BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the information in regards to Experian posting the XXXX on my credit report. The resolution was account information disputed by consumer. This item was updated from our processing of your dispute in XXXX 2016. I also received an email in regards to the dispute from Experian saying that they have investigated and found the account to be valid. I called Customer Service today and received the same statement but when I asked about what information that was found to verify this account was mine. The CS rep recommended that I speak with the Credit Specialist and the credit specialist told me the same thing at first and then came out and said that they did not really investigate the dispute and do not have evidence to verify the account. 

I have submitted police reports and ID Theft affidavits stating that my information was compromised and the creditor XXXX tried to sue but did not show up for the court appointment of XXXX XXXX, 2016 @ XXXX XXXX that they had set. 

I would have expected Experian to take serious the dispute process because not only does it affect my credit score but my livelihood as well. I believe Experian would have taken more precautions and be more concern if they were in my shoes. 

Also the Experian Credit specialist stated the creditor XXXX had submitted that my address was an address in Arizona. The problem with this is that I have never lived in Arizona or even visited the state.

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 2015-05-27
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Due to a negative entry on my Experian credit report I attempted to dispute the item. After filling out the online form to proceed with the dispute. Experian stated that I am ineligible to dispute MY credit report and asked for a XXXX fee to have a report mailed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: U.S. BANCORP
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A XXXX Bank in XXXX cashed a check we sent our nephew for XXXX in the amount of {$25.00} and they also debited our account an additional {$990.00} that was on a completely separate payroll check written by a XXXX XXXX XXXX from XXXX, this check shows up in the image of our check provided by our bank. I have attacheded a copy of the image of the check provided by our bank. Our bank ( US Bank ) here in XXXX, XXXX removed the funds from our account to pay the check. We have nothing to do with this second check except that the funds were drawn from our account. I contacted the local branch of US Bank and explained what I thought happened and was told that it would have to be referred to their back office. When I asked how long that would take they said they did n't know but would call back when they had a better idea, no apology whatsoever. We are leaving the country in two days and wo n't be back for a month, I told them this and indicated that I wanted them to expedite whatever action they needed to take to get the money back into our account before we left town. I have n't received the promised call back and we have exactly one business day left before we leave for our trip. I do n't know who should be responsible for returning the money but they have taken a very nonchalant attitude about the entire mess, meanwhile we are out {$990.00}.

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 monetary relief
Consumer complaint received 2016-03-18
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I purchased XXXX tickets to a show using my First National Bank of Omaha credit card. The show was canceled. The money was refunded to the credit card. There was a balance of {$130.00} when the money was refunded. The credit card company will only send me {$470.00} and kept the {$130.00}. for a payment. I requested a check for the full amount {$610.00}. The payments to the card were current with no past due balance. They have no right to keep my money. I did n't want the balance paid off at that time. Some of that money I needed to give back to the people that were going to the show with me. It 's wrong and they should have sent me the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/2017 As you know, I have reported my identity was compromised. 

Police report and Identity Theft Victim 's Affidavit were filed and mailed to the Banking institution, Consumer Financial Protection Bureau and OCC. 

I asked that the charges be taken out of my billing. 

Please respond within the next 30 days as of XX/XX/2017 that the charges are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I, my brother, and my daughter ( on my phone ) recieved threatening phone calls from a supposed law office representing ACE Cash Express, that if I did not pay that I would be charged with attempting to defraud a financial institution. The phone caller said specifically on each message that I would be charged with fraud. That is defamation of character and illegal collection practices. When I did call them to try to make arrangements, the man on the phone was disrespectful and again threatened me with a felony for not paying a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX, 2016, XXXX Mortgage Company sold my home mortgage to a company named Seterus , Inc . I was not send a " Goodbye Letter '' from XXXX notifying me of the sale, and to date, despite numerous requests to XXXX by phone, have never received XXXX. So then did not handle the sale in the manner they are required to do ; they never notified me. 

This complaint concerns a " mortgage company '' called Seterus , Inc . 

