BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: OH
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 sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2017-12-29
Company: Professional Recovery Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This XXXX XXXX ( Debt Collector ) keeps calling all times during the day and calls late at nighttime too ( After XXXX XXXX ). In the year this company has called over XXXX times, even when I have told them not call anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Information belongs to someone else

Complaint:
I was made aware of a XXXX XXXX XXXX XXXX account and several inquiries appearing on my credit when I went to co-sign for my niece to purchase a car and I was denied. I looked through my credit report and I didn't recognize any of those inquiries or account. I have never opened an account with that company nor did I ever allow those companies to run my credit ; I do not have any contract or agreement with any of the companies listed on this report. At this time I don't know who opened this account or made these inquiries in my name without my permission but I have already filed a police report and notified the companies. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.

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 2022-03-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our home is scheduled for auction on the XXXX of XX/XX/XXXX This company is not helping us. We have pleaded with this company to help, but insist on making our lives incredibly stressful. 

My mother was the owner of the house until she passed in XXXX. Our loan went through so much before it got to our current mortgage holder. They do not care and just want us to go away. 

My sister and I have a right to live in the house according to CFPB rules and the Garn-St Germain Act of 1982. This act protects the heirs from Due-on Sale Clause. Meaning to be foreclosed on. 

My sister and I can afford the payments, but the company will not give us an opportunity. 
We were given a trail period in XXXX and made all six payments and nothing came of it. They took our money and still trying to foreclose on us. 

This is such a terrible company. There are rules set in place for our protection and they still won't abide. 

Why can't this company follow the rules?? How are they able to get away with this? 

My sister and I deserve an opportunity!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a dispute to XXXX about the creditor, the credit was dismissed by the original creditor as not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Transunion to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to 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 2020-03-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was made aware of a XXXX XXXX XXXX XXXX account and several inquiries appearing on my credit when I went to co-sign for my niece to purchase a car and I was denied. I looked through my credit report and I didn't recognize any of those inquiries or account. I have never opened an account with that company nor did I ever allow those companies to run my credit ; I do not have any contract or agreement with any of the companies listed on this report. At this time I don't know who opened this account or made these inquiries in my name without my permission but I have already filed a police report and notified the companies. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 with out 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 2017-05-26
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank customer service has notified me earlier this afternoon that they are ending the relationship with me all because of a fraudulent check. The person who sent me the check said it  was US C ertified and it will clear within a week. But it did n't, and they ended up freezing my account to where I ca n't use it. I went to a manager today on  XXXX   XXXX ,  XXXX   XXXX , LA and showed him the police report stating that I am not responsible for the mishandling of account. I have  XXXX  case numbers to prove it. My family who work for the police station is working with me on getting those people arrested and sued.  XXXX  has already removed several charges on my SLATE card that was unauthorized if you requested to check on this.     I 've had too many problems with chase customer service that I 'm at the point of leaving them for another bank. They did n't think I was a good customer while  XXXX   XXXX  did and understood what I was going through.     If they do n't get this problem fixed and decide to report me to  XXXX  I will be notifying the department of treasury at the white house for illegal closing of an account without a good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX on XX/XX/2016 Did not have permission to check my personal credit.

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 2022-08-16
Company: EQUIFAX, 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:
BY LAW EQUIFAX MUST INVESTIGATE AND PROVIDE DOCUMENTS SIGNED BY ME. EQUIFAX HAS FAILED TO PROVIDE SUCH PROOF. EQUIFAX SENT A GENERIC COMPUTER MESSAGE STATING INQUIRIES ARE FACTUAL AND STAY IN YOUR CREDIT REPORT, NOT INVESTIGATING, THEREFORE BREAKING THE FCRA LAWS. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX Dear Sir or Maam, I have a bankruptcy on my 3 credit bureaus that state a date of XX/XX/XXXX. The actual bankruptcy was in court back in XX/XX/XXXX. It should be removed by FCRA laws in XXXX. 
I have contacted all 3 of the bureaus and they all state that they are planning on keeping the bankruptcy on my reports until XX/XX/XXXX but I must request the removal at that time only. Even with a XXXX date, it is only 5 months away. Couldn't they removed the bankruptcy at this time? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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:
File first fraud alert XXXX updated information to identitytheft.gov XXXX Collecting and sharing data without my prior direct consent. 
Inaccurate reporting Deceptive and False acts Adverse Actions against household

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 2022-08-16
Company: Experian Information Solutions Inc.
State: AZ
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Experian nor XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPT OF ED / 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 2020-12-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife and I have both had our credit report frozen with all 3 credit bureaus since 2010. Equifax updated their system and for some reason, it unfroze both of our accounts. 

