BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: CURO Intermediate Holdings
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:
XXXX XXXXXXXX has violated my rights as a consumer by failing to validate a debt at my request and continuing to report to ALL 3 CREDIT BUREAUS the disputed debt to the CRA. These are clear violations of both the FDCPS the FCRA. I gave them legal time of 30 days to complete this, they refuse to do so. The credit is causing damage to my character, because of they failed to investigate this account properly, the are in DEFAULT. 
XXXX # XXXX AMOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On the date of XXXX. XXXX, 2022, XXXX XXXX opened a line of credit under my name for {$5000.00} with XXXXFORTIVA XXXX I was unaware of this account until I received a phone call from FORTIVA about payments being past due. After the call, I proceeded to contact XXXX XXXX to request the credit to be refunded to FORTIVA as I was unaware of this account. I have not received any services from XXXX XXXX, especially at the cost of {$5000.00}. I can not stress this enough. I have not received any services from XXXX XXXX. XXXX XXXX, however, was very understanding and returned the credit. XXXXFORTIVA continues to keep this fraudulent account open and reports it as delinquent, regardless of the refund of credit. I have disputed the claim with XXXX and the disputed information was found to be verified as accurate, regardless of the account being created without my knowledge and without me ever having received services from either of these companies. I will continue to dispute these claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022

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 2022-05-25
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XX/XX/2022 opened {$20.00} amount In accordance with the Fair Credit Reporting Act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XX/XX/2022 opened {$20.00} amount In accordance with the Fair Credit Reporting Act XXXX  Account # 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 explanation
Consumer complaint received 2017-02-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received a payment in the form of a gift via PayPal. Shortly after, PayPal limited my account, without an option to appeal, without notice or reasoning. With that being said, my payment or {$1000.00} is now being held, for 180 days, which is an extreme abuse of power and policy. I did nothing to violate there terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company named Procollect contacted me about an electric bill to XXXX XXXX back in 2009. Not only was I not living in the state in 2009, I contacted XXXX XXXX and they have no record of me doing business with them in their system. This sounds like a fradulent debt to me. The debt even was placed on my credit report. I disputed the charges and the credit company promptly removed the charges 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 explanation
Consumer complaint received 2022-05-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was originally with XXXX and just last week changed to Shellpoint. I was under the covid forbearance plan with XXXX, I was promised the ability to defer the missed payment amounts until the end of the loan term, up until now that amount is over 100K, this was suppose to be deferred to the end of the loan once my forbearance ended in 18 months. However, now Shellpoint has taken over servicing my loan as of XX/XX/22, and they are claiming I owe the full XXXX and they claim they have received no covid forbearance agreement from XXXX. I believe this is a requirement by law to receieve all the paperwork in servicing transfer. I can not pay XXXX and nor do I want to be penalized and refinance with a higher interest rate. I am asking for them to honor my initial verbal agreement with XXXX that I would have an option to backload the due amount. This is urgent, as Shellpoint is threatening me with late payment fees and credit reporting of late payments, even though I should still be on covid forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Ive been building my credit and tracking my credit daily with XXXX XXXX, XXXX XXXX, and XXXX. All of these show different scores. XXXX XXXX and XXXX XXXX shows XXXX and XXXX shows XXXX. I tried to get XXXX XXXX for a medical procedure and it denied me and said my TransUnion credit score was XXXX ... these are 100 point differences between each company. I called TransUnion and they referred me to you guys. Im not sure why this would be, but Im trying to build my credit to buy a house and car and I really needed XXXX XXXX for this medical issue. Ive paid off EVERY delinquent account I had over the last year and my score has been steadily rising. It hasnt been at XXXX for over a year. It also shows a medical account that was delinquent and sent to collections on some but not others. And that was sent back to XXXX XXXX and is getting resolved through them. I submitted claims through the credit bureaus for that and it got taken off of some but not others. I just want it to get fixed and my actual score to get sent to XXXX XXXX because if I try to reapply and it shows that incorrect score again its just going to negatively effect my score. The score sent to XXXX XXXX was from TransUnion, Im not sure what XXXX XXXX or credit wise use, so Im not sure if it involves JUST TransUnion or all 3 reporting agencies.