I learned my mortgage had been sold when I called XXXX to make my monthly payment and they told me they could not take payment ; the loan had been sold. They did not know who they had sold it to and told me all information would appear in the " Goodbye Letter '' that has never come, 4 full months later. 

I finally was able to learn through other sources that the loan had been sold to a company called Seterus, Inc and called them, spoke to them, asked for my loan number and made my payment. I was told to expect a " Welcome package '' which did not come until I 'd asked many, many times. It contained almost no information. 

Here 's the problem : Since my first payment to Seterus in XXXX, I have always paid on time. That would, to date, be XXXX, XXXX, XXXX, XXXX, XXXX ... 
All payments have been made on time. 
However, Seterus did not show up on my XXXX credit reporting bureaus ( XXXX ) until I wrote and complained. 

They have added the account now to XXXX, but it is incorrect. It only shows a payment in XXXX only. As far as I can tell, the other credit report bureaus are not reporting at all. 

I have written to Seterus several times asking that they follow the law and report accurately to all XXXX of the credit bureaus on a MONTHLY BASIS. I even sent XXXX of the letters certified mail, so I can prove it was sent and received. 

None of the letters have resulted in compliance and Seterus 's lack of reporting is HURTING my credit score a GREAT DEAL. They must report accurately and monthly. 

Please assist me in getting Seterus to comply and report my payments in a timely and accurate fashion, as is required by law. These payments must date back to when they bought the loan, which is XXXX of 2015. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Rushmore Loan Management Services purchased my mortgage from XXXX XXXX, which typically should not impact me as a consumer, other than changing where and to whom I should send my money. However, that was not the case. Rushmore failed to acquire all the proper documentations from XXXX which would show that the property is insured, so they added a lender-placed insurance to my account resulting to an increased escrow, which increased my monthly payment from {$600.00} to {$1000.00}. I called Rushmore to advise them that I already have insurance through the homeowners association, provided them with name and phone number and advised Rushmore that I would send the regular payment of {$600.00} for XXXX 2015, which I did. Now Rushmore has labeled my account as delinquent for the difference. I 'm seeking protection as a consumer who should not be impacted by lenders practice of bouncing/selling mortgages to other lenders. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mother had a reverse mortgage with Reverse Mortgage Solutions. My brother and I were told we had 6 months to sell and repay. If we showed good faith an additional 6 months would be given to us. We followed the rules, kept in touch sent in required docs etc. Our mother passed away XXXX, On XXXX we received notifications from the mortgage company that a Default for Foreclosure was recorded with XXXX XXXX. We have sold the house XXXX and it is currently in escrow ( pending ). We feel the Default was not necessary and it should be never have been recorded! We are hoping they do not try anything before the escrow closes! Can you help us? Can XXXX help us? We are also asking our XXXX XXXX for help also!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: MN
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:
I had rented XXXX books from XXXX in the XXXX semester of 2015. I returned BOTH book rentals as I do every time I 've rented books through my undergrad. On XXXX XXXX I received XXXX letters from a law office in Florida saying this was an attempt to collect both debts. CLAIM NUMBERS XXXX and XXXX. I have now filed a complaint and debt validation request with them and the XXXX. I will also be filing a complaint with the Attorney General. This is illegal. There are more than XXXX complaints of this where they say they 've never received the return books. They are praying on college students. I want both books removed from my account and the debt to be removed. The order number was XXXX. I have tried to settle this with the company explaining that I have mailed them back and customer service was not helpful. This company has a history of saying they have no received the rentals and sending directly to collections. I have perfect credit and have never had a bill outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax After chapter XXXX in 2014 there is XXXX credit card account XXXX CREDIT CARD still listed as open. As a result this is bringing my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX  XXXX 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 2015-04-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying 300 dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and others that include past due amounts when in fact they were in XXXX. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have no idea what constitutes a " final response '' from Trans Union. Please change your form so that this unreliable question is not a forced-choice requirement on your complaint forms. I need to get a copy of my TU report to XXXX XXXX XXXX XXXX which requires it to join. I have a security freeze on my report to minimize the amount of false junk that TU puts in my file. Today when I called it to temporarily release the freeze, it refused to do so. It also took a very long time, transferred me around and forced me to repeat the same information twice to XXXX different people. Along the way, I could not remember some number TU assigned to my account some time ago when I placed the freeze on my file. TU then wanted me to answer " security questions '', including where I use to work. I do not want to provide information to TU since it is a hostile party to me and is built on a business model that is hostile to my best interests. I do not want to confirm or deny that I use to work at any particular place, since I have seen it use this as a way to confirm its own records. I have nothing to gain but usually something to lose confirming information to TU it may not have obtained or have valid confirmation for. I asked the TU representation to ask me another, alternative question and he refused to do so. So, as is the usual drill with these obnoxious corporations that traffic in your personal information, then try to get you to confirm the garbage they collect and invent for you and then try to sell, I can not get them to release a report to XXXX XXXX XXXX XXXX. 

