for correct student loan forgiveness eligibility. They were fined for misleading consumers and their latest data breach too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America has done an Unauthorized Hard inquiry XXXX. 
This was not requested by me. I have tried to resolve this over the phone and was told to make a 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 explanation
Consumer complaint received 2021-03-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had put a deposit of $ XXXXfor some work on my credit card on XXXX said work which was to start on or before XXXX they never showed up to start the job and are not returning my calls. i would like to cancel this transation. I had call Citi on XXXX and got discoed after 10 minutes. then i tried chat some thing named XXXX was to send me somethinng via e mail I have not received it. I called this morning and got discoed after 14 minutes. when i called back and got disconnected after 4 minutes.XXXX is the number at citi bank i was calling.

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 2017-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Where do I start? Equifax has destroyed my credit file. I received an updated report and I am furious. They removed several student loan accounts that are in good standing, then they reinserted deleted collection accounts without giving me 5 day notice required by federal FCRA laws, and added personal information to my account that is not mine. They have broken and violated several of my consumer rights and federal laws that protect those rights. They have purposely damaged my credit reputation with potential creditors and lenders. What they have done is illegal. I AM NOT ASKING BUT DEMANDING that they fix my credit file. I am so livid right now, I am ready to sue them for defamation, violation of my consumer rights and undue stress with dealing with their incompetency. I have contacted my consumer rights attorney. Did Equifax not learn from the 18.5 million settlement they had to payout because of their incompetency to insure that a consumer 's credit file is reporting accurately and complete or the joint 45million dollar settle they had part in paying out for negligent noncompliance with FCRA laws? Do I have to sue for punitive damages for them to get their act together? At some point this becomes ridiculous and unnecessary for me to keep going through this XXXX with them. They refused to respond to my other complaints and now I am demanding that they respond and do so appropriately. I am tired of playing nice with Equifax while they destroy my name and credit file. It has to stop and it stops today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an offer to apply for an 18 month interest free loan from Sears for any purchase of {$540.00} or more within XX/XX/XXXX and XX/XX/XXXX. The step by step offer activation guidelines provided. The offer stated that it can be done by phone or on line. The activation code was provided.I called the store and activated the offer. After that I made two purchases within the allotted time frame. I made payments on time, every month for the duration of four months. Recently, as I was going through my statements, I noticed that I have been charged an interest every month. The amount of interest is different from month to month, and is around {$45.00} - {$54.00}. I called the bank and was told that the promotion code has never been activated. The manager stated that the code can not be activated by the phone, while it is clearly stated on the offer that it can be done over the phone or on line. I seek the resolution of the problem, but was told that the only option that I have is to keep on monthly payments.

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 2021-03-15
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2016-10-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Demanding A Credit Bureau Investigate Confirmation # XXXX To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX XXXX BAL. {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAL. XXXX These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs. 
XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Two years in a row I've done a consumer credit check through Transunion, and I've heard of their predatory subscription practices of automatically signing you up. I was incredibly careful yet I was automatically subscribed both times using their platform, I'm convinced there's no way to safely check your credit through this company.

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 2022-10-27
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been contacted for over a year from different numbers and I had talked to them over a year ago and they mentioned that I owe apartments I applied to but never moved into. I told them I never even received my refund after denying the apartment once i saw it wasn't the upgraded apartment my brother and I paid for. They said that the first months rent is going to go on both me and my brothers credit anyway which obviously reflects negatively and I want it completely removed from my credit. I will advise my brother to file a complaint as well because this has gone on too long and is now a derogatory mark on my credit

Company response to consumer: Closed with explanation