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 2022-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: The CMI Group, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit management reported a debt to credit report for a debt that is not mine. 
The company is ( XXXX ) for {$100.00} The account number is XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
XXXX, Illinois I dont have a middle initial and I have never lived in XXXX XXXX Illinois XXXX The account information says this was during the year 2021 I have lived at my address in Mississippi for the past 14 years. This is not my account.

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 2016-03-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I made many attempts to access my credit files with Equifax between XXXX - XXXX XXXX, but it was hard @ first for me to get into the system online. I was told to answer some questions concerning my Identity before I could gain access to my files. I answered all questions correctly but was told my responses were incorrect and in order to access my file I needed to send in drivers license and other documents. I signed up for a trial membership under Equifax online and was able to access my files. When I was finally able to access my files online, I was not able to add comments to my dispute because special characters appear rather words. Since XXXX XXXX, XXXX I have filed XXXX disputes with Equifax and have received sixteen ( 16 ) e-mails informing me that my complaint had been received or the dispute was completed. These are the e-mails I received ; Wed. XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Monday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Friday XXXX/XXXX/XXXX and today Monday XXXX XXXX. What is so strange every time I went to the Website to view the files I was always denied. It would take me back to step XXXX to start over. I consider these activities to be either fraudulent or harassment. I was told others they have experience similar situations. There are things in my file now that I have disputed that was changed from closed to collections over the last few days. My credit score do not move no matter how I pay my bills on time and keep a low credit utilization. I believe something is going on with Equifax practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi they will not up date my account with XXXX the account was paid in full no balance owed also they are putting fraudulent medical accounts on my credit I have full coverage medical insurance from XXXX Obama care no deductible or they are bringing old deleted accounts back as new and selling them to different companies please help me thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Halsted Financial Services, LLC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A collection agency -- Halsted Financial Services, LLC Ph. # ( XXXX ) XXXX has sent me a bill of collection for which I know nothing of. It is from a leasing agency. I live in XXXX housing and do Not even know how to get to XXXX. 
The looks like the leasing agency is ( XXXX ) .HFS reference number ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Rocket Mortgage, LLC
State: MD
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:
My husband applied for a loan with rocket mortgage, Without my knowledge or authorization, Rocket Mortgage did a hard inquiry on me. I never spoke with anyone at rocket mortgage. When I received a email stating a hard mortgage inquiry. I called the mortgage company asking them to remove it because I did not talk with anyone about a loan or authorize the pull. They refused, saying my husband has the right to do so. My husband is not on my deed or my loan. Further more rocket mortgage discussed my loan with my husband. 

Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: MI
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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to get a home loan, my load originator helping us states I have a " Hard '' forclosure code on my credit report with Equifax because of a house we did a " Deed in Lieu '' with in XXXX XXXX. I contacted Equifax by phone and was told I have to put in a dispute and I did on XXXX XXXX XXXX. XXXX XXXX I got an email stating my dispute was resolved. I called Monday XX/XX/XXXX and was told my dispute was denied by the XXXX. That they state I still owe money. For one I disputed wrong reporting which was explained very clearly on my cover letter. I attached the Cash for keys XXXX and my taxes submitted to the Federal Government to pay my taxes on it. We also did have an Accountant do our taxes and submitted the correct paperwork with the federal government on this giving up the house to the bank. I was not foreclosed on and with that I should be free to buy a home right now vs waiting 7 years. The other person i bought my house with is not having these issues. His credit report is showing forclosure but according to our loan officer it is mine showing a " hard ''. I have lost faith that the Equifax will ever help me correctly in changing the code on my credit to a " Deed in lieu '' vs a foreclosure and would like you to help in this situation. I have all paperwork showing and available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Presser and Presser, XXXX has threating me to collect money from me when I do n't own them nothing. Along with XXXX XXXX XXXX XXXX, Pressler and Pressler has now even filed for wage garnishment when I owe XXXX amount to their such client. I request federal government to strong action against the firm and suspend their license. In fact, XXXX County Special Civil Court has been the reason as well, if they did their job correctly, consumers like would have suffered to this injustice. There was article that you have sued Pressler and Pressler LLP based on many consumer complaints against the law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to file a complaint against Rushmore LLC. I believe Rushmore LLC did not follow our government instruction/regulations on VA loan modification for the following reason. 