Unfortunately, they are unable to re-freeze our credit. We have tried logging into their system using the website, and attempting to re-freeze our credit gives us an error that says they are unable to freeze our credit. We called into their automated phone system and received the same error when we tried to freeze. 

We called their customer support line and the agent was unable to freeze our credit. We waited on hold for over 30 minutes to talk to a supervisor, but he was unable to freeze our credit. When we asked him how Equifax was going to fix the problem, he said there is nothing he can do, we should just try again later. We told him we've been trying for 2 months already, obviously there is a problem with your system. He said someone will be calling us. Unfortunately, nobody has followed up with us and when we call customer support, it just starts the whole process again. 

Equifax will not freeze our credit even though we have repeatedly asked them to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Flagstar Bank, N.A.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im in the process of buying a home but my lender is having issues with pulling my Equifax credit report. I have been reaching out to Equifax since XX/XX/2019, to get the issue resolved, now its mid XXXX and still having the same issue. Every time I call them they tell me there is no freeze, alerts, or block on my account, but my lender is getting error code : EFX-E0021 Applicant file blocked at EFX. When I call Equifax they always say there is nothing preventing the lender from pulling my report. I need help getting this issue resolved so I can complete the process of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Too Whom this May Concern On XXXX XXXX XXXX PayPal Inc contacted me via phone and email stating that as of that day a hold of 5 % of all transactions would be held for 90 business days, also a minimum of {$10000.00} would be held from my account for 180 business days. PayPal is licensed in the State of Florida as a Money Transmitter Service with License number XXXX expiring XX/XX/XXXX. Florida Statute 560.208 Section 5 states Shall, in the normal course of business, ensure that money transmitted is available to the designated recipient within 10 business days after receipt. I have sent several emails to PayPal and PayPal executives/supervisors/customer service requesting my funds to be released and did not receive a response. I finally received a phone call today XX/XX/XXXX in response to my request and complaints. The customer service agent I spoke to denied my request and specifically stated PayPal operates out of California and does not recognize Florida state law. I disagree. As a licensed business/service in the State of Florida, Paypal should be held to the same standards and laws which accompany their Money Transmitter License and their privilege to conduct business in Florida. I feel that any reasonable person would conclude that holding such a high balance for 180 days is excessive. and may be viewed by some as punitive or as already stated, an unnecessary abuse of power. This is also contrary to the laws set forth by the Florida Office of Financial Regulation. I have been very patient in this process and have requested on numerous occasions for the return of funds. I am simply seeking a resolution that is fair and in accordance with Florida State Law, the State I live and conduct business in. Thank you for your time reviewing my case.

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 2020-03-17
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was recently renting an apartment with XXXX XXXX. Upon move out they sent me a statement of charges I did not agree with and tried several times to discuss charges with the property manager. I called multiple times a week for over 2 months ( the months of XXXX and XXXX ). I even resorted to emailing. The manager avoided me at all times, promised to return my phone calls and emails several times and then sent me to collections. You can not ignore a dispute and then send someone to collections. I have all times stamped photos of the conditions I left the apartment in, my several attempts at discussing the problems with management, and their failure to ever address my concerns. They are charging me a total of {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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:
for several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. the bureau has failed to do so and only responds back with a general " verified '' response. they havent indicated how it was verified, who they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. this is in violation of FACTA & 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 2016-11-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX account was received, paid & satisfied on XXXX/XXXX/16. I will mail documentation. I need this account removed from my credit report or at least to state : CLOSED. 
Thank you. 
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