Please require Trans Union to release my credit report to XXXX XXXX XXXX XXXX only and then immediately reinstitute the freeze on my account. In particular, I do not want TU selling personal information about me to any third party whatsoever besides 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 2016-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EARLIER IN THE YEAR I CHECKED MY CREDIT REPORT AND ALL OF MY INQUIRIES WERE DELETED. TRANSUNION PLACED THEM ALL BACK ON MY REPORT. UPON A DISPUTE THEY TOLD ME THEY WERE ALL VALID AND WOULD REMAIN. ITEMS WERE PLACED BACK ON WITH OUT NOTIFYING ME BEFORE PLACING THE ITEMS BACK ON MY 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 2015-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
In XX/XX/XXXX. I cancelled the $ XXXX/month charges x 2 months ( XX/XX/XXXX & XX/XX/XXXX ) and received credits for these charges from the Transunion Interactive Co . In XX/XX/XXXX, I received XXXX more charges on my credit card for {$35.00} and called the company a second time. After a lengthy and argumentative session with a supervisor, he informed me that I had received refunds for the XX/XX/XXXX and XX/XX/XXXX charges but had " used '' XX/XX/XXXX charges and would have to pay those. I do n't even know at this point what was signed up for, what I was paying for or what the company provided for this charge. I think they are giving me the run-around and the website does not state specifically what you are paying or signing up for and is very confusing. Therefore, I would like to lodge this complaint against the Transunion Interactive company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a collection account called " the bureaus '' on my transunion credit file. The bureaus is the owner of a charged off XXXX XXXX retail XXXX XXXX store card. I defaulted on this card XX/XX/XXXX. There is no useful data in the credit file on my transunion credit report that shows me the date of first late payment, the date it was charged off, the amount of time/months the account went without payments. It only shows me the date that the collection account was open with the bureaus in XX/XX/XXXX. The bureaus phone number is not on the credit file as well. If the information for charge off date or dates of non payments are not shown how can i dispute items that are 7 years old and ready to be removed from my transunion credit file? I feel they purposely hide this information so the consumer can not be aware. In order for me to be an educated consumer and exercise my rights I need all information provided to me and not just partial information. There is very little details about " the bureaus '' collection account on my paid service to transunion credit report and I feel all information about this collection account should be revealed to me on my transunion credit report without me contacting the collection company for this basic information about my date of first late payment, the date it was charged off, the amount of time/months the account went without 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 non-monetary relief
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX, 2016 I received notification from XXXX that XXXX accounts were being deleted from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX These XXXX were deleted from XXXX but they have yet to be deleted from my Transunion and XXXX credit reports. They need to be deleted from those XXXX Credit Reporting Agencies. I have contacted both of them and they both, very rudely have told me that they do n't have notification to delete and if/when they do it can take up to 90 days.

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 2015-08-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX cancelled my credit card due to " number of accounts with delinquency '' : I had XXXX 30 day late due to failure to receive a statement. Account was paid off and closed. " Too many inquiries in the last XXXX months '' : there was only XXXX inquiry, from the company I had not received a statement from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have asked Equifax to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit.

Company response to consumer: Closed with explanation