Rushmore is my VA lender of XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I am solo on this loan. 

1 ) Rushmore LLC illegally modified my VA loan with XXXX XXXX XXXX XXXX. She was not on my VA existing Mortgage loan. 
I am solo on this VA loan and This VA loan is only for Veteran and XXXX XXXX. XXXX XXXX XXXX XXXX is not an XXXX XXXX and she is not a veteran. We are not married. 

3 ) this is my solo VA loan. It is mine. it is not hers. How in the world Rushmore is allowed to modify my solo VA loan with XXXX XXXX XXXX XXXX? 

4 ) Rushmore cancelled my property/house insurance without my permission. Accident is unforeseen event. 
That is why we are required to have house insurance in order to get loan approved. When I asked them, they ignored me. 

XXXX ) On XX/XX/2022 I was informed XXXX XXXX XXXX closed on a mortgage. My VA loan would be paid off on that same day. I also was informed that XXXX had provided all of the payoff information that XXXX XXXX XXXX needed. There was no required my present in person at closing office. Therefore, I did not show up. 

5 ) However, On XXXX XXXX XXXX  I was informed that my VA loan on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have not paid off as promised. about a week prior to closing date, The closing title agent, XXXX XXXX called me. He introduced himself that he is a title agent. Then he briefed to me that all he needed from me was my Quit claim Deed. So I did the Quit claim Deed then my divorce attorney sent it as demanded on the closing date XX/XX/2022. 

So how in the world my VA mortgage loan is not paid off and I am still responsible for it???? 

In Summary, due to Rushmore did not provide customers service at the minim answer the client emails. they ignored my emails and voicemails as a result they indirectly put me into deeper financial hardship. For instance, I had no choice and hired a mortgage lawyer to get the answers from Rushmore LLC. I hired XXXX XXXX XXXX because he introduced himself as he is owner of 2 law firms. One locates in NY and one locates in XXXX XXXX, FL. He promised that his company would find out the answers. but It costed me {$2000.00} per month. 

See!!!! if Rushmore services properly worked with me as adverted on their website. I would not have to pay XXXX XXXX XXXX {$2000.00} per month to get the answers. Due to my VA loan was not paid off as promised, I could not get approval for any loan. I did not meet debt radio. I ended up in deeper financial harder ship. Lawyer feed added into my plate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I have a VA home mortgage loan with Flagstar Bank since XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that my loan was transferred to XXXX XXXX XXXX Bank and this was my 15 day notice, the letter was delivered by the USPS, first class on XX/XX/XXXX. When I called Flagstar Bank to ask why it was being transferred, the customer service representative " it is just banking, how it is done '' she then said because the loan was being transferred I would have a sixty day " grace '' period to make the XXXX payment to XXXX bank. Asked about the letter being delivered with only 8 days left in the customer notice, she said " the XXXX took 7 days to go from XXXX to XXXX ''. I disagreed with that statement and said " the customer is supposed to get 15 days notice '', if it takes 7 days to deliver it is not 15 days. 
I investigated XXXX bank and called their customer service number, the " 60 day grace period '' is false, only 15 days. The bank is also a " debt collection agency '' with an abusive track record. The bank, from the reviews that I have read, is only interested in forcing the customer in foreclosure by any means, losing paperwork, rewriting the rules, increasing penalties and not having a customer service representative stay with your case. 
I feel that this transfer is a poor choice and that I will be spending money on a lawyer and answering harassing phone calls. 
XXXX this is not how I want to spend my remaining years fighting with a profit driven bank. 
I have included the transfer letter and several pages of customer reviews of XXXX bank practices. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/22 HSBC Bank transferred my mortgage servicing to XXXX  mortgage servicer. I was under the covid forbearance plan, XXXX claims they received no paperwork related to the covid forbearance I am on. There has been no good faith effort, on HSBC 's part to send any and all records to XXXX. The records must include the phone call 's I made as in those calls, it was verbally promised I would be able to defer all the missed payments to the backend of the loan. XXXX says they have no paperwork and therefore I am under threat of foreclosure.

Company response to consumer: Closed with explanation